Sirish R Shah vs Indian Bank on 4 October, 2007

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State Consumer Disputes Redressal Commission

Sirish R Shah vs Indian Bank on 4 October, 2007

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in tflm éamaglmi hiiiiidirxg ism lmksaém am» yawmitwssi: :9' Ram' egwraizéé far mas: 3 mt' mava ii:-am; tixaéﬁ than is: man .maiata11~a:§c:a, cieaaniiﬁasag ma $a§$¥;§*' in ihsa» huiléiangi -am tkam is an staff dining ﬂm E:-m:::rs aaiiaimé fm' ;epaara§i:::§ the; ami that'tk§ {man ha anzgsxrawtvehci m31§"--wh@n itha amﬁ is eaiiml ﬁmjgﬁsaixag: t'.§mt1 awuérgv §«'m:* ttEh:e: 'mat-sgi has hmni.

i;:'i»:3§*3a&3§§;. témt. ma-{iﬁa ta Emmzi mfﬁm aguﬁ.

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Stiii, 'hﬂwm+&:i. 3a::::'2w5 'Swim:-'3 §m~.«a% 1333?'. §.«a?sa.e::at ﬁiaifﬁed. mu m:«w' .§mi§:i§m+;,»;.., {Sin izhmsa ms.namanim; ma mmgiainant :*iasf*:.:z:a::i'i £271-°f' vﬁs=.5.,~%3$ﬁ§~ *w§§¥ .a§"' iiwkam 'anﬁ E§--.i.§...si3§ﬁ£+ fémr manﬁafi harass-mm: sfaé :R$w£.--5W:§+ wags' zzztf misméianﬁmss axpm-saa, in $31 §;.$§n :3 it ia 4s::--§§_:aam& that. a§§mants wsxm- witﬁ ths wmmmaa--- <3? ﬁﬁia atmmﬁainrtg .€';§§§@::a:.st. fiiimsi. ---vitziaa 13 am ma: mum. af ihez a@m§§ain§m: émyiag; 'am §i§&§':;a::tim*;1se in mmggaiaiﬁix 3:5: is aémmsaé ﬁat. ﬁhaa wmgasiatimai; has fa isasriixasir Ewing I§°§e'z'§vi:}$i'ii

3.;..§:sa:;k1ar'E'€m Iﬁéﬁ in than: '€¥§p2§§i$~£1§ ihaixkg. ﬁiazﬁ &ﬁ:m° irhia ﬁha i§§:a:&§r_i:1g§ vwarms $3 am in :s§:::.$r!; mm --;i=:;: a '§a:am-mmxzg ha;z:ili<..:I'£i.m§§.,: hanmxg mwicma wsaw madly $?§.é?'E&§§&'§-'"338 'tam ausiamars anti rm i§ha§§:_w'm tammmmh: aikimwci. m as ﬂaw. hu~iEﬁi;::,§_ ﬁrm him hsnspﬁtai in ﬁha .mm:u%imae, "f&§'$T§1!Eiii$f§§§_§' -maﬁa $23 as 33$-W' bi' 33$ wgtzh .sa:i%x ti~:€§;3::asai'$ vaaziiiﬁ semi: tirmfing Stzixsaai; maziiéaﬁi mfg £'§=l§§}£T§§§i;

"}:rm3§ar izawivims. wamumaéa as»*ai§s.h§s ta 'gm tzustnmaxs in tiiiza am huiiﬁiag aw them» wag ma: vzsetihar sa:=i?§ahi«§ _;;_:1a.e:a::. asraiﬁﬁhlm fﬁﬁ': isasﬁkam. and the .im5i;a:*s ram: in awe: §;I.as.:2»&~. is thgﬁ: ¥@».»:-"'ka:«.:-= mwima swam "maﬁa: axsaiiiaéfissias far as-rm ihﬁrlif' a waiaié. it is aim zisansiaﬁ 'that :.s%&:;§f was nevi'---a:;va1i1;a;§1i«ss in tiia §:sx§i.&§3ag~ £:s:;m;tr'am2§ ma imtskmm-:; that tha imksar aawiexsas wam gmvideﬁ: in ma £:?1§ai§i~'<Em'.%I.\\§:1'§ wary: §zas.1;:%: ;t$i::a:: W hmm mkaan: stihaa issmimsns an -35%} may haw ham p&y§§§§'th'a' &?i£3i§. axaapt. thsa wmpiaisaarst, gm 'atémrt .+:-mmmr aim: .ave~r mmﬁasinad aheut than _§mic.éx* mmﬁaa' .:l}:«::m.:::$:- the rent: nif ﬁm imiésm is' an $11-inﬁia §}3$§F§«;» tkat-. tasmgmrmy ﬁata w&ae:.§§t:;e& far sgﬁifﬁingf ta 5%,. ﬁfijaynagar .Smsia§js* bat gmmnsm nf' -ﬁisﬁliiiﬁ 2:13'-ﬁia us' ma imwmrsixig {.3f7'§;§!j&§ da7§§:§-r ha: @~l;%£ISﬁ.?$§{£:%:3I§'€§ aswzi that ma E..«::=-ciifmm .§}1éa:s:*«u:s =s§*i.t1fh &ﬁaset% fmm L9.32°G§*;5 aniai 'hava-ﬁmﬁ as bafmuwr; that tiimm am an agsmiﬁsg.

