Sri S.K.Sahoo,President.

            This  is  a  petition  filed by the  complainant  U/s. 35 of C.P.Act, 1986.

2.        The  case of the  complainant is that he is the  permanent  residence  of Bijigol,NTPC Kaniha of Angul District and the opp.parties  are  the  finance company running their  profitable  business at Angul District. The  complainant   has  purchased  a  truck   bearing Model  No. LPK 3118TC      after  getting  finance   of Rs.28,79,968.00  from the opp.parties  on 27.10.2018.After few months of purchase on 22.10.2019   the    truck was met  with an accident  and fully damaged. Thereafter the  complainant  filed  a full damaged  claim before the opp.parties along with  the  insurance company. Due  to  non-payment   of   full  damage  claim  by the  opp.parties   and the  insurance  company  the  complainant   has  filed  a Case  No. 47 of 2020   before this  Hon’ble Commission  in the  month of August, 2020. On 16.04.2021  the opp.parties and  the insurance company  has settled the  matter by  filing  a   joint  compromise  petition    and  the case was  closed. In the  month of  July, 2021  the opp.parties contacted the  complainant   over  telephone  and  shows their  interest  & willing to provide  a  loan  in favour of the  complainant.   The  complainant  refused  to take  loan, for which the opp.parties threatened  the  complainant   to put  his  account  in   blacklist  and to  disturb the  score of   his CIBIL. In the  month of  September  2021  the complainant has  applied for a  loan  from the  Central Bank  of  India  for   purchase of  a truck  under SRTO scheme  to  maintain his  livelihood but the  said  bank    refused to   sanction the loan  in favour  of the  complainant  as the  CIBIL score  is 698 as  on  06.09.2021 and  vehicle  loan  was settled  with write of  account   on  his name  and  closed on 28.04.2021. The  aforesaid  bank advised  the complainant to rectify the CIBIL as soon as possible. The complainant has filed this  case   due to  negligence , deficiency  in service and unfair  trade practice  of the opp.parties. The  complainant has   paid  the full and  final  balance  arrear  amount  to  the opp.parties  as  per the  joint  settlement petition   filed  by the  parties   before  this Hon’ble Commission after  issuing  No Objection Certificate, showing  written off  total Rs. 1,50,987 in or before  Trans Union, so  the  CIBIL is  quite  illegal   in nature.   Hence  this  case.

3.        Notices  were  issued  to    the opp.parties  through  Regd. post with A.D on 30.10.2021. From the A.Ds of  opp.parties it  transpires  that  they  have received  the  notices  issued by this  Commission  .  Inspite of  notice  non of the opp.parties   turned up  to  file their  show cause and  contest the  case.  

4.        Admittedly  the  complainant  has   purchased  a truck on  27.10.2018  by  availing  finance from the opp.parties. It is alleged by the   complainant    at  paragraph- 5  of  his  complaint  that   in the  month of August, 2020   he  filed   C.C. No. 47 2020  which was disposed of  in terms of  compromise  between the parties  on  16.04.2021. It is further alleged  that although the  complainant has  repaid the loan , according to the   law the CIBIL  score  of the  complainant was  shown as 698  on 06.09.2021  for  which  the   complainant is unable to  avail  the  loan from a  bank  to purchase  a truck. Although   the opp.parties   have received the    money in view of the  settlement, the CIBIL  score  shown relating to the  complainant   has  due to   negligence  and there is deficiency in service of the  opp.parties. The  opp.parties  have adopted unfair trade practice.

             On  perusal of the  case it  transpires that the  notices   were  issued  to the opp.parties  through  Regd.post with  A.Ds. The A.D cards   of  both the  opp.parties are available  on the  case record , which shows   that  the  receipt  of the  notice  issued by  this   Commission  .The opp.parties   neither  appeared nor   filed their show cause  .They have  also  not  contested the  case.

5.          The  complainant has not  filed the  certified copy of the  order passed by this Commission in C.C. No. 47 of 2020  on 16.04.2021 . He has   also   not  filed  the  certified   copy of  the  joint  compromise  petition  filed  in that   case. In absence of  such documents  it  cannot be  said that  there was  a  joint  compromise  between the parties for which ,  the  opp.parties have  waived the  out standing  dues  pending  against the   complainant   in   terms  of  compromise. So it  cannot be said that  the   CIBIL  score dtd. 06.09.2021  shown by  the opp.parties  is   wrong. The  complainant  failed to prove  his  case.

6.       Hence order :-

: O R D E R :

           The  case  be  and   the  same  is  dismissed     against  both the  opp.parties.