STATE CONSUMER DISPUTES REDRESSAL COMMISSION,

U.T., CHANDIGARH

Sh. M. S. Randhawa son of Sardar Gurdev Singh resident of House No.664, Sector 33-B, Chandigarh, Aged 67 years.

…….Appellant/Complainant.

Versus

1. S.B.I. Card, DLF Infinity Towers, Tower-C, 10^th-12^th Floor, Block-2, Building-3, DLF Cyber City, Gurugram 122002, Haryana through its Chief Executive Officer.
2. S.B.I. Card, SCO no.171-172, Sector 8-C, Madhya Marg, Chandigarh through its Authorized Person/Authority.
3. Credit Information Bureau (India) Limited (CIBIL), Head Office at Transunion CIBIL Limited, One India Bulls, 19^th Floor, Tower-2-A-2B, Senapati Bapat Marg, Elephinstone Road, Mumbai 400013 through its Authorized Person/Authority.

...Respondents/Opposite Parties.

Appeal under Section 15 of the Consumer Protection Act, 1986

BEFORE: JUSTICE RAJ SHEKHAR ATTRI, PRESIDENT.

                MRS. PADMA PANDEY, MEMBER.

                MR. RAJESH K. ARYA, MEMBER.

Argued by:

Sh. M. S. Randhwa, appellant in person.

Er. Sandeep Suri, Advocate for respondents No.1 & 2.

Sh. Gaurav Bhardwaj, Advocate for respondent No.3.

PER  RAJESH  K.  ARYA, MEMBER

                   This appeal has been filed by the complainant against order dated 13.05.2019 passed by District Consumer Disputes Redressal Forum-II, U.T., Chandigarh (in short ‘the Forum’) vide which, his consumer complaint bearing No.578 of 2018 was dismissed by the Forum. While dismissing the complaint, the Forum observed in Paras 5 to 9 of its judgment as under:-

“5]       The entire evidence on record produced by the parties as well as the pleadings on record, explicitly proves that the complainant M.S.Radhawa along with Gurmitinder Randhawa, jointly took 27 Loans under the following accounts (Ann.C-8):-

 6]       Out of the said 27 Loan Accounts, one was still stands overdue and the balance outstanding amount of Rs.20,67,654/-, stands due as on 25.9.2018 (Ann.C-8 Page–9).

 7]       Besides the above mentioned loan accounts, the complainant was also holding one add on credit Card bearing No.0004006661015852580, which was issued against credit card of Vikram Randhawa, primary credit card holder bearing No.4377484634124989.

 8]       The OPs No.1 & 2/SBI Credit Card through its letter dated 2.10.2018 considered the request of the complainant regarding settlement of overdue payment of Rs.2879/- as a matter of consumer friendly relationship and has waived of the said outstanding amount and zeroised the credit card account of the complainant.  The letter dated 2.10.2018 issued by SBI Credit Cards conveying the apology/regret over the inconvenience faced by the co