HARDEEP SINGH DHALIWAL Vs. HDFC BANK LIMITED

JUDGEMENT

(1.) Heard Mr. Hardeep Singh Dhaliwal, the petitioner, in person.

(2.) This revision has been filed against the order of State Consumer Dispute Redressal Commission, Punjab, Chandigarh dtd. 8/7/2020, passed in First Appeal No. 734 of 2019 (arising out of the order of District Consumer Disputes Redressal Forum, Patiyala dtd. 3/10/2019, passed in Consumer Complaint No. 371 of 2018), whereby District Forum, has dismissed the complaint and the appeal filed by the petitioner has also been dismissed.

(3.) Hardeep Singh Dhaliwal (the revisionist) filed Consumer Complaint No. 371 of 2018 claiming (a) for a direction to the respondents to revert Rs.2500.00 in his account, (b) to award appropriate compensation for causing harassment of the complainant, (c) to award litigation cost to the complainant and (d) to impose appropriate penalty upon the respondent Bank for indulging in unfair trade practice and award it to him. It has been stated in the complaint that the complainant had applied for issue of Regalia Credit Card upon incessant solicitation and solemn pledge of the agent of the respondent bank that the card was a special offer and carry no burden of monthly or annual membership fee. On the first page of the application for issue of credit card, an endorsement" (No annual/ one time/ monthly charge" was written in handwriting. Thereafter, the respondent bank issued Regalia Credit Card to the complainant, in 2017. However, in the monthly statement of account dtd. 14/6/2018, the bank billed Rs.2500.00 as Annual Membership Fee. The complainant protested the matter through emails dtd. 25/6/2018 and 27/6/2018 then he was informed that as he had not met annual spending threshold of Rs.3,00,000.00 in last year as such he was not entitled for waiver for membership fee. The respondent has committed "unfair trade practice".