Procedure followed by the bank for educational loan recovery
The appellant sought information regarding recovery of an educational loan given to his son, such as the complaint lodged by him, the action taken by the bank, bank’s code of conduct for loan recovery and any court orders in respect of it. The Public Information Officer (PIO) did not respond to the query. On directions of the First Appellate Authority (FAA), the PIO he sent the copy of the model code of the bank and explained that if family member is deceased the respective shares of a family were adjusted towards repayment of the loan.
During the hearing, the appellant stated that he sought two sets of information where one was related to the loan recovery procedures of the bank and second, the manner in which the bank serviced the son’s educational loan account via his deceased wife’s account. The appellant also alleged that the educational loan recovery was illegally set off from his deceased wife’s account and the bank had supplied only partial information in respect of his RTI application.
View of CIC
The Central Information Commission (CIC) directed the PIO to provide specific information to the appellant on all the counts in the RTI application.
Citation: Shri Phool Kumar v. Central Bank of India in Decision No.CIC/SM/A/2011/001186/VS/00069
RTI Citation : RTIFI/2012/CIC/418
Click here to view original RTI order of Court / Information Commission