Order No.03                 Date-30.06.2022

            Record is taken up for order on the point of admission.

            The matter was heard on  28.06.2022.

            The case of the complainant, in a nutshell; is that the complainant purchased a lorry bearing registeraiton No.  WB 175754 after obtaining loan of Rs. 15,58,000/- from the OP Bank on execution of loan agreement bearing No. CVL001700863365 and the EMI of Rs. 38,956/- is to be liqiduated in 56 monthly installments. On account of Covid-19 pandemic, complainant fails to pay the EMIs to the OP Bank for which he submitted a representation to the OP Bank with a proposal of OTS at a tune of Rs.  4,00,000/- against the above  loan account. Despite of writen representation the OP did not reply. Thus, the complainant has filed the instant consumer case directing the OP Bank to pay EMIs and issue NOC on full payment of OTS amount along with compensation.

            It is clear from the averment of the consumer complaint that vehicle loan of Rs.  15,58,000/- was sanctioned by the OP to the complainant  for purchasing a lorry bearing registeraiton No.  WB 175754 and in terms of the loan agreement bearing No. CVL001700863365  the complainant is liable to pay Rs. Rs. 38,956/- each  per month as EMIs. The total EMIs is 56.  As per terms and conditons of loan agreement, the complainant is liable to repay the loan amount within 56 EMIs. Admittedly complainant failed to repay the loan amount in terms of the agreement. In our view, the complainant is bound to abide the terms and conditions of the loan agreement.  Non giving any reply against the written reprensentation is no ground for any unfair trade practice on the part of the OP. Thus, there is no amount to unfair trade practice.

            For the reason stated above, we are not incliend to admit the complaint as there is no unfair trade practice on the part of the OP. Thus, the consumer complaint is not admitted.