Documents executed: Demand promissory note, Letter of undertaking from the borrower and guarantor, Interest agreement, letter of continuity for CC Limit, Guarantee agreement, Letter of undertaking not to alienate hypothecated goods, General Term loan Agreement all dated 16.05.2017, which are Annexures A6, A8, A10, A11, A14 , A16 & A18 to this OA; Proprietorship firm/individual D.P. Note, Letter of undertaking from the borrower, Letter of Continuity for UGECL, Simple loan agreement, Letter of guarantee for UGECL, Letter of undertaking not to alienate hypothecated goods, all dated 23.06.2020, which are Annexures A7, A9, A12, A13, A15 & A17 to this OA and Statements of loan accounts, which are AnnexuresA20 & A21 to this OA. 5. The loan accounts became irregular and were classified as NPA and after adjusting debit and credit entries in loan accounts there was a debit of Rs.28,39,672.51, which is recoverable and the defendants were served recall notices but they did not repay the outstanding amount, therefore, the applicant requested to accept the application and to issue Recovery Certificate accordingly. 6. The defendants were served notices to appear before this Tribunal but no one appeared on behalf of defendants and they were proceeded ex-parte on 08.04.2025. 7. In support of the OA, affidavit of Sh. Prabhat Ranjan Singh, Chief Manager , Union Bank of India, h as been filed. 8. Heard ex-parte arguments and perused record. 9. It was argued by learned proxy counsel through video conferencing that in view of the documentary evidence brought on record which had gone unrebutted, the applicant had proved its case. From the perusal of all the Annexures A1 to A21, P22 and P23 to this OA, it is proved that the defendants approached applicant for availing of the loan facilities which were granted to them and for that
