2025:KER:31233 IN THE HIGH COURT OF KERALA AT ERNAKULAM PRESENT THE HONOURABLE MR.JUSTICE MURALI PURUSHOTHAMAN THURSDAY, THE 10TH DAY OF APRIL 2025 / 20TH CHAITHRA, 1947 WP(C) NO. 15194 OF 2025 PETITIONER: S. PRADEEP KUMAR AGED 65 YEARS S/O. SUKUMARAN K KAYANADU VILA VEEDU, KARIMBINPUZHA P.O., PUTHOOR, KOLLAM, PIN – 691 507. BY ADVS. ENOCH DAVID SIMON JOEL S.SREEDEV RONY JOSE LEO LUKOSE KAROL MATHEWS SEBASTIAN ALENCHERRY DERICK MATHAI SAJI KARAN SCARIA ABRAHAM ITTOOP JOY THATTIL RESPONDENTS: 1 THE KERALA STATE CO-OPERATIVE BANK REPRESENTED BY ITS CHIEF EXECUTIVE OFFICER, CO- BANK TOWERS, VIKAS BHAVAN P.O, PALAYAM, THIRUVANANTHAPURAM, PIN – 695 033. 2 THE BRANCH MANAGER THE KERALA STATE CO-OPERATIVE BANK, MEDICAL COLLEGE MAIN BRANCH, THIRUVANANTHAPURAM, PIN – 695 011. 3 THE REGISTRAR OF CO-OPERATIVE SOCIETIES, JAWAHAR SAHAKARANA BHAVAN, DPI JUNCTION, THYCAD P.O, THIRUVANANTHAPURAM, PIN – 695 014. SRI. P.C SASIDHARAN – SC SRI. THOMAS ABRAHAM THIS WRIT PETITION (CIVIL) HAVING COME UP FOR ADMISSION ON 10.04.2025, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING: 2025:KER:31233 WP(C) NO.15194 OF 2025 2 JUDGMENT The loan availed by the petitioner from the 1st respondent Bank fell in arrears. The Bank initiated recovery proceedings. The petitioner has filed Ext.P1 request before the Bank for the benefit of One Time Settlement (OTS) Scheme. However, the same was rejected on the ground that the period of Scheme is over. The petitioner states that, by Ext.P4 circular, the period of the OTS Scheme has been extended. Accordingly, the petitioner made a further request for the benefit of OTS Scheme as per Ext.P5. The limited prayer of the petitioner is for a consideration of Ext.P5 by the 1st respondent. 2. Sri.Thomas Abraham, the learned Standing Counsel for respondents 1 and 2 submits 2025:KER:31233 WP(C) NO.15194 OF 2025 3 that, if the Scheme is presently available, the competent authority of the 1st respondent will consider Ext.P5 and the decision will be communicated to the petitioner. In order to enable the Bank to consider the application of the petitioner, all coercive proceedings against him pursuant to the loan referred to in Ext.P1 shall be kept in abeyance for a period of one month. The writ petition is disposed of. Sd/- MURALI PURUSHOTHAMAN JUDGE SPR 2025:KER:31233 WP(C) NO.15194 OF 2025 4 APPENDIX PETITIONER’ S EXHIBITS :- EXHIBIT P1 A TRUE COPY OF THE LETTER DATED 23.01.2025 SUBMITTED BY THE PETITIONER TO THE 2ND RESPONDENT. EXHIBIT P2 A TRUE COPY OF THE LETTER DATED 07.03.20205 ISSUED BY THE 2ND RESPONDENT TO THE PETITIONER. EXHIBIT P3 A TRUE COPY OF THE LETTER DATED 28.03.2025 ISSUED BY THE 2ND RESPONDENT TO THE PETITIONER. EXHIBIT P4 A TRUE COPY OF THE CIRCULAR NUMBERED AS 14/2025 AND DATED 31.03.2025 ISSUED BY THE 3RD RESPONDENT. EXHIBIT P5 A TRUE COPY OF THE EMAIL DATED 27.03.2025 SUBMITTED BY THE PETITIONER TO THE 2ND RESPONDENT. RESPONDENT S EXHIBITS :- NIL.