Case Summary
Plaintiff Bank Of Baroda (Erstwhile Vijaya Bank) filed a suit against defendants for defaulting on loans availed for purchasing a car. Defendants acknowledged their liability, failed to repay, and the account became NPA.
Judgment Outcome
Judgment Favored
Plaintiff
Relief Granted
Realization of Rs. 8,16,629.48/- with interest
Case Type
Civil Suit
Final Judgment
No
Plaintiff's claim for the loan amount along with interest was granted against the defendants.
Why Plaintiff Won:
Losing Side's Weaknesses:
Supporting Evidence
Judgment Evidence:
Defendants directed to pay the specified amount along with interest to the plaintiff.
Parties Involved
Parties
- Party Role
- Plaintiff
- Party Name
- Bank Of Baroda (Erstwhile Vijaya Bank), Nettoor Branch, INTUC Junction, Nettoor, Ernakulam- 682019
- Party Role
- Defendant
- Party Name
- Antony Sajo K J
- Party Age
- 34
- Relation
- S/o
- Party Role
- Defendant
- Party Name
- Annie Santhiyavu
- Party Age
- 62
- Relation
- W/o
Plaintiffs Documents
Sanction Letter, Loan agreement cum Hypothecation Deed, Letter of guarantee, Letter of acknowledgment of liability, Loan cum hypothecation agreement, Demand promissory note, General form of guarantee, Sanction letter, Agreement for re-schedulement cum funded interest term loan, Letter of acknowledgment of debt, Notice issued to 1st defendant, Notice issued to 2nd defendant, Statement of account, Certified copy of Sale deed
Defendants Documents
Advocates
Reliefs
Relief Type:
Money Recovery
Outcome:
Granted
Description:
Plaintiff granted relief for recovery of Rs.8,16,629.48 with interest
Evidence:
Plaintiff established a case and entitled to realize the mentioned amount from defendants
Documents & Evidence
Document Type:
Sanction letter
Submitted By:
Plaintiff
Relevance:
Plaintiff issued loan sanction to defendants on 03.02.2017
Reference:
Ext.A1
Document Type:
Loan agreement cum Hypothecation Deed
Submitted By:
Plaintiff
Relevance:
Defendants executed agreement with plaintiff on 03.02.2017
Reference:
Ext.A2
Document Type:
Letter of guarantee
Submitted By:
Plaintiff
Relevance:
2ⁿᵈ defendant provided guarantee to plaintiff on 03.02.2017
Reference:
Ext.A3
Document Type:
Letter of acknowledgment of liability
Submitted By:
Plaintiff
Relevance:
Defendants acknowledged debt on 30.03.2019
Reference:
Ext.A4
Document Type:
Loan cum hypothecation agreement
Submitted By:
Plaintiff
Relevance:
1st defendant executed agreement on 04.09.2020
Reference:
Ext.A5
Document Type:
Demand Promissory Note
Submitted By:
Plaintiff
Relevance:
Demand note executed by 1st defendant on 04.09.2020
Reference:
Ext.A6
Document Type:
General form of guarantee
Submitted By:
Plaintiff
Relevance:
2ⁿᵈ defendant provided general guarantee on 04.09.2020
Reference:
Ext.A7
Document Type:
Sanction letter
Submitted By:
Plaintiff
Relevance:
Plaintiff issued sanction letter on 30.11.2020
Reference:
Ext.A8
Document Type:
Agreement for re-schedulement cum funded interest term loan
Submitted By:
Plaintiff
Relevance:
Defendants executed agreement for loan reschedulement on 30.11.2020
Reference:
Ext.A9
Document Type:
Letter of acknowledgment of debt
Submitted By:
Plaintiff
Relevance:
Defendants acknowledged debt on 31.03.2021
Reference:
Ext.A10
Document Type:
Notice issued to defendants
Submitted By:
Plaintiff
Relevance:
Notices sent to defendants on 03.06.2022
Reference:
Combined Ext.A11 to A12
Document Type:
Statement of Account
Submitted By:
Plaintiff
Relevance:
Account statement for period 03.02.2017 to 09.10.2023
Reference:
Ext.A13
Document Type:
Statement of Account
Submitted By:
Plaintiff
Relevance:
Account statement for period 04.09.2020 to 09.10.2023
Reference:
Ext.A14
Document Type:
Certified copy of Sale Deed
Submitted By:
Plaintiff
Relevance:
Sale deed copy dated 22.06.2016
Reference:
Ext.A15
Case Classification
Case Type
Civil Suit
Category
Money and Loan Recovery
District
Ernakulam
State
Kerala
Court Establishment
Munsiff Court, Ernakulam
Common Reasons
Money Recovery
Case Code
Case between Bank Of Baroda (Erstwhile Vijaya Bank), Nettoor Branch, INTUC Junction, Nettoor, Ernakulam- 682019, represented by its Senior Manager vs Antony Sajo K J et al regarding Suit for realization of money
Case Code Year
Case between Bank Of Baroda (Erstwhile Vijaya Bank), Nettoor Branch, INTUC Junction, Nettoor, Ernakulam- 682019, represented by its Senior Manager vs Antony Sajo K J et al regarding Suit for realization of money