Appellant got a loan sanctioned for Rs.46,40,000/- for purchase of a flat allotted to him by Orissa Housing Board.  Grievance of the appellant is that the respondent bank failed to disburse the amount, although the bank deducted the EMIs from his Account. 

          Respondent on being served filed Written Statement stating therein that they had demanded a document from the complainant/appellant who instead of providing the said document to them wrote an e-mail advising them ‘to use their brains’.  As the bank did not want to deal with such a consumer the loan was not disbursed.  \

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According to the appellant the said document was with the Housing Board and, therefore, he could not produce the same before the bank.

          State Commission partly allowed the complaint and directed the respondent to refund the EMIs that had been deducted from the appellant’s Account along with interest @ 12% p.a.  Bank was also directed to refund the processing fee to the appellant.  State Commission did not grant any compensation to the appellant.

          Present appeal has been filed seeking compensation and No Objection Certificate.

          The appellant instead of writing to the respondent that the document was not available, as the same had been with the Housing Board, wrote a nasty e-mail advising them to use their brain.  The appellant never informed the respondent that the desired document was with the Housing Board.  Under the circumstances, the bank was justified in refusing to deal with the appellant.  The amount deposited by the appellant along with the processing fee has already been ordered to be returned to him.  We agree with the view by the State Commission that the appellant was not entitled to any compensation.  No ground for

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interference is made out.  Dismissed.