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    <description>SARFAESI demand notices under section 13(2) require borrowers to discharge liability within sixty days and do not permit routine publication of a borrower&#039;s or guarantor&#039;s photograph. Newspaper publication is confined to substituted service where the authorised officer has recorded reasons to believe that service is being avoided. Publication of another petitioner&#039;s photograph after service had been received, contrary to applicable bank instructions, exceeded the statutory authority. Corrective publication and costs may be granted for unlawful publication, while compensation requires adequate pleadings establishing specific reputational or goodwill damage.</description>
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