1. This dispute was between an owner of a small commercial vehicle for which he obtained the finance from the respondent - Shriram Transport Finance Company. It has come in the information that initially the loan was drawn for purchasing three small lorries. The rate of interest was 5.7%. The informant then fell in defaults and therefore his loans were adjusted by creating a separate loan account. This time the loan was adjusted at the rate of 9%. According to the informant this was done under the duress and he was made to sign on the dotted lines. This according to the informant was an abuse of the dominance of the respondent in the market. The Director General deducted the relevant market as the "provision of services for financing pre-owned heavy commercial vehicles by non-banking financial corporation". The Director General was obviously acting at the behest of the Competition Commission of India ('CCI' for short) and had investigated into the matter and had pointed out that the respondent was in the dominant position in the market. When the matter came before the CCI, the CCI found that the relevant market was wrongly decided on by the DG. It should have in fact been "the