A N SHARMA Vs. DIVISIONAL MANAGER SYNDICATE BANK

JUDGEMENT

(1.) This appeal was filed against the order dated 8.4.1991 of the State Commission, Union Territory of Chandigarh.

(2.) In this case the respondent-bank had not sanctioned the loan under the Rural Industrialization Scheme to the complainant. According to the complainant he was entitled to this loan under the credit policy laid down by the Government of India and the guidelines in regard to the credit issued by the Reserve Bank of India.

(3.) The State Commission took the view that the adjudication of this dispute would necessitate recording of elaborate oral evidence, apart from adducing extensive documentary evidence by both the parties. It cited the Order of this Commission in M/s. Special Machines, Karnal v. Punjab National Bank & Ors. (Original Petition No. 32 of 1989)=I (1991) CPJ 78 (NC). decided on 22.12.1989 that the Consumer Forums should exercise powers only in cases where the issues involved are simple, such as defective quality of the goods purchased or deficiency of service to be performed for consideration and further held that elaborate scrutiny and settlement of accounts can be satisfactorily undertaken and performed only in a regular Civil Court and not under the Consumer Protection Act.