ﬁamiﬁas er iazsﬁfanaa g}?§§F§:;:. ahsmit :§e§=;a§~am:.:§§ in cs? ﬁmkar sarviswu anti it is mi: '§'.h&§: es3f§§:pi=ainant éhaﬁ gfraaa ha tha far' §Va<;=2k:,m*--ami Mr ﬁisis Lam gm: ﬁhxa aawimg that. «ma aamgizainazst. has §!'r"iﬁ§§.®§ §z:a::km.* aa:a§r?:§:;j'i.j1.:aiza=~ 333$ :2s;it-- --a<a'::ti&:§s;n:1 ta; »..~:¥:a;§.::1. rgsfsjsné; 125% daﬁcéaaay ii: $§Lt?"'s*ii'$-IE aaiataﬁ mzit' 1&3: iha:

aamzﬁaéxiaasit aémﬁ tizmvfmm mast; ta =;th:-as "that the:

-aa:-ih.mmi§a- is an. mi; 3%' .a:::.§: =c:3§3p%asz:£§i1'§$ vzsgaixxatéit bust. kiaiﬁ; rmgpanaiéﬁia far 't;¥:~'9-- .::;nm:>xwmianm an aesmkmi 13$ aha' £§ar§h=§;:.ai:_as, ﬂitni avemmm; ='§;§§ s;mn=1::a§2a.in£. was ta: dismgimsiwé.

«§ 'ﬂag Mmm hag mxizﬁﬁaamﬁ 'irks §me§a~erii:..§;:::E&..iii_;$% 'ix; mmmrt mi ﬁlm m§§i§%° 'aim agmpgnanh inxriﬁaﬁmn iszarﬂ' &a§s§ iV:iE.T'§®§}§ aL§m£¥; tzsmngizig urf tha aw -imiiiéiiug Zﬁsﬁaric 2&3 :&'n.é $353; i:§s§rt:::s$ii<:am- ﬁes: :>;mam%;§;r:::§ imkar R13 and. iE£~§':{ by thaw mmp¥ai:§a:n-L mammmmium iaaiarrk 2:233 gag ::siark 3.3351 mgam. mxie; mg Safe; ﬁagsaassit '¢'m:.it.aam;r§?' mgmer 1..:§i2.:E§a3$ 31-'t'I* :§"§;.3...§~i3ﬁi-§_ amif Marﬁﬁ.

$333 ssmi 3§§§ mgim by am kanik m*§31a mamyiaimnk; ﬁaiw $3-+§?--:.2§§§ Tissa dc.-*m:.mm:-ta.= hjs; iiat. gm, 2 Masfk 3§§§"i3_; mfg ﬁagmit: agmammﬁs §.:;m mm. gshritagraghai mm: wt, 3.3% :aL:m;aa:2:as:¢ maﬁ Mawh _3*«~.'£1a::k. §®a£$§r wri-t.1:§:1 1&3? tgim e>m1=a.§§&itmn::§; t§'1t"ihaJ@ .i¢:'iém+*a:m.ar.-..R$aanre Rank. a§ iE1n:di§_,.,.§I%*s§ma9ha:§. .3ﬁ.§'£m{}§ ami Mark H12' hsazmar wriﬁtaarn; by §$s:.:a-- mmaaiasinam; ta: Fimaamsag '§s{iii§:n;ias?mr said» iﬁ ':fi§re:»ﬁ tixa »=.:*=s:*.:.:?:2,§§aj§':m:zt-. Eaaméﬁ Eﬁamzu «zmnsiﬂgarirng thas 'ma'tar.ia§ an rmmﬁ séi§sm:iam:1 riﬁm asaxnipﬁmaﬁ 'WERE: ma »:::*i::§&.:* 3&3: ¢z'.e:e$t§., -it §§ iihsis ii $33? _t §1-'13' i%a:&:rép§a:§£§ar::t in §2'§§£;§ &;_fr;s§va§E. Si-'zazia. ﬁsat in 'tihsa aamhgiuaka an .".é§'£E':..§...%3'-'£§é&£}i.... Rim =r:;:it".§** wan haﬁiy éamagmig mat ma mmzgikainant is, haﬁng 'W9 33% ﬁiwésﬁ Ming 1&5 mi in Fixaawatnsaésat; tﬁai: as: hx:.i§sait1im.z 'wags iizmﬁiy ﬁamagaﬁ}. iim was ta anmthar mﬁh gxima Wham kite Vbaniemgg :3 1:5" 2:;

