“COPY” CopyHouses•Japan “COPY” ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/20020/house-of-inclusion-form-kouichi-kimura Clipboard Save this picture!+ 18 Share House of Inclusion / FORM | Kouichi KimuraSave this projectSaveHouse of Inclusion / FORM | Kouichi Kimura ArchDaily Projects Houses House of Inclusion / FORM | Kouichi Kimura CopyAbout this officeFORM | Kouichi KimuraOfficeFollowProductsSteelConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesHousesJapanPublished on May 19, 2009Cite: “House of Inclusion / FORM | Kouichi Kimura” 19 May 2009. ArchDaily. Accessed 12 Jun 2021.
AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis 15 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Charities Aid Foundation is to roll some of its websites into one multi-functional site early this year, with the aim of delivering improved content, service and security levels. Over the past ten years CAF has developed a number of websites to make its services more widely available and to develop the online infrastructure for the UK voluntary sector.These include charitynet.org, the main corporate site cafonline.org, givenow.org, allaboutgiving.org, cafbank.org, and ccinet.org Advertisement Howard Lake | 4 January 2006 | News Tagged with: Digital The new single site will feature an improved search tool allowing visitors to search a database of 238,000 charities registered with the Charity Commission plus other exempted organisations. It has been designed to help visitors find charities which match their interests.The facility will allow you to search for a charity by:* keyword* cause (eg education, the environment, health)* annual income* location* whether it operates overseasThe results pages will include the ability to donate online to charities listed. CAF says that it currently processes around 200,000 online charity searches, “distributing £14m in donations every year as a result”. CAF to combine its websites About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.
Minor Changes in June WASDE Report Battle Resistance With the Soy Checkoff ‘Take Action’ Program Previous articleUSDA Accepting Applications for Biofuels Infrastructure FundingNext articleAnother Weekend of Heavy Rain Damages Indiana Crops Gary Truitt RELATED ARTICLESMORE FROM AUTHOR SHARE By Gary Truitt – Jun 15, 2015 Wheat ZWN21 (JUL 21) 680.75 -3.00 STAY CONNECTED5,545FansLike3,961FollowersFollow187SubscribersSubscribe Going local is the new food craze. Restaurants are listing where they source their food, retailers are setting up sections of locally produced products, and some food zealots are pushing the all local diet. Book stores are filled with books on eating local, and food magazines feature cover stories that extol the virtues of eating local. The problem is much of the information about, perceptions of, and rationale for eating local is a hoax.The justification for eating local falls into several categories: it is good for the local economy, it is good the environment, it is better for your health, or it makes you’re a morally superior individual. While there is nothing wrong with eating local, if you are doing so for any of the above reasons, you are being duped.Let’s stop here and discuss what we mean by local. There is no common agreement on what constitutes local food. A recent survey by the Indiana State Department of Agriculture indicates that for most consumers local is within 50 miles. About 20% of those surveyed said within 100 miles. Twenty-five percent of those surveyed said being locally produced would not be enough for them to change their buying decision. Over 40% said they would not likely pay more for food items produced locally. In short, the survey showed that there is a certain group of shoppers who will drive further and pay more for locally produced food — but this group is not the majority of consumers.About 25% of consumers in the ISDA study said they shopped at farmers’ markets. But shopping at a farmers’ market is no guarantee of local origin. While many products may come from just down the road, it is also common for vendors to buy from other farmers hundreds or thousands of miles away. Some markets have restrictions on this practice, but not all do. Because a farmer adds variety to his market offerings by selling products grown in another state does that somehow make that product less appealing? Currently, Indiana is not able to even supply the demands of most farmers’ markets. Only 2.4% of Hoosier farms grow vegetables; and only 1.0% grow fruits, berries, and tree nuts. Only 63,000 acres in the state are used for growing specialty crops. This is why 90% of the food consumed in Indiana comes from outside of the state.The environmental magazine Grist recently published an article that claimed, “90 percent of our diets could be local — but only if we nix Big Ag.” This audacious and totally ridiculous claim was based on a study by 2 researchers at the University of California, Merced. Their