C.C. No.417/2022

Pabitra Mohanty,

S/o. Muralidhar Mohanty,

At- Naugaon,

P.O.- Ambasal,

P.S.- Balikuda,

Dist.- Jagatsinghpur.……… Complainant​

1. Axis Bank Ltd. having its Corporate Office,

Axis Bank Ltd. Axis House,

C-2, Wadia International Centre,

Pandurang Budhkar Marg, Worli,

Mumbai- 400025,

Represented through its

Chairman-cum-Managing Director/CEO.

2. Branch Manager,  Axis Bank ,

Balikuda Branch,

At- Iswarpur,

P.O./P.S.- Balikuda,

Dist.- Jagatsinghpur.…..… Opposite parties

For Complainant………..Mr. C.R. Pradhan & Associates

For Opposite Parties……….Mr. P.K. Rout & Associates

ORDER BY HON’BLE PRESIDENT- MR. P.K. PADHI:

                                                                                           JUDGMENT

            Complainant has filed the consumer complaint U/s.35 of Consumer Protection Act, 2019 seeking not to repossess his tractor bearing Regd. No.OD-05-AX-0141 and to supply loan agreement and other documents etc. and pay compensation of Rs.1,70,000/-.

            Complainant took loan of Rs.5,21,013/- on 10.8.2020 to repay in 60 monthly EMI @ Rs.13,333/- commencing from 20.8.2020 to 20.7.2025. Complainant failed to pay and violated the agreement for which on apprehension of repossession complainant has filed the consumer complaint seeking aforesaid relief. There is not a single scrap of paper from complainant asking opposite parties to supply the aforesaid documents for which we find no merit in the consumer complaint and any deficiency on the part of opposite parties. Besides that complainant is a defaulter of loan as per agreement. Relation between complainant and opposite parties is that of Debtor and Creditor and there is no deficiency in service and complainant is defaulter of Rs.43,476/- as on 29.12.2022.

            However taking a lenient view we dispose of the consumer complaint directing the opposite parties to supply the loan agreement copy and any other document as required by complainant available with opposite parties and may charge the fees to that effect. The complainant shall pay his regular EMI and in addition to that pay Rs.10,000/- (ten thousand) in each month towards pending EMI. For failure to pay regular EMI and additional amount, the opposite parties are free to take action as per rule/law/agreement. With the aforesaid observation and direction the consumer complaint is disposed of. No cost.  

            Pronounced in the open Commission on this 15^th March,2024.