STATE CONSUMER DISPUTES REDRESSAL COMMISSION,

U.T., CHANDIGARH

1. Kotak Mahindra Bank Ltd., a banking Company within the meaning of Section 5(c) of the Banking Regulations Act, 1949 (10 of 1949), and incorporated under the Companies Act, 1956 and having its registered office at 36-38A, Nariman Bhavan, 227, Nariman Point, Mumbai-400021 through its Regional Manager.
2. Kotak Mahindra Bank Ltd., having its Branch office at SCO No.152-154, Sector 9-C, Madhya Marg, Chandigarh through its Authorized Representative Parmjeet Singh.

……Appellant/Opposite Parties No.3 & 4.

Versus

1. Harjit Kaur Bhatia, Senior Citizen, wife of Amarjit Singh Bhatia, resident of H.No.2173, Phase X, Mohali (Punjab).

…..Respondent/Complainant.

2. M/s Citi Financial Consumer Finance India Limited, SCO No.407-408, Sector 35, Chandigarh through its Branch Manager.
3. M/s Citi Financial Consumer Finance India Limited, Regd. Office 3, LSC, Pushp Vihar, New Delhi through its Managing Director.

…..Respondents/Opposite Parties No.1 & 2.

Appeal under Section 15 of the Consumer Protection Act, 1986.

Argued by: Mrs. Jaishree Thakur, Advocate for the appellants.

               Sh. Rajneesh Malhotra, Advocate for respondent No.1.

Harjit Kaur Bhatia (Sr. Citizen) w/o Amarjit Singh Bhatia, #2173, Phase 10, Mohali (Punjab).

 ……Appellant/Complainant.

Versus

1. M/s Citi Financial Consumer Finance India Limited, SCO no.407-408, Sector 35, Chandigarh through its Branch Manager.
2. M/s Citi Financial Consumer Finance India Limited, Regd. Office 3, LSC, Pushp Vihar, New Delhi through its Managing Director.

…Respondents/Opposite Parties No.1 and 2.

3. Kotak Mahindra Bank Limited, having its Registered Office at 36-38A, Nariman Bhavan 227, Nariman Point, Mumbai through its Regional Manager.
4. Kotak Mahindra Bank Limited, having its Branch Office at SCO No.152-154, Sector 9-C, Madhya Marg, Chandigarh through its Branch Manager.

….Respondents/Opposite Parties No.3 and 4.

Appeal under Section 15 of the Consumer Protection Act, 1986.

BEFORE:  JUSTICE SHAM SUNDER (RETD.), PRESIDENT.

        MR. DEV RAJ, MEMBER.

        MRS. PADMA PANDEY, MEMBER

Argued by: Sh. Rajneesh Malhotra, Advocate for the appellant.

                 Sh. D. K. Singal, Advocate for respondents No.1 & 2.

PER DEV RAJ, MEMBER.

              This order shall dispose of two appeals bearing Nos.109 of 2014 filed by the appellants/Opposite Parties No.3&4 and 122 of 2014 filed by the appellant/complainant, against the common order dated 18.02.2014, rendered by the District Consumer Disputes Redressal Forum-II, U.T., Chandigarh (hereinafter to be called as the District Forum only), vide which, it allowed the complaint bearing No.238 of 2011, filed by the complainant, qua the Opposite Parties, and directed them as under: -

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