conclusion was that as much as 90 percent of our diets could come from locally grown food — if we completely revolutionize our entire farm system. They admitted their study was theoretical, not practical, and would require some substantial changes in the US diet. Their argument, however, reveals a key flaw in the local food movement: big is bad. What locavores fail to realize is that, if more and more people get more and more of their food from local sources, the local food movement will have to move up to an industrial scale.If we are going to stop shipping milk across the country, then we had better start building dairy processing plants in every large city. In addition, slaughter houses will have to start popping up all over the place in order to supply meat from local farms to local stores. Local zoning boards will have to set aside large sections of land to locate the food processing and distribution centers that would be needed to serve an area of only a few hundred square miles. Ironically, the purpose of the ISDA study mentioned above was to evaluate the feasibility of Food Hubs, a collection of small producers to sell to large food retailers or food co-ops. Some private entrepreneurs are already moving in this direction using the “big ag” model to put locally produced food on store shelves and in freezer cases.If the local food movement really wants to survive and thrive, it needs to take some lessons from the side of agriculture it is so quick to disparage. Locally grown food products are fresher, taste better, and are more appealing to consumers — but only if they are price competitive and available where most people already shop. If the movement wants to become more than just a niche market, it needs to drop the environmental demagoguery and the moral guilt trip that characterizes most advocates of local food. We cannot feed the nation with Saturday morning farmers’ markets; but, with well-developed local food systems, we can provide an opportunity for individual farmers to become involved in the food business and, at the same time, give consumers a taste of fresh local products. The local food movement’s assertion that we can turn back time and return to the days when most of our food came from just down the road is a bogus fallacy. Their assertion that food that comes from across the country or across the world is somehow evil is pure propaganda.So visit a farmers’ market, join a CSA, stop at a farm stand, and enjoy but keep in mind not all of it may be local. But don’t feel guilty if you grab a bunch of bananas from Honduras or some grapes from Chile. Lean Hogs HEM21 (JUN 21) 122.68 0.22 Live Cattle LEM21 (JUN 21) 118.70 1.13 Facebook Twitter SHARE How Indiana Crops are Faring Versus Other States Facebook Twitter Name Sym Last Change All quotes are delayed snapshots By Gary Truitt Corn ZCN21 (JUL 21) 684.50 -14.50 The Myth of Local Food Feeder Cattle GFQ21 (AUG 21) 151.18 2.78 Soybean ZSN21 (JUL 21) 1508.50 -35.50 Home Commentary The Myth of Local Food
Linkedin Snow temporarily stepping down as honors dean Linkedin TCU baseball finds their biggest fan just by saying hello ReddIt printThe No. 15 Horned Frogs are matched up with one of college football’s perennial powerhouses as the No. 4 Buckeyes present a daunting challenge on both sides of the ball.Last week Ohio State trounced Rutgers 52-3 as the Buckeyes recorded 579 yards while allowing just 134.“Ohio State is a really good football team,” said head coach Gary Patterson. “With the passing game and who they have up front, maybe one of the better ones I’ve seen. We have a lot of work to do.”Buckeye quarterback, sophomore Dwayne Haskins already has Heisman buzz with two impressive performances. He has thrown for 546 yards and nine touchdowns on 42-53 passing.Ohio State quarterback Dwayne Haskins plays against Rutgers during an NCAA college football game Saturday, Sept. 8, 2018, in Columbus, Ohio. (AP Photo/Jay LaPrete)“He can for sure throw, but he can definitely move too,” said TCU safety Niko Small. “With the film I’ve watched, that guy can definitely move around when he wants too. He makes smart decisions, and he doesn’t want his body to get too banged up because he knows he’s a good player. He can do it all.”The Buckeyes rushing attack averages 300 yards per game, 12th in the nation. Junior running back Mike Weber has led the way with 247 yards and three touchdowns.Overall, Ohio State boasts the second-best offense in the nation, averaging 650 yards per game and 64.5 points per game.“It’s a testament to how good that program is and how good their coaching is,” Small said. “It’s another test and a piece of adversity for us to focus on.”Small said he anticipates the game will be won at the line of scrimmage and said the defensive front will have a huge impact on the outcome of the game.