Orissa

Jagatsinghapur

CC/133/2021

Samarjit Mallick - Complainant(s)

Versus

IDFC First Bank - Opp.Party(s)

In Person

28 Sep 2022

ORDER

                                                                                 JUDGMENT

Complainant has filed this consumer complaint U/s.35 of C.P. Act, 2019 seeking following reliefs;

            “Direct the opposite party to duly look into this matter with foremost importance to take necessary steps to render the proper service and provide the amount of Rs.3,540/- which is already paid to opposite party and pay Rs.5,000/- for compensation , deficiency in service and mental harassment and cost of litigation”.

            Brief fact of the case is that, the complainant was loanee of opposite party organization vide loan No.8822482. The complainant has paid the entire loan and completed all the formalities but till now the opposite party concerned is deducting Rs.295/- from his SBI account vide account No.11297557153 since two year in total amounting Rs.3,540/- (Rupees three thousand five hundred forty) deducted from his account, hence this complaint.

            The complainant filed Xerox copy of the following documents in support of the consumer complaint;

1. Account statement.
2. Transaction details.
3. SBI account statement.

Notice was issued to opposite party on 23.9.2021. The opposite party stated that, the complainant had taken an Electronic durable loan of Rs.15,440/- on 09.8.2016 vide loan agreement No.7645751 and the entire loan was for 18 months out of which complainant had cleared six EMIs and rest 12 EMIs had bounced resulting which bouncing charges, late fee charges had accrued to the loan account. On 14.11.2018 when the loan account was closed he was given a waiver of Rs.3,854/- in which a bouncing charge of Rs.1,800/- was included.

The complainant has not field his saving bank statement which could have proved the deduction of Rs.2,955/- from his account.

It is an admitted fact of opposite party that the loan agreement was closed on 14.11.2018 but as shown in complainant account statement Rs.295/- debited from his account on 03.02.2021 five times, 05.02.2021 two times i.e. Rs.2,065/- debited from his personal account after closure of the loan agreement. It is clear negligence and deficiency in service on the part of the opposite party.

Therefore, we direct that the opposite party shall give Rs.2,065/- to the complainant within 30 days after receipt of the order. Opposite party is also directed to give Rs.1,000/- as mental agony and Rs.1,000/- as cost of litigation to the complainant.

Accordingly the consumer complaint is dispose of.

           

            Pronounced in the open Commission on this 28^th Sept., 2022.