K BHASKARAN Vs. STANDARD CHARTERED BANK LTD

JUDGEMENT

(1.) IN this revision petition filed under Section 21(b) of the Consumer Protection Act, 1986(for short, 'Act ') there is challenge to order dated 18.4.2013 passed by State Consumer Disputes Redressal Commission, Chennai(for short, 'State Commission) in First Appeal No. 252 of 2011.

(2.) BRIEF facts are that Petitioner/Complainant had availed the services of Respondents/O.Ps.by holding five credit cards issued by Respondent No.1. It is alleged that Petitioner had been making prompt payments for all the five cards. Only because of the services offered by the respondents went against the agreed norms, petitioner decided to withdraw from the said services. After consulting the official of the respondent no.1 and as per the advice received, petitioner cut into pieces all the five cards and sent the same to respondent no.1 along with 12 cheques for full and final settlement of the entire dues. Respondent No.1 having received the letter and cheques along with cut pieces of five credit cards had also encashed all the 12 cheques. Only after the 12 cheques were honoured, respondent no. 1 started sending further demand letters to the petitioner as if he owed money to respondent no.1 under the said credit card transactions. Having accepted the said 12 cheques towards the settlement of entire dues and having encashed them, respondent no.1 is estopped from claiming any further amount from the petitioner. The act of respondents in initiating proceedings before the Tamil Nadu State Legal Service Authority amounts to deficiency in service on their part.

(3.) DISTRICT Consumer Disputes Redressal Forum, Chennai (South)(for short, 'District Forum '), vide order dated 20.12.2007, dismissed the complaint of the petitioner being devoid of merits.