BAISAKH SINGH PUNDHIR Vs. STANDARD CHARTERED BANK

JUDGEMENT

(1.) ON the face of it the impugned order dated 5.2.2008, is unreasoned, laconic and have not dealt with the allegations of the appellant, whereby the complaint of the appellant seeking refund of the amount of Rs. 12,000 as well as compensation was dismissed.

(2.) ALLEGATION of the appellant leading to the impugned order in brief were that the appellant has two Credit Card Nos. 4129 -0483 -08616 -7008 and 5543 -7883 -8610 -1300 since 1995. In 2002, appellant realised that respondent has exploited appellant by way of debiting late charges, pick up charges, in the statement of account of both credit cards. Respondent also cheated the appellant in every possible manner. Respondent asked the appellant to deposit Rs. 12,000 as pre -condition for issuing statement of account since 1995. Accordingly appellant deposited Rs. 12,000 with the respondent. In spite of deposit of Rs. 12,000 the respondent did not furnish the statement of account since 1995. The appellant termed the action of the respondent i.e. non -supply of statement of account since 1995 in respect of both credit cards as deficiency in service on the part of the respondent.

(3.) IN their defence respondent took the plea that different charges are payable by the consumer and denied unjustified debit entry. The aforesaid allegation and the defence has been dealt by the District Forum in the following manner: There is no evidence on the record that OP charged over and above the due amount. No directions can be issued to the OP to supply copy of the statement of account since 1995. 13 years have already been lapsed. The jurisdiction of the Forum cannot be exercised to create evidence.