Case Summary
The plaintiff, Union Bank of India, seeks to recover an outstanding loan amount from the defendants, Ansiya Ummer and her parents, for an educational loan that has not been repaid. The court found that the defendants failed to comply with the loan repayment terms.
Judgment Outcome
Judgment Favored
Plaintiff
Relief Granted
The defendants are directed to pay an amount of Rs. 5,32,600/- to the plaintiff with interest.
Case Type
Civil Suit
Final Judgment
No
Why Plaintiff Won:
The unchallenged evidence of the plaintiff proved the defendants' liability towards the outstanding loan amount.
The unchallenged evidence of the plaintiff proved the defendants' liability towards the outstanding loan amount.
Judgment Evidence:
In the result, suit decreed with costs as follows: The defendants are hereby directed to pay an amount of Rs. Rs. 5,32,600/- to the plaintiff and together with interest on the principal amount of Rs. 2.95 lakhs at the rate of 12% per annum from the date of suit till the date of decree.
Parties Involved
Plaintiffs
Union Bank of India (Age not specified years)
Arackapady Branch, Vengola P O, Ernakulam – 683 556
Defendants
Ansiya Ummer (27 years)
Thudhuppilly House, Vengola P O, Arackapady, Perumbavoor – 683 556
Ummer T A (51 years)
Thudhuppilly House, Vengola P O, Arackapady, Perumbavoor – 683 556
Zeenath Ummer (50 years)
Thudhuppilly House, Vengola P O, Arackapady, Perumbavoor – 683 556
Reliefs
Relief Type:
Recovery
Outcome:
Granted
Description:
The plaintiff sought recovery of the outstanding loan amount.
Evidence:
In the result, suit decreed with costs as follows: The defendants are hereby directed to pay an amount of Rs. Rs. 5,32,600/- to the plaintiff and together with interest on the principal amount of Rs. 2. 95 lakhs at the rate of 12% per annum from the date of suit till the date of decree.
Documents & Evidence
Document Type:
Letter of Sanction
Submitted By:
Plaintiff
Relevance:
This document evidences the sanction of the educational loan provided to the defendants.
Reference:
Ext.A1
Document Type:
Demand Promissory Note
Submitted By:
Plaintiff
Relevance:
This document is a promissory note executed by the defendants for the educational loan.
Reference:
Ext.A2
Document Type:
Educational Loan Agreement
Submitted By:
Plaintiff
Relevance:
This agreement outlines the terms of the educational loan availed by the defendants.
Reference:
Ext.A3
Document Type:
Educational Loan Guarantee
Submitted By:
Plaintiff
Relevance:
This document serves as a guarantee for the repayment of the educational loan.
Reference:
Ext.A4
Document Type:
Office copy of lawyer notice
Submitted By:
Plaintiff
Relevance:
This notice informs the defendants of their outstanding loan amount.
Reference:
Ext.A5
Document Type:
Postal A/d Cards
Submitted By:
Plaintiff
Relevance:
These cards serve as evidence of communication with the defendants regarding the loan.
Reference:
Ext.A6 series
Document Type:
Postal receipt and track report of the 1st defendant
Submitted By:
Plaintiff
Relevance:
This document serves as proof of delivery of the communication to the 1st defendant.
Reference:
Ext.A7
Document Type:
Certified copy of statement of account
Submitted By:
Plaintiff
Relevance:
This document provides a detailed account of the outstanding loan amount.
Reference:
Ext.A8
Document Type:
Authorization letter
Submitted By:
Plaintiff
Relevance:
This letter authorizes the plaintiff's representative to act on their behalf.
Reference:
Ext.A9