IN THE DELHI STATE CONSUMER DISPUTESREDRESSAL COMMISSION Date of Institution: 09.02.2017 Date of Hearing: 28.11.2025 Date of Decision: 16.01.2026 FIRST APPEAL NO.- 73/2017 IN THE MATTER OF FULLERTON INDIA CREDIT COMPANY LTD., THROUGH ITS AUTHORIZED OFFICER: VIPIN SHARMA, 3^RD FLOOR, 1-B, PUSA ROAD, OLD RAJENDER NAGAR, NEW DELHI-110060.

(Through: Sagar & Sagar Law Offices)

…Appellant VERSUS MR. RAVINDER KUMAR, S/O SH. DHEERAJ SINGH, R/O: H.NO. B-16, STREET NO-2, EAST NATHU COLONY, SHAHDARA, DELHI-110093.

(Through: Mr. Amit Kain, Advocate)

…Respondent CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

HON’BLE MS. BIMLA KUMARI, MEMBER (FEMALE)

Present: Mr. Gaurav Gupta, Counsel for the Appellant.

Respondent in person.

PER: HON’BLE JUSTICE SANGITA DHINGRA SEHGAL, PRESIDENT JUDGMENT

1. The facts of the case as per the District Commission record are as under:

“As per complaint the complainant has borrowed a loan from OP in the Month of August 2010 for a sum of Rs. 38,550/- payable in 24 EMIs of Rs. 2040/-, against purchase of motor bike, make Hero Honda CBZ bearing registration No DL-15T 8886. OP sanctioned the loan vide, Loan A/c No. 011920200011870 and Customer ID. No. 2517492. Against repa