DRT  Legal  Solutions

(Debts Recovery Tribunal Legal Solutions) is an India based

Law Firm specializing in DRT, Securitisation, Sarfaesi, IBC, 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 - +91-9691103689, Off. & Res. +91-731-4049358

E-mail :- ramkishandrt@gmail.com  Web Site :- www.drtsolutions.com

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Expert in:- DRT, Counterclaim, securitization, debt recovery tribunal, NCLT  matters




DRT Solutions Weekly Mail – 150th Issue dated 25th March ’11

All Weekly mails right from 1st Issue to latest, click links above

(1) Before declaring NPAs, Bankers have numerous duties to perform including rehabilitation not only once but multiple times – Important Information for Borrowers and their advocates 

Mr. Radhakrishnan, our Associate and Banking Expert has drawn attention to the following important RBI Guidelines and circulars which will be highly useful to Borrowers and their Advocates. These need to be studied and important aspects included in the ‘Representation and Objections’ to notice u/s 13 of the Securitisation Act as well as in the application u/s 17 of the said Act:-

(a)     Even before the prudential norms to declare accounts as NPA was brought by RBI to be implemented from 31st March 2004, RBI issued a circular DBS.CO.OSMOS/B.C./ 4/ 33.04.006 / 2002-2003 dated September 12, 2002 on “Guidelines on preventing slippage of NPA accounts” based on a study on preventing slippage of NPA accounts, addressed to The chairman/ Managing Director/Chief Executive Officer – All Commercial Banks (Excluding RRBs) which means it is applicable to all commercial banks irrespective of whether they are Indian banks or foreign banks or multi state co-operative banks. Since the circular cited now is issued previous to the circular issued for declaration of NPA, the guidelines as prescribed in the aforesaid circular has to be implemented first before declaring an account as NPA

(b)     RBI Master circular DBOD No.BP.BC.10/21.04.048/ 2004-05 dated July 17, 2004 where in prudential norms are given. As per the said circular of RBI, mere irregularity in the account cannot make it a Non Performing Asset. It depends upon the nature of irregularity.

(c)     RBI circularRPCD.PLNFS.BC.No.31/06.02.31/2005-2006 dated August 19, 2005 highlights the “Policy Package for Stepping up Credit to Small and Medium Enterprises. - Further RBI circular RPCD.SME & NFS.BC.No.9/06.02.31/ 2010-11 dated July 1, 2010 under lending to Micro, Small & Medium Enterprises (MSME) Sector among other things states about  Debt Restructuring Mechanism for Micro Small and Medium Enterprises.

(d)     That as per Government of India policy and RBI guidelines and directives, it is apparent that an account can be classified as NPA only when all the means of making the account performing which includes repeated rehabilitation fail to produce the desired result and then and then only the legal proceedings under Securitization Act 2002 can be invoked and proceedings initiated by issuing the notice u/s 13(2) of the said Act.

(2) Useful SC judgment – ‘Kanaiyalal Lalchand Sachdev vs State of Maharashtra’ decided on 07.02.11   

The highlights of above ruling are as under:-

(a)    Actions taken by the secured creditor u/s 13(4) (e.g.  notice of possession) are open to scrutiny u/s 17. Such actions can not only be set aside but even status quo ante can be restored by the DRTs.

(b)    Action u/s 14 constitutes an action taken after stage of section 13(4) and same would fall within the ambit of of sec. 17 of the Act.

(c)    Before filing any writ under Art 226 of the Constitution, the following should be considered whether:-

(i)                  adjudication of writ petition involves any complex and disputed questions of facts and whether they can be satisfactorily resolved;

(ii)                the petition reveals all material facts;

(iii)              The petitioner has any alternative or effective remedy for the resolution of the dispute;

(iv)              person invoking jurisdiction is guilty of unexplained delay and laches;

(v)                ex facie barred by any laws of limitation;

(vi)              grant of relief is against public policy or barred by any valid law; and host of other factors.

Our Comments   

We have been all along voicing our guidance and advice on the above lines and the same are reiterated as under:-

(a)    In some cases, the bankers are jumping to initiate action u/s 14. Hence we have been advising for filing caveat before the CMM or DM to extend an opportunity for hearing. We can also file an application u/s 17 to grant stay against the possible order by the said Magistrate.

(b)    In those case were an application u/s 17 is pending before DRT and the banks proceed with filing an application u/s 14, an stay application may be moved before the DRT.

(c)    We have been advising for including loss and damages in the application u/s 17 and in almost all the cases, since the said loss and damages are much more than the claim of the bank, there is ‘No Debt’ due. Hence no recovery action can be implemented till the said application u/s 17 if finally and fully decided with due process of law.

(d)    The inclusion of the said loss and damages will prevent any objection by the bank under O-2 R-2 later on. Further any objection to transfer the said loss and damages to civil court not disturb the state of ‘No Debt’ due till the civil court finally decides the same.

(e)    Since as per Mardia Chemicals, the said application u/s 17 is akin to a civil suit, it has to be tried as such with complete adjudication e.g. discovery of documents, oral evidence etc.

(f)      The outcome of all above will be time taken similar or more than that in civil court earlier to formation of DRTs. This is so as the ultimate goal of justice will involve time more so when there are already more than 3 crores cases pending and the clearance of pendency will require 320 years. The only solution is more law abiding nature of the bank bureaucracy, better management and technology in DRTs etc.

(g)    In case at any stage, filing of writ petition is contemplated, all the points mentioned in the above judgment be examined before filing of the said petition. In fact there will be rare occasion when the High Court should be approached. 


(3) Warren Buffet - An Amazing man   

Mr. Warren Buffet, the third richest person of the world, is in India on his first visit.  Mr. Buffet has himself not only donated 31 billion dollars to charity but encouraged several others to make such donations. He has a very simple life and lives in a 3 bed room house which he purchased 50 years back just after his marriage. His house does not have a wall or a fence. He drives his own car and does not have a driver or security persons. He says – that money does not create a man but it is the man who created money, live your life as simply as possible, don’t waste your money in unnecessary things. At age of 80 he is as active as a young person.

(4) Key to Longavity is Regular Physical Work or Exercises involving such work   

The following news items reveal that one can have long healthy life and the key is regular physical work:-

(a)    ‘Nai Duniya’ Indore dated 06.03.11 pg 10 - During census in Ujjain, a lady was found hale and hearty at age of 122. She has seen 5 generations. Her teeth has grown again.

(b)    ‘Dabang Duniya’ Indore dated 15.02.11 – Kesar Bai at the age of 109 years works hard whole day and does not feel tired. She says that people should work hard which will make the body and mind healthy resulting into longevity.

(c)    ‘Patrika’ Indore dated 12.10.10 – Shri Prem Kant Dhyani age 104 years carrying 20 kgs suitcase was on the platform of Indore station for getting reservation. Daily he walks 16 kms.

(d)    Dainik Bhaskar’ Indore dated 06.02.11 – At age of 101, this Doctor is active – Dr. Watson of Aagasta city in USA still checks patients daily. He is known as ‘Papa Doctor’ as he has conducted nearly 18,000 deliveries spanning 3 generations in the said city.

(e)    We can watch a railway coolie in action. He takes good physical work out of his body and that is why the body is so strong and healthy. On the other hand we are virtually sitting or lying down all the time without any physical work and that is the reason most of the people even the doctors are weak and sick which in turn has brought down the age. When illiterate persons can easily live beyond 100 as in above example, why we can not and the key is regular physical work.

(f)      Recently we have recorded a video in which Swami Ramdevji stated that he will live upto 150 to 200 years. His analysis is that when all the parameters in body are controlled and kept healthy by Pranayam, excercises and hard work from morning 3 AM to 10 PM and the food consists of fruits, vegetables and milk without any grains; there is no reason that he will fall sick and hence expect to live upto 150 to 200 years.


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DRT Solutions Weekly Mail – 149th Issue dated 18th March ’11


(1) DVDs of the 2nd All India DRT Conference held on 8th and 9th Jan ’11 are ready for dispatch – these DVDs contain goldmine of useful information to borrowers, guarantors and their advocates 

We are pleased to inform that 5 DVDs and 1 CD of the said Conference are now ready and will be dispatched within a week free of costs to those who attended the Conference and those who paid the Conference fee.

The above set of DVDs will also be available to those interested persons (who did not attend the Conference) at a price of Rs. 1000=00.

These  5 DVDs are complete video record of the whole conference and are gold mine of the current information on:-

(a)    Securitisation Act, important questions and answers, practical aspects of stay and trial in DRTs,

(b)    Important court judgments and their applications,

(c)    Court  procedures and critical applications,

(d)    Bank documents and their inspection,

(e)    Legal maxims and their applications,

(f)      Important provisions of Constitution and PILs,

(g)    Present state of Indian Judiciary, problems and solutions,

(h)    Application of modern management and  technology etc.

We have provided in one CD complete audio record of the whole conference so that one can listen the same on i-pod. As a whole these DVDs and the CD provide the most latest and useful knowledge to the borrowers and guarantors as well as their advocates.

(2) SC says - Every Procedure is permitted to the Court for doing Justice unless expressly prohibited  

The following reference of very useful SC judgment has been provided to us by Mr. N.K. Sharma, our associate and ex-GM (Law) :-

“Recently, hon’ble Supreme Court in RAJENDRA PRASAD GUPTA V. PRAKASH CHANDRA ver MISHRA & ORS.{(2011) 2 SCC 705; Civil Appeal No(s). 984 of 2006-Decided on 12-01-2011} has held as follows (in para 2).  

“the Code of Civil Procedure gives inherent powers to the court to do justice. That provision has to be interpreted to mean that every procedure is permitted to the court for doing justice unless expressly prohibited, and not that every procedure is prohibited unless expressly permitted. “

(3) Recording Court Proceedings favoured by the Judge  

The following further useful information has been provided by Mr. N.K. Sharma, our associate and ex-GM (Law) on this important topic:-


A Delhi high court judge has strongly backed “authenticated audio-video recording” of court proceedings.
A day before his retirement, Justice S N Dhingra, while deciding a petition seeking permission to record court proceedings on Monday, observed that this will “help in smooth functioning of district courts” and also discipline not only judges who don’t come to court but also advocates and litigants who try to obtain orders by show of force or threats to the court”. 
At present, any attempt to record court proceedings is tantamount to contempt of court and attracts punishment. HC was hearing a plea by one Deepak Khosla through his lawyer K V Dhananjai seeking permission to record proceedings in cases where he is a party. Justice Dhingra referred the matter to a larger HC bench, saying the matter concerned not just one court but all Delhi courts and therefore ought to be considered by a larger bench.
The judge said recording would help in cases in appeal stage where one party claims certain incident never happened in trial court stage. He warned any audio-video recording ought to be properly “authenticated” because “technology of fabricating recordings is advanced” and pointed to the inherent danger the recording, if done by a dishonest litigant/lawyer, poses to the courts. “Therefore any recording sought to be used for judicial review before any forum, etc, can’t be permitted by the court unless there is a set procedure for authentication for the recording and a copy of the recording is preserved in court for comparison,” the judge said.
Source:- The Times of India 2nd March 2011 Page 3 Delhi

(4) Secret of Love – a Message from Swami Vivekananda  

Mr. Firoz Poonawall has sent the following valuable piece which is self explanatory:-

I once had a friend who grew to be very close to me. 

Once when we were sitting at the edge of a swimming pool, she filled the palm of her hand with some water and held it before me, and said this:
'You see this water carefully contained in my hand? It symbolizes Love.'

