IN THE HIGH COURT OF KERALA AT ERNAKULAM PRESENT THE HONOURABLE MR.JUSTICE SATHISH NINAN WEDNESDAY, THE 26TH DAY OF AUGUST 2020/4TH BHADRA, 1942 W.P.(C)No.14686 OF 2020(I)

PETITIONER:

NISHA HARIKRISHNAN, AGED 37 YEARS, W/O.HARIKRISHNAN, KALLUVILA PUTHEN VEEDU, THAIMARAVUMKARA, WEST OTHARA P.O., THIRUVALLA, PATHANAMTHITTA DISTRICT, PIN-689 551.

BY ADVS.

SRI.JOSEPH GEORGE SRI.BIJO THOMAS GEORGE SRI.P.A.REJIMON RESPONDENTS:

1 THE PRIMARY CO-OPERATIVE AGRICULTURAL RURAL DEVELOPMENT BANK LTD.NO.A-159, THIRUVALLA, REPRESENTED BY ITS SECRETARY, PRIMARY CO-OPERATIVE AGRICULTURAL RURAL DEVELOPMENT BANK LTD.NO.A-159, THIRUVALLA-689 101.

2 THE SPECIAL SALE OFFICER, PRIMARY CO-OPERATIVE AGRICULTURAL RURAL DEVELOPMENT BANK LTD.NO.A-159, THIRUVALLA, PIN-689 101.

R1 BY ADV. SMT.LOVELY SAMSON SENIOR GOVERNMENT PLEADER, SMT. SHEEJA C.S.

THIS WRIT PETITION (CIVIL) HAVING BEEN FINALLY HEARD ON 26.08.2020, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING:

JUDGMENT

The petitioner availed a purchase loan from the 1^st respondent bank. Consequent to the default in payment of the regular EMI amounts, steps were initiated by the bank for recovery of the loan amount. It is at that stage, present writ petition has bee