An application can be filed within the limits of DRT, where the cause of action whole or in part arises or the secured asset is located or the Branch of secured creditor is maintaining the account of debt – UCO Bank Vs. Ram Pal Soni – DRAT Allahabad Bench

The secured creditor may authorize any Chief Manager to initiate the recovery proceedings. It is not the necessary that the officer belonging to same branch or the same Zonal Office is required to be authorized for the purpose. The issuance of notice cannot be treated as cause of action and rather it is an effect, which comes into force for initiation of recovery proceedings. Thus, the issue of notice is result of non payment of the dues. Since any of the officers of the Bank may be authorized for this purpose, hence the same may be issued from any office of the secured creditors.

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