This was how I saw it:
As long as you keep your hand caringly open and allow it to remain so, it will always be there. However, if you attempt to close your fingers round it and try to posses it, it will spill through the first cracks it finds.
This is the greatest mistake that people do when they meet love...
They try to posses it, they demand, they expect... and just like the water spilling out of your hand, love will retrieve from you.For love is meant to be free, you cannot change its nature. If there are people you love, allow them to be free beings.
Give and don't expect.
Advise, but don't order.
Ask, but never demand.
It might sound simple, but it is a lesson that may take a lifetime to truly practice. It is the secret to true love. To truly practice it, you must sincerely feel no expectations from those who you love, and yet an unconditional caring.
- Swami Vivekananda

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DRT Solutions Weekly Mail – 148th Issue dated 11th March ’11


(1) Judgments useful / favorable to Borrowers   

The Litigants are requested to study the various digests in the libraries as well at the internet and whenever any judgement is found useful / favourable to the Borrowers, a brief reference as in the following cases may be mailed to us. The same will be published in the weekly mails. We shall also open a separate web page which will contain at one place all the information contained in the weekly mails.

One can get full text of these judgments from libraries, digests, internet etc. by searching the names of the High Court, date of the judgments and names of the parties. Whosoever finds the judgments may inform us the reference so that the same is incorporated in the said web page. The multiple references will help others.

(2) Recovery Agents and Enforcement Agents  - these required to know not only basic principles of law but must be familiar with those governing possession and sale of immovable assets  

A comprehensive analysis on the above has been given by the Andhra Pradesh High Court (DB) in the matter of Badugu Vijayalakshmi vs State Bank of India decided on 31.12.09 vide citation 2011 (1) Bankers’ Journal 192. Court disallowed the agent’s claim of Rs. 1,90,000/- being exorbitant and permitted only Rs. 15,000/-

(3) Auction Sale under Securitisation Act – deliberate violations by design and fraud by bank – no protection or immunity could be available to the auction purchaser  

In the matter of Sheeba Philominal Merline vs Repatriates Co-op. Finance and Development Bank, the Madras High Court (DB) vide citation 2011(1) Bankers’ Journal 220 decided on 10.08.10, it was held that due to fraud, the rights accrued to the auction purchaser can not be sustained. The said purchaser directed to hand over the possession of the property to the petitioners. Entire proceedings initiated by the bank in favour of the auction purchaser held vitiated and hence set aside. Exemplary costs of Rs. 50,000/- payable by the bank awarded to the petitioners.

(4) Secured creditor can not invoke Sec 14 of the Act in all cases as such power may result in drastic consequences on borrower  

In the matter of V. Noble Kumar vs Standard Chartered Bank, the Madras High Court (DB) vide citation 2011(1) Bankers’ Journal 178 decided on 27.07.10, declared that the proceedings mounted to arbitrary exercise of powers under Sec 14 and therefore the order of the CJM was set aside.

(5) Mass Movement to get back Our Money lying in Foreign Banks   

Mr. Rajesh Jain, one of our clients from Ludhiana has sent the following message which is self explanatory:-

PLEASE Forward this message to all................................YOUR

CONTACTS & lets make it a 'MASS MOVEMENT'

Latest update after Swiss Bank has agreed to disclose the funds&.


Our Indians' Money - 70, 00,000 Crores Rupees In Swiss Bank


1) Yes, 70 lakhs crores rupees of India are lying in Switzerland banks. This is the highest amount lying outside any country, from amongst 180 countries of the world, as if India is the champion of Black Money.


2) Swiss Government has officially written to Indian Government that they are willing to inform the details of holders of 70 lakh crore rupees in their Banks, if Indian Government officially asks them.


3) On 22-5-08, this news has already been published in The Times of India and other Newspapers based on Swiss Government's official letter to Indian Government & YET OUR GREAT/MOST LEARNED/EDUCATED Prime Minister is not doing anything! .


4) But the Indian Government has not sent any official enquiry to Switzerland for details of money which has been sent outside India between 1947 to 2008.. The opposition party (NO WONDERs) is also equally not interested in doing so because most of the amount is owned by politicians and it is every Indian's money.


5) This money belongs to our country. From these funds we can repay 13 times of our country's foreign debt. The interest alone can take care of the Center s yearly budget. People need not pay any taxes and we can pay Rs. 1 lakh to each of 45 crore poor families.


6) Let us imagine, if Swiss Bank is holding Rs. 70 lakh Crores, then how much money is lying in other 69 Banks? How much they have deprived the Indian people? Just think, if the Account holder dies, the bank becomes the owner of the funds in his account.


7) Are these people totally ignorant about the philosophy of Karma?

What will this ill-gotten wealth do to them and their families when they own/use such money, generated out of corruption and exploitation?


8) Indian people have read and have known about these facts. But the helpless people have neither time nor inclination to do anything in the matter. This is like "a new freedom struggle" and we will have to fight this.


9) This money is the result of our sweat and blood.. The wealth generated and earned after putting in lots of mental and physical efforts by Indian people must be brought back to our country.


10) As a service to our motherland and your contribution to this struggle,please circulate at least 10 copies of this note amongst your friends and relatives and convert it into a mass movement.A 3 line law can reduce Poverty and Corruption in Police in 3 months !!

मात्र तीन लाइन का क़ानून गरीबी- भ्रष्टाचार कम कर सकता है!!


Citizens`voice/जनता की आवाज़


डाउनलोड करें-

www.righttorecall.info/001.h.pdf (संक्षिप्त) www.righttorecall.info/301.pdf (विस्तारित)


Free download -

www.righttorecall.info/001.pdf (concise) www.righttorecall.info/301.pdf (detailed)


contact/संपर्क - www.forum.truthsofindia.com for discussion


RTR and Citizens Voice is supported by BST and Rajiv Dixit ji.kmoksha


(6) How to Embrace Imperfection without really Compromising with Quality of Life   


Mr. Firoz Poonawalla has sent the following beautiful story:-

     "When I was a little girl, my Mom liked to make food for dinner every, now and then. And I remember one night in particular when she had made breakfast after a long, hard day at work. On that evening so long ago, my mom placed a plate of eggs, pancakes, and extremely burnt toast in front of my Dad. I remember waiting to see if anyone noticed! Yet all my Dad did was reach for his toast, smile at my Mom, and ask me how my day was at school! I don't remember what I told him that night, but I do remember watching him smear butter and jelly on that toast and eat every bite! 

When I got up from the table that evening, I remember hearing my mom apologize to my Dad for burning the toast. And I will never forget what he said: ‘Honey, I love burnt toast.' 

Later that night I went to kiss Daddy good night and I asked him if he really liked his toast burnt. He wrapped me in his arms and said. 'Debbie, your Momma put in a hard day at work today- and she is really tired. And besides a little burnt toast never hurt anyone! You know, life is full of imperfect things… and imperfect people. I am not the best housekeeper or cook. 

What I've learned over the years is that learning to accept each other's faults -- and choosing to celebrate each other's differences -- is the one of the most important keys to creating a healthy, growing, and lasting relationship. 

And that’s my prayer today. That you will learn to take the good, the bad, and the ugly parts of your life, and lay them at the feet of GOD. Because in the end, He's the only One who will be able to give you a relationship, where burnt toast isn’t a deal-breaker! We could extend this to any, relationship in fact - as understanding is the base of any relationship, be it a husband-wife or parent-child or friendship. 

Don't put the key to your happiness in someone else's pocket but into your own. 

This is such a wonderful lesson for us all. We can extend this theory not only with our families but with all the people in our lives. It reminds us of how we sometimes tend to take so many things for granted, losing sight of the bigger picture. The small, insignificant things can rake precedence, and as the author above say’s, can become deal-breakers. 

I remember visiting a friends place when I was much younger. I used to go for Saturday lunches to her home very often, after which we would spend the day together. I especially remember the food in her house used to be very delicious and they had an excellent cook. One time when I was there for lunch, her father got very angry with the cook, he said, `What have you made today, I cannot believe you cooked this, it is not good at all!" Their cook apologized and left the room with his head down.

We are so quick to dismiss! In this case their cook always laid out a delicious spread, which everyone enjoyed. On this one particular day perhaps his food wasn't the best, and this was not acceptable. 

I'm grateful to my friend for sharing this story because it emphasized the importance of `understanding' in all our relationships. If one comes from a place of understanding and a spirit of love then life is (almost always) beautiful'.

Our Weekly Mails and DVDs are DRT Legal Guide and gold mine of practical information for the borrowers and guarantors - The mail recipient particularly Borrowers and Guarantors will be immensely benefited by our weekly mails and DVDs, all previous issues of weekly mails from 1st one till the last one may be viewed by clicking the links given at the top. Separate web pages have been created to contain these mails in batches of 10 so that pages open up fast. These mails are gold mine of information on current topics giving lot of practical suggestions and ill comments. Any new recipient to these mails must go through all the weekly mails right from the issue no 1 to the latest. If possible please spread the reference of our web site and the weekly mail among the persons, borrowers and guarantors who are the bank victims. If anyone desires to get these mails regularly, he may write to us for inclusion of his e-mail ID in the regular mailing list. The weekly mail is issued on every Friday morning 9 AM. The particular issue of the weekly mail is first published on the web site and then mailed to borrowers, guarantors and their advocates in the country. We are getting huge no of mails appreciating our weekly mails.  We welcome suggestions.

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DRT Solutions Weekly Mail – 147th Issue dated 4th March ’11

(1) Links for all Weekly Mails given on every page of our web site www.drtsolutions.com  

Our weekly mails have become quite popular and all the weekly mails including the old ones are being read by the visitors. There have been  complains about variety of errors in the links. To obviate such problems, we have placed all the links on each page of the web site. Whenever one desires to visit the old weekly mail, he just should go to the top of the page where he is or any page of the web site, he may click the links there for the particular group of the weekly mails.  

Despite above, if there is any further problem, please inform to us for remedial measures. 

(2) Judgments Useful / Favorable to Borrowers  

During past 6 months or so, there has been spate of judgments from all courts in the country from DRTs, DRATs, High Courts and Supreme Court, which are useful and or favorable to Borrowers and Guarantors. Such judgments are published in various Digests and Journals. Hence we advise the Borrowers and Visitors of our web site for the following:-

(a)    Please go through the various publications such as Banking Digests and Journals which may be available with the Court Libraries, Advocates, Law Book Sellers as well as on Internet. Where ever such judgments are found, please make a summary and along with citation, mail to us. We shall publish the same in weekly mail as well as on a separate web page devoted for this purpose.

(b)    If any litigant in DRTs find such judgments in DRTs, the same may also be mailed to us as the DRT judgments are not published anywhere.

(c)    This item may please be spread among all concerned litigants as well as their advocates so that a very good resource for such judgments is created. It will be very much useful only to the existing litigants but for the future ones as they will get ready made reference.

(d)    As an example, Mr. B.K. Dubey, Advocate and our Associate has mailed us the following useful judgment of the Supreme Court:- 

2010 STPL(Web) 43 SC

[2010(1) SCALE 553 = 2010 AIR(SCW) 3966]



MARUTHI AND ORS.                                                                                    Appellant(s) 


STATE OF KARNATAKA                                                                          Respondent(s)

Criminal Appeal No.52 of 2010 (Arising out of SLP(Crl.) No.5197 of 2009)-Decided on 08-01-2010.

Practice and Procedure – Appeal - Facts and questions of law not properly appreciated 


1. Leave granted.

2. Appellant Nos.1 to 5 were tried for the commission of offences punishable under Sections 147, 148, 341, 504, 506, 324, 326 read with Section 149 of the Indian Penal Code (I.P.C.).