maxvkeas ware the emtsti:nu&d is: =§{:i&3 51-aaseisiamtgs was an gmffi mam E25 aparating rthai. that szha $im=a .§§r' szgmxainig am imkiaaia tiag »=t::2:1%:.s$::=mx§r -w$&.ai+-- mm Emuxsg. §;i§2;&$ wmawar a. was he -ﬁgansﬁiaamwtaﬁ £33! ms: mnammér, ﬁzasx '!S§§&.8i'l§ai§1'7 hm. N ha caxiiaﬁ. by--m§ej§hm:in§ fmm £323 Ihmnmh w§::ia§:§&. is

-33? 31 Eiimanua af amufiz. 3 fram iziita aﬁﬁ §Ni.E§i€§?i;!'§§i: 'that 'tismwe w:a;a Em §;r;:st:lfi:&t;i.~»:m aha: s:e§§w,.;aa::1%.: hank; mat ms wmmti. mﬁ Em' tiéxia =@<c;«m*a::.x§e:z:a:::a:. $'f'='1:§::® :s:u.stamaans mi and when the: m:m::sms~r mg; toe t.-E:a-- --:%si§:§ ii'm§i§if1:m;;; n§;m'&ti!?£§' ths §m:§m:$; $§$$'!.*& was: mar e:§sam$:*iai:§§r,.

--¢:§.S§¥1§i§t.$®& -am' mamtmagmza :i::1 the: aﬁﬁs buﬁdimg £§m%t.~ as war .a§smamaﬁf§ -thzsia baiak is 91:13:?

:§ia:* 35>. &;n.atasardE wigs maje: hwy faxaardés :}f¢:x~ =s@:i.m-xmﬁng aim imsbarm by {ﬁg msmmaam aaunﬁ t§1at'is éiafiiwsievnerg? in

-ram i°»_§i=$ gar: §a=:asha:atki wﬁsixsh has mumﬁ §nem:;r::=mn,;§mm anal ha.mzs;amani:

"Em ﬁm. siakmgﬁlsaizzmitg.

ﬁ ._s§sa- agxaintsst It;ﬁi§g 1% is £3§::m1%k:s;§=n:, §_:i.

that' Baéiiﬁsixgé mammm mié tﬁas' xamhiﬁm as mwica is aim a [5h§:§1§§E£1=§§[email protected]@$; ﬁhat. tisna xmxt h;a:a= at @325 mm hat; tha mat ia clﬁargani am aii izsxiia isaais .:a:3;Is_%i:§:a §fI%V%&§§iﬁv';§ ism §2i¥§1i:E- ta: -time; xhatjﬁha: immsm' ia mm mmmisjssima am? eihargm *§i+:«r mmm ha? ghsa LR3;$s$;.t"§.»*§ ﬂank {if imzéiag mat;

