IN THE HIGH COURT OF KERALA AT ERNAKULAM PRESENT THE HONOURABLE MR. JUSTICE GOPINATH P.

THURSDAY, THE 13^TH DAY OF MARCH 2025 / 22ND PHALGUNA, 1946 WP(C) NO. 9723 OF 2025 PETITIONER:

JALAJA MOHANAN, AGED 58 YEARS W/O LATE MOHANAN, RESIDING AT THANNINILKUM PATHALI, ARUVAPPULAM, KONNI, PATHANAMTHITTA DISTRICT, PIN – 689691.

BY ADVS.

T.MADHU ROY THOMAS (PATHANAMTHITTA)

C.R.SARADAMANI RENJISH S. MENON ALEENA JOSE AVANTHIKA R.

KARTHIK KRISHNA M.

RESPONDENTS:

1 THE AUTHORIZED OFFICER, MUTHOOT HOUSING FINANCE CO. LTD, REGISTERED OFFICE, PC NO.14/2074-7, MUTHOOT CENTRE, PUNNEN ROAD, THIRUVANANTHAPURAM DISTRICT, PIN – 695039.

2 THE MANAGER, MUTHOOT HOUSING FINANCE CO. LTD, KOTTAYAM BRANCH, CHELLIYEOZHUKAM LANE, KOTTAYAM DISTRICT, PIN – 686001.

SRI. M.PREMCHAND, SC THIS WRIT PETITION (CIVIL) HAVING COME UP FOR ADMISSION ON

13.03.2025, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING:

JUDGMENT

Petitioner has approached this Court challenging proceedings initiated by the respondent Finance Institution under the provisions of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 for recovery of the amounts due from the petitioner.

2. During the course of hea