CC/325/18

17.09.2018    

Present :-  Counsel for  Complainant.

                         Complainant has filed present complaint  on the averments that the complainant  was  issued  Credit Card  bearing no. 000489377xxxxxx0313 in December 2017   The complainant  lost her job and suffered financial disaster.  In the month  of January  OP  started deducting various  charges  under the bracket of process fees,  penalty fees and maintenance charges  and  alleged  that complainant has dues of  Rs .76,931 /-.   It is further  stated on account of negotiation  with OP  the complainant should  came  of final settlement of Rs. 60,700/- .  The complainant has  made clear  to OP  to repay the aforesaid amount in small  installments.  It was agreed that  complainant shall pay  amount in installment of Rs. 4,100/-  at initial stage  and thereafter Rs. 14,150/- each month to clear the settlement amount.  The complainant  thereupon made payment of Rs. 4,100/-  on 27.02.2018 .  The complainant  received settlement order dated 03.03.2018   which stated that the payment of Rs. 60,700/- be made by 20.03.2018.  The complainant  was shocked  to know terms and conditions of settlement  order he approached the OP in   this regard but have failed  rather O P started threatening  complainant  to clear  dues .  Hence the present case for compensation and repayment of Rs. 46,550/- with interest from OP. 

                          We have  heard learned counsel for the complainant  perused record. The pivotal  controversy  is the final  settlement  date 28.02.2018  which stood admitted complainant.  The perusal of aforesaid letter  Annexuree-A makes it abundantly clear  that the dues of  Rs. 76,931.25 were settled for the amount of Rs. 60,700/- to be  paid by complainant  in two installments that is on 28.02.2018 Rs. 10,000/- and on 20.03.2018 Rs. 50,700/- by cheque .  This letter has been categorically admitted by the complainant.                                           The    settlement  order  does  not talk  about  easy installment as depicted 

In the complainant in the present  petition .  Admittedly  the complainant received  copy of settlement order  on 03.03.2018  but filed the present complaint on 25.06.2018  .  She   has not filed  on record  any document by which she immediately approached OP for twisting the settlement  terms and conditions.  She only  broke the silence to the  terms and conditions on 06.06.2018 .

                         Keeping in view the aforesaid  discussion and circumstances we see no deficiency  in service on part of the OP.  It is the complainant who did not adhere to the terms and conditions of settlement date 28.02.1018 . Therefore the present complaint  being devoid of any merit  is dismissed. 

(PUNEET LAMBA)                                                                                                                 (K.S.MOHI)                   MEMBER                                                                                                                              PRESIDENT                         17.09.2018                                                                                                                                      17.09.2018