SUNITA YADAV, MONIKA MALIK
State Bank of India – Appellant
Versus
Purshottam Lal Sahu – Respondent
ORDER
Sunita Yadav, President.—The appellant/Opposite Party No.1-State Bank of India has filed this appeal against the order dated 04.10.2019 passed by the District Consumer Disputes Redressal Commission, Jabalpur-2 (for short ‘District Commission’) in C.C.No.349/2011whereby complaint filed by the complainant/respondent No.1 has been allowed.
2. The facts of the case in brief are that the complainant/respondent No.1 had obtained loan facility from the Opposite Party No.1/appellant-bank, however, due to some financial constraints could not make payment of some installments and thereafter Rs.10,000/- were deposited. He had also deposited the amount of some installments as one time deposit. It is alleged by the complainant that despite demand being made, the Opposite Party No.1-bank did not supply statement of account due to which the complainant could not deposit installment. It is further submitted that he deposited Rs.1,70,000/- in his loan account despite that the Opposite Party No2/respondent no.2 sent notice demanding payment of outstanding amount without giving any details. The complainant/respondent No.1 therefore alleging deficiency in service on part of opposite parties file
(1) Reduce Interest & Penalty – Complainant’s prayer to reduce “interest and penalty” implied he was aware of the entries in the account statement. One cannot allege excessive charging without having....
(1) “Unfair Trade Practice” – An “unfair trade practice” refers to a trade practice which, for the purpose of promoting the sale, use, or supply of any goods or for the provision of any service, adop....
(1) No Objection Certificate (NOC) – A consumer complaint alleging deficiency in service regarding loan repayment (such as excess deduction of installments) is not maintainable if the complainant has....
The court emphasized the importance of providing a fair opportunity to parties in consumer disputes, particularly when previous absences were justified, thus enabling proper adjudication of claims.
National Commission, in exercise of its revisional jurisdiction, is not required to re-assess and re-appreciate the evidence on record when the findings of the lower fora are concurrent on facts.
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