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K.R.UDAYABHANU, S.CHANDRAMOHAN NAIR
Rajin Lawrence – Appellant
Versus
Manager HDFC Bank – Respondent


Advocates:
Counsel for the Parties:
For the Appellant: In person
For the Respondent:Sri Sreeram, Advocate.

JUDGMENT

K.R. Udayabhanu, J.—The appellant is the complainant in CC344/05 in the file of CDRF, Thiruvananthapuram. The opposite parties/financiers are under orders to revise the statement of accounts pertaining to the complainant by reduction of certain cheque bouncing charges and also to pay Rs.10,000 as compensation which shall be adjusted in the net principal outstanding as on 18.6.2004 and to issue a fresh revised statement of account and revised E.M.Is as per the terms of the Agreement.

It is the case of the complainant that she availed a car loan from the opposite party in November, 2001 for a sum of Rs.3,00,000 to be repaid in 5 years in 60 E.M.Is. She issued 60 post-dated cheques. Last E.M.I. collected by the agent was on 10.6.2004. Then the complainant had remitted Rs.1,00,000 with the intention to pre close the loan account. On 18.6.2004 the receipt for the remittal of Rs.1,00,000 was given to her by the collection agent. Earlier due to the discrepancies in accounting she closed the bank account and had given instruction with the E.M.Is will be paid personally and directed not to present any cheque as there is no account for her with the opposite party/bank. Thereafter the










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