IN THE DELHI STATE CONSUMER DISPUTESREDRESSAL COMMISSION Date of Institution: 12.05.2023 Date of Hearing: 01.12.2025 Date of Decision: 27.01.2026 FIRST APPEAL NO. – 197/2023 IN THE MATTER OF MOHD. RAFAT KHAN, S/O LATE M. ZAHEER KHAN, R/O A-64 SF ASHOKC ENCLAVE-II, SECTOR 37, FARIDABAD-121003 (HR).

(Through: Appellant in person)

…Appellant VERSUS STATE BANK OF INDIA, THROUGH REGIONAL MANAGER/ HEAD OFFICE, 11, PARLIAMENT STREET, NEW DELHI-110003.

ALSO AT:

STATE BANK OF INDIA, THROUGH THE BRANCH MANAGER/ HEAD OFFICE, HUDA MARKET SECTOR-3, FARIDABAD-121004.

…Respondent CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

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

Present: Appellant in person.

None for the Respondent.

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

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

“The complainant has filed the present complaint for arrangement letter dated 18.05.2011 to be declared as null and void, OP be directed to fore-close the loan account dated 08.02.2013 and issue an NOC to remove hypothecation. It is also prayed that a sum of Rs.70,000/- be provided for physical, mental and social agony and financial losses an