HDFC BANK LTD Vs. ANURAG GUPTA

JUDGEMENT

(1.) This Revision Petition No. 2250 of 2016 challenges the order of State Consumer Disputes Redressal Commission, UP, Lucknow ('the State Commission') dtd. 18/3/2016. Vide this order, the State Commission dismissed Appeal No. 2084 of 2010 and affirmed the District Consumer Disputes Redressal Forum-II, Agra ('the District Forum') order dtd. 15/11/2010.

(2.) The present Revision Petition was initially dismissed as barred by limitation by this Commission vide order dtd. 14/9/2018. In response, the Petitioner/OP filed Civil Appeal Nos. 12260-12261 of 2018 before the Hon'ble Supreme Court. The Hon'ble Supreme Court allowed the Appeal thereby condoning the delay in filing the Revision Petition. Consequently, the Supreme Court set aside the order of this Commission dtd. 14/9/2018. As a result, the matter was remitted back to this Commission for determination on merits.

(3.) Brief facts of the case, as per the Complainant, are that he had held a Savings Bank Account (No. 1211000003240) with Opposite Party (OP) Bank at Sanjay Place, Agra. On 21/9/2002, he deposited a Payment Warrant (No. 6540222699) for USD $15,000 into his account. The OP Bank assured him that the payment would be credited within about one month. However, even after a year had passed, the bank failed to credit the amount to his account, and they did not provide any satisfactory explanation for the delay despite inquiries. While the complainant had sent notices to the bank, no response was received, and the amount from the payment warrant remained uncredited. Consequently, feeling aggrieved by the bank's actions, the complainant filed a consumer complaint before the District Forum seeking redressal.