3. The Trial Court did not find the appellants guilty of the aforesaid offences and hence they were acquitted. The High Court, however, by the impugned judgment reversed the order of acquittal and convicted all the appellants for commission of offence punishable under Section 326 of the I.P.C. and sentenced them to undergo rigorous imprisonment for a period of three months and to pay a fine of Rs.5,000/- each and simple imprisonment for two months for default in payment of fine.

4. The appellants were also convicted for commission of offence punishable under Section 324 of the I.P.C. and sentenced to undergo rigorous imprisonment for a period of three months and to pay a fine of Rs.5,000/- each and simple imprisonment for two months for default in payment of fine. The sentences, however, were to run concurrently. The appellants have been given benefit of set off under Section 428 of Cr.P.C. by the High Court. PW-4 Balaji, who sustained injuries on his head and back, was directed to be paid compensation of Rs.25,000/-.

5. We have heard the learned counsel for the parties. Looking to the facts and circumstances of this case, we are clearly of the opinion that the High Court being the appellate Court in this case, has not properly appreciated the facts and questions of law involved in this case. The impugned judgment, therefore, cannot be sustained and is accordingly set aside.

6. The case is remitted to the High Court for deciding the criminal appeal afresh after hearing the parties.

7. The appellants have been released on bail granted by this Court and they shall continue to be on bail till the disposal of the criminal appeal by the High Court. This case relates to the incident which occurred in 1998. Therefore, we request the High Court to dispose of the criminal appeal as expeditiously as possible.

8. The appeal is disposed of accordingly. 

Head note: Duty of the Appellate court-to appreciate both the facts and the law before delivering the judgment/order-non compliance-remand for hearing afresh. 

(3) Delhi High Court Judge proposes Audio / Video Recording of  Court Proceedings  

Mr. N.K. Sharma, ex-GM (Law) and our Associate has sent us the following extract from the internet:- 



In a major push for infusion of more transparency in judicial proceedings, a judge of the Delhi high court has strongly pitched for audio/video recording of court proceedings. Surprisingly, the judge also said the step will be deterrent to judges who do not come to courts on time, as there will be evidence against this in the form of CDs and cassettes.


Justice SN Dhingra has requested the chief justice of the court to constitute a larger bench to consider the issue.


"It is high time we should consider introduction of authenticated audio/video recordings of the proceedings in all courts, more specifically in district courts and for proving contempt cases."


Justice Dhingra said, "This will discipline not only those judges who do not come to the courts on time but will also discipline advocates and litigants who try to obtain orders from the court by show of force…"


The judge was hearing a plea by a lawyer KV Dhananjay.


He said that such a step will ensure more transparency in the functioning of the judiciary.


He said this practise was prevalent in many foreign countries and there was no provision of law in India that bars audio recording of a hearing. 

Our Comments  

(a)    Past several years, we have been voicing the importance of true record of oral court proceedings by audio and video form as well as transcripting. This is being done in US courts e.g. transcripting since 1935 and audio recording since 1953 followed by video recording.

(b)    Written arguments is not the true record of what transpired during the oral arguments. In US word by word spoken by the Advocate as well as the questions asked by the Judge are recorded in the transcript, audio as well as the video recording. The said transcript and audio/video recording are available on the same day and also published on the internet.

(c)    With above news item our contentions have now been supported by the sitting judge of the Delhi High Court.

(d)    We shall continue our efforts to implement the above first in DRTs.

(e)    The above will result in better quality of adjudication, judgments and hence lesser reviews and appeals. Thus the cost of litigation will come down apart from reducing the overall time. It will also enhance the transparency with responsibility and accountability.  

(4) A Touching Farewell  

Mr. Sanjay Baweja, our one of the close friends has sent the following beautiful piece:-

This incident is not from a film but a true and real one.
It  is about a certain Mr Zavere Poonawala who is a well-known industrialist in Pune. He had this driver named Gangadatta with him for the last 30 years on his limousine, which was originally owned by Bhagwan Rajneesh which Mr Poonawala had bought from him.
Gangadatta passed away recently and at that time Mr Poonawala was in Mumbai for some important work. As soon as he heard the news he canceled all his meetings, requested the Driver's family to await him for the cremation and came back immediately by a helicopter.
On reaching Poona he asked the Limo to be decorated with flowers as he wished Gangadatta should be taken in the same car which he himself had driven since the beginning. When Gangadatta's family agreed to his wishes, he himself drove Gangadatta from his home upto the ghat on his last journey.
When asked Mr Poonawala was very sorrowful and replied that Gangadatta had served him day and night and he could at least do this being eternally grateful for him. 
He further added that Gangadatta rose up from poverty and educated both his children very well. His daughter is a Chartered Accountant and that is so commendable.
His comment in the end is the essence of a Successful life in all aspects:
"So many earn huge wealth, have good looks, are well connected, donate generously, visit temples frequently and are highly educated which is nothing unusual, but we should always remain Grateful to all those people who contribute for our success. This is the Sanskara we have been brought up with which made me do what I did".
Don't you think that it is s a Superb example of humility?
Someone has so rightly said :
Life is like a Sea.. We are moving about without end. Nothing remains with us.. 
What remains at the end is only memories of some beautiful people, who touched our lives as waves.

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DRT Solutions Weekly Mail – 146th Issue dated 25th February ’11


(1) Lack of Management & Technology in Indian Judicial System – Greatest Cause of Huge Pendency & Utterly Low Efficiency


We have prepared an Article on the above topic and the same is given at the end of this weekly issue. This also has been published on a separate page of our web site www.drtsolutions.com Your comments and suggestions are invited.

(2) Tardy Approach of Government towards Judicial Reforms

A news item contained in the link below is reproduced 

The Centre's approach to judicial reforms leaves a lot to be desired. Notwithstanding the plethora of promising ideas suggested in recent times, movement on removing judicial bottlenecks has been excruciatingly slow. Statistics recently released by the Supreme Court provide grim reading. 

The number of pending cases in high courts stands at a staggering 41,83,731. Subordinate courts fare worse: the backlog increased from 2.67 crore cases in March 2009 to 2.78 crore in June 2010. The trend is unlikely to reverse anytime soon. 

In this context, it is inexplicable why, despite disposing of over 60 lakh cases since 2001, India's 1,562 fast track courts now face an uncertain future. Union law minister Veerappa Moily has indicated the Centre's reluctance to continue funding them, the logic being that within three years all courts in the country would be on fast-track mode. 

But, given tardiness in correcting structural anomalies till now, there's little guarantee this deadline will be kept. Consider the issue of massive vacancies in the judiciary. As of October 2010, high courts had a shortfall of 287 judges. Subordinate courts recorded a deficit of 3,070 judges in June last. Both figures are rising. Yet little has been done. 

The net result is a pathetic judge-to-population ratio of 10.5 judges per million people - the lowest in the world. The law commission recommends the ratio be around 107. Pressed to address these problems, the law ministry's response has merely been to throw out more ideas. 

There's long been talk of setting up a national judicial service along the lines of the IAS to attract new talent to the judiciary. A national litigation policy has been announced that is supposed to see voluminous government litigation cut down by a third. Exclusive courts to dispose of commercial cases, revision of archaic laws, mobile courts in rural areas and the Judicial Standards and Accountability Bill have all been on the anvil for a while now. 

Blaming disruptions in Parliament for holding up the judiciary-related Bill is no excuse. Deficiencies such as vacancies mount because the authorities sit on appointments. Meanwhile, massive delay - running into decades in some cases - in dispensation of justice means the system largely works just for the privileged, since the less well-off find it hard to pursue protracted and costly litigation. 

Yet that a huge number of cases are filed each year bears testimony to the faith of people across the social board in the judiciary. Indeed, the courts being a vital pillar of democracy, the status quo cannot continue. We must speed up judicial processes, bring in institutional transparency while addressing the issue of corruption. Reform needs expediting, starting now.

(3) Best Walking Speed for Longer Life

Mr. Firoz Poonawalla has sent the following useful piece:- 
No doubt about it, walking is the most user-friendly form of exercise there is. But your everyday walking speed matters, too. Especially if you're trying to live a longer life.
Here's why: New research suggests that if your everyday walking speed is more than just a casual stroll, you'll live longer than your  peers.
The Perfect Pace
Yep. When researchers reviewed nine similarly structured studies involving nearly 35,000 adults over the age of 65, study results suggested that gait speed was a big predictor of how long people would live. To reap longevity rewards and live longer than expected, people's everyday walking speed needed to be at least 2.25 miles per hour. That's a little over 3 feet every second. People with this gait speed typically outlived the slower-striding folks in the study. (Walking this much can slash your risk of a stroke.)
How Walks Talk
Of course, a real walking workout now and then, where you get your heart rate up and sweat a little, is great for your long-term health, too. But the everyday speed at which you get around could be an important sign of how healthy you are. A person's walking ability can be a window into the health and function of a number of systems in the body because it requires a coordinated effort between your heart, lungs, skeletal muscles, and brain. So if you walk well -- and often -- it can become a powerful tool in your quest to live a longer life.

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Lack of Management & Technology in Indian Judicial System – Greatest Cause of Huge Pendency & Utterly Low Efficiency

-        Ram Kishan

M - 09691103689




We adopted the Judicial System established by the British Rulers meant for governing over an alien country and hence obviously not suited for a democratic setup or even their own country.


We created so called a ‘World Class Constitution’ which was based on inputs from the various constitutions of the world. It was our lack of management that on one hand we took self pride that we have a created a world class constitution but did not do anything to create world class courts, world class advocates, world class judges and world class judicial system. We left the court system in lurch to continue on their own. The attitudes of most of the judges, advocates, their staff, procedures and dealings with the litigants continued in the same manner as in British Days. As per the Constitution, the Public should have been respected as the Master, Customer or the Client but the dealings are not much different than those in British Days. On one hand the Judges and Advocates are using most modern TVs, Cars, Air-conditioners etc. but in court room they are not willing to go beyond 500 years old technology of paper and oral submissions.


On account of above, during last 60 years, there has been ever increasing pendency from year to year and now it has crossed 3 crore pending cases and is going up day by day. This pendency is not created all of a sudden. We were voicing our concern every year but no substantial measures have been taken to arrest the ever growing pendency. One of the sitting Judges of Andhra Pradesh High Court, Justice V.V. Rao has said that it will take 320 years to clear the pendency (vide news item dated 07.03.10) Thus the said ever growing pendency of above 3 crore cases and clearance period of 320 years is the proclamation of the Indian Judiciary itself.


The sole reason of above sorry state of affairs is due to lack or near absence of management approach as well as appropriate technology. While there is hue and cry about the lower strength of judges, nobody is emphasizing that first there should be implementation of appropriate management and technology. Justice Krishna Iyer has said in his book ’Law, Lawyers and Justice’ 1988 edition at page 133 that we are behind 200 years compared with developed countries. Hence it will be a prudent step to adopt the already established practices in the said countries. Highlights of the important practices in the developed countries as well as our proposals are given below.


Court Management in USA


The Americans did not follow the Court System created by the British but  developed their own Judicial System suited for a democratic country. The concept of ‘Court Management’ was introduced in USA in 1960 when a body called ‘National Association of Court Management’ was created. Past 50 years massive work has been done and as a result the performance of Judicial System has considerably improved. They identified 10 core competencies viz (1) Purposes and Responsibilities of Courts, (2) Case Flow Management, (3) Leadership, (4) Visioning and Strategic Planning, (5) Essential Components, (6) Court Community Communication, (7) Resources, Budget and Finance, (8) Human Resources Management, (9) Education, Training and Development, (10) Information Technology Management. In each core competency they prepared standards for KSA i.e. Knowledge, Skill and Ability. Exhaustive training and development programs were prepared and implemented. All this was done under the guidance and advice of top notch experts chosen from different fields in the country. All details about history and methodology are available on internet.


