HDFC BANK LTD Vs. MONOJIT BHATTACHARYA

JUDGEMENT

(1.) COUNSEL for parties present. Shri Monojit Bhattarcharya, the complainant received a credit -card from M/s. HDFC Bank Ltd. (OP -1), with credit limit of Rs.1,16,000/ -. The bank suo -moto enhanced the credit limit to Rs.1,79,000/ - and no consent of the complainant was sought. The case of the complainant is that he did not receive the new credit -card. The old credit -card was blocked w.e.f. 15.06.2007 and its further usage was stopped.

(2.) THE oral submission of the complainant as propounded by his counsel is that he never received the said card, whereas the complainant mentioned in his complaint as under: -

(3.) THE allegation of the complainant is that he experienced humiliation while attempting to utilize the first credit -card. The OP had demanded outstanding amount in the sum of Rs.1,28,774.67/ - against some bills from the complainant. In this context, my attention was invited towards the statements of account placed on record. It clearly goes to show that the opening balance was Rs.70,074.77/ - and this statement is dated 17.05.2007. However, the total dues were shown as Rs.73,228.89/ - which also mentions payments/credits of Rs.4,000/ -, purchase/debits as Rs.5068.52/ - and finance charges as Rs.2085.60/ - There is another statement dated 17.06.2007, which shows total dues in the sum of Rs.74,012.06/ -. The OP bank has also placed on record the statement dated 17.08.2007, which shows total dues in the sum of Rs.74,042.89/ -, the statement dated 17.09.2007 reveals total due amount of Rs.79,004.52/ -, the statement dated 17.10.2007 reveals total due amount of Rs.84,041.99/ -, the statement dated 17.11.2007 reveals total due amount of Rs.89,310.65/ -, the statement dated 17.12.2007 reveals total due amount of Rs.1,19,707.54/ -, which also reveals purchase/debits in the sum of Rs.27,202.59/ -, the statement dated 17.01.2008 reveals total due amount in the sum of Rs.1,24,283.07/ - and the statement dated 17.02.2008 reveals total due amount in the sum of Rs.1,28,774.67/ -.