“Those dudes make it so much easier for us,” Small said. “When they eat, we eat, and it’s not the other way around. When they get pressure on the run game or the quarterback, they just toss up balls for us.”Headlined by defensive end Ben Banogu and defensive tackle Corey Bethley, TCU’s defense has allowed just 10 points this season while recording 12.5 tackles for loss. The defense has proven themselves against elite offenses in the past, as six of their 14 games last season were against top-20 offenses.Defensive end L.J. Collier will return to the lineup this weekend, but that does not confirm defensive end Ty Summers’ return to linebacker.“Ty will play both,” said Patterson. “He’s had two sacks in two ball games. One of the easiest ways for them to not throw the ball is a good pass rush.”TCU’s defense will be challenged by Ohio State’s dynamic offense. Photo by Cristian ArguetaSoto.On the other side of the ball, TCU’s young offensive line will be tested against the nation’s No. 17 defense, highlighted by junior defensive end Nick Bosa.Bose leads the team with nine tackles and five tackles for loss through the first two weeks. He has achieved one sack in five consecutive contests.“This is a big test,” said Patterson. “Three out of their four defensive linemen are first-round choices. Bosa’s playing at the highest level he’s played at. We have some work to do.”Ohio State has two other linemen who have achieved multiple sacks so far, defensive tackle Dre’Mont Jones and defensive end Chase Young.“The defensive line is obviously good we know that, but at the same time we’re just playing football,” said center Kellton Hollins. Ohio State defensive lineman Nick Bosa plays against Rutgers during an NCAA college football game Saturday, Sept. 8, 2018, in Columbus, Ohio. (AP Photo/Jay LaPrete)While the Buckeyes will be TCU’s toughest challenge this season, Patterson sees no difference between them and the Wisconsin team they faced in the 2011 Rose Bowl. The Badgers were averaging 50 points per game heading into the Rose Bowl seven years ago.The Buckeyes and the Horned Frogs will hit the gridiron 7 p.m. Saturday evening on national television in Arlington, Texas. Having played in AT&T Stadium a season ago, the Horned Frogs are comfortable under the bright lights of Jerry World.“It’s exciting,” said Hollins. “It’s a childhood dream I get to live out. I’ve always watched college football growing up. I’ve dreamed of being on the TV one day, and now I’m living that out.” Robbie Vaglio Robbie Vagliohttps://www.tcu360.com/author/robbie-vaglio/ TCU wants ex-professor’s discrimination suit dismissed Robbie Vagliohttps://www.tcu360.com/author/robbie-vaglio/ I am the executive editor of TCU 360 from Raleigh, North Carolina. If you walk by my desk in the newsroom you’ll immediately know I’m Post Malone’s biggest fan. I’m always looking for a good story to tell! If you have any story ideas, feel free to reach out! Go Panthers! Twitter + posts Two students joined harassment and discrimination lawsuit against TCU TCU’s defense will be challenged by Ohio State’s dynamic offense. TCU vs SMU. Photo by Cristian ArguetaSoto. Facebook What to watch during quarantine Robbie Vagliohttps://www.tcu360.com/author/robbie-vaglio/ Facebook Robbie Vagliohttps://www.tcu360.com/author/robbie-vaglio/ TCU rowing program strengthens after facing COVID-19 setbacks Previous articleReview: “The Nun” gets a jump on scary movie seasonNext articleBluebonnet Circle construction nears completion Robbie Vaglio RELATED ARTICLESMORE FROM AUTHOR Twitter ReddIt Another series win lands TCU Baseball in the top 5, earns Sikes conference award
center column 5 A Uniquely Different Basketball Camp Coach Eslinger’s basketball academy teaches kids more than just shooting a basketball By FRANZ A.D. MORALES Published on Tuesday, April 30, 2013 | 12:59 pm 11 recommended0 commentsShareShareTweetSharePin it faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Your email address will not be published. Required fields are marked * Community News Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Herbeauty8 Celebrities Who’ve Lost Their FandomsHerbeautyHerbeautyHerbeauty10 Secrets That Eastern Women Swear By To Stay Young LongerHerbeautyHerbeautyHerbeauty8 Easy Exotic Meals Anyone Can MakeHerbeautyHerbeautyHerbeauty10 Vietnamese Stunners That Will Take Your Breath AwayHerbeautyHerbeautyHerbeauty12 Most Breathtaking Trends In Fashion HistoryHerbeautyHerbeautyHerbeauty10 Instagram Girls Women Obsess OverHerbeautyHerbeauty Top of the News Basketball is more than just learning how to shoot and dribble. It’s more than just a bunch of kids running around trying to score.While most basketball camps “kind of throw the ball out there and try to make money and thereâ€™s not a lot of teaching going on,” says Coach (“Doc”) Oliver Eslinger, head basketball coach of Caltech and the man behind Doc’s Youth Basketball Academy, “I want ours to be all about teaching, teaching how to play the game the right way, teaching strong fundamentals and skills and using a lot of the drills we do.”By teaching the fundamentals, students of Doc’s camp will learn not just the basics of the sport, but also the rules, and intangibles that go along with it.