Our High Court and Supreme Court Judges and Law College Professors have visited USA several times but no worthwhile efforts have been made to induct and introduce the modern judicial management and practices developed and established in USA.


On account of ever increasing pendency of more than 3 crore cases past 60 years and verdict of a sitting High Court judge that it will take more than 320 years to clear the pendency; it is proved beyond doubt that the existing approach of the present setup of the advocates, judges and their associate bodies like the Bar Council of India etc. can not accomplish better than the existing sorry state of affairs.


The only hope is out of the public initiatives to force the Govt first to enhance the budget from less than 1% to atleast 5% by filing PILs and creating pressure through media. After enhancement of budget, public bodies as in US and UK are to be created and they should monitor and guide the implementation as is being done in those countries. It is needless to mention that the judges are heavily overloaded and hence the advocates also in turn get heavily overloaded. The briefs are not read and studied thoroughly and orders do not deal with all the points in the brief or pressed during the arguments. Hence as a result the orders being defective or incomplete result in avoidable reviews and appeals and thus creating further load on already heavily overloaded system. Unfortunately the review and appeal courts are also heavily overloaded and hence getting speedy and cheap justice is a remotest possibility in the present system. Such heavily overloaded system becomes a easy ground for rampant corruption in the staff and even judges. The advocates also being under pressure of such overloaded system can not spare time for their clients. 


The American Bar Association has undertaken massive plan for public education by making the following statement:-


“As members of the legal profession, we serve as the guardians and caretakers of the American Justice System. Our responsibilities include improving public understanding of the Justice System and sustaining public confidence in it.” They have resolved “that the American Bar Association encourages every lawyer to consider it part of his or her fundamental professional responsibility to further the public’s understanding of and confidence in the rule of law and the American system of Justice.”


Bar Council of India has no such approach towards public.


In USA, the Judges are addressed as Mr. Justice so and so, Mr. Chief Justice so and so. In documents and records also they are addressed like this. No where words like ‘My Lord’ or ‘Your Lordship’ are used. But in our country still we are continuing the old British Addressing like ‘Hon’ble Justice’, ‘My Lord’, ‘Your Lordship’ Thus in Indian Judiciary, we have still not become a free nation. In USA and UK, the Judges are living in flats but in our country they have large mansions in very costly localities. 


Looking to the above sorry state of affairs, in a modest way we have created a body ‘Legal Forum of India’ which is active (past two and half years) in the arena of Judicial Management, Technology and Reforms in DRTs (Debts Recovery Tribunals) apart from educating the borrowers and guarantors vide details in our web site www.drtsolutions.com (active since 2000) We have held two All India Conferences in May 2008 and Jan 2011 which were attended to by the litigants, advocates, chartered accounts, business men, industrialists etc. All proceedings were video recorded and are available in form of DVDs. The said DVDs were indexed by a Digital Clock perhaps for the first time in the country. We have been publishing ‘Weekly Mails’ past two and half years every Friday. All the said weekly mails are available on our web site vide link http://www.drtsolutions.com/weekly-news.htm These mails deal with practical solutions to the management and technological problems in DRTs. We intend to implement better management and technology in DRTs and the models thus developed will be available for implementation in other tribunals and civil courts.


We now highlight the most important aspects for immediate implementation in the court rooms as under.


Recording of Oral Arguments


All the oral arguments in the courts in USA are transcripted since 1935. Such transcripts are part of court records. The said transcripts are available to public on the same day.


Subsequently audio of all oral arguments are available since 1953. Such audio recordings are part of court records. The said audio recordings are available to public on the same day. The transcript, audio and video recordings are published on the internet on the same day.


It is reiterated that our High Court and Supreme Court Judges and law college professors have visited USA several times but no worthwhile efforts have been made to induct and introduce the transcripting, audio recording and video recording of the oral arguments.


It is needless to mention that recording of the Oral Arguments is a vital document in the adjudication process. The existing system of written arguments is not the true record of the oral arguments. Hence the system of transcripting oral arguments as prevalent in USA since 1935 and audio recording as prevalent in USA since 1953 need to be implemented immediately in the Indian court rooms without further delay. We welcome earliest possible introduction in DRTs.


With the above records of the oral arguments, the court orders will be much more accurate and hence there will be lesser review and lesser appeals. Thus unnecessary pendency on this count will reduce. Ultimately there will be much better attainment of Justice for which the courts exist. Finally there will be more satisfaction to the consumers i.e. litigants due to Justice, lesser time and lesser costs of the judicial process.


Interim Measure till Commencement of Recording of Oral Arguments


Before commencement of Oral Arguments, the arguing advocate should submit the points which he will be pressing during the arguments. As per the law declared by the SC in the matter of Mohd Akram Ansari vs Chief Election Officer vide citation 2008(2) SCC 95 all those points pressed during the arguments must be dealt with by the Judge in his order. If any of those points are missed in the order, the said advocate is entitled to submit an application to include the said point. With such approach, the quality of orders will definitely improve and hence there will be overall improvement


E-filing in High Courts and Tribunals


The system of e-filing in the Supreme Court has started. We made the first e-filing (from MP) of PIL in the Supreme Court on 05.11.10 vide Diary no 31960/2010 in the matter of Satya Pal Anand, Dharmdas & Ram Kishan vs Chief Justice S. H. Kapadia and others relating to investigation into corruption charges levelled against 6 chief justices of India. It was hailed by the print and electronic media on 07.11.10. All the defects have been removed and we are waiting for earliest possible listing. Reminders have been sent through e-mails. We intend to request the Supreme Court to conduct the oral arguments through Video Conferencing as well as to make Video Record of the said arguments.


The similar system needs to be introduced in the High Courts and the Tribunals without further delay. In fact we have filed a PIL in M.P. High Court at Jabalpur on 14.02.10 to introduce e-filing in the High Courts vide PIL by Satya Pal Anand and Ram Kishan vs Registrar General MP High Court. Mr. Satya Pal Anand, 81 years, famous PIL Crusader from Indore has been kind enough to learn modern computer technology from the author of this article and was the Chief Guest in the All India DRT Conference held on 8th Jan 2011 at Indore. His thought provoking address is available in the DVD No 021 of the said Conference. Mr. Sudhir Bindal and Mr. R.K. Tekriwal of Indore have gifted a ‘Tablet PC’ to ‘Anand Trust’ of Mr. Satya Pal Anand with the hope that he will use the same in his office and the court room.


At present the e-filing system in the Supreme Court is limited to the Petitioner-in-Person and the Advocates on Record. It needs to be extended to all the advocates.


The system of e-filing avoids unnecessary travelling of advocates or their representatives. Further it saves papers as well as their physical movements. Since it works on round the clock including holidays, the efficiency of the system as a whole will improve. All these will considerably   save the time and costs of the litigants.


Arguments by Video Conferencing


The Information Commissioner under RTI Act in Delhi, in 95% of the cases, is carrying out ‘Arguments by Video Conferencing’ particularly for the litigants from far off places like Kerala and Assam vide news item published in Economic Times, Mumbai dated 19.12.10. The litigant has to walk down to the nearest Collector’s Office where all the facility for video conferencing are available and carry out the arguments through Video Conferencing with the said Court in Delhi. This saves lot of time and costs of the litigants.


When the above Court in Delhi can carry out such process of oral arguments by Video Conferencing, the Supreme Court can also adopt the same system immediately particularly for the litigants from far off places.


Similarly in the Tribunals like DRTs and DRAT which cover many states, the same above method of arguments can be adopted immediately.


Video Arguments by the Advocates


Such ‘Video Arguments’ are being prepared and presented in USA for past several years. The Author of this Article has indigenously developed a method of ‘Video Arguments’ for the first time in the country and demonstrated the same before the District Judge Indore on 10.07.07 when the said DJ appreciated the same. This method was shown to many Retired Judges and Senior Advocates who also appreciated the same and desired immediate implementation. The proposal was sent to the Supreme Court and High Court where it is still under considerations. The Author has demonstrated the same in All India DRT Conference in May 2008, All India CAs Conference held in Indore in Feb 2009 as well as in All India DRT Conference in Jan 2011. The arguments is prepared on a PowerPoint Presentation which shows all the documents, records, judgments etc with narration. It is recorded on a CD and submitted to the court with copy to the opposite party. There are numerous advantages of such method. It saves time of the court as well as the advocates. It improves the quality of the judgments as the Judge need not note down or remember anything. This will be available even if the Judge is transferred as well as to the appellate and higher courts.



Court to Publish All the Case Materials on their Web Sites


In USA, all the documents, brief, transcript of the oral argument, audio and video records of the oral argument and the court orders are published on the web site of the courts. This will greatly help the litigants particularly from far off places by conserving their time and costs and thus will help in speedier and cheaper justice as envisaged in our constitution.


Permission for Video Recording on Mobile of All Discussions with Public Servants


Corruption has become the most important issue for our country. Oral Verdicts and Black Money are the sole causes. Public needs to be legally authorised to make video record of all the discussions with the Public Servants like politicians, bueauracrats, police as well as businessmen, industrialists. There are now 70 crores of mobile phones and many of them have got video cameras. With the legal authorisation of video recording, there will be more transparency, responsibility and accountability. A PIL in this respect will be quite useful. When one is required to have written record, why video record should not be insisted upon along with the written record.


Implementation of Above has become Easy & Affordable


Our country has sufficient manpower and world class expertise in modern IT Technologies. The costs of hardware and software has also come down considerably. Similar systems are now being used by the many departments of the State Governments. Hence implementation has become easy and affordable. Whenever we get time, we illustrate use of modern technology and management to the Advocates, Judges, Law College Professors, PIL crusaders, Litigants, Chartered Accountants, Doctors etc. For important personalities, we have even paid several visits not only to illustrate but to train them in using modern technology. We have even shown them how to e-file the petitions in the Supreme Court. We have also illustrated use of ‘Tablet PC’ in the court room. The Tablet PC is a powerful device which replaces laptops and mobile and is so handy that it can be easily carried in hand. The author is using this device at home during walking to study written records, documents, news paper extracts, court judgments etc. He carries the same during discussions with advocates, retired judges, law college professors, legal luminaries as well as the litigants particularly in DRTs.


Recently Dr. N.S. Poonia, Editor ‘Lost Justice’ from Indore became interested in application of modern technology in court room. We had few sessions of interactions. We have devoted a page to Dr. Poonia on our web site vide link http://www.drtsolutions.com/Lost%20Justice.htm titled ‘Lost Just’ Unique Law Journal by Dr. Poonia’


Conclusion & Proposal for Plan of Action for Implementation


In USA all suits (howsoever complex they are) are decided within 9 months whereas in our country we may take decades. That is why Justice Krishna Iyer has said that we are 200 years behind. On account of most inefficient and tardy judiciary in our country, the corruption and law breaking has become rampant from the highest level to lowest level as no body is afraid of wrong doings. More than 70% litigations are pertaining to the Govt departments or agencies. They fight even on petty issues upto the Supreme Court. Hence on account of various factors narrated in this article, the pendency has become more than 3 crore cases for which one of the sitting High Court Judge has said that it will take more than 320 years to clear.


We as Indians are habituated to collect information and to interact using the same just to show off superiority but we are very poor in the management of implementation. That is why goonda elements from Portugal, Moghul Countries and England ruled over us. And now that is why Indian stooges of the said goonda elements in the country are looting the wealth generated by the ignorant citizens. The only solution is application of proper management techniques and appropriate modern technology in empowering the citizens to exercise their powers to dethrone and unseat (as they can not be deported) the goonda elements in politics, bueauracracy, business and industry.


