Chandigarh

DF-II

CC/815/2019

Nitish Bhatia Advocate - Complainant(s)

Versus

IndusInd Bank Ltd. - Opp.Party(s)

Raj Kumar Bhatia Adv.

04 Apr 2022

ORDER

DISTRICT CONSUMER DISPUTES REDRESSAL COMMISSION-II, U.T. CHANDIGARH

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Consumer Complaint  No	:	815 of 2019
Date  of  Institution	:	27.08.2019
Date   of   Decision	:	04.04.2022

 

 

 

 

Nitish Bhatia, Advocate, aged about 28 years, son of Sh.Raj Kumar Bhatia, resident of #5B, Army Flats, Sector 44-A, Chandigarh, presently residing at #65, Vasant Vihar, Phase-1, Dhakoli, Zirakpur, Punjab.

             …..Complainant

 

Versus

 

1]  IndusInd Bank Ltd., #701/801, Solitaire Corporate Park, 167, Guru Hargovindji Marg, Andheri East, Mumbai 400093 through its authorized person.

2]  IndusInd Bank Ltd., SCO No.1100-1101, Sector 22-B, Chandigarh through its Branch Manager.

 

    ….. Opposite Parties 

 

BEFORE:  SMT.PRITI MALHOTRA        PRESIDING MEMBER

         SH.B.M.SHARMA                    MEMBER          

 

 

Argued by :-   None for the complainant

    Sh.Arun Dogra, Advocate for OPs

               

 

PER B.M.SHARMA, MEMBER

 

        In brief, the complainant’s case is that he made payment of Rs.13,350/-, as fee to British Council for appearing in ILETS Exam., from his Account No.159888843438 of IndusInd Bank Ltd., Sector 22-B, Chandigarh.  However, the OP Bank debited an Rs.13,797/- from his account instead of Rs.13,350/-, so paid to British Council as confirmed vide receipt Ann.C-2. The complainant while alleging the said extra charge of Rs.547/- by the OP Bank, as deficiency in service and unfair trade practice, has preferred the present complaint. 

 

2]       The Opposite Parties in their reply while admitting the transaction of Rs.13,250/- processed from the account of complainant on 29.6.2019, stated that per schedule of fee, applicable to such Foreign Currency Debit Card Transaction, an Exchange Rate Mark Up Fee is leviable @3.5% on the transaction amount whereupon GST charges are also leviable. It is submitted that upon the transaction in question of Rs.13,250/-, a sum of Rs.463.75 was charged as Exchange Rate Mark Up Fee and a sum of Rs.83.47 was charged as GST paid to Government, which is also reflected in bank record Ann.R-1 & R-2.  It is denied that any excess amount has been deducted by the bank.  It is stated that only the charged leviable as per the fixed schedule of the bank is levied.  Denying the allegation of deficiency in service or unfair trade practice, the OPs have prayed for dismissal of the complaint. 

3]       Parties led evidence in support of their contention.

4]       We have heard the ld.Counsel for the Opposite Parties and have gone through entire documents on record.

5]       Taking into account all the documents on record, pleadings of the parties and evidence, we are of the opinion that the OP-Bank has rightly charged an extra amount/charges from the complainant while making transaction of Rs.13,250/- to British Council, as per fee applicable to such Foreign Currency Debit Card Transaction which is clear from Bank document Ann.R-1 & R-2.  The complainant has not been able to disapprove the documentary evidence filed by the OP Bank. Therefore, no case of any deficiency in service is made out against the OP Bank.     

6]       In view of above, we are of the opinion that the present complaint, being devoid of any merit is hereby dismissed. No order as to costs.

        The certified copy of this order be sent to the parties free of charge, after which the file be consigned.

Announced                                                     

4^th April, 2022                                                                                                                                                           Sd/-

                        (PRITI MALHOTRA)

PRESIDING MEMBER

 

Sd/-

 (B.M.SHARMA)

MEMBER