JUDGMENT :

1. The opposite party is the appellant.

2. The complainant availed a personal loan of Rs.1,00,000/- with the opposite party bank and paid as per the terms and conditions from 5.7.2008 to 5.6.2011 and before which on 19.3.2010 the complainant approached the opposite party for pre-closure of the loan account by paying entire amount of balance and thereby he was forced to pay Rs.43,510/- along with Rs.2248/- towards fore closure charges against the RBI rules and thereby a consumer complaint came to be filed alleging unfair trade practice against the opposite party.

3. The opposite party denying the allegations admitting the fore closure as per the agreement dated 8.6.2008 the complainant agreed to pay the pre closure charges. As per the reply given by the RBI under the RTI Act dated 7.10.2008 freedom has been given to the banks in collecting the amount.

4. The District Forum after an enquiry on the basis of both sides materials allowed the complaint directing the opposite party to refund a sum of Rs.2248/- collected towards pre-closure charges to the complainant with 9% interest from 2.6.2010 and directed to notify the closure of the loan account with CIBIL and to communicate t