We through our web site www.drtsolutions.com (in existence since 2000) and body like ‘Legal Forum of India’ (working past two and half years) have taken up a social activity (in our free time and hence progress is slow) to implement modern management and technology in DRTs in a modest way. Our two bi-annual conferences in May ;08 and Jan ’11 at Indore were attended to by people from all over the country. The DVDs of both the Conferences are in great demand. Similarly our weekly mails published on Fridays past two and half years are viewed  with great interest. We shall continue to make efforts with our limited resources through the said web site, weekly mails and bi-annual conferences under the banner of ‘Legal Forum of India’ We are ready to spread the practical aspects of management and technology to the interested persons. We welcome suggestions through e-mail ramkishandrt@gmail.com and or mobile phone 09691103689.

Our Weekly Mails and DVDs are DRT Legal Guide and gold mine of practical information for the borrowers and guarantors The mail recipient particularly Borrowers and Guarantors will be immensely benefited by our weekly mails and DVDs, all previous issues of weekly mails from 1st one till the last one may be viewed by clicking the links given at the top. Separate web pages have been created to contain these mails in batches of 10 so that pages open up fast. These mails are gold mine of information on current topics giving lot of practical suggestions and ill comments. Any new recipient to these mails must go through all the weekly mails right from the issue no 1 to the latest. If possible please spread the reference of our web site and the weekly mail among the persons, borrowers and guarantors who are the bank victims. If anyone desires to get these mails regularly, he may write to us for inclusion of his e-mail ID in the regular mailing list. The weekly mail is issued on every Friday morning 9 AM. The particular issue of the weekly mail is first published on the web site and then mailed to borrowers, guarantors and their advocates in the country. We are getting huge no of mails appreciating our weekly mails.  We welcome suggestions.

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DRT Solutions Weekly Mail – 145th Issue dated 18th February ’11


(1) SC again reiterates that the HCs not to deal with the Securitisation matters – DRT is the only forum

The following news item was forwarded by Mr. Sudhir Bindal, one of our clients from Indore and is self explanatory:-



“Business Standard

[Legal Digest]




“The Supreme Court (SC) stated that last week a borrower and his guarantors who have been served with a notice under the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act has a remedy under the Act and should not rush to the high court. In this case, Kanaiyalal vs State of Maharashtra, State Bank of India advanced loans against mortgage of certain property. The loan was declared non-performing asset and the bank proceeded to take over the mortgaged property. The guarantors moved the Bombay High Court against the bank’s move. It rejected the petition stating that they had tried to avail of the remedy earlier by moving debt recovery tribunal.”



Our Comments


(1)    Since past more than 10 years we have been repeatedly emphasizing that we should never approach High Court/Supreme Court till the facts have been judicially determined by DRTs and now our views are getting confirmed by several judgments by the SC. The Borrowers must keep in mind that before going to High Court, they should check up the facts in the writs and if the said fact is not based on any judicial determination by the DRT, they should tell their advocate firmly that the case should not be put up before the High Court.

(2)    All the material facts concerning banking, industry and finance must first be pleaded before the DRTs along with the loss and damages caused due to wrong doings of the banks. Such facts must be determined by inspection of documents and cross-examination of the bank officials. If there is any unfavourable verdict by the DRT, one should file Review and Appeal. One must always keep in view that whatever points are pressed during the arguments, the same must be dealt with by the PO DRT otherwise application under inherent powers must be filed. In short, the case should not be allowed to proceed till all the material facts are judicilly determined. The borrower must have his foot down without any lapse on part of his advocate till this minimum requirement is achieved otherwise the case is destined to be lost.



(2) The DRT and the Recovery Officer do not have any powers under the RDDBFI Act, to decide tenancy and ownership issues


One of our mail receipients Mr. Bimal Kumar Sureka from Mirzapur made a query as above. Mr. N.K. Sharm, ex-GM (Law) and our associate carried out the following legal research and  analysis, the same is reproduced below:-

QUERY: "The DRT and the Recovery Officer do not have any powers under the RDDBFI Act, to decide tenancy and ownership issues." This has become necessary to convince the Civil Court, before whom a suit is to be filed by the Owner of a Property, whose assets have been attached and auctioned, treating that tenant (borrower) is holding ownership/transferable tenancy rights.




1.      The Recovery Of Debts Due To Banks And Financial Institutions Act, 1993 (‘the 1993 Act’) Section 17. Jurisdiction, powers and authority of Tribunals-(1) A Tribunal shall exercise, on and from the appointed day, the jurisdiction, powers and authority to entertain and decide applications from the banks and financial institutions forrecovery of debts due to such banks and financial institutions.


2.      Section 18. Bar of jurisdiction - On and from the appointed day, no court or other authority shall have, or be entitled to exercise, any jurisdiction, powers or authority (except the Supreme Court, and a High Court exercising jurisdiction under articles 226 and 227 of the Constitution) in relation to the matters specified in section 17.


3.      The Code of Civil Procedure, 1908 (‘the Code’) Section 9. Courts to try all civil suits unless barred-The Courts shall (subject to the provisions herein contained) have jurisdiction to try all suits of a civil nature excepting suits of which their cognizance is either expressly or impliedly barred.      


[Explanation I].- A suit in which the right to property or to an office is contested is a suit of a civil nature, notwithstanding that such right may depend entirely on the decision of questions as to religious rites or ceremonies.


4.      As per P Ramanatha Aiyar’s the Law Lexicon, 2nd Edition 1997 at page 1687 the term “Right” means an interest which is recognised and protected by law. As it is recognised by law a man is entitled to have it. As it can be protected by law the possessor can enforce it by an appropriate action in a court. (Raj Rajendra Sardar Maloji Narsig Rao Vs. Shankar Saran, AIR 1958 All 775, 787).




Bar of Jurisdiction of Civil Courts

1.   Section 18 of the DRT Act, 1993 (short for “Recovery Of Debts Due To Banks and Financial Institutions Act, 1993”) provides for the bar of jurisdiction of civil courts in relation to the matters specified in section 17. Similarly, Section 34 of the Securitisation Act, 2002 (short for “The Securitisation and Reconstruction Of Financial Assets and Enforcement Of Security Interest Act, 2002”) provides, inter alia, for the bar of jurisdiction of civil courts in respect of any matter which a Debt Recovery Tribunal or the Appellate Tribunal is empowered by or under the Securitisation Act. However, since long the Courts have held that “the jurisdiction of civil court is not excluded unless the cognizance of entire suit as brought is barred” (Mayadevi vs. Indernarian, 1967 A.A. 118, 120;Mewa vs. Baldeo, 1967 A. A. 358). In this regard hon’ble Supreme Court in Bhatia Co-Operative Housing Society Ltd Vs. D. C. Patel (1953 AIR 16; 1953 SCR 185 date of judgment: 05/11/1952) held as follows:


“Learned counsel  for  the respondent took   preliminary objection,  founded  on the provisions of section 28  of the  Bombay Act, that the City Civil Court had no jurisdiction to entertain the suit, for that section clearly states that  in Greater Bombay the Court of Small Causes alone shall have jurisdiction  to  entertain  and  try  any  suit  between  a landlord  and a tenant relating to the recovery of  rent  or possession of any premises to which any of the provisions of that  Part of the Act applied and to decide any application made  under the Act and to deal with any claim or  question arising out  of  the Act and no other Court should have jurisdiction to entertain any suit or proceeding or to deal with  such claim or question. ………………………….The question at once arises as to who is  to decide this point in controversy. It is well settled that a Civil Court has inherent power to decide the question of its own jurisdiction, although, as a result of its enquiry, it may turn out that it has no jurisdiction  over  the  suit. Accordingly we think, in agreement with the High Court, that this preliminary objection is not well founded in principle or authority and should be rejected.”


1.1    Further, Hon’ble Supreme Court in Dhulabhai and others vs. State of M. P. and another [1969 AIR 78; 1968 SCR  (3) 662 decided on  05/04/1968] held as follows:


“Where the statute gives a finality to the orders of the special tribunals  the civil court's jurisdiction  must  be held  to be excluded if there is adequate remedy to do what the  civil  courts  would  normally  do in  a suit. Such provision, however, does not exclude those cases where the provisions of the particular Act have not been complied with or the statutory tribunal has not acted in conformity with the fundamental principles of judicial procedure. [682 A-C; 683 C]” (emphasis supplied)


1.2    Hon’ble Bombay High Court in a recent judgment in Centurion Bank Ltd vs. Indian Lead Ltd [(2000) 100 Comp. Cas. 537: (1999-3) 101 Bom. L.R. 556] held as follows:


“Under the 1993 Act (i.e. ‘the DRT Act, 1993’), there is no total ouster of jurisdiction of civil Court. The ouster is by virtue of Section 18, which sets out that no Court or other authority can try matters for recovery of debts. Insofar as the reliefs which do not pertain to debts, on a plain reading of Section 17 of the 1993 Act are concerned, there can be no doubt that the civil Court will still retain jurisdiction.”


1.3    Recently, Hon’ble Supreme Court in Indian Bank vs. ABS Marine Products (P) Ltd [JT 2006 (5) SC 281: SCC 2006 (5) 72] held as follows:


“From Section 17 and 18 the Civil Court’s jurisdiction is barred only in regard to application by bank / financial institution for recovery of its debt and not barred to file a suit by a borrower against a bank.”


1.4  Further, in a latest judgment Hon’ble Supreme Court in  Rajender Singh Vs. Vijay Pal @ Jaipal & Ors.[(2008) 4 SCC 36 Appeal (civil) No. 3867 of 2001 date of judgment: 19/02/2008] held as follows (in para 2 and 3):



“2.        The plaintiff/respondent no. 1 had instituted the suit before the Civil Judge, Delhi for declaration and injunction in respect of the suit property and for other incidental reliefs. In the said suit, a preliminary issue was framed to the extent that in view of Section 185 of the Delhi Land Reforms Act, 1954 (in short ‘the Act’), the jurisdiction of the Civil Court to entertain the suit was barred.


3…………………..The (Delhi)High Court in the impugned judgment held that Section 185 of the Act could not be applied in view of the nature of the reliefs claimed in the suit and therefore, the suit shall be heard on merits on the other issues. In view of the stand taken by us, as noted hereinafter, and considering the facts and circumstances of the case and the allegations made in the plaint, we are, prima facie, satisfied that this appeal can be disposed of by directing the trial court to decide the suit not only on the other issues on merits but also on the issue regarding the jurisdiction of the civil court to entertain the suit in view of section 185 of the Act.



(3) Beautiful Quote on Anger


Mr. Sanjay Baweja, one of our close acquaintances has sent the following beautiful piece:-

If you are right then there is no need to get angry
And if you are wrong then you don't have any right to get angry.
Patience with family is love,
Patience with others is respect,
Patience with self is confidence
and Patience with GOD is faith.
Never Think Hard about PAST,
It brings Tears...
Don't Think more about FUTURE,
It brings Fears...
Live this Moment with a Smile,
It brings Cheers.!!!!

Every test in our life makes us bitter or better,
Every problem comes to make us or break us,
Choice is our whether we become victim or victorious !!!

Search a beautiful heart not a beautiful face.
Beautiful things are not always good
but good things are always beautiful

Remember me like pressed flower in your Notebook.
It may not be having any fragrance
but will remind you of my existence forever in your life.
Do you know, why God created gaps between fingers?
So that someone who is special to you,
comes and fills those gaps by holding your hands forever.


DRT Solutions Weekly Mail – 144th Issue dated 11th February ’11


(1) SBI Chairman & other bank officials get firing and Contempt Notice from High Court Bombay in a Securitisation matter for not acting as per law and for deliberate auction of a flat at throwaway price despite party prepared to make full payment – scandal and corruption by bank officials by misuse of powers

The following news item was referred to us by Mr. Sanjay Jain, one of our clients from Nagpur. It appeared in the Times of India, 6th Feb, Mumbai Edition and is reproduced below:-

”MUMBAI: Nationalized banks are not supposed to act like " moneylenders" the Bombay high court has said in an order and issued contempt notices against State Bank of India chairman O P Bhatt and another bank official. The bank, violating HC orders, took possession of a disputed flat in Thane and put it up for auction. 

