C.C. No.102/2022

Janak Samantray,

S/o. Gobind Samantray,

At- Chunabelari,

P.O.- Paradeepgarh,

P.S.- Paradeep Lock,

Dist.- Jagatsinghpur.………Complainant​

1. Branch Manager, HDFC Bank Ltd.,

Hotel Parasar Building,

At- Atharabanki,

P.O.- Paradeep,

Dist.- Jagatsinghpur.

2. Managing Director, HDFC Bank Ltd.,

Regd. Office at HDFC Bank House,

Senapati Bapat Marg,

Lower Parel (West),

Mumbai- 400013.

3. Branch Manager, HDFC Bank Ltd.,

At- A/62/1, Unit-8, Nayapalli,

Bhubaneswar- 751012.                            …..… Opposite parties                 

For Complainant………..Mr. S.K. Naik & Associates

Opposite Parties……….Ex-parte

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 TATA LPT 3118 CR BS IV bearing Regd. No.OD-04-K-4695 and to supply loan agreement and other documents etc. and pay compensation of Rs.4,00,000/-.

            Complainant took loan of Rs.24,80,000 on 13.10.2017 to repay in 63 monthly EMI @ Rs.58,000/- commencing from 20.12.2017 to 20.02.2023. 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. Relationship between complainant and opposite parties is that of Debtor and Creditor and there is no deficiency in service.

            Period of agreement/contract is already over on 20.02.2023. Hence we find no merit in the consumer complaint and accordingly the consumer complaint is dismissed. No cost.  

            Pronounced in the open Commission on this 25^th July,2024.