CANARA BANK Vs. PADMINI

JUDGEMENT

(1.) This revision is directed against the order of the Kerala State Consumer Disputes Redressal Commission, Thiruvananthapura (in short, "the State Commission) dated 8.2.2011 in first appeal No.565/2011.

(2.) Briefly stated, facts relevant for the disposal of the revision petition are that the respondent filed a consumer complaint alleging that she alongwith her relative Lalitha K.P. took a loan of Rs.2 Lakh from the petitioner bank in Kishan Credit Card Scheme in October, 2004 by mortgaging their property measuring 4.72 acres. After taking of loan a debt waiver and debt relief scheme was introduced by the Central Government. It is the case of the respondent/complainant that under the said scheme the complainant was entitled to the benefit of waiver of the amount covered under the loan with interest. However, the petitioner/opposite party instead of allowing the waiver of entire amount waived the loan amount of Rs.1 Lakh and interest thereon. The respondent/complainant requested the petitioner to waive off the entire loan but in vain. Feeling aggrieved the respondent raised a consumer dispute.

(3.) The opposite party in its written statement denied having committed any deficiency in service. It was alleged in the written statement that in terms of the loan waiver scheme of the Central Government, the complainant was given benefit of waiver of Rs.1,10,911/- which included the principal amount upto Rs.1 Lakh and interest thereon.