P.D. Shenoy, Member—We are stunned to observe that HDFC Bank which has a high standing in the corporate world had hired goondas directly or through their recovery agents to recover the money financed by it.

2. In this case, Tata Indica DLS car was purchased by the respondent with the financial assistance from HDFC Bank. As there was some default, musclemen engaged by the HDFC Bank/its agent forcibly took the possession of the vehicle, which compelled the consumer to file complaint before the District Forum.

3. The District Forum directed that Rs. 4,00,000 may be paid as compensation for mental and physical harassment. This vehicle was also sold subsequent to re-possession and Rs. 1,65,000 was realised by the petitioner. District Forum observed as follows:

“The vehicle was snatched by the OPs on 20.7.2007. The OPs shall not be entitled to any interest with effect from that date on the amount remaining unpaid after adjusting the sale price of Rs.1,65,000. The OPs are, therefore, directed to return the cheques received by them and to redraw the account of the complainant and ascertain the principal amount due from him on 20.7.2007 and adjust the amount of

Rs. 1,65,000 towards t