“I want to make ours a balance of interaction and building relationships but also teaching the right way how to play instead of a lot of what we see out there now,” says Eslinger.Other camps usually take the tallest guy and automatically make him a center, while the short ones are turned into guards, but Eslinger’s camp’s philosophy is not about that. It’s all about being versatile.“Our philosophy is we want to teach all the skills to everybody and provide opportunities for versatility, because weâ€™re trying to create complete basketball players,” says Eslinger.Though the camp will be mainly about basketball fundamentals, the psychology behind it is also taught. The mental game is just as important.“How you learn and how youâ€™re able to improve by learning life skills like being able to communicate, being able to look in a coachâ€™s eyes, being able to ask questions, being able to focus. I have a doctorate in sports psychology and thatâ€™s where the part of that comes in,” says Eslinger.Registration for the camp will be up to May 6th to ensure enrollment, though Eslinger says “weâ€™re going to keep it open until the beginning.”Start of the Academy will be on June 17th through the 21st, Monday to Friday with a second session from June 24th through the 28th.For more information on Doc’s Youth Basketball Academy, or to register online, visit http://www.docsbballacademy.com or call (626) 395-3264.You can also contact Doc via email [email protected] Name (required) Mail (required) (not be published) Website Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Subscribe Business News More Cool Stuff Community News Make a comment First Heatwave Expected Next Week
Barnhartâ€™s 8th grade students are on their culminating field study trip this week in Washington, DC. Although there was concern that their experience on this trip would be dampened due to the Government shutdown, it’s apparent that they are learning important life lessons! They were able to visit many of the memorials, including the World War II Memorial, by exercising their 1st Amendment Rights.The Washington Times published an article today with many photos of the Barnhart students visiting the WWII Memorial. So instead of the lack of access to important historical sites dampening their experience, it looks like the only “damp” they are experiencing is the rain.Barnhart School, 240 W. Colorado Blvd., Â Arcadia, (626) 446-5588 or visit www.barnhartschool.org. Community News Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Make a comment More Cool Stuff center column 5 Barnhart School’s Class of 2014 Visits Washington DC Article and Photos courtesy of BARNHART SCHOOL Published on Friday, October 11, 2013 | 4:36 pm Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Community News First Heatwave Expected Next Week EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday HerbeautyIs It Bad To Give Your Boyfriend An Ultimatum?HerbeautyHerbeautyHerbeauty7 Most Startling Movie Moments We Didn’t Realize Were InsensitiveHerbeautyHerbeautyHerbeauty9 Of The Best Family Friendly Dog BreedsHerbeautyHerbeautyHerbeautyThese Are 15 Great Style Tips From Asian WomenHerbeautyHerbeautyHerbeauty5 Things To Avoid If You Want To Have Whiter TeethHerbeautyHerbeautyHerbeautyWhat’s Your Zodiac Flower Sign?HerbeautyHerbeauty 8 recommended0 commentsShareShareTweetSharePin it Subscribe Business News Your email address will not be published. Required fields are marked * Top of the News Name (required) Mail (required) (not be published) Website Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena
NewsBusinessThis summer could see us all eating outBy Staff Reporter – March 12, 2021 348 Twitter EATING out could have a very literal meaning this summer if Limerick Chamber succeeds in persuading the City and Council Council to support its concept of outdoor dining.The Chamber has been in contact with the council about transforming the dining experience in the city and county towns to support local hospitality businesses.Chamber chief executive Dee Ryan said that the reduction in seating available for indoor dining because of Covid restrictions had dramatically impacted on revenue and made trading very difficult.Sign up for the weekly Limerick Post newsletter Sign Up “The council responded to that last year by making some parklets available and running animations for businesses and we are asking that those initiatives be expanded this summer,” she explained.“Even in the best-case scenario, social distancing is going to be part of our summer so it’s essential we help restaurant and cafes bring their business out onto the streets, serve more customers than they would otherwise be able to and stay trading.“One of key things we are discussing with the council is the introduction of a simplified process for expressions of interest for requisitioning parking spaces directly outside of premises for table and chairs.