"The SBI being Government of India undertaking is expected to honour the rule of law," said a division bench of Justice V C Daga and Justice R G Ketkar. "It is not expected to act as a moneylender. The approach should not be to deprive citizens of their property in garb of executing powers under the Securitisation Act and make unlawful gain for its officers while disposing of property at a throwaway price. Rather the approach should be to recover monies by legal means."

The HC has asked Bhatt and S Ramaswamy, of the SBI Wagle Estate, Thane branch to respond to the contempt notices by February 9. The court has issued a notice to deputy manager of the Wagle Estate branch Abhay Nimkar as to why he should not be prosecuted for perjury for making a false statement in court.

In 2006,
 Mumbai resident Firdosh Mehta signed a deal with one Pandurang Hiwarkar to buy his flat in Neelkanth Tower in Thane for Rs 57 lakh. While Mehta paid a part of the amount, he found out that the flat was mortgaged with SBI and Hiwarkar had defaulted on the home loan. Mehta moved court as the deal with Hiwarkar fell through despite him paying part of the money. He asked the court to order Hiwarkar to carry out his part of the deal and sell him the flat. The court ruled in Mehta's favour in December 2009. 

Hiwarkar then approached the HC. Despite the fact that Mehta offered to pay off the liability, SBI refused to settle the case. He issued cheques of over Rs 34 lakh, but they bounced. On December 6, 2010, SBI took possession of the flat despite court orders that it should remain with Hiwarkar. The HC found that the bank took possession of the flat at 1.45 pm but Nimkar said they attached it at noon. The bank subsequently issued public notice to auction the flat, which they claimed had a clear title. The HC wondered why the bank was insistent on auctioning off the flat even though Mehta was willing to pay the outstanding amount.

"The Bank was all along trying to protect the defaulting borrowers (Hiwarkar), and colluded with them to harm the interest of Mehta with the intention to make unlawful gain from disposal of the flat by allowing purchasers to form a cartel," the judges said. The court also held that Hiwarkar, by depositing the cheques which bounced and handing over the flat to SBI, was "prima facie" violating the undertaking given to the court.


Our Comments


(1)                We have been emphasizing all along to implead the Chairman of the Bank a necessary party. Our contention is proved once again.

(2)                Perfect pleadings must be made at the level of DRT so that full adjudication is made at the trial itself. When vital properties are at stake, the borrower is entitled for full trial in accordance with the principles of natural justice.

(3)                It is always kept in view that trial based on principles of natural justice will be more exhaustive even compared with the CPC.

(4)                Perfect pleadings including damages and or counter-claim, full inspection of all material documents and complete cross-examination of bank officials including the Chairman are the minimum requirements of a normal bank trial. All these need experienced Advocates in DRTs including full involvement of the borrower himself.

(5)                One should never go to higher courts until and unless all the facts have been completely determined in the lower court. The tools of review, application u’s 151 based on Mohd Akaram case of SC must always be used to check the hurry created by the bank officials and the DRTs.

(6)                We have found that the bank officials have not been trained or educated even in thinking or application of elementary law and hence they commit several mistakes and wrong doings resulting into loss and damages which must be claimed fully in the pleadings.

(7)                The above judgments will help in preventing misuse of powers by the bank officials or hurried trials by the DRTs.


(2) Advantages of E-filing in the Supreme Court


We have personally experienced the following advantages of e-filing in the Supreme Court:-


(a)    It is quite fast and comfortable and there is tremendous saving of money. There is no physical movement of either person or documents. Payment of court fee is made electronically by use of credit card. The defect removal is through e-mail. Thus right from the beginning and defect removal there is no physical movement of either person or documents. Certified copies of the documents may be obtained through e-mail. Further there is perfect record of complete proceedings and the process in the e-mails. The entire process works 24 hours including holidays at convenience of sitting in your own home or office.

(b)    In case of existing method of filing, one has to travel to the Supreme Court and stay there till the petition is filed. One has to engage an Advocate-on-record and the documents are to be sent to him. If there are any defects, it takes lot of time because of physical movement of documents as well as the person. It is highly cumbersome as well as expensive and time consuming. It is all the more trouble some for the petitioners from far off places like South India, Aasam etc.

(c)    We filed a PIL writ on 05.10.10 from our office at Indore. It took hardly 5 minutes and the expenditure was Rs. 357=00 paid through credit card. The registry of the Supreme informed about the defects on 21.10.10 through e-mail. All the defects were removed by 16.11.10.

(d)    We feel such method of e-filing must be started in all High Courts and Tribunals including the DRTs. There will tremendous saving of national time and national wealth.

(e)    Since the present process is available for Petitioner-in-Person or the Advocate-on-Record, the petitioners are advised to include their names in the Petition. The complete instructions are available on the web site of the Supreme Court. One may practice in advance. One should also practice for making online payments using his credit card.


(3) DVDs of the DRT Conferences


There is tremendous demand for our DVDs of the last two Conferences. The production of DVDs and transcription is in process. The schedule of avaialblity and costs will be announced through weekly mail as well as to the participants by special e-mails.


(4) Pineapple – a Wonder Fruit


Mr. Himnshu Mehta, one of our clients from Mumbai has sent the following useful information about this wonder fruit:-


“The pineapple is a member of the bromeliad family.
 It is extremely rare that bromeliads produce edible fruit. The pineapple is the only available edible bromeliads today. It is a multiple fruit. One pineapple is actually made up of dozens of individual floweret's that grow together to form the entire fruit. Each scale on a pineapple is evidence of a separate flower. Pineapples stop ripening the minute they are picked. No special way of storing them will help ripen them further. Colour is relatively unimportant in determining ripeness. Choose your pineapple by smell. If it smells fresh, tropical and sweet, it will be a good fruit. The more scales on the pineapple, the sweeter and juicier the taste. After you cut off the top, you can plant it. It should grow much like a sweet potato will. This delicious fruit is not only sweet and tropical; it also offers many benefits to our health. Pineapple is a remarkable fruit. We find it enjoyable because of it slush, sweet and exotic flavour, but it may also be one of the most healthy foods available today. If we take a more detailed look at it,we will find that pineapple is valuable for easing indigestion, arthritis or sinusitis. The juice has an anthelmintic effect; it helps get rid of intestinal worms. Let's look at how pineapple affects other conditions. Pineapple is high in Manchekar, a mineral that is critical to development of strong bones and connective tissue. A cup of fresh pineapple will give you nearly 75% of the recommended daily amount. It is particularly helpful to older adults, whose bones tend to become brittle with age. Bromelain, a proteolytic enzyme, is the key to pineapple's value.
Proteolytic means "breaks down protein", which is why pineapple is known to be a digestive aid. It helps the body digest proteins more efficiently is also considered an effective anti-inflammatory.
Regular ingestion of at least one half cup of fresh pineapple daily is purported to relieve painful joints common to osteoarthritis. It produces mild pain relief. In Germany , bromelain is approved as a post-injury medication because it is thought to reduce inflammation and swelling.
Orange juice is a popular liquid for those suffering from a cold because it is high in Vitamin C. Fresh pineapple is not only high in this vitamin, but because of the Bromelain ,it has the ability to reduce mucous in the throat. If you have a cold with a productive cough , add pineapple to your diet.
It is commonly used in Europe as a post-operative measure to cut mucous after certain sinus and throat operations.
Those individuals who eat fresh pineapple daily report fewer sinus problems related to allergies. In and of itself, pineapple has a very low risk for allergies.
Pineapple is also known to discourage blood clot development. This makes it a valuable dietary addition for frequent fliers and others who may be at risk for blood clots.
An old folk remedy for morning sickness is fresh pineapple juice. It really works! Fresh juice and some nuts first thing in the morning often make a difference. It's also good for a healthier mouth.
The fresh juice discourages plaque growth.”



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DRT Solutions Weekly Mail – 143rd Issue dated 4th February ’11


(1) Inspection of Bank Documents – Recent Experience


Recently we got an assignment from one of our clients of DRT Jabalpur to inspect their bank documents. Following is the highlight of our experience in conducting the said inspection:-


(1)    Initially  the party submitted a list of documents to be inspected. The DRT disallowed the said application.

(2)    The party appealed to the DRAT Allahabad which reversed the order of the court below with the stipulation that available documents out of those submitted by the bank in the OA may be inspected by the authorised official of the borrower.

(3)    On this we advised the party to submit a review application before the DRAT to modify their order to allow inspection of the documents as per the list originally submitted. Further the bank should first furnish the certified copies of the documents to be inspected.  

(4)    The party and their counsel, however, desired to carry on the inspection without any review.

(5)    Our banking expert was duly appointed by the party. As anticipated, the bank offered a heap of the documents without any list or certified copies.

(6)    On account of above, only few documents could be inspected and the detailed inspection report thereof was prepared with the ‘Recommendation and Conclusion’ that the DRAT should modify their order for inspection as per the original list along with provision of certified copies in advance of inspection.


Our Comments


(a)                In all the bank litigations, the facts are contained in the bank documents. If all the documents are not produced and inspected, all the material facts will not be revealed and the chances of success will remote.

(b)                Initially the list of material documents be sent to the bank to offer inspection. If the bank does not agree, the case be put up before the Court.

(c)                The bank must provide certified copies of the documents before commencement of inspection. If the bank does not agree, the case be put up before the Court.

(d)                The inspection has to be conducted by a person having expert knowledge of banking and bank documents as well as the law of evidence.

(e)                The above procedure is based on well established procedure of law in existence past 100 years and is nothing new. Experienced trial lawyers are fully aware about the same. Unfortunately the DRTs are mostly manned by young lawyers having not enough experience of trials.

(f)                  In USA there is separate Bar Association of Trial Lawyers. In fact no trials should be conducted by fresh and inexpericed lawyers. They should have experience of at least 5 to 10 years under senior trial lawyers and then only they should be allowed to practice independently.

(g)                Since in our country we have not given due importance to Judiciary and are continuing with the system left by the Britishers whose aim was to rule over the country. The said system is not at all suited for democratic setup like ours.

(h)                In UK, proper evolution of tribunals took 157 years where the society was having affordability and was carrying on the judicial process in their own mother tongue.  

(i)                  Conditions in our courty are all adverse.

(j)                  In view of above the borrowers in DRTs will have to face all odds and be prepared to fight with foot down to perfection at all stages of trials against the bueauracracy in banks and judiciary.


(2) Correcting an Error committed by the Draftsman in Legislative Drafting in CPC 1908


Mr. N.K. Sharma, Ex-GM (Law) and Associate DRT Legal Solutions has sent the following important item which is self explanatory:-


“Hon’ble Supreme Court in Afcons Infrastructure Ltd. & Anr. Vs. Cherian Varkey Construction Co. (P) Ltd. & Ors. {(2010) 8 SCC 24; Decided on 26.07.2010} held as follows in para 13.5 and 16 respectively:

13.5) A classic example of correcting an error committed by the draftsman in legislative drafting is the substitution of the words `defendant's witnesses' by this Court for the words `plaintiff's witnesses' occurring in Order VII Rule 14(4) of the Code, in Salem Bar-II {Salem Advocate Bar Assn. II Vs. UOI (2005 6 SCC 344)}. We extract below the relevant portion of the said decision :

"Order VII relates to the production of documents by the plaintiff whereas Order VIII relates to production of documents by the defendant. Under Order VIII Rule 1-A(4) a document not produced by defendant can be confronted to the plaintiff's witness during cross-examination. Similarly, the plaintiff can also confront the defendant's witness with a document during cross-examination. By mistake, instead of 'defendant's witnesses', the words 'plaintiff's witnesses' have been mentioned in Order VII Rule 14(4). To avoid any confusion, we direct that till the legislature corrects the mistake, the words 'plaintiff's witnesses, would be read as 'defendant's witnesses' in Order VII Rule 14(4). We, however, hope that the mistake would be expeditiously corrected by the legislature." 

