Vepuri Kamal Paul v. 1. The Union of lndia

Petition under Article 226 of the Constitution of lndia praying that in the circumstances stated in the affidavit filed therewith, the High Court may be pleased to issue an appropriate writ, order or direction more particularly one in the nature of WRIT OF MANDAI/US declaring the action of the respondents in not controlling the agents who harassing the petitioner and his family by the respondents Nos.3 to 7 (bank authorities and financial institutions) is illegal, arbitrary, violation of the principles of natural justice and blatant violation and as well as Rules framed under Reserve Bank of lndia and the fundamental rights guaranteed under the Constitution of lndia consequently direct the respondents not to harass the petitioner and his family members on the, ground of collecting the _*ry monthly installment dues and direct respondent nos. 3 to l' ir follow Circular dated 1210812022 vide RBll2022-231108, DOR ORG REC 65/2'i -)115812022-23 issued by respondent no.2 Counsel for the Petitioner: SRI M.KESHAV YADAV Counsel for the Respondent No.1: SMT. B.KAVITHA YAD,1 /, SC FOR CENTRAL GOVT C() JNSEL Counsel for the Respondent No.3: SRI SUDHARSHAN NAt AHARI Counsel for the Respondent No.5: SRI M.DEVENDER REt) )Y Counsel for the Respondent Nos.2,4,6 & 7: -- The Court made the following: ORDER -#:,'-?::l-:EH- ..-. ' ,. : g .11.. -l-lt- THE HON'BLE SRI JUSTICE NAGESH BHEEMAPAKA \VRIT PETITION No.3O776 of 2025 ORDER: Heard Sri NL Keshai, Yadav, learned counsel for the pelitioner, Smt B.Kavita Yadar. learrrrcl Standing Counscl lor Central Covrrr rmcrrt zrppearing for rcspondent No.1, Sri Sudharshan Narahari, Iearned counsel tor respondent No.3 and Sri M.Devender Reddy, learned counsel lor respondent No.5.

2. Dcspite se n,icc of notrce, none appeared for remaining respondcnts

3. Whcn thc natter is taken up for hearing, Iearned counsel for petitioner submrtred Lhart the rssuc raised in this Writ Petition is squarely cor.ered b1, Lhe order passed by this Court in W.P.No.52O0 ol 2O2,1, clated

25.04 .2024 and the rcforc, the same order may be passed in thrs n lit t I i perition as u,ell. The operzrtive portion of the said order reads as under: '8. F-or thc aforesard reasons ald as the procedurc adopted by thc respondent Nos.4 Lo 7 for recovery of loar.r ainount from the petitioner, amounts to vrolation of the rights guarantccd under Articles 14 ar,1 2l of the Constitution ol "-. India, this Court deems it appropriate to direct the respondents, to ensure that the agents engaged by thern for recolery of thc loan anounts, shall strictly follow the guidelir.res and instruclions issued by the Reserve Balk of India and also tl-re judgments of the Honble Supreme Cour[ in ICICI Bank Ltd Vs. Prakash Kaur's case (1 supra) and ICICI Bank Vs. Shanti Devi Sharma's case (2 supra). 9. With the above said direction, the writ petition is disposed of."

1. Lezrrned counsel for respondent Nos,1,3 & 5 have no objection ?ffiH ,_ -<rct 2

5. Accordingll., in tcrms ol the order passccl )j, this Court in W.P.No.52OO of 2t)24, datecl 25.04.2024, anci lor the rca: -r ns alike, this writ pcriLion is disposerl o1'dirccting [he respoLtdenL aurhonti s and their agents to scrupulouslv lollow tire guidelines/ ir-istructions issr r rd b-v thc Resen c Bank ol lndra in rrs Circul:rr daLed 12.08.2022 and :r1:;, the judgments ol Hon'ble Supreme Court ir-r ICICI Bank Ltd. v. prakas:r Kaur'ls case and ICICI Bank v. Shanti Devi Sharma'Zs case, rvirilc r-, covcring the loan amounts from the pctttioncr. No costs. I I To Pending miscellaneous applications, if an-t., s}-ra1) r rand closed I I 2oo+\ z Sk-:+ll z (z"oe)+scc 532_ SD/-A. JAYASREE A.Q,S STANT REGISTRAR //TRUE COPY// \i TION OFFICER 1 The Secretary, Union of lndia. Ministry of Finance, t',lbr,t )elhi 2. The Chief General Manager, Reservs Bank of lndta, (1, { ansad Marg, New 3. The Chief Manager, Piramal Finance Limrted, 4th Floor riramal Tower, Delhi -1 '10001 P^enins^ula Corporate Park, Ganpatrao Kadam t\/arg, l_ov.er parel, Ivlumbai _ 4000'13. 4 The ChieJ [Vlanag_er, Hero Fincorp Ltd, A-44, Mohan Oo-,)perative lndustrial 5. The Chief Manager, Early Salary Services pvt. Ltd., 4.0.t fhe Chambers Near Estate, Mathura Road. New Delhi - 1 10044. Ganpati lt/landir Chowk (Samrat, Chowk), Viman Nagar I d, pune, It/aharashtra 411O14. 6 The Chief lvlanager Punjab National Bank, Rajendra Blr rwan, Rajendra 7 The General. Manager. SBI Cards and payments Serlicr s Limited, (SBl Card). Unit Nos. 3C 3D and 3E. 3rd Floor, eueens plaza Sp Road' Secunderabad, Telanqana - 5O0OO3 Nagar, New Delhi- 110008 8 One CC to SRt tV KESHAV YADAV, Advocate JOPUCI 9 One CC to SMT. B.KAV|THA YADAV, SC FOR'CEN-tnl r COW COUNSEL '10 One CC to SRI SUDHABS_IIANl\ll\RAHARt, Advocare l( PUCI 1'1 . One CC to SRI IM,DEVENDER REDDY, Advocate [OpL ( j] 12. Two CD Copies IoPUCI PSK- BS PMa l HIGH COURT DATED:1 8111t2025 ORDER WP.No.30776 ot 2025 , ! (, k *," 1 5 uAft mzf * DISPOSING OF THE WRIT PETITION WITHOUT COSTS 2-$ >\>t