-aasﬁkqﬁaka a. na*.;;umi eaiamizy and ﬁasgitge. that sawing: izm§x§§i.:a§-- Emiaar 3:33 am' ~t§m,:t' ms '=7E3e;1$}$$d.ii*;§:£3it& iﬁag ? arf 3:3 E%§'a::n:..i"? n§ ﬁns'. a,a3:*m::3sa:1=§:, §:li2::§.ng m'?t<'£?&~§1§*§§.§§&:§.°§" ::mzti.n§;i%:=:m_i§:$_ Ema: wmi; ﬁam. ﬁmmﬁgs am, tghe bank has a régiiﬁ aim éﬁa safa :iesgmit-- vaazm ﬁxer samihz i£:i':rr.::ee:- 3.3%: ma;ai§=' *i='é--*Ei'«'£'.§&§§aE§&ET' :.:esse:~assa'sa;=z.°y~.«a.avm3; --t;:I}:za .§m;a:'i's: aim mzsawea ﬁglhjtt '&:xE" makiag {:E1a:::g:§:&.:¥:: tizaa 'aagmxing ami timing' Tkaum éf §:h;vae*=' ~wmuI§é:s %§sri3:;i1»an:u?£ any pmvilasm intimat§m;. that w§?m:§$w'§=r' & a%::§.a§;§ma:r- ﬁwrniatamiiééati time fﬁxzxeaakssjr <:k;:asm:§..§i:::=:a':.: s«.§a.t.:'%2*.§m: hm iismn by Ska hank: ~'§:§:a:§-- §:j:s;i'é:a«hia Maguarta mwé mﬁa yresmiaaéra waza ﬂat: .a's==a:ii&b3a-- iﬁaeaam Jizizsa sgztaazzzifia §ui§s§§;ina@ srzaf Eamk cf §s:&ia fiazv 1!,-'é§.I.i$$£?"§§»i'.°;'-?'E5i[¥;i=§ aka s'a:§s a;$;:n§ws§§v&'§1§§a; that aﬁzar 'tka aar§§;1-qiiakar wﬁm :;x£*&a%~;i;* ﬁiiif'-4§tiki.%' §§l:e1m«=&:3é mnrméy -aunaﬁxusﬁ Kmw' Vﬁiwsntha ﬁma iiiwvaiagmant tank nmaziy mint; gxasw '$333 giaiiiéa mgartﬁing ma {sf amstzfzzsctiixn -(sf §§;ta--*§aa.§;¥{ii:3§_ ami: in that tﬁntaﬁrm zigaia was ﬁxsmfar ahiﬁiing sf imkam ta: mt 'ﬁfﬁjayﬁagar 'bu.%'it wag xiaaiatyaaﬁ .?3:;.smmixsa & thus ﬁia;;ara¥;a= with an tgitiés a'f'aws1ers§ii§ sat-"i:§1-a §;m;3«:wisy--a1§.t§ ans zmimhia ngw §3!1:*£.%:1P€§i$§$.1éS'&$ ;a~::.~t nvaikmibh, km L§e;su'§§.ss::*a4 aaxiiﬁi not ha asﬁéé §§exs§§&iaae§ am? as awn: aa. :mw' gmmimis was meaiE§§§.»s,. tkm imkam warms far wihinh a§i'§*§*Ebf§%E42$tﬁ*€s1E§i: wax §ii_'&_*'i&i3; tiissst; :;it::2im§;_ ?§2~a.1'§i::sasea kaazssm,' 'ism; haw ﬁmxai giwmn izmiaéing lémizms emmtma mée' 212% at .i.$§E1l§i$" .izz»:&£ié.n>%V 35 damage as? aw incidsnt ragnxﬁigng .--:*»:§ vizhes: m:a55mmw's» Raﬁ Iiman. .&:'@j§)d€J*.'£'§§®ﬁ wkﬁg zzzspmratixsg tiim in '%:§a~ saiﬁ m::§5E:¥i-mg. tiii §§2if£;§11§* £:§§5§' tsimt $3'-m mam? §=:§§i?éEi::a=§ has in has @§§'?ﬁ>&§$!1§§iix§£i far safaa a§.$§3s:§§it:V&i:§E$ as gar zga-§&¥.aii;z:;m am§»EtE;h.a§ :»a*:anz2~:K.i-- shift gmmisms §xxzm«=:ma aaxatzii. ta as §§1.«ss; ami szﬁi' thus cu-xmmam ﬁmvas La:a.§m= am am mkaa Qﬁﬁaiﬁﬁmﬁﬁa. as my :1»;

ae;f'=m guiéaiizxm .a::;.:§. tires 3.i:i$£s',;s:§ .«.s::'su§& anigs' Em within. a::.~aa; i;§:a=t' ti§1:.rm;; tha §§a;a;_;."*$,®§ éihias hmﬁsams 23$ £22.-a Ems' 'imztwamsé Esatwzraszae scarf the Ems: mnﬁﬁmd by me max: in tha-cx::s§::=am.m+s.

