STATE CONSUMER DISPUTES REDRESSAL COMMISSION UTTARAKHAND DEHRADUN Date of Admission: 05.07.2022 Date of Final Hearing: 07.01.2026 Date of Pronouncement: 09.01.2026 SC/5/A/84/2022 Indian Overseas Bank through its duly Authorised Signatory having its Registered Office at Indian Overseas Bank, Central Office at

763, Anna Salai, Chennai – 2 and Branch Office at Rohalki Kishanpur, Block Bahadrabad Tehsil and District Haridwar, Uttarakhand (Through: Sh. Anurag Nautiyal, Advocate)

…… Appellant Versus

1. Sh. Palturam S/o Sh. Manglu R/o Village Ibrahimpur, Bahadrabad Tehsil and District Haridwar, Uttarakhand (Through: Sh. Sanjay Kumar Chauhan, Advocate via Video Conferencing)

2. Uttarakhand Bahuuddeshiya Vitta Evam Vikas Nigam Haridwar through its District Manager posted at Uttarakhand Bahuuddeshiya Vitta Evam Vikas Nigam Roshnabad, Haridwar, Uttarakhand (Through: None)

…… Respondents Coram:

Ms. Kumkum Rani, President Mr. B.S. Manral, Member

ORDER

(Per: Ms. Kumkum Rani, President):

This appeal has been directed against the impugned judgment and order dated 11.01.2022 passed by learned District Consumer Disputes Redressal Commission, Haridwar (hereinafter to be referred as “The District Commission”