“Parklets are preferable but we’d also like to see a simplified option for businesses with funds being made available for windbreakers and planting to enhance the customer experience and above all, temporary measures being put in to ensure the spaces set aside are safe for use.”Ms Ryan said the council has confirmed that the waiver fee offered last year to businesses who availed of outdoor spaces will also apply in 2021. Traders must still apply to get the licence for outdoor table and chairs but the fees will be waived.“This is very important as it means that the local authority is making the option available and doing so free of charge. I am informed that Council officials are engaging with Failte Ireland to access new funding in support of animation for visitor experience of Limerick.“We have also asked the council to look at greening urban spaces with trees, hedging or flowers so that this year, of all years, Limerick stands out.’Commending the Council on the outdoor lighting along the riverfront, Ms Ryan continued: “It has been a really difficult time for the tourism and hospitality sector, so it is essential we do the maximum possible to support a summer reopening for residents and visitors.“It is going to be an outdoor summer by necessity and the Chamber is committed to supporting the Limerick hospitality sector to make the best of the months ahead,” Ms Ryan concluded. WhatsApp Email Facebook Previous articleNew album from Shane O’Neill, ‘No More Clones’ out nowNext articleFamily still seeking answers over failure to identify son’s remains Staff Reporterhttp://www.limerickpost.ie Advertisement Print Linkedin
Twitter Google+ Twitter 75 positive cases of Covid confirmed in North WhatsApp Further drop in people receiving PUP in Donegal Homepage BannerNews WhatsApp Gardai continue to investigate Kilmacrennan fire Pinterest Main Evening News, Sport and Obituaries Tuesday May 25th Facebook RELATED ARTICLESMORE FROM AUTHOR Previous articleHighland’s Farming News – Thursday 4th AugustNext articleSimon Cowell jokes he smokes 80 cigarettes A DAY as he starts vaping in a bid to quit News Highland Man detained in Letterkenny in connection with Denis Donaldson murder Facebook 365 additional cases of Covid-19 in Republic Denis DonaldsonGardai investigating the murder of Denis Donaldson in 2006 have arrested a male aged in his 40’s. He is currently detained at Letterkenny Garda Station under the provisions of Section 30 of the Offences Against the State Act 1939 as amended.Donaldson was a prominent Sinn Féin member, he was shot dead at his home near Glenties in Co. Donegal in April 2006.It happened not long after he’d been exposed as an agent for the British security service MI5 and the Real IRA later claimed responsibility.Last week Patrick Gillespie, with an address at Craigvar Street in Glasgow, was charged with withholding information from the Garda murder investigation.Mr Gillespie was granted bail on a bond of 6,600 euro.Under the terms he must surrender his passport and not attempt to leave the country.He’s required to live at an address in Co Donegal and sign on every week at Letterkenny garda station.The court also directed him to get an Irish mobile phone which is to be left on at all times. By News Highland – August 4, 2016 Pinterest Google+ Man arrested on suspicion of drugs and criminal property offences in Derry
Know the LawSARFAESI, Debt Recovery & Banking Laws : Recent Important Decisions Pragati Aggarwal12 July 2020 7:43 AMShare This – x1. Telangana State Southern Power Distribution Co. Ltd vs M/S Srigdhaa Beverages(Delivered by Supreme Court on 01.06.2020) Brief Facts Respondent – auction purchaser of the property of M/s. SB Beverages Private Limited failed to pay its dues, resulting in the auction by Syndicate Bank (Secured Creditor) under SARFAESI Act Whether the liability…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?Login1. Telangana State Southern Power Distribution Co. Ltd vs M/S Srigdhaa Beverages(Delivered by Supreme Court on 01.06.2020) Brief Facts Respondent – auction purchaser of the property of M/s. SB Beverages Private Limited failed to pay its dues, resulting in the auction by Syndicate Bank (Secured Creditor) under SARFAESI Act Whether the liability towards previous electricity dues of the last owner could be mulled on to the respondent. Ratio: Electricity dues, where they are statutory in character under the Electricity Act and as per the terms & conditions of supply, cannot be waived in view of the provisions of the Act itself more specifically u/s 56 of the Electricity Act, 2003 (in pari materia with Section 24 of the Electricity Act, 1910), and cannot partake the character of dues of purely contractual nature. Where, as in cases of the E-auction notice in question, the existence of electricity dues, whether quantified or not, has been specifically mentioned as a liability