CITI BANK NA Vs. INDU KAUL

JUDGEMENT

(1.) THE short facts of the case are that the complainant had taken home loan of Rs. 4 lacs from the OP Bank, pledging as security some title documents of her property with the OP Bank. Despite paying off the loan amount, the OP bank did not return her the title documents, on the ground that on 2.7.2002 Rs. 20,558.74 were due towards the credit facility availed by her, while the case of the complainant is that there were no such dues. The complainant on these allegations, alleging deficiency in service and unfair trade practice, filed a complaint before District Forum against the OP Bank.

(2.) THE OP opposed the claim and filed the written statement denying all the adverse allegations and pleaded that on 20.7.2002, Rs. 20,558.74, were due towards the credit card facility against her, and unless she pays, she is not entitled to get her title deed restored to her.

(3.) THE District Forum on consideration of evidence of both the parties directed the Bank to return her the title documents, to pay her Rs. 2,00,000 towards the compensation for deficiency of service and unfair trade practice, and Rs. 10,000 towards the litigation costs.