J.M. Malik, Presiding Member—Counsel for parties present. Shri Monojit Bhattarcharya, the complainant received a credit-card from M/s. HDFC Bank Ltd. (OP-1), with credit limit of Rs.1,16,000/-. The bank suo-moto enhanced the credit limit to Rs.1,79,000/- and no consent of the complainant was sought. The case of the complainant is that he did not receive the new credit-card. The old credit-card was blocked w.e.f. 15.06.2007 and its further usage was stopped.

2. The oral submission of the complainant as propounded by his counsel is that he never received the said card, whereas the complainant mentioned in his complaint as under:-

“8. It is further stated that since the card was not asked for by the complainant/petitioner, he refused to accept the said card and returned the same to the opposite parties and the same was duly received back by the opposite parties.In this connection it may be stated herein that the complainant was never intimated by the opposite parties that due to issuance of the aforesaid new credit card, the operation of the earlier credit card will be stopped by them and hence, the petitioner/complainant was under the impression all along that the old card of him