of the purchaser and the sale is on “AS IS WHERE IS, WHATEVER THERE IS AND WITHOUT RECOURSE BASIS”, there can be no doubt that the liability to pay electricity dues exists on the respondent Click here to read the judgment2. Pandurang Ganpati Chaugale vs. Vishwasrao Patil Murgud Sahakari Bank Ltd (Delivered by Supreme Court on 05.05.2020) Brief facts: The court framed the following questions Whether cooperative banks both at the State level and multiState level are ‘banks’ for applicability of the SARFAESI Act? Whether provisions of Section 2(c) (iva) of the SARFAESI Act on account of inclusion of multi-state cooperative banks and notification dated 28.1.2003 notifying cooperative banks in the State are ultra vires Ratio The cooperative banks under the State legislation and multi-state cooperative banks are ‘banks’ under section 2(1)(c) of SARFAESI. The recovery is an essential part of banking; as such, the recovery procedure prescribed under section 13 of the SARFAESI Act, is applicable. The Parliament has legislative competence under Entry 45 of List I of the Seventh Schedule of the Constitution of India to provide additional procedures for recovery under section 13 of the SARFAESI with respect to co operative banks. The provisions of Section 2(1)(c)(iva), of SARFAESI, adding ‘a multi-state cooperative bank’ is not ultra vires.Coopearative banks have to act under Banking Regulation Act with respect to banking business.Click here to read the judgment 3. K. Virupaksha vs. The State Of Karnataka (delivered by Supreme Court on 03.03.2020) Brief facts Complainant filed complaint in Court of the Principal Civil Judge (Junior Division) and JMFC alleging that Officers of bank in connivance with auction purchaser had caused wrongful loss to Complainant.FIR was registered against Appellants for alleged offences punishable under Sections 511, 109, 34, 120-B, 406, 409, 420, 405, 417 and 426 of Code Ratio The sanction of loan, creation of mortgage and the manner in which the sanctioned loan was to be released were all contractual matters between the parties. The Petitioner after dismissal of the application before the DRT filed the impugned complaint which appears to be an intimidatory tactic and an afterthought which was an abuse of the process of law. Entertaining the complaint and allowing the investigation to continue, would amount to permitting the jurisdictional police to redo the process which would be in the nature of reviewing the order passed by the Single Judge and the Division Bench in the writ proceedings by the High Court and the orders passed by the competent Court under the SARFAESI Act which was neither desirable nor permissible and the banking system could not be allowed to be held to ransom by such intimidation. Click here to read the judgment4. Union Bank of India Vs Rajat Infrastructure Pvt. Ltd. (delivered by Supreme Court on 02.03.2020) Brief Facts SLP filed against the order of High Court holding that no pre-deposit is required for entertaining an appeal before DRAT as mandated by S. 18 of SARFAESI.Respondent – guarantor and mortgager – objected to the sale of the secured asset on the ground that it is for a low amount and there is collusion between the officers of the Bank and the auction purchaser. Order of DRAT challenged before HC and HC held that no pre-deposit is required for the reason under the impugned order, no decree has been passed or liability fixed. Ratio The Court, while relying on the case of Narayan Chandra Ghosh vs. UCO Bank & Ors., held that DRAT Cannot Entertain An Appeal U/s 18 SARFAESI Act Without Insisting On Pre- Deposit. On the Contention of Respondent that he is not a borrower, the court held that a guarantor or a mortgagor, who has mortgaged its property to secure the repayment of the loan, stands on the same footing as a borrower and if he wants to file an appeal, he must comply with the terms of Section 18 of the SARFAESI Act. Click here to read the judgment5. Standard Chartered Bank Vs MSTC Limited (Delivered by Supreme Court on 21.01.2020) Brief Facts SCB filed an IA seeking a decree on admission against MSTC in recovery proceedings pending before the DRT Mumbai which was allowed.MSTC Appeal against the above Decree before DRAT and Review Petition before DRT.Rule 5A of the DRT Rules prescribes a 30 day limitation period for filing of a review application and MSTC filed its Review Application with a delay of 28 days. Subsequently, the Appeal was withdrawn by MSTC and MSTC instituted an application to condone the delay in filing of the Review Application.DRT dismissed the application for condonation of delay holding that it did not have the power to condone delay in filing of a review applications under the RDB Act. MSTC challenged the Order of DRT by filing a writ petition before the Bombay High Court which was allowed on 3 May 2019. SCB challenged the High Court’s decision before the Supreme Court. Ratio SC held that the Tribunal does not have