DRT Legal Solutions
(Debts Recovery Tribunal Legal Solutions) is an India based
Law Firm specializing in DRT, Securitisation, NCLT, Borrowers and Guarantors Solutions in Debts Recovery Tribunals,
Pioneers in Counter-claims and Damage Suits based on Law of Torts and Law of Damages
Phones (India) - Mobile - +91-930-2103689, Off. & Res.- +91-731-4049358 and +91-731-3290201
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DRT Solutions Weekly Mail – 30th Issue dated 5th Dec. ’08
(1) OA Dismissal Application in Mumbai:-
In the matter of one of our clients from Mumbai, an important precedent has been revealed as under:-
Under similar circumstances, the OA No 1194/2000 was dismissed by the DRT III, Mumbai on 27.03.03 in the matter of Indian Bank vs Jems Metals P Ltd. The Appeal No 109/2003 filed by the bank in DRAT Mumbai was also dismissed on 31.03.04 vide details in citation 2004(4) ALL MR(JOURNAL) 19. The bank filed writ petition no 867/2005 before High Court of Judicature at Bombay. During the proceedings held on 07.12.07, the counsel of the Bank sought adjournment with the information that the Bank was seeking instructions from its Head Office to settle the matter. On 07.01.08, further adjournment was desired as the matter was under considerations of the higher bank authorities. The said writ petition is still pending waiting for the settlement initiated at the instance of the petitioner i.e. the Bank.
In view of above, on account of defects in the accounts and its incorrect presentations, OAs filed by the Banks in DRTs Mumbai are destined to be dismissed as the law has been well settled.
The Banks have no options but to correct their accounts and present the same as laid down in the well settled law and procedure of law. The balance sheets of the banks will have to be corrected in accordance with Companies Act 1956. If such defects continue to exist, the banks will have to take actions against the erring officials and auditors. The huge professional charges being paid for audits also become questionable as such audits are conducted within a day or two in a hurried manner at the fag end of the year.
(2) Lesson from working of US Supreme Court:-
The present Judicial System has originated from Greek and Romans and have passed through France and UK. Following working of the American US system will reveal as to how much they have improved and comparatively how much we have deteriorated:-
(a) In US Supreme Court, there is only one bench consisting of 9 judges headed by the Chief Justice.
(b) Only two cases are taken up in a day. Further only 6 cases are taken up in week and only 12 cases in a month. There are no adjournments.
(c) Exhaustive Brief on a case (may run in hundreds of pages) with exhaustive Index (may run in several pages giving reference of page no and line no) is submitted months in advance.
(d) Maximum permitted time for argument per case is one hour. During this time, the Judges ask several questions. The complete arguments are recorded in form of audio and video. The said argument is simultaneously transcribed with exhaustive index. The complete argument – audio, video and transcription appears on the web site on the same day in the evening. It is pertinent to note that the Court Room Videos are being recorded in USA since 1970.
(e) The full bench of 9 judges have series of discussions among themselves and after thorough research, the final judgment is prepared. There is no time limit for award of the judgment. The only criteria is thoroughness and perfection.
(f) We can well compare Indian Judicial System and draw our own conclusions on the real implementation of the verdicts of our Supreme Court that ‘The first duty of the Courts is to do Justice – Courts must endeavor to find the truth – Justice is a virtue which transcends all barriers – Even the law bends before justice – the function of a judicial trial is to hear and decide a matter in contest between the parties in open court in the presence of parties according to the procedure and rules of evidence etc.’
(g) In view of above, the Indian Judiciary needs improved management and application of modern technology. Accordingly the DRT Conference held at Indore dealt with these aspects. We are also trying to introduce the same in DRT Court cases of our clients. The emphasis on Review has been to achieve thoroughness in the trial. We are also developing exhaustive briefs with index as well as video arguments. All these measures have started bringing better results in the DRTs. When these cases come to the level of High Court and Supreme Court, the thorough trials will be useful to our clients.
(3) Criminal Action against an AGM of a Bank:-
In the matter of one of our clients from Mumbai, a particular AGM of the bank committed wrong doings and initiated illegal recovery actions as well as threatened to declare the company as ‘willful defaulter’ Despite legal proceedings, the said AGM of the bank continued to harass the borrower. There was no alternative but to commence criminal proceedings against him. When an exhaustive notice was served, the said AGM did not submit any reply. The bank also informed that the matter is being considered by the Head Office of the bank. Now a criminal complaint is being filed against the said AGM.
(4) Posting of PO in DRT Jabalpur:-
The DRT Jabalpur has been without any PO and Recovery Officer for past several months. Now the PO DRT Lucknow has been asked to look after the duties of DRT Allahabad and Jabalpur. Thus one PO will be looking after 3 DRTs. We have asked our clients to be very careful so that quick disposal do not endanger their cases.
(5) Appeal under Sec 17 of Securitisation Act is akin to a suit:-
Despite our repeated emphasis, the Appeal u/s 17 of the Securitisation Act is not being contested as a suit. As per the law laid down by the Supreme Court in the matter of Mardia Chemicals, the said word appeal in Sec 17 is a misnomer and it is an original action akin to a suit. The litigant borrowers and guarantors should ensure the complete proceedings of a suit viz discovery of documents, framing of issues, cross-examination etc. If any counter-claim has been filed, no recovery action can be taken, till the said counter-claim has been decided.
(6) Thought Provoking Mails from Mr. Firoz Poonawalla on Mumbai Terrorists Attack:-
Mr. Firoz Poonawalla has sent following 3 thought provoking mails:-
Mail No - 1
A LETTER TO THE PRIME MINISTER OF INDIA
Dear Mr. Prime minister I am a typical mouse from Mumbai. In the local train compartment which has a capacity of 100 persons, I travel with 500 more mouse. A mouse can at least squeak but we can't even do that.
Today I heard your speech. In which you said 'NO BODY WOULD BE SPARED'. I would like to remind you that fifteen years have passed since the serial bomb blast in Mumbai took place. Dawood Ibrahimwas the main conspirator. Till today he is not caught. All our bollywood actors, our builders, our Gutka kings meet him but your Government can not catch him. Reason is simple; all your ministers are hand in glove with him. If any attempt is made to catch him everybody will be exposed.
Your statement 'NOBODY WOULD BE SPARED' is nothing but a cruel joke on this unfortunate people of India.
Enough is enough. As such after seeing terrorist attacks carried out by about a dozen young boys I realize that if same thing continues, days are not away when terrorists will attack by air, destroy our nuclear reactors and there will be one more Hiroshima and Nagasaki.
We the people are left with only one mantra. " Womb to Bomb to Tomb ".
You promised Mumbaikars-a Shanghai and what you have given us is a Jalianwala Bagh.
Only today, your home minister resigned. What took you so long to kick out this joker? I am born and brought up in Mumbai for the last fifty eight years. Believe me corruption in Maharashtra is worse than that in Bihar. Look at all the politicians- Sharad Pawar, Chagan Bhujbal, Narayan Rane, Bal Thackray ,Gopinath Munde, Raj Thackray, Vilasrao Deshmukh all are rolling in money.
Vilasrao Deshmukh is one of the worst Chief Ministers I have ever seen. His only business is to increase the FSI every other day,and make money . Now the clown has found a new way and will increase FSI for fishermen so that they can build concrete houses right in front of sea shore. Next time terrorists can comfortably live in those houses , enjoy the beauty of sea and then attack Mumbai at their will. Recently I had to purchase a house in Mumbai.