'f it smamsmt §i§a*§1if§:®ﬂ--t§1&E§5§&2t:§§i§§§h.3C3*ii$t£'§i:§ inch: Shag sity was éaxaxﬁgad by' a-- aievastatiag aa ;i1:;8;;§ am; 'wizismh ﬁaszmvﬁ? iarggra ﬁamagia $332+ 'ma and atf yamanax msrthqixaiia am a §ar--ma.~:ﬁ1ia§ s%§Eaa::$ {:23 tﬁah::::.ma:n iiiwea an-:3 mrmai wgm &m;*§;£:§i$§3f £3: ass taﬁsa as ﬁhw; 3%' the:

1~1Z§£'é3£$.§." sri;2s,. is ~:m::mama>§.. .it: is in §';ism'zrza -avwz éf.:;er§3:§° izira gimzrimk ma mu ..'Ei6@§.-ﬁﬂié-'.51, -aka.' s::nrm:§§a;i:x&$§;t has amiia-ayé. {ha n:§' iigis imkérm: am 1&5» asaﬁ ﬁm the msﬁanﬁant hawk 'tL¥33.as mait is? aharwé 312$ Timiia basis' dawnéing can timvsmé ®~f't;§$ §w?»3E°8:¥i "Ema mmgaiiainant wk-ﬁe waxy" tbs §:mi:-am ﬁaaﬁ. awﬁstmiaﬁé 11mm am:-mmanit: =a*s3:u§;;:s:::us:132::%;-- tags the --5$§oi§*i§4§ﬁi inxtxuctians in thus; aﬁmamasm thy: t3£:*«.:T¥3'1:¥§:&:i£m§i§;: ié hmxxzﬁ -the ﬁﬁnﬁihiﬁﬁﬂ aﬁe- agrmmaatitg 'tihw: tim mast: is tgkar-xgmd--ag. as-eé~ §:=::~:m>*a'i§§;:.2g=:v'xxs:t'ae: tisnza in tiaum ':s¥§2:ir:s%ii: izs jmigrabis: Em advaax-:9 fm' whﬁwh we mm§'}ain.ant Iim that 7t;:I*ne's mat. £7335 hm ham': mvﬁsaﬁi a:::+;m'mﬁ:i:n§ gtazi tha- axsxi? as auggasméﬁ $3335 §&&1n.§;§3§§ samem mmdiamé ar'=a:'»« .uamxi£mz%a:$ asf §t§*I3ii_&1. ﬁiﬁm. £3.33 emnsgpiatimnt Etas-:3 &m.iiiet§. .t?§a.~,a iimtzkar ¥'m*:§§i'£:§'-- v§m=§ng»- we §:'${§3§i%?9&.

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mwaxtﬁa.

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§.'*s;;¢= 33$ :5.

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Iwasr Raﬁ Zﬁayzaassa 9!?' mg? fafim ma. tﬁa pmiﬁz emf ﬁhag msmm:¥m:s§~ mix but. am ﬁiamz was at _ms:hmi~£:a§ eismt &§=i3i3~'-';§=§¥f£§?§ﬁ§i tpiha titfiasgr.

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"gamma amﬁ thw wz3;ﬁan.§ imam Em .a;msi;§;§3tm*§ mys-

zatstiwa-missém: an tiha «mi-.r*t. sisf ﬁg a:w§s:s3:si.m:

N -anti' iﬁi $.37 mm sf" .*:;§I:::a= rsmatanﬁma af tiasa ap;:&§¥:.amz -is. that agsztatiuns warm cm at 3 »&i§§§zaa»=1:*s?'; gins-fisszaa $3}: $§'i.§ﬁ§;1;§.t:Ei;a-- hmmxh ta.

anmsimr ﬁmmiﬁﬁﬁ aﬁar £21-an a*&rti§2§:tm:ka anti -than .s§a:ﬁ?' 333:2! bsa _e:aéE§§£:&2:§ ma igsr azspsaxsing ﬁiss: I:@<::ikm'.,. iﬁt. thwarts: ix lit} times: whem th:s--ma£.ar Wﬁﬁiﬁ s:-rsma am 'azymnmg saf mew imzzkmx --§;.~mk§:2§ ta am w;1?s£i;3':¥;:§s:.:e:a anreif fiisa aEi$ii3'v'§i¥§_V§' wkiaah wias §m;=:%s;fi:i:;»** xiiamagaézif ass. rit. agmﬁm, ma vsmﬁ %wh-am tém i.€:iz:3k3§eI.*--§§ wiwasrsa sitmtagi in 'tha élmmemantt. it apgxwassz tiﬁa-is samaw _§;a%e.i'§it§: 31.536 (mi. ':23 maéjé by .*oa_saiIpand:aanM::1s:;>-zk Ear 17iE:§@I_m*§§E§S the: ﬁmmzh. _whae_m than batik;

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