JUDGMENT

Pinaki Chandra Ghose, J. –

1. Leave granted.

2. This appeal is directed against the judgment dated January 7, 2013 passed by the High Court of Delhi in Writ Petition No. 64 of 2013 dismissing the writ petition filed by the appellant, questioning the vires of Regulation 15 of the Consumer Protection Regulations, 2005 (hereinafter referred to as “the Regulations”) framed under the Consumer Protection Act, 1986 (hereinafter referred to as “the said Act”).

3. The facts of the case briefly are as follows :

(3.1) The appellant filed a complaint before the District Forum under the said Act. The foundation of the filing of such complaint was an allegation made against respondent No. 1 – HDFC Bank Ltd. for indulging in unfair trade practice on the ground of failure to provide professional services to the appellant resulting in pre-payment of loan to respondent No.1 seeking to levy a penalty for pre-payment.

(3.2) By an order dated August 2, 2007, the District Forum held in favour of the appellant. Respondent No.1 preferred an appeal against the said order before the State Commission resulting in dismissal by an order dated November 19, 2007. A revision petition was filed before the Nati