I met about two dozen builders. Everybody wanted about 30% in black. A common person like me knows this and with all your intelligence agencies & CBI, you and your finance ministers are not aware of it. Where does all the black money go? To the underworld isn'tit? Our politicians take help of these goondas to vacate people by force. I myself was a victim of it.
If you have time, please do allow me to see you. I will tell you everything.
If this has been a land of fools, idiots, then I would not have ever cared to write you this letter. Just see the tragedy, on one side, we are reaching the moon, people are so intelligent and on the other side you politicians have converted nectar into deadly poison.
I am everything : Hindu, Muslim, Christian, Schedule caste, OBC, Muslim OBC, Christian Schedule caste, Creamy Schedule caste, - only what I am not is INDIAN.
You politicians have raped every part of mother India by your policies of divide and rule.
Take an example of our former president APJ Abdul Kalam. Such a intelligent person, such a fine human being. You politicians didn't even spare him. Your party along with opposition joined the hands, because politicians feel they are supreme and there is no place for a good person like him.
Dear Mr Prime minister-you are one of the most intelligent persons, most learned person. Just wake up, be a real SARDAR. First and foremost expose all selfish politicians. Ask Swiss bank to give name of all Indian account holders. Give reins of CBI to independent agency. Let them find wolf among us. There will be political upheaval but that will be better than dance of death which we are witnessing every day.
Just give us ambience where we can work honestly and without fear. Let there be rule of law. Everything else will be taken care of.
Choice is yours, Mr. Prime Minister. Do you want to lead the nation of a 100 Crore people or be led?
Prakash B. Bajaj Chandralok 'A" Wing, Flat No 104 97 Nepean Sea Road, Mumbai 400036 Phone 98210-71194
Mail No - 2
oHERALDo :: Goa's complete online news edition 11/30/08 9:45 AM
http://www.oheraldo.in/printerfriendlypage.asp?nid=13325&cid=26 Page 1 of 1
Total politico blackout
Now that the flames at the Taj have been doused. Now that the valiant and innocent have been buried. Now that out true heroes have been realised. Now watch our political rats emerge. Mouthing meaningless words on television. Pointing to Pakistan. Attempting a vote-bank exercise in the face of disaster.
Mr Modi, thank you for visiting Mumbai. Thank you for your generous Rs 1 crore. But no, thank you! Please take that money and buy yourself some patrol boats so that Porbandar port is secure for us Indians. Stay back home and do your job. We are not fooled by your vote-gathering schemes. The terrorists came in by water or voter? Was someone in your ministry bribed to look the other way so that the terrorists could get smooth passage to Mumbai?
Fantastic as it may sound, we all know that politicians will try to get votes in any way. What better way than to cause chaos and gamer a sympathetic vote-bank?But no! This time we will not be fooled.
L K Advani can say all he wants, but India attracted hatred after his wondrous kar sevaks marched on Ayodhya and tore down the Babri Masjid. After that, the dam broke. So, Mr Advani, please return to Delhi and take your schemes with you. Pray tell us, where are our other local political parties? The glam set that mixes with Bollywood stars, Mumbai socialites and Delhi power honchos? Were they asleep for three days?
Excuse me, Mr Manmohan Singh, you and your Home Minister have fallen on your faces in disgrace. You give our police lathi sticks to fight AK-47s. You keep commandos for VIPs, encourage entourages of 20 or more security cops, twirling red-beacon cars and a posse of motorbikes to escort our public servants. Mumbaikars and all ye Indian brethren, let us take all that security away from these publicity-hungry, bribe-happy, vile conspirators, unconscious of India’s security, who have led India to this disreputable moment.
We need the media to stop following them and taking their sound bytes. Black them out totally. They transfer good cops, install incompetent friends in positions of security, and expose India to risk. Seriously, can ten persons hold a city and country to ransom? It has obviously taken more insiders in India than the supposed twenty persons who come from the sea. They could have come from anywhere. They need not be Pakistanis. Let us not lose focus here.
Whoever came in, arrived because our security, intelligence-gathering and incompetent system were flawed. We are not concerned if they are neighbours near us, or from Africa or the Far East. They came in. Our politicians facilitated their entry. And then further worsened the situation by time and again not planning a strategy to cope with such emergency situations. When will we learn?
The real heroes are our forces: Navy, Army, commandos, police and the magnificent bravery of the Taj and Oberoi staff. Simple people who tower over our spineless politicians and administrators. Yet neither our PM nor any other leader gave them a 3-minute silent offering of prayers.
Here in Goa, the film festival continues like a party. Politicians are glamour-struck to be near the likes of Rekha, Tabu and Catherine Deneuve. Not a single thought for Mumbai and its suffering. Shameful!
The media should honour these men and women. Make a vow not to glamourise politicians. In fact a total blackout of politicians on TV would be ideal. We voted them in to do a job. Not to bask in television lights and newspaper coverage. The mood of the nation is one of anger. And the anger this time will not, should not, be communal. We simply do not want to see, on TV or newspapers, the faces of our shameful leaders. As in the French Revolution, let us bond together, throw out these corrupt parties, vote in our NGOs and honest industrialists and get on with restoring India's dignity and prosperity in the modern world. For our politicians, four simple words: “Off with their heads!”
Mail No - 3
not worry about those who have come thru boats...
3. An ace shooter shoots and gets gold medal, govt gives 1cr, another shooter dies while shooting terrorist, govt gives 5 lakh.
WHO DESERVES MORE? Huh.. This is our India....
DRT Solutions Weekly Mail – 29th Issue dated 27th Nov. ’08
(1) PO DRT applying pressure for Final Arguments:-
In the matter of one of our clients from Madurai, the case in DRT is going on for more than ten years. When the party came in touch with us, we guided them in such a manner so that the facts are first determined judicially. Since our approach is based strictly on law and procedure of law, it was resulting in more time due to greater thorough and more accurate work in DRT itself. This was not liked by the PO and hence he started behaving erratically. We advised our client to cover everything in writing. The said PO was unable to dispose off certain interim application properly and in some cases, his orders had ingredients of Review. When Review Petition was filed, the said PO got infuriated and fixed the date for final arguments even without disposing off the interim applications.
In the matter of certain other clients also we found that the cases are hurried up as above without following the law and procedure of law. The parties are asked to submit there pleadings and proof affidavits, after which the dates are fixed for final arguments.
The courts including DRTs have been established for awarding justice. The original recommendation in Tiwari Committee Report published by RBI in 1984 at page 77 was that the proposed DRTs should be manned by persons having specialized knowledge in the functioning of banks, financial institutions and industry. So far since 1993 such persons have not yet been posted, the POs with only legal background will take more time. Further the procedure in DRTs is in the evolving stage, it will take more time even compared with civil courts.
The practice of the banks to submit general and evasive denials further complicate the matters resulting into inspection of documents and cross examination of bank officials.
Until and unless the pleadings have been transformed into ‘Undisputed Facts on Record’. and issues have been framed, no final arguments can take place. If the PO pressurizes, everything must be put down in a written submission with legal provisions stating that such pressure will amount to injustice. Despite if he goes ahead with ordering final arguments, his orders must be subjected to Review and Appeal as well as change in court.
The DRT Defendant Litigants should not fall in the trap of quick disposal by which the final orders in DRTs are first quickly issued. The trap is revealed when the borrowers point out the deficiencies in trial, the higher courts only support the lower court or blame the appellants for not getting the trial properly conducted.
In one of the case, the Supreme Court blamed the Appellant for not reviewing the order of the High Court as well as slapped a cost of Rs. 25,000=00
On account of above, we have been repeatedly advising our clients to be thorough on every date and if there is any violation of law in any order, go for Review, Change in Court and Appeal. The existing legal battle for borrowers is long drawn, highly time consuming and expensive. If it is hurried, it will be only against the borrower and not the bank.