“16. In view of the foregoing, it has to be concluded that proper interpretation of section 89 of the Code requires two changes from a plain and literal reading of the section. Firstly, it is not necessary for the court, before referring the parties to an ADR process to formulate or re-formulate the terms of a possible settlement. It is sufficient if the court merely describes the nature of dispute (in a sentence or two) and makes the reference. Secondly, the definitions of `judicial settlement' and `mediation' in clauses (c) and (d) of section 89(2) shall have to be interchanged to correct the draftsman's error. Clauses (c) and (d) of section 89(2) of the Code will read as under when the two terms are interchanged: 

(c) for "mediation", the court shall refer the same to a suitable institution or person and such institution or person shall be deemed to be a Lok Adalat and all the provisions of the Legal Services Authority Act, 1987 (39 of 1987) shall apply as if the dispute were referred to a Lok Adalat under the provisions of that Act;

(d) for "judicial settlement", the court shall effect a compromise between the parties and shall follow such procedure as may be prescribed. 

The above changes made by interpretative process shall remain in force till the legislature corrects the mistakes, so that section 89 is not rendered meaningless and infructuous.”


(3) Smile and spread the Stupidity


Mr. Firoze Poonawalla has sent the following interesting piece:-



Why do supermarkets make the sick walk all the way to the back of the store to get their prescriptions while healthy people can buy cigarettes at the front?

Why do people order double cheeseburgers, large fries, and a diet coke.




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Why do banks leave vault doors open and then chain the pens to the counters.

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Why do we leave cars worth thousands of dollars in our driveways and put our useless junk in the garage.

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Why the sun lightens our hair, but darkens our skin?

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Why can't women put on mascara with their mouth closed?

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Why don't you ever see the headline 'Psychic Wins Lottery'?

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Why is 'abbreviated' such a long word?

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Why is it that doctors call what they do 'practice'?

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Why is lemon juice made with artificial flavoring, and dish washing liquid made with real lemons?

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Why is the man who invests all your money called a broker?

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Why is the time of day with the slowest traffic called rush hour?

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Why isn't there mouse-flavored cat food?

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Why didn't Noah swat those two mosquitoes?

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Why do they sterilize the needle for lethal injections?

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You know that indestructible black box that is used on airplanes? Why don't they make the whole plane out of that stuff?!

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Why don't sheep shrink when it rains?

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Why are they called apartments when they are all stuck together?

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If flying is so safe, why do they call the airport the terminal?

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Now that you've smiled at least once, it's your turn to spread the stupidity and send this to someone you want to bring a smile to (maybe even a chuckle)...in other words, send it to everyone. We all need to smile every once in a while.



DRT Solutions Weekly Mail – 142nd Issue dated 28th January ’11


(1) Supreme Court emphasizes essentiality of  Computer knowledge for the Judges


The following is the extract from the recent judgment delivered by the Supreme Court, vide citation (2011) 1 SCC 150, Para 30, Vijendra Kumar Verma vs Public Service Commission:-

“The Indian judiciary is taking steps to apply e-govrnance tor efficient management of courts. In the near future, all the courts in the country will be computerized. In that respect, the new Judges who are being appointed are expected to have been knowledge of the computer operation. It will be unfair to overlook basic knowledge of computer operation to be an essential condition for being a judge in view of the recent development being adopted. Therefore, requirement of having basic knowledge of computer operation should not be diluted.

Our Comments  

(1)                On 10th July 2007, all the judges in the country were provided laptops with 15 days training. Country spent Rs. 50 crores in providing these laptops. Even after more than 3 years, most of the judges are not using the said laptops. The Administrative Judges in the High Court needs to be questioned as to why they failed to implement the use of laptops in the courts.

(2)                Instead of simply increasing the number of judges, it will be much better to impart extensive training to the existing judges with compulsory passing of the examination with certain intervals of few years to update the technology.

(3)                The judges should emphasize use of the computers by the advocates.

(4)                E-filing must commence in all courts in the country. This will save considerable time and money for the judicial system as well as for the litigants.

(5)                Video recording of the proceedings and video arguments must commence without further delay.

(6)                The above measures will greatly help in improving efficiency and thus effectively reducing the pendency. The quality of the judgment will also improve giving rise to lesser reviews and lesser appeals which will bring down the avoidable burden on already burdened courts.

(7)                DRT Litigants are requested to take special interest so that their advocates invariably use the computers and laptops and in turn requesting the judges to do so.



(2) Importance of Inspection of Bank Documents:-


(a)    This topic was extensively dealt with during the recent 2nd All India DRT Conference held on 8th and 9th Jan ’11 at Indore. There was special talk on this topic by Mr. T.R. Radhakrishnan, ex-Banker, Indore and Associate, DRT Legal Solutions.

(b)    Several questions from the participants were answered and also an example of the said bank documents was also discussed.

(c)    All the above proceedings of the Conference were video recorded and will be shortly made available in form of DVDs.

(d)    In order to achieve best possible practical results, it will be essential to ask the bank to produce certified copies of the documents as per the list to be provided in advance. If the bank declines, suitable orders has to obtained from the court.

(e)    The said inspection needs to be carried out by the expert in the field i.e one who has practical knowledge and experience in banking, documentation and law of evidence.

(f)      It is needless to mention that in order to win a bank case, one first should have perfect pleadings ( i.e. one prepared by experts in pleadings, damages, torts and banking) containing loss and damages or counter-claim. Secondly one should get all the material bank documents inspected by an expert of the line. Thirdly the bank officials including the Chairman of the bank should be cross-examined by an expert.

(g)    One has to alert and vigilant on all dates. All interim orders should be perfect ohere-wise the tool of Review and Appeal has to be used till the said orders are perfect.   


(3) Inspection of books of account etc. of co-operative society


In this connection, reference is made to Sec. 108 of the Multi-State Co-operative Society Act 2002 which lays down the complete procedure. In sub-section (4) of the said Sec 108, it is said that the person making the inspection may make or cause to be made copies of books of account and other books and papers. Further he may place or cause to be placed any markes or identification thereon in token of the inspection having been made.


(4) India Marches against Corruption


One of our clients, Mr. Rajesh Jain, Industrialist Ludianan has sent the following important piece which needs to be circulated among all your known friends and relatives:-


India Marches Against Corruption

Thousands of people will take to streets to demand effective anti-corruption law

J M Lyngdoh, Swami Agnivesh, Kiran Bedi, Anna Hazare, Prashant Bhushan, Most Reverend Vincent M Concessao Archbishop of Delhi and others will march from Ramlila Grounds to Jantar Mantar on 30th January, the day Mahatma Gandhi was assassinated, at 1 pm to demand enactment of a law to set up an effective anti-corruption body called Lokpal at the Centre and Lokayukta in each state (the existing Lokayukta Acts are weak and ineffective).

Kiran Bedi, Justice Santosh Hegde, Prashant Bhushan, J M Lyngdoh and others have drafted this Bill. Please visit our site for full text of this Bill. A nation wide movement called “India Against Corruption” has been started by Sri Sri Ravi Shankar, Swami Ramdev, Swami Agnivesh, Most Reverend Vincent M Concessao Archbishop of Delhi, Kiran Bedi, Arvind Kejriwal, Anna Hazare, Devinder Sharma, Sunita Godara, Mallika Sarabhai and many others to persuade government to enact this Bill.

Mrs Sonia Gandhi recently announced that Lokpal would be set up. However, the Lokpal suggested by the government is only a showpiece. It will have jurisdiction over politicians but not bureaucrats, as if politicians and bureaucrats indulge in corruption separately. And the most interesting part is that like other anti-corruption bodies in our country, the government is making Lokpal also an advisory body. So, Lokpal will recommend to the government to prosecute its ministers. Will any prime minister have the political courage to do that?

Please participate in large numbers in this march to persuade the government to enact the Bill drafted by the people. Please turn overleaf to read how this Bill will help in effectively checking corruption.

Can India turn around?

There was much worse corruption in Hong Kong in 1970s than we have in India today. Collusion between police and mafia increased and crime rate went up. Lakhs of people came on the streets. As a result, the government had to set up an Independent Commission Against Corruption (ICAC), which was given complete powers. In the first instance, ICAC sacked 119 out of 180 police officers. This sent a strong message to the bureaucracy that corruption would not be tolerated. Today, Hong Kong has one of the most honest governance machinery.

India can also turn around if we also had similar anti-corruption body. Hong Kong government enacted ICAC Bill because lakhs of people came on streets.

Join the march on 30th January (Assembly at 1 pm at Ramlila Ground)

If you plan to join or volunteer with us, do call us 9717460029 

How will the Lokpal Bill drafted by citizens help curb corruption?

Existing System

Proposed System

No politician or senior officer ever goes to jail despite huge evidence because Anti Corruption Branch (ACB) and CBI directly come under the government. Before starting investigation or initiating prosecution in any case, they have to take permission from the same bosses, against whom the case has to be investigated.

Lokpal at centre and Lokayukta at state level will be independent bodies. ACB and CBI will be merged into these bodies. They will have power to initiate investigations and prosecution against any officer or politician without needing anyone’s permission. Investigation should be completed within 1 year and trial to get over in next 1 year. Within two years, the corrupt should go to jail. 

No corrupt officer is dismissed from the job because Central Vigilance Commission, which is   supposed to dismiss corrupt officers, is only an advisory body. Whenever it advises government to dismiss any senior corrupt officer, its advice is never implemented.

Lokpal and Lokayukta will have complete powers to order dismissal of a corrupt officer. CVC and all departmental vigilance will be merged into Lokpal and state vigilance will be merged into Lokayukta.

No action is taken against corrupt judges because permission is required from the Chief Justice of India to even register an FIR against corrupt judges.

Lokpal & Lokayukta shall have powers to investigate and prosecute any judge without needing anyone’s permission.

Nowhere to go - People expose corruption but no action is taken on their complaints.

Lokpal & Lokayukta will have to enquire into and hear every complaint.

There is so much corruption within CBI and vigilance departments. Their functioning is so secret that it encourages corruption within these agencies. 

All investigations in Lokpal & Lokayukta shall be transparent. After completion of investigation, all case records shall be open to public.  Complaint against any staff of Lokpal & Lokayukta shall be enquired and punishment announced within two months.

Weak and corrupt people are appointed as heads of anti-corruption agencies.

Politicians will have absolutely no say in selections of Chairperson and members of Lokpal & Lokayukta. Selections will take place through a transparent and public participatory process.

Citizens face harassment in government offices. Sometimes they are forced to pay bribes. One can only complaint to senior officers. No action is taken on complaints because senior officers also get their cut.

Lokpal & Lokayukta will get public grievances resolved in time bound manner, impose a penalty of Rs 250 per day of delay to be deducted from the salary of guilty officer and award that amount as compensation to the aggrieved citizen.

Nothing in law to recover ill gotten wealth. A corrupt person can come out of jail and enjoy that money.

Loss caused to the government due to corruption will be recovered from all accused.

Small punishment for corruption- Punishment for corruption is minimum 6 months and maximum 7 years.

Enhanced punishment - The punishment would be minimum 5 years and maximum of life imprisonment.

