Haryana

Kurukshetra

CC/261/2020

Oumesh Verma S/o Achru Verma - Complainant(s)

Versus

HDFC Bank - Opp.Party(s)

NRohila

17 May 2024

ORDER

BEFORE THE DISTRICT CONSUMER DISPUTES REDRESSAL COMMISISON, KURUKSHETRA

Complaint No. 261 of 2020

Date of institution: 13.08.2020

                                Date of decision: 17.05.2024

 

Oumesh Verma son of Shri Achru Parshad Verma resident of H. NO. 1046/10, Vashisht Colony, Bye pass Road, Mohan Nagar, Kurukshetra Mo:- 7404488881.

                                                                                                                                                        …Complainant.

Versus

1.     HDFC Bank Ltd., Loan Division, Ceebros Building 110, N.M. Road, Aminjikarai, Chennai-600029, through its Manager

2.     HDFC Bank, Branch Sector-5, District Kurukshetra through its Branch Manager.

3.     HDFC Bank, RCC Branch Chandigarh, through its Branch Manager.

 

…Opposite parties.

 

CORAM:    DR. NEELIMA SHANGLA, PRESIDENT.

NEELAM, MEMBER.

RAMESH KUMAR, MEMBER.

 

Present:   Shri Shekhar  Thakur, Advocate for the complainant.

                Shri Rajan Chawla, Advocate for the OPs.

ORDER

 

               This is a complaint under Section 35 of the Consumer Protection Act.

2.  

3.             On notice, OPs No. 1 & 2 appeared and filed its written version raising preliminary objections with regard to maintainability; cause of action; locus standi; jurisdiction and concealment of true and material facts. On merits, it is contended that on the request of the complainant, the OPs settled his credit liability for amounting of Rs.35,400/- against the total outstanding of Rs.45,375/- on his credit card.  The complainant was conveyed regarding the settlement by way of SMS and by way of letter dated 25.11.2019 having the detailed scheduled of the settlement and the same was sent to the complainant through track on courier on 03.12.2019.  The complainant had not paid the settlement amount as per the terms and conditions of the settlement. The allegations made in the complaint have been denied and prayed for dismissal of the complaint.   

4.             The complainant has tendered into evidence affidavit of complainant Ex.CW1/Ao and documents EX. C1 to Ex. C13 and closed the evidence on 14.02.2022 by suffering separate statement.

5.             The learned counsel for the OPs   has tendered into evidence affidavit Ex. RW1/A and documents EX. R1 and Ex. R3 and closed the evidence on 17.08.2023 by suffering separate statement,

6.             We have heard the learned counsel for the parties and have gone through the record available on the file carefully.

7.  

Announced in open 17.05.2024

                                                       (Dr. Neelima Shangla)            

                                                               President,

                                                               DCDRC, Kurukshetra.

 

(Neelam)                (Ramesh Kumar)

Member                   Member