28. Hypothecated vehicle – Repossession without seven-day notice and by breaking open steering lock at dead of night amounted to unauthorised and arbitrary seizure, violating Articles 14 and 21 – Sale not set aside as vehicle already sold – Financier directed to close loan accounts, refund Rs.4,50,000/- with 6% interest and pay Rs.10,00,000/- compensation for mental agony and loss of livelihood. (SC) Decided on: 16.09.2026