the power to condone delay in filing of a review application. Section 5 of the Limitation Act and its provision to condone delay by Debts Recovery Tribunal u/s 24 of RDB Act apply only to review petitions and not to the original applications filed under Section 19 of RDB Act and not to review petitions. Click here to read the judgment6. Trans Asian Industries vs. Jammu & Kashmir Bank Ltd(Delivered by Delhi High Court on 28.02.2020) Brief Facts WP was filed challenging the order of CMM wherein it was directed that the order appointing Receivers shall stand extended for another three months, on the ground that u/s 14 of the SARFAESI Act, 2002, the CMM has to appoint the Receiver within a maximum period of 60 days from the date of the filing of the application and beyond the said period, no orders for appointing Receivers or extending their power can be passed. Ratio After a period of 60 days, CMM does not lose the power to give effect to orders extending the term of Receivers, or to substitute a Receiver already appointed. Click here to read the judgment7. Rahul Chaudhary vs. Andhra Bank delivered by Delhi High Court on 17.01.2020 Brief Facts Writ Petition filed against the order of CMM appointing the Advocate as receiver to take possession of the secured assets Ratio Delhi High Court held that there is no bar on the appointment of an Advocate as a ‘Receiver’ under the provisions of the SARFAESI Act. Section 14 (1A) in fact conferred discretion on the DM/CMM to appoint their subordinate officers as receivers. Therefore, it didn’t bar the appointment of Advocates as such. Click here to read judgment8. Iifl Home Finance Ltd vs State Of Maharashtra delivered by Bombay High Court on 05.03.2020 Brief Facts DM, Aurangabad refused to entertain S. 14 SARFAESI Application filed by the bank on the ground that he does not possess the authority u/s 14 of the SARFAESI Act and the authority vests with Chief Judicial Magistrate. Ratio The jurisdiction of the Chief Metropolitan Magistrate and/or District Magistrate is concurrent. The use of the word, “or” in S.14 signifies that the Chief Metropolitan Magistrate and the District Magistrate both can exercise powers u/s 14 of the SARFAESI Act. Click here to read judgment9. L and T Housing Finance Ltd. vs The State of Maharashtra delivered by Bombay High Court on 09.01.2020 Brief Facts Whether Section 243 of the Maharashtra Land Revenue Code, 1966 permits Collector or an Officer under the jurisdiction of the Collector appointed by the Collector as the authorized Officer under Section 14 of the SARFAESI Act, 2002 to take physical possession of a secured asset can demand processing fee/administrative costs/Setu fee to take possession of the secured asset mortgaged to a Bank or a financial institution which is entitled to take action under SARFAESI Act, 2002. Ratio In discharge of duty under Section 14 of the SARFAESI Act, neither the Collector nor an Officer authorized by the Collector to take possession of his secured asset, can require the applicant to deposit any processing fee/administrative fee/Setu fee/costs. Click here to read judgment10. IFCI Ltd Vs Lucknow Municipal Corporation delivered by Allahabad High Court on 29.04.2020 Brief Facts: Lucknow Nagar Nigam leased out the property to Uptron India Ltd. which was further mortgaged by Uptron to the Appellants.On default, SARFAESI action was taken and the property was put to auction.The Lessor, aggrieved by the auction sale filed a Writ Petition whereby, the Appellants were restrained from confirming sale proceedings. Lucknow Nagar Nigam terminated the lease.Present writ filed. Ratio “Borrower” would cover any person or institution who claims any right in the secured asset as legal heir/successor/representative/assignee/attorney of “borrower” or “guarantor” and would also cover “any person” who by virtue of lawful agreement enters into the shoes of “borrower” or “guarantor”. Expression “borrower” would also cover any person who is covered under Section 13 (4) (d) of the Act of 2002. As such, a person who is not in the category, as stated, would not be considered as “borrower”.Person who is covered under the expression ‘borrower’ and “a person” who is covered under Section 13 (4) (d) of the Act of 2002 being “a person” aggrieved by the measures adopted by the secured creditor under Section 13(4) of the Act of 2002, can approach to the appellate forum provided under Section 17 of the Act of 2002.Lucknow Nagar Nigam neither the borrower not “any person” u/s 13(4)d and therefore cannot appeal u/s 17. Click here to read judgment11. Shakuntala Devi Jan Kalyan Samiti vs. State of U.P. delivered by Allahabad High Court on 28.01.2020 Brief Facts WP filed against the order of CJM. Ratio Since in the statute itself there is no provision for giving opportunity of hearing in an action under Section 14 of the Act, the High Court cannot provide such opportunity of hearing to the writ petitioner. It is settled position in law