DIST.CONSUMER DISPUTES REDRESSAL COMMISSION, KHURDA, BHUBANESWAR:

                                                -ooOoo-

C.D.CASE NO. 63/2012

Biswanath Murmu, aged about 50 years,

S/o Bhagabat Murmu, At : C/o – Regional Medical

Research Centre, PO – East coast Railway Complex,

Chandrasekharpur, Bhubaneswar – 751023,

Dist – Khurda                                                      ….     Complainant

-Vrs.-

1. ICICI Bank Ltd., Credit Card Division,

At : OCCF Building, Unit – III, In front of Sriya Talkies,

PO/PS - Kharvelnagar, Bhubaneswar- 751001, Dist : Khurda,

Through its Branch Manager of Credit Card Division.

2. ICICI Bank Ltd., Credit Card Division,

At – ICICI Bank Towers, Bandra – Kurla Complex,,

     Mumbai – 400051, through its Managing Director.

                                                                   ….     Opp. Parties        

For the complainant      :         Sri K.C.Prusty  (Adv.)

For the O.Ps                           :         Sri B.B.Mishra & A.K.Mohapatra  (Adv.)

DATE OF FILING         :         06/03/2012

DATE OF ORDER        :         21/09/2022

ORDER

K.C.RATH, PRESIDENT

1.       This is an application U/s 12 of the C.P.Act, 1986.

2.       The complainant’s case in brief is that, he had a credit card bearing No. A/c No.4477460683819009 issued by the OPs. The cash limit of that credit card was Rs.12,180/- and credit limit including cash  was Rs.40,600/-. He had used the said card and there is an outstanding of Rs.38,000/-  against him. The OPs issued notice to him for settlement of the amount. As alleged by the complainant,  on 22/1/2008, the agent of the OPs collected Rs.19,000/- from him and issued receipt to that effect. Further on 16/2/2008, the agent of the OPs collected Rs.14,000/- from the OPs and issued receipt to that effect. Further the agent of the OPs collected Rs.9500/- from him and issued receipt to that effect. As alleged by the complainant, the agent of the OPs had collected an excess amount of Rs.4000/- from him. When the complainant demanded for NOC/ NDC, the OPs did not issue the NOC/ NDC  to him.  Hence this complaint.

3.       On the other hand,   it is contended by the OPs that as there was an outstanding of Rs.50,958.90 against the complainant, NOC/ NDC could not have been issued to him. As the complainant bears no merit, it is liable to be dismissed with cost. 

4        Perused the materials on record.  On 22/01/2008, the complainant had paid Rs.19,000/-. On 16/02/2008, he had paid Rs.14,000/-. But the claim of the complainant with regard to the payment of Rs.9500/- on 22/02/2008, is not convincing. On perusal of Annexure – 4, it appears that there is manipulation of date of payment, and the amount mentioned therein. In view of such facts & circumstances of the case, I find no merit in the complaint. Hence it is ordered.

ORDER

The complaint is  hereby  dismissed on merit   against the OPs    being devoid of merit.

The order is pronounced on this day the  21^st  September,  2022  under the seal & signature of the President and Member (W)   of the Commission.

                                                                                      (K.C.RATH)    

                                                                                       PRESIDENT

 Dictated & corrected by me

          President                                                                                    

I agree                                                                            

(S.Tripathy)                                                                           

Member (W)                                                                             

Transcribed by Smt. M.Kanungo, Sr.Steno