STATE CONSUMER DISPUTES REDRESSAL COMMISSION, MAHARASHTRA, MUMBAI Consumer Complaint No. CC/16/62 Mr. Savio Alva Age: 35 years, Occ: Service Through Power of Attorney Holder Mr. Staney Alva Age: 78 years, Occ: Retired Residing at:

B/106, Jamuna Co-op Housing Society Ltd., I. C. Colony, Road No. 5, Borivali (West), Mumbai-400 103. …… Complainant Versus

1) M/s. Ravi Developments A Partnership Firm Add: Laxmi Palace, Mathuradas Road, Kandivali (West), Mumbai-400 067. ..... Opposite Party no.1

2) ING Vysya Bank Ltd.

Acquired/ Took over by Kotak Mahindra Bank Consumer Finance Division Bonanza Arcade, 3rd Floor, S.V. Road, Amboli Naka, Andheri (West), Mumbai – 400058. ..… Opposite Party no.2 BEFORE:

Hon’ble Ms. Poonam V. Maharshi, Presiding Member Hon’ble Dr. Nisha Amol Chavhan, Member APPEARANCE:

For the Complainant: Advocate Sajira Jondhale For Opposite Party No.1: Advocate Prasad C. Apte

JUDGMENT

(Date: 06-01-2026)

Per: Hon’ble Dr. Nisha Amol Chavhan, Member

1. The present Consumer Complaint No. CC/62/2016 is filed under S.17 (1) (a) (i) of the Consumer Protection Act-1986. (The ‘C.P. Act’ for short) by the complainant against opposite parties.

2. The complainant alleged deficiency in service a