M. P. STATE  CONSUMER  DISPUTES  REDRESSAL  COMMISSION,                         

                             PLOT NO.76, ARERA HILLS, BHOPAL

                                 FIRST APPEAL NO. 1124 OF 2012

(Arising out of order dated 02.05.2012 passed in C.C.No. 317/2012 by District Commission, Gwalior)

GIRJASHANKAR UPADHYAY,

S/O LATE DWARIKA PRASAD UPADHYAY,

R/O 152, R. J. PURAM, BHIND ROAD,

GWALIOR (M.P.)                                                                                 ...        APPELLANT

                      Versus

1. STATE BANK OF INDIA,

    THROUGH BRANCH MANAGER,

    MAIN BRANCH-JEEWAJI CHOWK,

    BADA, GWALIOR (M.P.)

2. SI CARD & PAYMENT SERVICES

    PRIVATE LIMITED THROUGH MANAGER/

    DIRECTOR, STATE BANK HOUSE,

    11, PARLIAMENT STREET,

    NEW DELHI-110 001                                                                     …       RESPONDENTS     

BEFORE :

            HON’BLE SHRI A. K. TIWARI            :          PRESIDING MEMBER

            HON’BLE DR. SRIKANT PANDEY    :        MEMBER

COUNSEL FOR PARTIES :

                Shri Hemant Sharma, learned counsel for the appellant.

           Shri Yash Vidyarthi, learne