Banking – Loan agreement  – Contract  – Handwritten terms  – Hand-written lines in clause 10 of the Letter of arrangement incorporated entitling  to take over charges – Documents in the original agreement never contained the same – Bank not entitled to charges. [PLRonline 33013]

The documents which were supplied by Bank at the time of renewal and the documents downloaded from e-mail, did not contain the above said condition – On account of absence of any hand-written point in clause 10 of the general terms and conditions which was supplied by the petitioner Bank at the time of renewal, Bank held not liable to recover pre-payment charges/ take over charges – Held, Condition for recovery of charge @ 4.25% has been illegally incorporated in the agreement.