was no default till date; that the respondent bank after 14 years of grant of the above said two loans, has mischievously clubbed the unsecured premium loan of Rs. 76,245/- with the secured housing loan of Rs. 10 lacs in which there was not even a single default since inception; that the account was illegally classified as NPA; that the applicant had housing loan of Rs. 10 lacs for construction of the house measuring 150 square yards described as house No. 800/2 within Khasra No. 1672/1,1673, Acharyapuri, Mata Road, Gurugram, Haryana, in which loan was repayable in 180 EMIs of Rs. 12,400/each after moratorium period of 12 months; that to secure the aforesaid loan, the applicant created equitable mortgage of the above mentioned residential property in favour of the respondent bank by depositing its original title deed (gift deed); that EMIs were to start with effect from April, 2008 but for the reasons best known, the respondent bank started debiting the EMIs from the designated account of the applicant with effect from December, 2007, i.e. four months prior to the expiry of the moratorium period and thus, repayment of the said housing loan of Rs. 10 lacs was to expire in November, 2022 instead of March, 2023; that without even a single default, the EMIs were paid with effect from December, 2007 till June, 2022 and the said EMIs would be paid regularly till November, 2022 as per the loan repayment tenure; that vide letter dated 07.02.2022, the respondent bank had advised the applicant to regularise the housing loan account by paying the above said overdue amount and change the EMI amount or submit willingness to extend the period within 7 days failing which deemed willingness to extend repayment period of existing EMIs will be assumed; that vide letter dated 15.02.2022, the applicant had requested the respondent bank to first provide him copy
