• PIL in high court against RBI guidelines for one time settlement

Dear Lawyers,

Need to File a PIL in High Court , need your guidance and help.
As per Reserve bank of India guidelines stated for one time settlement in cooperative banks states that .
The following categories of loans will not be covered by the Scheme:
1. Cases of willful default, frauds and malfeasance.
2. Loans with tie-up arrangement for recovery (e.g. loans availed by salary earners).
3. Loans availed of or guaranteed by Directors or by close relatives of Directors or by firms / companies / institutions in which the Directors are interested or by ex-Directors of respective Urban Co-operative Banks.
4. Loans guaranteed by Government (including cases where Government guarantee has been invoked but not honored by the Government).
5.Loans due from Government Departments / Undertakings.
6. Loans under Government directed programs.
I hereby need to focus on point number 3. Where Rbi States that loans from director or ex director can’t be considered.
By the means of PIL just need to bring upon the things in highlight that why can’t Ex director be given OTS by the bank.
It can be done by setting up a team of experts by RBi , whether the defaulter is Willful or not , whether he did it knowingly to make loss or to take misuse of the directorship In his tenure . And if he is not found guilty why can’t he avail the OTS facility. After all ex director is also a member of Indian constitution.
Today we find many willful defaulters who avail OTS and get escaped from high interest and penalty just because a defaulter is ex director why he is punished even though he is not willful defaulter.
Business doing has so many ups and Downs in view to market , so just a business man who is merely ex director can’t be rejected for OTS just Saying that He was ex director .
Dear lawyers just want to bring this case to give your valuable opinion and want to file a PIL in Court. 
Kindly help me and guide me for the same.


Regards ,
Aditya Sarda