(2) Amendment in Counter-claim:-
In the matter of one of our clients at Madurai, the amendment to Counter-claim has been filed after several years. The law relating to amendment to pleadings is contained in O-6 R-17 of CPC 1908. There are numerous authorities on this subject.
(3) Final Order passed by DRT–Review & Appeal:-
In the matter of one of our clients at Bangalore, the final order passed by the DRT Bangalore is found having several ingredients of Review and hence we have advised the said client to first file Review and then Appeal within the limitation of Appeal. Both the remedies are available. First Review is to be decided and till then the Appeal has to wait.
(4) Running of Business during Litigation:-
One of our clients at Ranchi asked us as to how he can liquidate the inventory during the ongoing litigation. He has already filed counter-claim which is much more than the alleged claim of the bank. We have advised him that since there is no debt due, no recovery action can be taken till the counter-claim is decided and hence he should run his business and liquidate the inventory.
(5) Declaration of Willful Defaulter:-
One of the recipients of our Weekly Mails enquired about the action to be initiated against the bank in the threatened action to declare the borrower as ‘Willful Defaulter’ We have advised him that out of the three proposed actions viz DRT, Writ and Civil Court, the best course of action is to file ‘Injunction and Declaratory Suit’ in civil court which alone gives the scope for full trial. In fact, we have done so in respect of one of our clients at Mumbai.
(6) This issue of Weekly Mail appears a day earlier:-
Our Weekly Mails are scheduled to be issued and published on the web site on every Friday morning 6AM. But on 27th November morning, Mr. Ram Kishan will be traveling out of Indore for few days, it has been decided to prepone this issue of the Weekly Mail by a day.
DRT Solutions Weekly Mail – 28th Issue dated 21st Nov. ’08
(1) DRT Bangalore awards counter-claim:-
In the matter of Canara Bank vs Makers & Sellers Union, OA No 805/1997, the DRT Bangalore in its order dated 11.11.08 has awarded counter-claim of Rs. 33.96 lacs with interest @ 12% p.a. with quarterly rest from the date of application till the date of realization.
(2) DRT Pune awards set-off of 60%:-
In the matter of Bank of Maharashtra vs Parvati Farms (Pune) Pvt. Ltd. OA No 935P/2001, the DRT Pune in its order date 13.10.08 has opined that the bank is to be blamed 60% and hence if the claim of the bank is reduced 60%, it would compensate the defendant loss.
Thus as may be seen from the above mentioned two cases, the DRTs have started noticing the wrong doings of the bank which are forcing the borrowers and guarantors to file their counter-claims and damage suits. In due course of time, the DRTs will have a better understanding of law of torts and law of damages and more such cases will be decided in favour of bank victims.
(3) OA Dismissal:-
One of our clients at Mumbai submitted an application for ‘Dismissal of OA’ in DRT. The counsel of the applicant Bank requested for further time for submitting the reply. Under similar circumstances, the OA No 1194/2000 was dismissed by the DRT III, Mumbai on 27.03.03 in the matter of Indian Bank vs Jems Metals P Ltd. The Appeal No 109/2003 filed by the bank in DRAT Mumbai was also dismissed on 31.03.04 vide details in citation 2004(4) ALL MR(JOURNAL) 19. This information will be useful to all such litigants who have filed similar applications.
We have found that in almost all the cases, the accounts maintained by the banks are defective. Time is not far when the banks will have to rectify their accounts before filing the OA in DRTs.
The banks will also be made to realize that they have to abide by the law in all their dealings otherwise their recoveries through DRTs will also be meeting the same fate as in civil courts.
(4) Arguments before DRTs:-
Many of our clients have pointed out that in DRTs, their cases are hurried up and just after the pleadings and proof affidavits, the cases are fixed up for final arguments.
The above procedure is totally wrong. It is pertinent to note that the complete adjudication process in any trial court including DRTs is for judicial determination of facts relating to alleged recoveries by the banks. Assuming that proper counter-claim or damage suit has been filed, the goal of the defendant borrowers and guarantors should be to achieve ‘Undisputed Facts on Records’ relating to the bank claim, wrong doings of the bank and consequent damages. There is no short cut for the said judicial determination of undisputed facts otherwise the trial will be defective and once the decree is passed, nothing can be cured in the higher courts.
Hence all the litigant borrowers and guarantors are advised first to have proper pleadings preferably drafted by someone who has mastery of facts and mastery of law. Then using the tool of established procedure of law, the facts must be determined judicially. After this only the stage of arguments will be reached and not earlier.
(5) Arguments (Oral & Video) in USA Supreme Courts available on internet within a day:-
The arguments in US courts are recorded in audio and video format since 1970. Nowadays the same are available on internet e.g. in respect of Illinois Supreme Court, the Oral Argument Audio & Video on demand may be found by clicking the link at http://www.state.il.us/court/Media/On_Demand.asp
Just after completion of Arguments, the audio and video versions are posted on the above web site on the same day. The advocates, litigants and common public may download the same and study thoroughly by playing forward, backward and pause any number of times.
The Supreme Court of India has recently decided to commence audio records of the arguments and in due course of time, it will be introduced in High Courts and District Courts. Such records will also be available on the web sites. With such measures, the quality and service of justice delivery system will definitely improve.
(6) Useful Quotation:-
"No stream or gas drives anything until it is confined. No Niagara is ever turned into light and power until it is tunneled. No life ever grows great until it is focused, dedicated and disciplined." -Harry E. Fosdick
Self-discipline and self-motivation are joined at the hip.
Why is that?
When you practice self-discipline you feel like you are in control of your life. You feel content and motivated because you're moving toward your goals.
DRT Solutions Weekly Mail – 27th Issue dated 14th Nov. ’08
(1) DRT Case filed by the Bank stayed till the SLP filed in Supreme Court is finally decided:-
One of our clients at Mumbai informed that the DRT case filed by a Co-operative Bank has been stayed till the SLP filed in the Supreme Court is decided. The issue regarding Co-operative Banks being treated as ‘Banks’ under the Banking Regulations Act is under considerations with a 5 judges bench and the hearing is scheduled on 6th Dec ’08. All such cases filed by the Co-operative Banks in DRTs have been stayed all over the country.
(2) Panchnama made by the Borrower on refusal of the Bank to receive letter:-
One of our clients at Indore received a notice under Sec. 13(4) of Securitisation. The borrower sent a reply through speed post as well as through hand delivery. When the bank officials refused to receive the said reply through hand delivery, the borrower sent his representative along with two witnesses and after refusal by the bank officials, a Panchnama was prepared for the said refusal and sent to the Bank and concerned officials. Thus any untoward conduct by the public servants including bank officials can be recorded by such Panchnamas.
(3) Scandal of Disposal of Secured Assets at throw away prices :-
One of our clients at Chennai has noticed an organized scandal by a Factoring Services Firm which has employed ex-officials of the banks and government. They have created a web site and are in regular collusion with the recovery departments of the banks. They plan all the activities in banks and DRTs in locating the securities, arranging valuation and sales at much lower values. The said Factoring Services firm even joined as one of the parties in the ongoing DRT litigation. On certain wrong doing, the DRT even asked the said firm to tender apology in writing. The borrower has also lodged complaint with the police and CVC (Central Vigilance Commission) This topic was discussed in the Indore Conference and mention was made vide DVD No – D-014.