Contact Us:

India Against Corruption

A-119, Kaushambi, Ghaziabad – 201010, UP. Ph: 09717460029 Email: indiaagainstcorruption.2010@gmail.com



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DRT Solutions Weekly Mail – 141st Issue dated 21st January ’11


(1) 2nd All India DRT Conference – Extract of Feedback from the Participants


We have received several feedback from the participants. Extract from few of them are as under:-


(a) Mr. U.C. Desai, ex-Banker from Ahemdabad wrote as under:-


Fri, Jan 14, 2011 at 8:10 AM


Dear Ram Kishanji,


Wish Happy UTTARAN ( It is custom in Gujarat).  


My desire is to have CD of 2008 yr. conference and you can copy from one you must have.


I shall clear my doubt in such subjects as and when I have


Thanks for what you have done despite your age and when it is a complex programme to satisfy optimum. 

U.C.DESAI   6 A.M. 14-1-2011 UTTARAN



(b) Dr. A.K. Gupta who is fighting his own case and visited us in past, from Asansol wrote as under:-


On Fri, Jan 14, 2011 at 6:02 PM


Dear Mr Ram Kishan

Thanks for the mind blowing conference hope you hold many such more conference for persons like us

Dr A K Gupta


(c) Mr. Mandar Acharya, CEO of an Industrial Unit in Sangli (Maharashtra) who visited us in past wrote as under:-



On Sat, Jan 15, 2011 at 1:43 PM, Mandar Acharya wrote:


Dear Ram Kishanji

I am back in office today after attending the much awaited DRT conference in Indore last weekend. I am writing this also on behalf of Mr.Ajay Potdar (Managing Director of our Company, who attended the conference) too. It was a very well organized event and will certainly prove fruitful for me in our efforts. It was also nice to have the material in advance so we could go through it and be prepared with our queries and questions. The whole credit of arranging the successful conference goes to you mainly and I also need to appreciate your team including your family members. We could see the efforts and attention to the minutest details taken by you and your team and I need not say any more on the kind and warm hospitality of people from Indore that filled the whole atmosphere at Topaz Hall !

2. It was nice to know from your mail that you are video recording your talk and including the same in the DVD. We much awaited the same at Indore but unfortunately it could not be delivered due to highly interactive and prolonged question answer sessions.

3. I had also requested for DVD of the last conference too. Please let me know the contents and it may be sent to the above address.

Once again congratulations to you for successful organization and leading  the conference.

Warm Regards
Mandar Acharya


(d) Mr. Dinesh Kakkad, Industrialist and who visited us in past, from Jalgaon wrote as under:-


Sat, Jan 15, 2011 at 10:30 PM


Thank you and congratulations for your successful conduct of 2nd All India DRT Conference.  The over all arrangements, venue, sitting arrangements, power point presentations, food at all the times was very excellent.  All the speakers tried to their level best to deliver the best they can.  Especially the Inaugural talk  by Mr. Satya Pal Anand was very eye opening.  The talk by Mr. T.R. Radhakrishnan on the topic of Importance of Bank documents as well as talk by Mr. Mathews on Natural Justice was liked most.  Mr. Haresh Gandhi has also correctly expressed his views about our own participation as well as interest in our own case.

Most of the attendees were interested to know more about Counter claim and damages.  I appreciate as you have decided to prepare video talk and include it in the DVD regarding this subject.  Please elaborate how the calculations will be done for counter claims as well as damages in detail so that we can make up our mind to work on that line.  While talking in between conference you were saying that at the 1st conference a video of about 3 hrs of your talk on counter claim and damages is already with you.  I request you to send the copy of the same and I am ready to pay the charges if any for that.  



(e) Mr. Ashok Ranglani, Industrialist and who visited us in past, from Jalgaon wrote as under:-


Wed, Jan 19, 2011 at 3:43 PM


Dear Shri. Ramkishanji,


         First of all i would like to congratulate you for conducting this 2nd DRT conference. The conference was really good and was really helpful. I heartily appreciate your work and performance. The views and directions given in conference were really good and important.

        Sir, I and my friend Dinesh Kakkad from jalgaon attented your conference and we both are really happy regarding getting our doubts cleared. In conference it was mentioned that in year 2008 1st DRT conference was organised and we are eager to get the CDs of the same.

       So, I request you to send me CD of 1st conference as well as DVD of this 2nd conference also. If there are any charges i am ready to pay for the same.

       My best wishes are always with you and may you progress in your life.


Thanking you.

Yours Faithfully,


Ashokkumar G. Ranglani,



(2) 2nd All India DRT Conference – Extract of mails just before the Conference


We have received several mails just before the Conference. Extract from Few of them are as under:-


(a) Extract  of Mail from Mr. Himanshu Mehta, Mumbai, our client since 2006:- 


07 January 2011 11:14


Dear Ram Kishanji,


Wishing you great success for conference. Your timely advise has helped us. without  your help we  would have lost case long back. It is pity that many people don’t try to understand your views. With success from your advise everybody is realising law is also abiding to bankers for their wrongdoings.

In recent City Bank case, Vikram Pandit, Chairman of City Bank staying in USA is also made party in fraud case.  Your advise to make Chairman party was long back. Yesterday’s Times of India has an article where many lawyers have agreed to your views to make Chairman party.  If systemic failure is proved then top officers also can be punished.

With some social commitment I could not come to Indore for conference. My best wishes for great success to you and Dubeyji.
Thanking you,



(b) Extract of mail from Advocate Mahesh Kabra, Ahmednagar, who attended the last Conference in May 2008:-


08 January 2011 15:13

Respected Ram Kishanji
I have pleasure to attend the last Conf. in May 2008.
I found that last Conference has generated lot of interest of the litigants facing bank recoveries through DRTs. 
That interactions has helped the participants to prepare for more effective implementation of measures for defense.

The information provided is also effective and meaningful.
Further efforts to improve the management and technology in DRTs with actual implementation so there is a fall out effect on the Judicial System as a whole is also worthwhile and that thinking is ahead of present age considering the Indian Court’s view.

Best wishes to you and all the conference participants in January 2011.

Sorry, Due to family function on these dates, I could not attend the conference – I fully understand that I am missing something important.


Mahesh Kabra, Advocate



(3) Stella Awards in US


Mr. Firoze Poonawalla has sent the following interesting piece:- 


 It's time again for the annual "Stella Awards."  For those unfamiliar with these awards, they are named after 81-year-old Stella Liebeck who spilled hot coffee on herself and successfully sued the McDonald's in New Mexico , where she purchased coffee.  You remember, she took the lid off the coffee and put it between her knees while she was driving.  Who would ever think one could get burned doing that, right?  That's right; these are awards for the most outlandish lawsuits and verdicts in the U.S.  You know, the kinds of cases that make you scratch your head and say WHY.  So keep your head scratcher handy.
Here are the Stellas for the past year:



Kathleen Robertson of Austin, Texas, was awarded $80,000 by a jury of her peers after breaking her ankle tripping over a toddler who was running inside a furniture store.  The store owners were understandably surprised by the verdict, considering the running toddler was her own son.
Start scratching!


Carl Truman, 19, of Los Angeles , California , won $74,000 plus medical expenses when his neighbor ran over his hand with a Honda Accord. Truman apparently didn't notice there was someone at the wheel of the car when he was trying to steal his neighbor's hubcaps.
Scratch some more...


Terrence Dickson, of Bristol , Pennsylvania , who was leaving a house he had just burglarized by way of the garage.  Unfortunately for Dickson, the automatic garage door opener malfunctioned and he could not get the garage door to open.  Worse, he couldn't re-enter the house because the door connecting the garage to the house locked when Dickson pulled it shut.  Forced to sit for eight, count 'em, EIGHT days and survive on a case of Pepsi and a large bag of dry dog food, he sued the homeowner's insurance company claiming undue mental anguish.  Amazingly, the jury said the insurance company must pay Dickson $500,000 for his anguish.  We should all have this kind of anguish.  Keep scratching .. There are more...... 
Double hand scratching after this one.....


Jerry Williams, of Little Rock, Arkansas, garnered 4th Place in the Stella's when he was awarded $14,500 plus medical expenses after being bitten on the butt by his next door neighbor's beagle - even though the beagle was on a chain in its owner's fenced yard.  Williams did not get as much as he asked for because the jury believed the beagle might have been provoked at the time of the butt bite because Williams had climbed over the fence into the yard and repeatedly shot the dog with a pellet gun. 
Pick a new spot to scratch, you're getting a bald spot..


Amber Carson of Lancaster, Pennsylvania, because a jury ordered a Philadelphia restaurant to pay her $113,500 after she slipped on a spilled soft drink and broke her tailbone.  The reason the soft drink was on the floor: Ms. Carson had thrown it at her boyfriend 30 seconds earlier during an argument. 
Only two more so ease up on the scratching....


Kara Walton, of Claymont , Delaware , sued the owner of a night club in a  nearby city because she fell from the bathroom window to the floor, knocking out her two front teeth.  Even though Ms.Walton was trying to sneak through the ladies room window to avoid paying the $3.50 cover charge, the jury said the night club had to pay her $12,000 ..... oh, yeah, plus dental expenses.

OK.  Here we go!!


This year's runaway First Place Stella Award winner was:  Mrs. Merv Grazinski, of Oklahoma City , Oklahoma , who purchased new 32-foot Winnebago motor home.  On her first trip home, from an OU football game, having driven on to the freeway, she set the cruise control at 70 mph and calmly left the driver's seat to go to the back of the Winnebago to make herself a sandwich.  Not surprisingly, the motor home left the freeway, crashed and overturned.  Also not surprisingly, Mrs. Grazinski sued Winnebago for not putting in the owner's manual that she couldn't actually leave the driver's seat while the cruise control was set.  The Oklahoma jury awarded her -- are you sitting down? --- $1,750,000 PLUS a new motor home.  Winnebago actually changed their manuals as a result of this suit, just in case Mrs. Grazinski has any relatives who might also buy a motor home.


Our Comments

The above are few applications of damages awarded on the basis of Torts in the personal domain. The cases handled by us in the banking sector are quite simple where the duty of care in public domain is openly violated by statutory authorities since Kripack (1970), Bank Nationalization Act 1969 and the RBI Guidelines since 1976.


The human beings of old generations were socially disciplined due to fear of committing sin and being sent to hell. Consequent on emergence of modern science, that fear has been replaced by judicial award of punishment by jail term and damages. In US, the award is mostly within 9 months. Since in our country, the award is in decades, there is no fear at all. That is why there is all round Corruption and Loot by Politicians and Public Servants. Similarly the Bank Officials are not afraid of violations of duty of care enshrined in RBI Guidelines or the DRT Judges are also not afraid of openly violating the Principles of Natural Justice which since ancient time were to be first applied to Judges and Court of Law.


That is why Justice Krishna Iyer is right when in 1988 he said that in judicial field we are backward by 200 years. The said Justice Krishna Iyer recently has said he feels ashamed to have been in Juducial Profession after finding rampant Corruption by ex-CJI Balakrishnan which has hugely enriched all his close relatives during his tenure. Senior advocate Mr. Shanti Bhusan has filed affidavit in Supreme Court that 6 of CJIs were definitely corrupt. Thus when corrupt persons can become judges, when such persons can become Chief Justice of India and not only one but six of them, then what can you expect from DRT Judges and their superiors in DRAT, High Court and Supreme Court. In our view the only solution is use of modern management and technology like video recording, open and real time broadcast of court proceedings on internet and perfect trial on every date to be ensured by litigants. This presumes that the pleadings are perfect and are based on Damages arising out of Torts. Many of our clients who follow our advice and guidance are achieving perceptible results.


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(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. 

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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.

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