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Trapped in a Loan Scam Web: Accused Walks Free on Technicality — Kerala HC

15 Oct 2026

Trapped in a Loan Scam Web: Accused Walks Free on Technicality — Kerala HC
Source (official court record): Bibin Johnson vs State of Kerala, Kerala High Court

Court: Kerala High Court

Ruled in favour of Bibin Johnson (Petitioner / Accused No.1)

In Short

Bibin Johnson was accused of cheating a complainant through a fake loan promise, demanding nude photographs, and posting defamatory content online. He spent over two months in judicial custody while police investigated the cyber crime case. Because the police failed to file their final charge sheet within the legally mandated sixty-day window, the High Court granted him statutory bail.

The Parties

Party A: Bibin Johnson

Party B: State of Kerala

Advocates & Judges

For Party A: Learned Advocate Mr. Arshid M.S., Learned Advocate Mr. Muhammed Azharudeen A.

For Party B: Learned Advocate Mr. Thomas Sabu Vadakkekutu

Judge(s): Hon'ble Justice Dr. Kauser Edappagath

What the Case Was About

Between February and March 2026, a complainant fell victim to a fraudulent loan scheme. According to the prosecution, the accused persons lured the victim with promises of a loan sanction. Following this, the second accused allegedly obtained the victim's nude photographs, threatened her, shared them via WhatsApp, and even uploaded a photo from her WhatsApp profile onto Facebook along with derogatory comments. Bibin Johnson, identified as the main accused, was arrested on July 17, 2026, and locked up while the Cyber Crime Police Station in Palakkad investigated the matter.

Judgment Date

26 September, 2026

The Outcome

The court ruled in favour of the applicant and allowed the bail application. The judge ordered that Bibin Johnson be released on bail subject to executing a bond of Rs. 1,00,000 with two solvent sureties and obeying strict reporting conditions.

What the Court Looked At

What This Means For You

This case highlights a vital legal protection known as statutory or default bail. Even when a person faces very serious cyber crime allegations involving online harassment, blackmail, and fraud, the police are bound by strict timelines to complete their investigation and file a formal charge sheet. If the investigating agency lets the statutory window slip past without filing papers, the accused gains a strong legal right to walk out of jail pending trial. If you or a loved one are stuck behind bars while police miss investigation deadlines, it is vital to track the exact number of days spent in custody. Setback Solutions can help you understand your options and coordinate next steps with plain-language guidance and coordination support.

You Still Have Options

Facing a false FIR or stuck behind bars while waiting for police to finish their investigation can feel overwhelming and frightening. You do not have to navigate these confusing criminal procedures alone when deadlines are missed or investigations drag on endlessly. You can explore options such as seeking a second opinion, changing your legal representation, or obtaining non-judicial guidance on how the system works. Reach out to Setback Solutions for help understanding your options and coordinating the next step. (Please note: Setback Solutions is not a law firm and does not provide legal advice or guarantee any specific court result.)

⚠️ This is an AI-generated article. AI can make mistakes. Please double-check the facts by reading the real order/source linked above rather than relying completely on this article.

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