(4) Review and Appeal – Important verdict of MP High Court:-
In one of the cases at Indore, a Review was filed in trial court on 28.02.05. On the same matter an Appeal was filed on 31.08.05. While the proceedings in Review were going on, the Appeal came up before the Division Bench of High Court which on 17.09.08 ordered as under:-
(1) “Admittedly both i.e. present application filed under Order 44 Rule 1 of C.P. Code and review can not be prosecuted simultaneously and therefore, so long as the review petition is not finally disposed of, this application filed under Order 44 Rule 1 ibid can not be proceeded with.”
(2) The said High Court on 03.11.08 ordered “This appeal is adjourned sine die with a direction that after the applicant makes an application for taking up the matter, only then the appeal will be taken up for consideration.”
(3) Thus our contentions have again been validated when statute provides two remedies, the litigant can avail of both but in sequence. The remedy which has been invoked first has to be decided on merits first and till then only the second remedy has to wait. A comprehensive analysis of this subject is available in AIR 1948 Allahabad 353 which has not yet been overruled. In many Supreme Court judgment, the same concepts have been upheld in the matter of Review and Appeal.
(5) DRT Bangalore orders interim stay without any deposit in the matter of appeal under sec 17 of the Securitisation act:-
In respect of one of our clients from USA having Registered Office at Bangalore and facing action under the Securitisation Act in the matter of their Power Project setup in Hassan, the PO DRT as usual initially insisted for Deposit (against alleged claim of Rs. 28 crores approx.) While arguing the case, our Senior Advocate Mr. Dubey submitted various legal and factual grounds on account of which such deposit is not justified. Finally the said PO issued the order without any deposit or any other conditions as under:-
“Interim stay of all further proceedings such as taking physical possession, conducting auction sale, confirmation of the same etc. until further orders”
(6) Approach to Trial in DRTs – application of Constitution of India and CPC:-
In respect of trials in DRTs and civil courts we have been all along insisting for the following:-
(1) These courts are the first and last to determine the controversial facts and proper law to be applied to determine the controversy as well as the rights and liabilities of both the parties.
(2) The Borrowers and Guarantors facing DRT Litigations should regard DRTs as the ultimate courts just like the Supreme Court so far as the judicial determination of facts are concerned. Any lapse on this aspect can not be remedied in the Higher Courts.
(3) The above becomes all the more important when all the courts in our country are heavily loaded and there is acute shortage of judges. There will always be pressure for hurry from the Judges and opposite parties like Banks and Financial Institutions.
(4) Under the above facts and circumstances, one has to be perfect in pleadings and adjudication on every date. A thorough understanding and application of Constitution of India and Civil Procedure Code as well as the leading judgments from the Supreme Court of India must be kept in view and used in all submission before the courts and DRTs. Either written or Video Arguments must be submitted.
(5) Further details may be had from the DVD No D-013 of the Indore Conference.
(7) USA has Separate ‘Bar Association of Trial Lawyers’:-
In our country requisite importance is not being paid to the Trial Courts which include the DRTs also. Incidentally the DRTs have been mainly setup in the cities which have the High Courts. At these places experienced Trial Advocates are not available.
The Advocates practicing in Higher Courts like High Court and Supreme Court do not have required knowledge and expertise suited for the Trial Courts or DRTs.
The trial courts mainly concentrate on judicial determination of facts including discovery of documents and cross examination of witnesses whereas the Higher courts go through the intricacies of application of law. Thus the approach in both the arena are entirely different. Hence the DRTs are not having the requisite type of advocates as is required.
Keeping the above aspects in view, we have been advising our clients to go through the facts, DRT Act, Securitisation Act, Evidence Act and CPC thoroughly and help their advocates accordingly. We have been helping them to interact with us without any hesitation. In future, we foresee that the DRT Advocates and Trial Lawyers will have their own Association.
DRT Solutions Weekly Mail – 26th Issue dated 7th Nov. ’08
(1) Review and Appeal – Important verdict of MP High Court:-
(a) In one of the cases at Indore, a civil suit was dismissed by the trial court on 15.02.05 on preliminary issues . A review was filed on 28.02.05. While the review was in process, the limitation for appeal was getting nearer. Hence the Appeal was filed before the High Court Bench at Indore on 31.08.05.
(b) In the mean time when the said Appeal came up before the High Court, the Division Bench desired on 17.9.08 that the Review must be decided and completed within a month.
(c) During arguments on 03.11.08 after reviewing the entire matter, the High Court gave the following important verdict:-
“The Appeal is adjourned sine-die till Review is decided and Appellant comes up for continuing the Appeal.”
Our Comments:- The above verdict of the High Court is validation of our views being put up past 8 years summarized as under:-
(1) The Review and Appeal are two legal rights under the statute (e.g. in CPC 1908) with well defined jurisdictions.
(2) If Review is filed while no appeal is pending, the legal right of Review has to be decided on merits. Such legal right can not be taken away by any court of law.
(3) During the pendency of such Review, if Appeal is filed due to limitation, the said Appeal being another legal right is also needs to be decided on merits.
(4) Under the above circumstances, the Appeal has to wait till Review is decided.
(5) There are several High Court and Supreme Court judgments which support above view. The above mentioned verdict of High Court dated 03.11.08 is the latest.
(6) Those who have not gone in depth about such matter still are carried away by a wrong notion that when two remedies exit, one can exercise only one. There are several Supreme Court judgments which uphold simultaneous use of both the remedies, The latest verdict of the Supreme Court in the matter of Transcore is well known.
(7) We are preparing exhaustive and exclusive ‘Video Opinion’ on the above matter based on analysis of various High Court and Supreme Court judgments.
(8) As we are emphasizing perfect trial in DRTs, the said ‘Video Opinion’ will be of immense use to the Borrowers and Guarantors facing DRT litigations. The tools of Review and Change in Court combined with ‘Video Arguments’ will greatly improve the quality of adjudicative process in DRTs. When the facts are correctly established in DRTs, the Higher Courts will not be misled or misdirected by the Bankers’ pressure for ‘Recovery by Hook or Crook’
(9) For further details, one should view the DVD No D-013 of the Indore Conference wherein the above matter has been dealt with in detail.
(2) Language in our Web Site and Weekly Mails:-
One of the Advocates recipient of our weekly mails has objected to the language used in our weekly mails and in our web site. In this context, the following facts need to be kept in view:-
(a) Some of the advocates and judges in our country are unable to part with the age old practices established by the British.
(b) The scenario dramatically changed after promulgation of our Constitution when public acquired fundamental rights. As per sec. 21 of IPC 1860 the judges are public servants. As per sec 2(17) of CPC 1908, the judges are public officers. The advocates are professionals hired by the public. The public as litigants are the customers and consumers in the service industry of Justice Delivery System. Time is not far when just like ‘Customer is the King’, the ‘Litigant also will be the King’ The Constitution of India has already armed the public with fundamental rights and separation of judiciary from the executives. When the present rule by ‘Public Servants’ will be replaced by ‘Public’, we will have the real democracy.
(c) Even in British days, the then ICS officers whenever used to write any letter to the public were required to end the letter with the phrase ‘Yours most obedient servant’ Our IAS officers have conveniently dropped this phrase which is most appropriately needed in the democratic setup like ours.
(d) When the courts are deciding damages due to deficiency of service under Consumer Protection Act and violation of statutory duties, the same concepts will come into play for the advocates and judges. The complete setup is meant for giving excellent service to the litigants. More so in DRTs where huge court fees of Rs. 1 lac to 1.5 lac as well as deposits have been prescribed without any considerations whether the unit is closed or the industry is sick, whether the promoter is able to survive or not.
