1. The present Revision Petition ( RP) has been filed by the Petitioners against the Respondent as detailed above, under S.21(b) of the Consumer Protection Act 1986, against the order dated 27.11.2018 of the State Consumer Disputes Redressal Commission West Bengal ( hereinafter referred to as the ˜State Commission') in First Appeal ( FA) No. 142 of 2015 in which order dated 27.11.2014 of District Consumer Disputes Redressal Commission Howrah (hereinafter referred to as District Forum) in Consumer Complaint ( (CC) No. 178 of 2012 was challenged, inter alia praying for :

(i) Setting aside the order dated 27.11.2018 of the State Commission.
(ii) To direct the Respondent to repay the outstanding arrear amount which would be due till the date of judgment.

2. Petitioners have challenged the said order dated 27.11.2018 of the State Commission inter alia on the following grounds :

(a) The present Complaint is not maintainable as there is an arbitration clause executed between the Complainant and the Petitioner.
(b) The State Commission did not consider that Respondent was regular defaulter in making payments against the loan amount and the finance charges as agreed between the parties as per