Though we had received an application from petitioner for exemption from personal appearance in the proceeding, in the interest of justice we further issued notice to the petitioner indicating today’s day of hearing. No one appears for the petitioner even on second call. Merit of the case has been considered.

Briefly put the facts are that petitioner was sanctioned loan of Rs.9,50,000/- by respondent against Rs.13,00,000/- for which sanction was sought   by   petitioner.   However,  since   Bank  fixed  interest  payable  by

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petitioner @ 8.25 p.a., he knocked door of Consumer Fora, that being in violation of the understanding reached between the parties. The petitioner accordingly also sought refund of processing fee of Rs.10,735/- deposited by him. The respondent-Bank did refund only Rs.548/- only.

The defence of the respondent-Bank before Fora below was that in case of raising of loans, interest are governed on floating rate of interest in terms of guidelines issued by Reserve Bank of India. The District Forum on evaluation of pleadings of the parties found that some part of the deposit made by the petitioner as processing fee was non-refundable and there being no deficiency in service, dismissed complaint. That finding was affirmed by State Commission also in appeal. The grouse of the petitioner was that though agreed rate of interest was 7.25% to 7.5%, in violation of the understanding between the parties, the Bank levied interest @ 8.25%. He has also a grievance about failure of the respondent-Bank for not refunding the total deposit of processing fee made by him. Both the issues had been answered by Fora below adverse to the petitioner assigning cogent reasoning.

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Now the petitioner without good evidence has other grievance that since his valuable documents were lost/stolen and tampered while in custody of State Commission, the matter be investigated. I am afraid that this issue can be determined in the present proceeding as other remedies are available to the petitioner for seeking redressal of the grievance. There being no merit, in the circumstances, revision petition is dismissed.