S.P. Kapoor, Member—This is an appeal against order of District Consumer Disputes Redressal Form-I, U.T., Chandigarh(for short hereinafter to be referred as District Forum) dated 14.8.2007 in complaint case No.855 of 2006, Sh. Jatinder Pal Singh v. ICICI Bank and another.

2. Briefly stated the averments made in the complaint are that the complainant purchased a Fiat Petra Diesel Car from OP No.2 on 7.4.2004. The total value of the car was Rs.6,26,000 and he paid the amount of Rs.1,26,000 whereas the balance amount of Rs.5,00,000 was to be finance by OP No.1. Accordingly, the complainant handed over a post-dated cheque of Rs.5,00,000 as security amount. The amount of Rs.5,00,000 of loan was to be repaid by 48 EMIs of Rs.12,650. The complainant gave 48 post-dated cheques of the EMI amount out of which cheque for the month of May 2006 was in the name of Maya Finance towards one advance instalments and the balance 47 cheques were issued in favour of ICICI Bank who had financed the loan. It is averred that the complainant never defaulted in the payment but surprisingly when the son of the complainant went to the premises of OP No.2 on 22.9.2006 to get the second service of the c