that the Court ought to decide matters on the basis of law as it exists and declare the same instead on the basis of what law should be. Click here to read judgment12. Krishna Enterprise vs. Axis Bank Ltd delivered by Hon’ble Calcutta High Court on 06.03.2020 Brief Facts S. 17 SARFAESI Application partly allowed and demand notice was quashed and the bank was asked to hand over the possession.On Appeal by the Bank in DRAT, the order of DRT was stayed.WP filed on ground that neither SARFAESI nor DRT Act empower the Appellate Tribunal to pass an order of stay. Ratio The substantive powers which have been conferred upon the Appellate Tribunal by Section 20 and section 22 of the Act of 1993 by necessary implication also includes the power to stay the order appealed against to meet the ends of justice. If the Appellate Tribunal does not have the power to stay the order appealed against, the entire purpose of the appeal may be defeated if ultimately the order passed by the Tribunal is set aside. Click here to read judgment13. Travancore Devaswom Board vs The Deputy Examiner delivered by Kerala High Court on 19.05.2020 Brief Facts Registration of a sale carried out under SARFAESI was denied by the Sub Registrar, after noticing entry of a statutory charge relating to value added tax in the tax receipt produced along with the sale certificate for registration. Question – Whether a secured creditor can claim priority for sale and payment over statutory charge holders, due under State enactment. Ratio The provisions of SARFAESI Act and RDB Act (Section 26E of the SARFAESI Act and of Section 31B of the RDB Act) containing provisions commencing with non-obstante clauses and giving specific priority to secured creditors even over the taxes due from the Governments, will prevail over the Kerala Value Added Tax Act, 2003. A secured creditor in whose favour a security interest has been created thus has priority in sale and payment over all other statutory charge holders. Click here to read judgment14. Sanjeev Tiwari vs State Of Uttarakhand delivered by Uttarakhand High Court on 05.06.2020 Brief Facts Bank proceeded under SARFAESI.Application filed by borrower u/s 156 (3) of CrPC to open an investigation into alleged possession of the plant without notice.Rejected on the ground that no criminal action can be taken once, SARFAESI proceedings have begun and rejection confirmed in revision.Present Petition u/s 482 CrPC Ratio Matter already reached conclusion in the Writ Petition that the Bank did not lock the premises. The Bank was taking recourse to S. 13 SARFAESI Act for the recovery of outstanding dues. If the measures were wrong and the company was aggrieved definitely, recourse to Section 17 of the SARFAESI Act could have been taken. Criminal prosecution cannot be allowed to be launched in such cases. Appl. u/s156 (3) does not disclose any cognizable offence. It appears to have been moved by the petitioner to pressurize the Bank so that they may, under fear of criminal prosecution, settle the Case with the petitioner on his terms. Click here to read judgment15. Radiant Rubber Industries vs. State Bank of India delivered by DRAT, Kolkata on 15.01.2020 Brief Facts SA filed by the borrowers allowed by DRAT. In the SA, the Appellant/Borrower also asked for damages.Appellant further moved an interlocutory application u/s 19 of SARFAESI for seeking damages which was partly allowed.Review filed by the Respondent banks in DRT against the above order on the ground of maintainability of S. 19 application which was allowed.Appellants/Borrower filed the present Appeal Ratio If the borrower/guarantor has claimed damages in the S.A., then the same is required to be decided by the DRT or DRAT in the same proceedings and the S.A. applicant cannot file application under Sec. 19 of SARFAESI Act thereafter. Click here to read the judgment16. Frost Infrastructure and Energy Ltd. vs. Indian Overseas Bank delivered by DRAT Allahabad on 27.01.2020 Brief Facts Application for condonation of delay by the defendants was dismissed by the DRT and the written statement and counter claim were rejected, observing that they have already lost their right to file written statement or counter claim having failed to do so within 30 days and also in the additional 15 days from the date of receipt of original summons.Appeal by the defendants.It was argued that limitation is not applicable for filing of counter-claim Ratio Thus, even if, the term “counter claim” is not included in proviso to section 19(5)(i) of the RDDBFI Act, it does not make any difference and the stipulated period is applicable in both the cases for filing the written statement as well as the counter claim.Click here to read the judgment(Pragati Aggarwal is an associati of Delhi-based law firm, R P Agrawal & Co) Subscribe to LiveLaw, enjoy Ad free version and other unlimited features, just INR 599 Click here to Subscribe. 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