TILAK RAJ Vs. H.P. STATE CO-OPERATIVE BANK LTD. & ANOTHER

JUDGEMENT

(1.) Appellant has preferred this appeal against the order dated 26.4.2013, of learned District Consumer Disputes Redressal Forum, Bilaspur, whereby his complaint, under Section 12 of the Consumer Protection Act, 1986, which he filed against the respondents, has been dismissed.

(2.) Appellant filed a complaint, under Section 12 of the Consumer Protection Act, 1986, alleging that on 15.12.2006, he had raised a loan of Rs.2.00 lacs from the respondents and that the said loan was to be repaid in monthly instalments of Rs.3,196/ - from 15.12.2006 to 15.12.2014. It was alleged that appellant could not pay instalments after September, 2007, and became a defaulter. According to him, thereafter he repaid the entire amount of the loan, upon which a No Objection Certificate, Annexure C/3, which is dated 20.3.2010, was issued in his favour. He alleged that even after the issuance of No Objection Certificate, Annexure C/3, he received a notice dated 29.4.2010, copy Annexure C/4, demanding a sum of Rs.2,54,256/ - on account of outstanding amount in the aforesaid loan account of Rs.2.00 lacs.

(3.) Respondents filed reply, in which it was stated that complicated questions of facts were raised and, therefore, the District Forum did not have the jurisdiction. It was stated that the alleged No Objection Certificate, Annexure C/3, was in respect of some other loans and not in respect of the loan, in question, though the amount mentioned therein was similar to the amount of the loan, in question.