{"id":1288886,"date":"2024-12-25T13:29:35","date_gmt":"2024-12-25T07:59:35","guid":{"rendered":"https:\/\/trak.in\/stories\/?p=1288886"},"modified":"2024-12-25T13:30:08","modified_gmt":"2024-12-25T08:00:08","slug":"banks-cant-publish-pictures-of-defaulters-to-recover-loans-kerala-high-court","status":"publish","type":"post","link":"https:\/\/trak.in\/stories\/banks-cant-publish-pictures-of-defaulters-to-recover-loans-kerala-high-court\/","title":{"rendered":"Banks Can&#8217;t Publish Pictures Of Defaulters To Recover Loans &#8211;  Kerala High Court"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\"><strong>Court\u2019s Ruling on Loan Defaulters<\/strong><\/h3>\n\n\n\n<p>The Kerala High Court has unequivocally held that banks are not permitted to publish the photos and details of defaulting borrowers to compel loan repayment. Justice Murali Purushothaman observed that such measures infringe upon a person&#8217;s fundamental right to live with dignity and reputation.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"516\" src=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2024\/12\/Screenshot-2024-12-25-at-1.28.09\u202fPM-1024x516.png\" alt=\"Banks Can't Publish Pictures Of Defaulters To Recover Loans -  Kerala High Court\" class=\"wp-image-1288891\" srcset=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2024\/12\/Screenshot-2024-12-25-at-1.28.09\u202fPM-1024x516.png 1024w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2024\/12\/Screenshot-2024-12-25-at-1.28.09\u202fPM-300x151.png 300w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2024\/12\/Screenshot-2024-12-25-at-1.28.09\u202fPM-768x387.png 768w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2024\/12\/Screenshot-2024-12-25-at-1.28.09\u202fPM-1536x774.png 1536w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2024\/12\/Screenshot-2024-12-25-at-1.28.09\u202fPM.png 1600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Invasion of Privacy<\/strong>: Publishing borrowers&#8217; photos and details in public constitutes a violation of their right to privacy and dignity.<\/li>\n\n\n\n<li><strong>Article 21<\/strong>: The act infringes upon the right to life and personal liberty under Article 21 of the Constitution.<\/li>\n\n\n\n<li><strong>Legal Framework<\/strong>: Such practices are not recognized as a mode of recovery in any law or rule.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Background of the Case<\/strong><\/h3>\n\n\n\n<p>The case arose when the <strong>Chempazhanthi Agricultural Improvement Co-operative Society<\/strong> filed a petition challenging a directive from the Assistant Registrar of Co-operative Societies. The directive <a href=\"https:\/\/www.livelaw.in\/high-court\/kerala-high-court\/kerala-high-court-bank-defaulter-photo-279282\">ordered<\/a> the removal of flex boards displaying photos and names of defaulters at the society&#8217;s head office.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bank\u2019s Argument<\/strong>: The bank argued that they had repeatedly sought repayment and resorted to this method after some success with prior displays. They likened the practice to the \u201cbeat of tom-tom\u201d permitted under Rule 81 of the Kerala Co-operative Societies Rules, 1969.<\/li>\n\n\n\n<li><strong>Court\u2019s Observation<\/strong>: The court dismissed this analogy, describing the practice of tom-tomming as outdated and primitive.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Key Legal Points<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Violation of Rights<\/strong>: Coercing borrowers through public shaming invades their fundamental rights.<\/li>\n\n\n\n<li><strong>Procedural Safeguards<\/strong>: Recovery of loans must follow procedures established by law, without resorting to tactics that harm personal dignity.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Case Details<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Case Number<\/strong>: WP(C) 45919 of 2024<\/li>\n\n\n\n<li><strong>Case Title<\/strong>: <em>The Management Committee of Chempazhanthi Agricultural Improvement Co-operative Society and Another v The Assistant Registrar of Co-operative Societies<\/em><\/li>\n\n\n\n<li><strong>Citation<\/strong>: 2024 LiveLaw (Ker) 823<\/li>\n\n\n\n<li><strong>Petitioner\u2019s Counsel<\/strong>: Advocates P. N. Mohanan, C. P. Sabari, Amrutha Suresh, Gilroy Rozario<\/li>\n\n\n\n<li><strong>Respondent\u2019s Counsel<\/strong>: Advocate Resmi Thomas<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Implications of the Judgment<\/strong><\/h3>\n\n\n\n<p>This judgment reinforces the principle that financial recovery methods must respect constitutional rights. Public shaming or invasion of privacy, even if effective, cannot override the dignity and reputation of individuals. Banks and financial institutions are urged to adhere strictly to legally prescribed recovery mechanisms.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/www.axisbank.com\/progress-with-us-articles\/money-matters\/borrow\/personal-loan-defaulter-legal-action\">Image Source<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Court\u2019s Ruling on Loan Defaulters The Kerala High Court has unequivocally held that banks are not permitted to publish the photos and details of defaulting borrowers to compel loan repayment. Justice Murali Purushothaman observed that such measures infringe upon a person&#8217;s fundamental right to live with dignity and reputation. Background of the Case The case [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":1288891,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[21],"tags":[6783,6784],"class_list":["post-1288886","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-kerala-high-court","tag-loan-defaulters"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Banks Can&#039;t Publish Pictures Of Defaulters To Recover Loans - Kerala High Court - Trak.in - Indian Business of Tech, Mobile &amp; Startups<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trak.in\/stories\/banks-cant-publish-pictures-of-defaulters-to-recover-loans-kerala-high-court\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banks Can&#039;t Publish Pictures Of Defaulters To Recover Loans - Kerala High Court - Trak.in - Indian Business of Tech, Mobile &amp; Startups\" \/>\n<meta property=\"og:description\" content=\"Court\u2019s Ruling on Loan Defaulters The Kerala High Court has unequivocally held that banks are not permitted to publish the photos and details of defaulting borrowers to compel loan repayment. 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