SUBHASH CHANDRA, SADHNA SHANKER
Major (Retd) J S Yadav – Appellant
Versus
Trehan Home Developers Pvt. Ltd. – Respondent
ORDER
Dr. Sadhna Shanker, Member.—The present appeal has been filed under Section 19 of the Consumer Protection Act, 1986 (for short “the Act”) by Major (Retd.) J S Yadav (hereinafter referred to as the “complainant”) assailing the Order dated 26.02.2019 passed by the State Consumer Disputes Redressal Commission, Rajasthan (hereinafter referred to as the “State Commission”) in complaint No.74 of 2017, whereby the complaint was partly allowed.
2. We have heard the learned counsel for the complainant and the learned counsel for the respondents No.1 to No.3 (hereinafter referred to as the ‘builder’) and have perused the record including inter alia the impugned order dated 26.02.2019 and the memorandum of appeal.
3. This Commission, vide its Order dated 14.02.2020, had condoned the delay in filing the appeal.
4. The facts, in brief, are that the complainant, who is senior citizen aged about 81 year, had applied for a 3BHK flat admeasuring 1350 sq. ft. in the upcoming project, namely, “Hill View Garden Housing Complex”, Bhiwadi, launched by the builder, in the joint name of himself and his wife, Smt. Shanti Devi, being the first applicant and paid a sum of Rs.2,50,000/- as booking amoun
(1) Administrative policy decisions of Banks, do not constitute provisions/facilities of banking which may come under umbrella of ‘service’, defined under Section 2(1)(o) of Consumer Protection Act, ....
Provision of Section 24A of 1986 Act mandate observance of limitation period unless sufficient cause with a reasonable explanation is available for condoning delay to be recorded with reasons by Comm....
Commercial Purpose – The logic of a Bank providing overdraft against purchase of KVPs for commercial purpose as advanced by the appellant cannot be accepted.
Rate of Interest - the rate of interest mentioned would be the rate applicable for the duration of the ‘scheme’ and not any other rate.
Consumer service agreements may not curtail statutory jurisdiction of consumer forums, which can award compensation beyond stipulated contractual terms if deemed unfair.
The Banking Ombudsman must adhere to principles of natural justice, providing a fair hearing before resolving complaints, especially regarding unilateral changes in loan terms by banks.
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