(e) For new entrepreneurs, we have been advising them that their project reports must include the funds for survival and fighting legal battles during sickness. When there is no such problems for the Bankers, why the entrepreneurs should suffer. More so when there is no 'No Fault Insurance' and 'Lenders' Liability Enactment' in our country. All these matters we have already highlighted on our web site since last 8 years vide the link http://www.drtsolutions.com/legal_forum.htm
(f) For the existing litigants in DRTs, we have been basing the counter-claims and damage suits on their balance sheets with suitable comments so that the related facts are established by way of judicial determination. It is interesting to note that despite package of Rs. 71,000 crores, the farmers are still committing suicides as the package may correct the balance sheets of the banks but the farmers have no provision of survival expenses.
(g) All over the world, the trend is to modify the legal language in such a manner so that it is easily understood by the common man as litigants. This has been highlighted in the book ‘Plain Language for Lawyers’ by Michele M Asprey, 2nd edition – First Indian Reprint by Universal Law Publisher in 2002.
(h) Under the above scenario, our language in the web site and weekly mail expresses in simple language the ground realities relating to the bank victims who are being treated and termed as defaulters and culprits, in many cases, due to the wrong doings committed by the banks. The farmers and industrialists are real wealth generators and so long as they are not treated properly, major portion of the society (85% in India) will remain poor and only window watchers for the products coming from outside countries like China.
(3) Guidance to a Research Scholar doing PhD on the functioning of DRTs:-
One of the Research Scholars from Pune University has called on us to understand and analyze the functioning of DRTs in Maharashtra. We provided him with complete background material and fundamental concepts. The improvements can only be achieved by application of modern management techniques and improved technology. He was informed about various areas in which he should carry out the research. Further he was told that the bankers are unable to implement the law contained in the Constitution of India and the Bank Nationalization Act. They are openly violating the duty of care contained in law of torts as well as the breach of statutory duties laid down in the RBI Guidelines. The borrowers and guarantors have the only option to file counter-claims or damage suits against them. The battle is to be fought in the trial court of DRTs based on law and procedure of law keeping in view the principles laid down by the Supreme Court of India in the matter of Swaranlata AIR 1969 SC 1967 para 6. He was handed over the DVDs pertaining to the Indore Conference as well as those pertaining to the Video Arguments.
(4) Another assignment on ‘Video Arguments:-
One of our clients from Indore when viewed the ‘Video Arguments’ was so much impressed that he desired to have such ‘Video Arguments’ prepared by us for his writ petition to High Court in respect of appeal dismissed by the DRAT. He appreciated the thorough research being done by us as well as the Superior Presentation (due to 100% record and 100% recall) which will be liked and demanded by the Advocates and the Judges.
(5) Our Senior Advocate Mr. Dubey will be in Bangalore during next week:-
One of our prestigious client based in USA and having case in DRT Bangalore desired to have our Advocacy Services also. Accordingly our Senior Advocate Mr. Dubey will be in Bangalore during next week. The south based clients and parties may call on Mr. Dubey by fixing prior appointment on his mobile no 9425063769
DRT Solutions Weekly Mail – 25th Issue dated 30th Oct. ’08
(1) Important Mails received:-
Our weekly mails have become quite popular in the country among the borrowers and guarantors. Huge number of new recipients are being added every week. It has been greatly appreciated by them as may be seen from number of mails received by us. One of such mails is reproduced below:-
(2) Importance of thorough knowledge of CPC:-
The CPC (Civil Procedure Code) 1908 in India is the most litigated enactment. It is based on the well established procedure in English Courts past several hundred years. The first version of the CPC in India was issued in 1859. All the judicial trials in the country including that in DRTs are based on CPC.
In Bank litigations, all the facts are contained in documents. All the documents are in power and possession of bank.
In specific case of counter-claim or damage suit against the banks, the defendant bank is required to submit their written statement. In almost all the cases, we have observed that as a routine practice, the defendant bank comes up with general and evasive denial of all the facts contained in the pleadings of the plaintiff borrowers. Hence as per the law contained in CPC, the plaintiff borrower is entitled to discover all the facts contained in the documents. If this stage of trial is fought properly, either the bank will have to offer all the documents for inspection or their defence will be closed. Either way the bank will lose the case.
Cross examination of bank officials is the next most important stage of the trial. Person having mastery of facts and mastery of law should alone cross-examine the bank officials. The goal of the said cross-examination should be admission of wrong doings by the bank officials.
In that eventuality the final argument becomes very simple as one has to describe the admissions only. Once wrong doings are thus established, the plaintiff borrower has to prove the quantum of damages.
Our clients from time to time made many queries. We submitted our replies based on the CPC. Some of such matters alongwith our replies were in brief as under:-
(a) There is no such thing as motion hearing of interim applications.
(b) There is no such thing like ‘Repliction’ WS and the enclosed documents are the final pleadings of the defendant bank.
(c) The plaintiff is free to enjoin defendants justifying the same on his pleadings.
(d) The Review must be completed before taking up the appeal.
In this context, we have observed that the defendant Bank comes up with general denial and fighting on all above and similar matters. If there is lack of knowledge of CPC at the trial stage, there are wrong decisions at the trial stage. Efforts for resolution from Higher Courts may entail Herculean efforts or even the decisions from higher courts from complicate the matters.
All the above aspects are fully covered in CPC. There is no substitute of thorough knowledge of CPC. The litigant and the trial lawyer should be very meticulous on every date. That is why we are empowering the clients and their advocates. The goal should be that one should be very particular on every date. In important matters, written and or video arguments must be submitted.
(3) An Interesting Book ‘The Terrible Truth about Lawyers What Every Business Person Needs To Know’:-
Mr. Mark H. McCormack has written a best seller ‘What They Don’t Teach You At Harvad Business School’ The same author has written an interesting book ‘The Terrible Truth About Lawyers what Every Business Person Needs To Know’ This book contains lot of useful suggestions for the litigants.
(4) Importance of communication:-
We have been emphasizing importance of constant and regular communication with our clients. Recently we faced a problem when we found that there was no communication. We had no option but to send repeated mails followed by phone calls and SMSs, Finally the party came up with the proposal that we may chat on g-mail. The said chat of 26.10.08 was saved and is reproduced below. The names of the persons and place has been altered to maintain the professional secrecy and not to cause any aspersion on anybody.
Whatever may be the reasons, quick response to the communication is first essential step in dealing among ourselves.
Chat with a Client at 1 PM on 26.10.08, Sunday
(Names and Place have been changed to maintain the professional secrecy)
me: Dear Anil, I am available since 1PM
Sent at 1:02 PM on Sunday
me: U may send SMS, I will immediately come before the desktop
Sent at 1:04 PM on Sunday
Ahemdabad-Anil: i am online now
Sent at 1:16 PM on Sunday
me: Hi Anil, what happened to ur throat?
Ahemdabad-Anil: i had been to golpudi in andhra may be because of water throat is paining terribly cannot speak it pains when i try to speak
me: I am sorry to give u trouble when u are unwell, u could have asked ur father or Yashwant to talk to me.
Sent at 1:19 PM on Sunday
Ahemdabad-Anil: it's ok they are all busy in their work because i was not in station Mr. Yashwant was also in mumbai i belive and he came back yesterday i think
me: Anyway first of all, let me wish u a speedy recovery. Also we wish u and ur family a very happy and prosperous Diwali.
