Orissa

Rayagada

CC/22/2022

Sri Sridhar Mohapatra - Complainant(s)

Versus

The Branch Manager, Axis Bank - Opp.Party(s)

Self

06 Apr 2023

ORDER

DISTRICT CONSUMER DISPUTES REDRESSAL COMMISSION RAYAGADA, ODISHA.

 

Date of Institution: 07.02.2022

     Date of Final Hearing: 22.03.2023

        Date of  Pronouncement: 06.04.2023

 

CONSUMER COMPLAINT NO. 22 / 2022

Sri Sridhar Mohapatra, S/O: Late Gopinath Mohapatra,

Resident  of  Raniguda Farm,

Post/Dist: Rayagada. 765 001.

(Through Self for the Complainant)                           …Complainant

 

Versus

1.The Branch Manager,

Axis Bank Ltd.,

Rayagada   And  2 anothers.

(Sri K.Ch.G.S.Kumandan, Advocate  for the   O.Ps).

 

                                                                                    …Opposite Parties

 

Present:          1. Sri Rajendra Kumar Panda, President.

           2. Sri Satish Kumar Panigrahi, Member.

ORDER

Sri  Rajendra  Kumar  Panda, President.

Brief facts of the case:-

Case in hand is the allegation of  deficiency in service and unfair trade practice by the O.Ps  not to   claim  of  Rs.41,997/- from the credit card  No. 4514570005980555  which was a  fraud  transaction for   which  the complainant sought  redressal.

The  O.Ps appeared through their learned  counsel  and filed written version. In the  written version they  preliminary  contended that the case is not maintainable before this  commission as  this is a  cyber crime .

The complainant is absent  on repeated  call.

On perusal of the record  it is revealed  that the complainant  using  credit card No.  4514570005980555  of O.Ps(Bank).  On Dated. 8.2.2022  in shape  of   fraud   transaction  withdrawn  a sum of Rs. 41,997/- by  some one  from the   credit card No.  4514570005980555  of the complainant. In this connection  the complainant   had  also  filed  F.I.R.  in the  Rayagada Police  Station  on Dtd. 10.2.2022  (copies of the   same is available  in the file).   This is a offence of  cheating   over mobile  call  and a Cyber crime. 

 On perusal of the  complaint petition this  Commission  observed  complaints   which  are   based on  allegations of fraud  and forgery  are not  to be entertained by  Consumer Commission.  In our view , having  regard to  the nature and gamut  of controversy  which is raised  in the present  complaints, it can  not be  decided  by a  Consumer Commission in exercise of  its  summary   jurisdiction   under the  Consumer   Protection Act, 2019 because the trial  of such complaints  would  require  voluminous documentary   and oral  evidence   including cross examination  of various witness  and experts, which  can not be   possibly  be done  by this Commission  in such a jurisdiction.  The trial  and disposal of  such  complaints  can not be done  within the  stipulated   time span  of 3 or 4 months  or even a year or   so as it would  require  protracted trial  and  hearings.

That the matters relating to offence of   cheating  over  mobile phone and  Cyber crime     will not comes under the purview of the C.P. Act, 2019.  This commission  has lack of jurisdiction to adjudicate the dispute relating to  the fraud  transaction  in the credit  card.  Hence  the  case is not maintainable in view of the above discussion.

The grievance of the complainant not to claim Rs.41,997/-  by the O.Ps(Bank) towards  credit  card   can be raised  before the appropriate court of law and not before this commission. We  do not  think  proper to go  into merit of this case.

Hence, the claim of the   complainant can not be accepted under the provisions of the C.P. Act. It is open to  complainant   ordinary remedy to approach the court of competent  having  its jurisdiction.

The period  spent before the Consumer Commission  could be excluded, while calculating  the period of limitation, as  contemplated Under  Section -14 of the Limitation Act, 1963.

Miscellaneous  order if any  delivered by this  commission  relating to this case  stands vacated. 

Pronounced in the open court of this Commission today on this 6^th. Day of  April, 2023 under the  seal  & signature of  this Commission.

Dictated and corrected  by me.

I agree

MEMBER                                                                 PRESIDENT

 A copy of this order be provided to all the parties at  free of cost as mandated by the Consumer Protection Act,  2019 or they may download same from the confonet.nic.in to treat the same as if copy of order received from this Commission.

The judgment be uploaded forthwith on the website of the Commission for the perusal of the parties.

File be consigned to the record room along with a copy of this Judgment.

  

 (S. K. PANIGRAHI)                                                        (R. K. PANDA)

MEMBER                                                                 PRESIDENT

 

PRONOUNCED ON 6.04.2023