Haryana

Gurgaon

CC/162/2016

Ajay Luxman - Complainant(s)

Versus

American Express Banking Corporation - Opp.Party(s)

21 Mar 2016

ORDER

                   Ajay Lakshman      Vs      American Express Banking

 

 

Present        Shri Ajay Lakshman, complainant in person

 

                  

ORDER

 

                    Arguments on the point of admissibility heard.

                    The complainant has filed the present complaint against the opposite party on the ground that he got his AMEX Credit Card No.3060698 closed as per the CIBIL report. The complainant closed the said facility for want of proper services by the OP and has paid all the principal amount. The complainant applied for second hand car loan in Jan, 2016 which was rejected on account of CIBIL rating. The complainant approached CIBIL authorities and disclosed that he had already cleared all the loans and the report was wrong but in vain. The complainant has alleged that OP has submitted false report to CIBIL. The complainant has sought compensation of Rs.90,000/- from the OP.

                    However, after going through the facts and circumstances of the case, it emerges that the OP had not granted loan to the complainant in view of the credit report submitted by CIBIL. Therefore, whatever may be the basis of rejection of loan by the opposite party the complainant has not become consumer of the opposite party regarding second loan which was neither sanctioned nor availed and as such when the complainant is not a consumer as defined u/s 2)1)(d) of Consumer Protection Act, 1986 and thus the complaint itself is not maintainable before this Forum and as such the present complaint is hereby dismissed. Copy of this order be supplied to the complainant free of costs.

                   File be consigned to the records after due compliance.

                            

 

                                                Member       Member,                President,

                                                                                                DCDRF, GGN

                                                                                                21.03.2016