Ahemdabad-Anil: i wish you and your family very happy and prosperous deepawali and i will be alright in two or three days
me: As u know that it is for the fist time we have extended credit to U and now it will be the last to anybody as we don’t want to spend our time and energy for follow up
Sent at 1:21 PM on Sunday
Ahemdabad-Anil: it is not about credit as and when you have asked we have paid but there is some difference in amounts and some application which had no use so that needs to be cleared and about TDS also
me: As regards bills, all the covering bills for the payment made will be provided so that ur advances are squared up.
As regards TDS, u may deduct the same as soon as u make any payment and the certificate be provided in time.
Sent at 1:23 PM on Sunday
Ahemdabad-Anil: yes please send urgently the bill so that accounts gets cleared and it becomes very easy to process OK we will deduct TDS and provide you the certificate.
me: as soon as u get well say in 3 to 4 days, please lay down the schedule for clearing the payments
Sent at 1:25 PM on Sunday
Ahemdabad-Anil: oh no problem i will inform the schedule no need to worry about the amount please send the bills urgently by courier and also a soft copy so that my accounts people pass the nessary entry and it becomes very easy to understand for them also that what amount is payable than it becomes very quick i hope you understand
Sent at 1:26 PM on Sunday
me: Bills will be sent through e-mail. Schedule is not linked with the bills but the work done. Anyway in future, we will not allow to pile up.
Ahemdabad-Anil: also please send the bill and receipts for conference charges as that amount also is showing as advance
also please send the receipt of all the other payments sent to you.
Sent at 1:28 PM on Sunday
me: That will be done. In future single transaction to be settled before proceeding to next.
Ahemdabad-Anil: yes that will be much better
me: Pl tell Yashwant that it is not good behaviour on his part to ignore my phones. I found that his phone was working as some times it was busy, even then he was not replying. He did not respond to my SMS also. Has he forgotten the conference. He must have seen behaviour of Senior persons like Mr. Malik towards me. If I give one ring to him, he replies immediately. He came to conference two days in advance and stayed two days thereafter. He is going to present my video arguments to Chief Justice of Supreme Court. Mr. Yashwant must send his apology through mail otherwise he should not seek our guidance in future.
Sent at 1:30 PM on Sunday
Ahemdabad-Anil: and i hope any work we discuss in future has to reach before time and not on last min. as their is procedural difference in the application and every thing has to rework according to procedure followed in Ahemdabad and also i and advocate also needs to understand the application to file other wise it becomes very difficult to rework the application and if some time there are two or three cases than the application cannot be filed in time.
reg - Mr. Yashwant - i think he was out of station any way i will speak to him
me: It is about not attending to phone and SMS
Sent at 1:34 PM on Sunday
Ahemdabad-Anil: he will not pick up the phone if he is in roaming he is more worried by the telephone bills may times i also tell him but
me: In future you also should not repeat this incidence of avoiding our phones, SMS and e-mails. Dubeyji is also feeling hurt. He devoted lot of time for ur urgent work and provided u lot of guidance and advice but u ignored his several phones. U should send an apology to Dubeyji through mail and ensure that in future, his communications are not ignored.
Sent at 1:35 PM on Sunday
Ahemdabad-Anil: their is no question of avoiding or not picking up the phone call and infect i had sent emai to Mr. dubey ji as soon as come to know about his call and had also informed why it was not possible for me to talk to him and i also had sent you the email about why i cannot speak. infact even know my mobile is under silent mode and i am not picking any phone calls as i just cannot speak.
me: This chat is being saved and will be send to Dubeyji and Yashwant. The above story will also appear in Weekly Mail without name of the persons
Sent at 1:38 PM on Sunday
Ahemdabad-Anil: infact as and when the phone call comes i immedtaly call back whether you or Mr. Dubey ji and never worry about telephone bill which you are very well aware and just yesterday i think is the first time that phone could not be anwered and the reason for that i had already informed you yesterday's mail to you and to Mr. Dubey ji, and i will also forward you the email sent to Mr. Dubey ji and to you also along with the time when i send you the mail. and it was very surprizing to note that you had given so many calls very well aware of the situation in fact all your email also are replied very promptly .
me: So Anil bye bye, wish u again a fast recovery and a very Happy Diwali
Ahemdabad-Anil: you pelease save this messages and put it on web site and also forward it to Mr. dubey ji and ask him how many times has he called.
bye bye and have a very happy deepawali
DRT Solutions Weekly Mail – 24th Issue dated 24th Oct. ’08
(1) Review and Appeal:-
(a) Consequent on our emphasis based on Legal Research in the matter of review, our Clients and Advocates have started using this important tool to improve the quality of litigation at the trial stage. One of our clients at Indore first filed Review in DRT, Jabalpur and subsequently before expiry of limitation, appeal was filed in DRAT, Allahabad. Since the services of the PO at Jabalpur has been terminated on account of corruption charges and new PO has not yet been posted, the Appeal in DRAT came up for hearing. Under such situation, we should have not allowed the Appeal to proceed till Review is decided. It is non of the fault of the citizen litigants that their right of Review can be overlooked just because a public servant Judge has not been posted.
(b) In another case of our Madurai clients, the PO Madurai has not passed a reasoned judgment on Review. He did not go through the written arguments and did not comment anything on the SC Citations. These points need to be raised by way of amendment in the Appeal already filed with DRAT Chennai.
(c) It has been informed by our clients that the POs are getting irritated and start misbehaving on such Reviews and Appeals. The Judges with such behavior are violating their statutory duties. We have asked our clients to put down their demeanor in writing with two witnesses and submit before the said judge to make it part of the records.
(d) The litigant borrowers and guarantors have no option to ensure that the trials in DRTs are conducted strictly by law and procedure of law. Any lapse will result in inherent weakness in the case which can not be corrected by the higher courts. One should not worry on the delay otherwise spoiled case due to hurry after all is going to result in defeat. The best course is to file counter-claim so that the delay does not affect due to increase in the interest even if there is delay.
(e) On the topic of the Review a copy of our mail sent to one of our client is reproduced below. We have given citations of important judgment as well as our comments on this important matter of Review. Every litigant borrower and guarantor must comprehend all these aspects so that there is no lapse on part of his Advocate.
(f) For further details on this matter, one should view the DVD No – D-013 of the Indore Conference.
(2) Empowerment of Clients:-
One of our recent clients from Chennai called on us. He spent time with us nearly for 18 hours on two days when we enlightened him with the essential concepts of Industry, Banking and Judicial process apart from laying down strategy for his case. His following mail is self explanatory:-
Our reply was as under:-
(3) Our Politicians need to learn from Iranian President:-
Mr. Firoz Poonawalla has been kind enough to send us wonderful mails. One of the most important one is reproduced below:-
An eye opener for us. Doesn't every thug of our ruling class deserve to be hanged!!
The Life of Iranian President Ahmedinejad
DRT Solutions Weekly Mail – 23rd Issue dated 17th Oct. ’08
(1) Chief Justice. Supreme Court of India informed about ‘Video Arguments’:- Following communication has been sent to the CJ, Supreme Court of India :-
Legal Forum of
Dear Hon’ble Chief Justice K.G. Balakrishnan,
Sub :- Application of Modern IT Technology in Indian Courts
We are pleased to inform
Model of ‘Video
appreciated by highly
The Introduction and
DVD. A practical
enclosed DVD. These
The above system is in
The above will greatly
give tremendous facilities
If you kindly spare at least
we shall call on you at your
whole system of the
(2) Chief Justice. MP High Court informed about ‘Video Arguments’:- A similar communication has also been made to the Chief Justice, MP High Court about the ‘Video Arguments’
(3) Web Site of Legal Forum of India:- A web site of 'Legal Forum of India' is nearly ready and will be launched shortly. The URL is www.legalforum.in
(4) Review & Appeal:-
The remedy of ‘Review’ has an ancient origin right from the ‘Court of Equity’ vide pg. 842 “Commentaries on The Laws of England’ by Sir Blackstone, 1877 (American Edition) 4TH Edition 1938. It was also incorporated in CPC 1859. Even in 1952, in Supreme Court of India, an appeal was filed wherein there were 92 grounds for Review.
