ORDER

Mr. Justice J.M. Malik, Presiding Member—Counsel for the parties present. Arguments heard. Sh. Sanjay Vasant Salve, the complainant, took loan in the sum of Rs. 4,50,000 from ICICI Bank Ltd. The said loan was to be refunded in 48 Equated Monthly Instalments (EMIs) of Rs. 13,875 each. The first EMI was to be paid on 11.2.2007 but the complainant received a statement dated 19.1.2007 from the Opposite Party, wherein process fee in the sum of Rs. 9,849.08 was demanded with due date 7.2.2007. The grievance of the complainant is that he was not informed about the process fee. The complainant approached the customer care centre. The customer care centre intimated the complainant to pay an amount of Rs. 9,000 immediately as a pre-condition and further the complainant was told that, that amount will be adjusted against first EMI due on 11.2.2007.

2. The Bank issued second bill dated 6.2.2007 showing due amount of Rs. 9,849.08 ps. The case of the petitioner is that he had already paid the amount of Rs. 9,000. Consequently, he ignored the said bill. The Bank issued third bill dated 5.3.2007 demanding an amount of Rs. 13,875 from the complainant including service tax on interest. The compl