Sri S.K.Sahoo,President.

          This  is  a   complaint  filed by the  complainant U/s.  12 of C.P.Act, 1986.

2.       The  case  of the  complainant  is  that he is  serving at  Tata Steel BSL  Ltd.,  and   residing at  Gitagram  on  rented  house   along  with  his  family.  On 24.10.2018  the  complainant  booked  two  numbers  of  flight  tickets from opp.party No.2  in  his name and his wife’s name.  The boarding  date was   06.12.2018 and the  boarding  place was  from Ahmadabad  to Varanasi. The booking was through  his  mobile hand set  by transaction ID-2001569934  on payment of  Rs.11,305.13. The  said  amount  was  debited from  his  credit  card A/C kept  in the  branch of opp.party No.1. Subsequently the  complainant  came  to  know that the opp.party No.2 has not  booked  those tickets and  the money  paid  by him was  not  returned  to his  account within  next 72  hours, hence the  cause of  action  of the present case arose. The   matter was  duly  intimated by the  complainant  to opp.party No.2  on 05.11.2018, 20.11.2018  through Email  with a request to settle the amount. On 12.11.2018 the  opp.party No.2  intimated the  complainant  through E-mail that he received the  complaint  and  forwarded the same with  a request to refund the  amount. In the said  e-mail  opp.party No.2  has asked the  complainant  to wait. As there  was no response from opp.party No2,  on 08.12.2018  the  complainant submitted Transaction Dispute Form to opp.party No.2 with a request  to resolve the dispute but  there was  no  response. Finding  no  other  way  on 25.01.2019  the  complainant  sent a notice to opp.party No.2 to settle the dispute  within seven days. There was  no response from opp.party No.2. Hence  this case.

3.       In  pursuance  of notice issued  by this Forum/Commission  to both the opp.parties through  Regd. Post with  A.D  on 11.07.2014  ,the  opp.party No.1 filed  his  written objection  on 11.12.2019. Opp.party No.2  has neither appeared  nor contested the case.

4.       The case  of  the opp.aprtyNo.1 is that the  complaint filed by the  complainant  is not  maintainable  either  in law  or  in facts. There  is  no cause  of action to file this case. There is  no prima facie case  against the opp.party No.1. It  was filed with some  oblique  motive. The  complainant  is   not a   consumer under C.P.Act, 1986.  The  case   is not  maintainable  before  the present  Forum/Commission in  view of  arbitration clause as per the  card holder  agreement. The complaint is  bound  by the  terms and  conditions of the agreement. The  complainant had  applied for  credit card in  the  month of  October, 2017 and the opp.party No.1  issued  card   No. 0004377485657125316 with a credit card limit of Rs.95,000.00 On 24.10.2018  there was a  transaction for  Rs.11,305.13 in the  said  card by the  complainant. The  complainant  raised  the  vide   service request   No.142542882753 dtd. 27.11.2018  . The opp.party No.1  sent  follow-up email  to the  complainant  on 02.12.2018, the  said   communication was received  by the  complainant. The  payment  was made  for  IRCTCTTOURISIMPAYTM. On 04.12.2018 and 05.12.2018 reply was  submitted  to the  complainant  by the opp.party No.1. On 08.12.2018  an email was  received from  the  complainant  and reply was  given  to   him on 22.12.2018  and 26.12.2018. As the  complainant  is   failed to  file  the required documents  the  case  of the   complainant was closed. The  case is  not  maintainable.

5.       The  complainant has filed the present complaint  supported with affidavit. He declined to  adduce  evidence during  hearing of the  case. The opp.parties   also   did not choose  to adduce evidence during hearing. It is  clear from the   complaint petition  that the  complainant  had  booked two numbers  of flight tickets from opp.party No.2 in his name and in the name of  his  wife Sunita Upadhyay  on 24.10.2018  for   a  travel on 06.12.2018  to Varanasi  from Ahmedabad. It  was  booked  through  mobile  hand set of the   complainant vide  transaction ID -2001569934  for an amount of Rs.11,305.13. The said  amount  was debited from the  credit card  of the  complainant issued  by opp.party No.1.Annexure- A  is the  photo copy  of the  transaction detail and Annexure- B  is the statement of  account. Subsequently  the  complainant  came  to  know that the  flight  ticket  were not  booked by  opp.party No.2  nor the  amount deducted from his  account was  returned   in  his  account  within 72 hours. The  said  fact was  duly  intimated by the  complainant  to  opp.party No.2  on 05.11.2018 and 20.11.2018 through e-mail with a  request to settle  the  amount. Annexure C & D  are the   photo copy  of the   said   email communication  by the complainant. On 12.11.2018 the opp.party No.2 intimated the  complainant  through email that  they have received  the complaint  and forwarded  his  request for  refund and  also asked him to wait. Annexure- E is  the photo copy  of the   of the said  communication. As there was   no response  from opp.party No.2  on 08.12.2018 the  complainant  submitted  a complaint  to opp.party No.2 in shape of  transaction dispute with request to resolve the  matter. Annexure- F is  the photo copy  of the   of the  said  transaction dispute form. As there  was no response  till 25.11.2019, again the  complainant  sent  a final notice to opp.party No.2  to resolve the matter within seven days. This time  also  no response from opp.party No.2. There is  deficiency in service  of  not refunding the  amount  to the  complainant which was debited from  his account.

          The  allegations made by the  complainant  in the complaint petition is  fully corroborated by the  documentary  evidence produced by him vide Annexure- A to F. It is  crystal clear that an amount of Rs.11,305.13  was debited from the  account of the  complainant  but  no  flight tickets were  booked by  opp.party No.2.It is  also clear that  the  money taken  away  by the opp.parties from the  account of the  complainant  was not  refunded to him  within  the time specified  or  within a reasonable time. There  is deficiency  in service on the part of  both the  opp.parties. So they are also jointly and  severally liable  to the  complainant  for the  unfair trade practice adopted by them.  

6.       Hence order :-

: O R D E R :

          The  case be and the same is  allowed  in part on  contest  against the opp.party No.1 and exparte against opp.party No.2. Both the  opp.parties are directed to refund  an amount of  Rs.11,350.13 along with   interest @ 7% p.a  from 24.10.2018 till  payment is made. They are  further directed to  pay an amount of Rs.15,000.00 for  deficiency in service and  unfair trade practice  and  to pay an amount of  Rs.5000.00 towards cost of  litigation. Both  the opp.parties are jointly and severally liable to pay  the  awarded amount  within one month from the date of receipt  of   this order, failing  which  they are liable to pay all the  dues  along with   penal interest @12% p.a   to the  complainant  until it is  paid.