Compared with 1952, in the present time, the judges are heavily loaded, matters are more complex, and there is huge shortage of time for everybody, huge pendency which is growing at much faster rate and hence there is pressure for quick disposal. All these factors naturally are causing much greater incidence of ingredients for Review in judicial orders. Thus the scope for Review has been greatly boosted.
The Indian Advocates and Judges have not been paying adequate attention to Review. When we analyzed all the above factors and did lot of research on ‘Review’, even highly experienced advocates and judges agreed with our conclusions. This matter has been covered in much detail in DVD No 013 of the Indore Conference.
As per the provisions of CPC 1908, if Review has been filed and if it has not been decided and appeal is also filed to avoid bar of limitation; as per the provisions of law, until and unless Review is decided, the adjudication on appeal has to wait. This has also been confirmed by the Supreme Court.
The above becomes relevant in case of one of our clients of Indore.
(5) Winding up of the Company will be illegal if there is no debt due :-
In case of one of our clients of Ludhiana, when the claim of the bank and counter-claim of the borrower, both, are under adjudication and when prima facie, the counter-claim is much more than the claim of the bank i.e. there is no debt due, the winding up of the Company , if ordered, is liable to be set aside.
(6) Important Precautions in Computers:-
The use of IT Technology and computers among legal community is going up day by day. Hence in some of the weekly mails, we shall be including important aspects of IT Technology.
If you are regularly using a desktop or a laptop, you must carry out defragmentation from time to time. This will enhance the speed of operation.Virus scanning must be carried out regularly. One must have a good and uptodate anti-virus software.
Drt Solutions Weekly Mail – 22nd Issue dated 10th Oct. ’08
(1) Useful Order of DRT Ranchi:-
In respect of our Ranchi client, the PO DRT Ranchi on 29.09.08 has issued an important order which will be very useful to all the defendant litigants in DRTs. The OA was filed by the bank on 21.07.06 and the WS was filed on 14.03.07 on which date the bank had filed their proof affidavit. The defendants were given chance to file counter-affidavit which was also filed belatedly on 30.08.07. Even after this date, at our instance, the counter-claim was filed on 04.03.08 i.e. after about a year of filing WS. The bank in its preliminary objection claimed that the defendants have no justification of filing counter-claim at this belated stage which is, as per the submission of the bank, was not maintainable and barred by law of limitation. We provided necessary inputs including Supreme Court judgment according to which the counter-claim could be filed even after filing the WS.
The PO DRT after going through the records stated that prima-facie there is some existence of discrepancy which has occurred at the time of advancing the credit facilities by the bank to the borrower and which warrants an adjudication in detail in the matter. As such, the preliminary objection filed by the bank on maintainability of the counter-claim does not stand. As such the preliminary objection filed by the bank fails and the said preliminary objection is rejected. The bank was asked to file WS in the counter-claim case on the ensuing date of hearing.
In view of such verdict, since the counter-claim is much bigger than the claim of the bank, no recovery action could be initiated till the counter-claim is fully decided. This is yet another case which fully supported our approach since 2001 that counter-claim can be filed at any stage. Several of our clients have been greatly benefited when on account of the said counter-claim when the bank was forced to settle even below 5% of the alleged claim amount.
(2) Criminal Notice to AGM of the Bank:-
In case of one of our Mumbai clients, the AGM of the bank was troubling the party on all possible ways. Hence the party approached us for suitable remedial measure. We drafted a strong criminal notice and the same was sent to the said AGM and the bank on 28.08.08. The said AGM who was troubling on all fronts could not give any reply even after a month. A simple letter was received from the branch saying that they are referring the matter to their Head Office. The entire bank has been shaken by such criminal action.
(3) ‘Video Arguments’ appreciated by Judges and Advocates:-
We received reports from various places about appreciation of the ‘Video Arguments’ prepared by us. We recorded video interviews with the following persons. They all appreciated the method of the said ‘Video Arguments’ and desired immediate implementation:-
(1) Mr. P.D. Muley, ex-MP High Court Judge – retired in 1988 and at age of 83, he is quite hale and hearty – takes part in social activities – he appreciated the ‘Video Arguments’ and expressed that it will be highly useful to Judges, Advocates and the Litigants.
(2) Mr. N.K. Goel, Retired Judge of District Court – in his interview of 9.6.07, he was the first person who was shown the new development when he appreciated its various aspects.
(3) Mr. B.C. Jain, Senior Advocate, High Court, Bench at Indore – Gold Medal in LLB and Gold Medal in LLM – vast knowledge of law – he not only appreciated but desired implementation without loss of time.
(4) Mr. B.S. Dangi – Advocate and author of 7 books in various subjects of law. – he termed the ‘Video Arguments’ as revolution in Indian Judiciary.
(5) Mr. Rajendra Goyal, well known CA in Indore, ex-director in State Bank of Indore for more than 5 years, at present President of Tax Practitioners’ Association of Indore – he profusely congratulated and expressed as to when the Judges are using the modern technology in entertainment, car, mobile etc. then why not in the Court Room. He made an important suggestion of incorporating an Index at the beginning of the said ‘Video Arguments’
After the above ‘Video Interviews’, we have prepared a separate DVD containing the above ‘Video Interviews’ along with an Introduction by ourselves.
(4) ‘Video Arguments’ being sent to the Chief Justice of Supreme Court of India:-
The Legal Forum of India will be sending the two DVDs viz one containing the ‘Video Arguments’ and another containing the ‘Video Interviews’ to the Chief Justice, Supreme Court of India.
(5) Two DVDs containing ‘Video Arguments’ the Opinions of Experts available to interested persons:-
The above mentioned DVDs will be sent to the interested persons who send their specific requests giving their current postal address and phone nos.
Drt Solutions Weekly Mail – 21th Issue dated 3rd Oct. ’08
(1) ‘Video Arguments’ appreciated by our client:-
Our first commercial assignment of ‘Video Arguments’ has been highly appreciated by the client vide copy of his mail reproduced below:-
(2) ‘Video Arguments’ appreciated by Justice P.D. Muley, an Eminent MP High Court Judge:-
Justice P.D. Muley who retired in 1988 from MP High Court and now of 83 years of age still quite active for social development in general and particularly for Indore city was highly pleased to view the ‘Video Arguments’ prepared by us. In a video interview he appreciated the same and desired to help in spreading among judges and advocates as it will save time, cost and burden apart from improving the quality of justice delivery system.
(3) SC Judgments on Review:-
Since 1984 till date the Supreme Court has delivered 66 judgments on ‘Review’ Majority of these judgments indicate that the cases have not been prepared properly. Perhaps due to ignorance of the clients, the Reviews have been filed by the advocates. That is why we are insisting for empowerment of the clients so that such situations are avoided.
(4) Viewing and Feedback of the DVDs:-
Some of the recipients of the DVDs have sent valuable comments but some have not yet communicated their feedback. We are keen to compile such comments and publish the same for the benefit of all the recipients of our weekly mails.
