BEFORE THE A.P. STATE CONSUMER DISPUTES REDRESSAL COMMISSION
ATHYDERABAD.
C.C. No. 15/2009
Between:
Ms. Anjoo Sharma
D/o. Late
Age: 44 years,
R/o. 6-3-883/2/3, 4thMahalaxmi House
Krishna
Punjagutta, Hyderabad-82.
The Branch Manager
Hongkong & Shanghai Banking
Corporation Ltd.
At
Rajbhavan Road, Somajiguda
Hyderabad-
Counsel for the Counsel for the O.P:
THURSDAY, THIS THE SEVENTEENTH
Oral Order: (Per Hon’ble Justice D. Appa Rao, President)
1)
2) 50% in view of her status and non-co-operative at a later point of time.
3) outstanding balance was Rs. 2,18,342.59 as on Interest charges on the outstanding payments
As informing CIBIL.
4)
5)
1) Whether the complainant did not commit any default
2) Whether the bank had wrongly reported the complainant as defaulter to CRA
3) Whether the complainant had sustained any damage to her credibility and thus entitled to any compensation, if so, to what amount?
4) To what relief?
6)
7) credit card to CIBIL and MCNF and other credit rating agencies.
8)
9) The bank could have filed the affidavit of Ms. Deepthi
10) on a monthly basis.
11)
12) S.B. account.
13) India’s first credit information bureau It is a composite credit bureau which caters to both commercial and consumer segments.
14)
(emphasis supplied)
We do not intend to recapitulate it had sent
15)
f you have given us your permission to do so.
Admittedly the bank did not conform to
16)
a) the interest rates which apply to your accounts, both deposit and
loan;
b) when we will pay interest on your deposits, or charge interest on
your loan account;
c) how we apply interest to your account and method of calculation of
interest.
The bank in the brochure
17)
“In case of providing information relating to credit history/repayment record of the
In all cases, a well laid down procedure should be transparently followed. guidelines.
18) that
19)
20)
21)
22) It is the CIBIL that had classified the complainant as international financial offender and the bank had no control over CIBIL.
23) India) Limited (CIBIL) The acts of the opposite party bank cannot but be termed as deficient.
24) rd “If a banker gives a reference are foresee-ability
25) in recommending the name of the complainant to CIBIL
In view of the fact that
26) attract the definition u/s could not be
27)
1)PRESIDENT
2) MEMBER
APPENDIX OF EVIDENCE
WITNESSES EXAMINED FOR
COMPLAINANT
DOCUMENTS MARKED FOR COMPLAINANT:
Ex. A1;
Ex. A2;
complainant.
Loan
Ex. A3;
Ex. A4;
Ex. A5; Ex. A6;
Ex. A7;
Ex. A8;
Ex. A9; Ex. A10;
Ex. A15Ex. A16;
Ex. A17;
Ex. A18;
Ex. A19;
Ex. A22;
Ex. A23;
Ex. A24;
Ex. A25;
Ex. A26;
Ex. A27;
Ex. A28;
Ex. A29;
Ex. A30;
Ex. A31;
Ex. A32;
Countrywide.
Ex. A33;
Ex. A34;
Ex. A35;
complainant.
Ex. A36; Ex. A37;
Ex. A38;
Ex. A39 Ex. A40
Ex. A41;
Ex. A42;
Ex. A43;India
Ex. A44;
Ex. A45;
Ex. A46;
Ex. A47;
Ex. A48;
Ex. A49;
Ex. A50;
DOCUMENTS MARKED FOR OPPOSITE PARTY :
Ex.
Ex. B26
1)
2)
*pnr
“CORRECTED – O.K.”
“CORRECTED – O.K.”
