SEEMA VERMA Vs. MANAGER ASHOK LEYLAND FINANCE

JUDGEMENT

(1.) This appeal, under Sec.15 of the Consumer Protection Act, 1986 , is directed against the order dated 14.3.2002 in Complaint No.445/2001, by District Consumer Disputes Redressal Forum, Raipur (hereinafter call the 'district Forum' for short) dismissing the complaint of the complainant/appellant.

(2.) The relevant facts not in dispute stated in brief are that the complainant/appellant purchased a jeep by obtaining loan of Rs.1,60,000/- under hire purchase agreement from respondent No.1. The total amount payable with interest under the said agreement by the complainant was Rs.2,37,200/-. The above amount was payable in 36 instalments. It is also not in dispute that whole of the above amount has already been paid by the complainant/appellant. In fact Rs.9/- were paid in excess, in addition to the above amount of Rs.2,37,200/- as would be clear from the statement (Annexure-'a') issued by the respondent.

(3.) It appears that dispute arose on account of respondent asking for additional finance charges amounting to Rs.5,873.71 p. on account of alleged belated payment of the amount of instalments. According to the complainant/appellant the amount of additional finance charges as above was not payable by him, as he had issued post-dated cheques for all the instalments, as desired by the respondent yet demand as above was being raised by the respondent.