(5) Filing of OA by the Bank in DRT other than that where the proceedings under Securitisation Act are going on :-
We have come across few cases where the banks intentionally are filing OA in DRT other than that where the proceedings under Securitisation Act are going on. There are several Supreme Court rulings law down the law that all the proceedings of the same matter must be held at one place only. The also serves to avoid conflicting decisions. In fact one of our clients at Chennai before coming to us suffered a lot due to a conflicting decisions in two DRTs.
(6) Dismissal of OA due to wrong presentation of accounts and mistakes therein:-
The DRTs are supposed to examine the OA before registering the same whether the documents are in accordance with law. In almost all the cases we have found that the DRTs are not fulfilling this duty. Hence in several cases, we have filed application for dismissal of OA and the bankers find it extremely difficult to reply. Hence there should not be any hurry to file WS as well as the counter-claim till the said application for dismissal of OA is finally decided.
(7) SC laid down the Conduct & Qualities of a Judge in 1992 i.e. 16 years back:-
The Supreme Court of India has laid down the Conduct & Qualities of a Judge vide citation (1992) 1 Supreme Court Cases 119, All India Judges’ Association vs Union of India in Para 61 reproduced below:-
“ 61. The conduct of every judicial officer should be above reproach. He should be conscientious, studious, thorough, courteous, patient, punctual, just, impartial, fearless of public clamour, regardless of public praise and indifferent to private, political or partisan influence; he should administer justice according to law, and deal with his appointment as a public trust; he should not allow other affairs or his private interests to interfere with the prompt and proper performance of his judicial duties, nor should he administer the office for the purpose of advancing his personal ambitions or increasing his popularity.”
Our Comments:- Our constitution is one of the best in the world, we should have the world class judges and world class advocates. Since at present, it is not so, the litigants will have to make extra efforts to achieve world class standards in their defence.
DRT Legal Solutions
Attorneys at Law of Torts, Injury and IPR Claims
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Popularity of our web site :- The key word for search of our website is 'drt' or any phrase commencing with 'drt' We are on the top in Google Search for 'drt' among 28,60,000 results globally. In most of the search engines like yahoo, msn, google, excite, altavista, mamma, alexa etc., To verify, you may visit www.yahoo.com, www.msn.com, www.rediff.com, www.indiatimes.com, www.altavista.com, www.google.com, www.excite.com, www.hotbot.com, www.123india.com, www.aol.com, etc. Our reference appears in www.economictimes.com, www.amazon.com, www.financialexpress.com, www.lawcrawler.com, www.findlaw.com, www.law.com, www.supremecourtofindia.com, www.supremecourtonline.com,
(2) We have created a separate web site www.usindolegal.com which deals exclusively with our US joint venture enterprise for activities like BPO, legal BPO, DRT etc. This site has started appearing in the search results of Google, Mamma, Alexa and Yahoo.
Application of Law of Torts in claiming Damages from Municipal Corporations for demolition of structures, closure of shops etc:- In many parts of the country, the Municipal Corporations are demolishing structures like shops and houses which existed for number of years. The shops existing for number of years are proposed to be shut down. The affected persons should claim Damages under the Law of Torts, which would be substantial. It is learnt that in Delhi itself about 5 lac shops are to be closed down and about 25 lac persons would be out of jobs. All these persons should file damage suits in the civil court. Since the damages would be substantial, the suits may be filed as Indigent Persons. Since the damages would attract interest, the usual delay by the civil courts will not affect the final outcome. The affected shop owners may discuss the details with us on phone.
Our Articles for Borrowers and Guarantors:- Our articles on DRT matters have been published in the Financial Express. The All India Manufacturers Organisation in its famous web site www.aimoindia.org has reproduced copies of our four articles. These original articles can be searched in the archive of the Financial Express in its web site www.financialexpress.com Two of these articles have been reproduced in other pages of this web site.
Useful link www.WorldVideoBusiness.com :- WorldVideoBusiness-WVB® is a business to business e-marketplace source of international trade leads, and tender opportunities from companies and government organizations around the globe.
About Us in Brief :- (1) We specialize in DRT (Debt Recovery Tribunal) and NCLT (National Company Law Tribunal) matters. As a whole you may approach us for all DRT Problems and Solutions as well as matters connected with ARCIL i.e. Asset Reconstruction Company (India) Limited, We have a Joint Venture with an America based law firm for various activities like BPO, legal BPO and DRT. The details of the said American firm and the joint venture may be seen at the page - Our US Joint Venture with Anand Ahuja Associates or in www.usindolegal.com (2) For your all problems including those in DRT, please phone us or send e-mail. Please give your contact details along with your problems in brief. As a whole you may approach us for all DRT Problems and Solutions. (2) With our Legal Opinion, you need not worry about the Securitisation Act or other DRT matters or NCLT. Please visit the page Products & Services and Frequently Asked Questions (3) On account of our expertise in the Law of Torts and Banking and experience past 15 years, we can help you to submit suitable defence with winning strategy in DRT cases, Securitisation Act, Guarantors' defence etc. (4) We need only copies of all available documents to render our expert 'Legal Opinion' which will be quite useful and valuable to you particularly in DRT i.e. Debt recovery Tribunal. (5) We have also handled assignments for preparation of damage claims against Electricity Boards, Insurance Companies, Municipal Corporations etc. all on the basis of the Law of Torts. (6) The DRT counterclaims is to be prepared well in advance so that it could be raised at proper time in DRT or other forum to safeguard the securities and assets. (7) Several DRT counterclaims drafted by us are being handled by different advocates at DRT Mumbai, DRT Delhi, DRT Jabalpur etc. Thus DRT advocates are available in these cities. Cases in other Debt Recovery Tribunals are under process. (8) This site is updated monthly mostly on every first Monday of the month or for urgent release on any day with latest material. (9) For further details about us, please visit the page About Us-DRT Solutions As a whole you may approach us for all DRT Problems and Solutions. We hail from the place to which Maharishi Mahesh Yogi and Acharya Rajnish belong and hence this site is dedicated to them.
Our this web site is dedicated to Yoga Rishi Baba Ramdev Ji Maharaj:- Our this web site is respectfully dedicated to Yoga Rishi Baba Ramdev Ji Maharaj whose method of Pranayam has cured even incurable diseases and thus has revolutionized modern medical science. For further details please visit our special page by clicking here Baba Ramdev Ji Maharaj, Yoga Guru, Cure for All Diseases, Medical Science Revolution
Site also dedicated to:- (1) Swami Ramdevji, Acharya Balkishan and their Guru Pradumn Maharaj.
We regularly practice TM and SCI of Maharishi Mahesh Yogi. We also regularly practice Hath Yoga including Pranayam based on Baba Ramdev Ji Maharaj. We daily watch his global TV program on Astha Channel from 05:30 AM to 8AM and 8PM to 9PM Indian Standards Time. On Sanskar channel, we daily view the discourse of Pradumn Maharaj from 4 AM to 5:30 AM. Many chronic diseases such as Cancer, Parkinsons' disease, Polio, Asthma, Hypertension, diabetes etc. have been cured by the said method of Pranayam which can be learnt even by watching his program on TV. Since 30th March '06, we have started practicing Sun Gazing as prescribed by HRM.
(3) Shri Satyanarayan Morya alias 'Babaji' for his praiseworthy service to our nation. Please visit his site www.artistbaba.com
Disclaimer:- We have no branch or setup other than at Indore. It is observed that some persons are using name of our firm as well as name of our web site. We have not given any such authority to anyone to do so. Under such facts and circumstances, if anybody suffers any loss, we shall not be responsible. If such instance comes to notice of someone, we may kindly be informed.
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