Date of Filing: 06.10.2022

DISTRICT CONSUMER DISPUTES REDRESSAL COMMISSION: JAGATSINGHPUR

Present:

                        1. Mr. P. K. Padhi      ………………..        President

                        2. Mrs. M. Swain       ……………….        Member

                                                                          C.C. No.293/2022

Sri Nityananda Lenka,

S/o. Late Hari Lenka,

At- Nimidihi,

P.O.- Paradeepgarh,

P.S.- Paradeep Lock,

Dist.- Jagatsinghpur.……… Complainant

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1. Authorized Officer,

Cholamandalam Investment & Finance Co. Ltd.,

At- Bijayachandrapur(Near IFFCO Chack),

P.O./P.S.- Paradeep,

Dist.- Jagatsinghpur- 754142.

2. Branch Manager,

Cholamandalam Investment & Finance Co. Ltd.,

No.559, Annapurna complex, 1^st Floor,

Lewis Road, Puri- Cuttack Rd,

Bhubaneswar- 751014.

3. Managing Director,

Cholamandalam Investment & Finance Co. Ltd.,

Corporate Office at Dare House,1

Chennai- 600001. …..… Opposite parties

For Complainant………..Mr. N.C. Dash & Associates

For Opposite Parties……….Mr. M.C. Swain, Advocate

ORDER BY HON’BLE MEMBER- MRS. M. SWAIN:

                                                                                         JUDGMENT

            Complainant has filed the consumer complaint U/s.35 of Consumer Protection Act, 2019 seeking not to repossess MARUTI VITARA BREZZA VDI Car bearing Regd. No.OD-02-BF-1239 and to supply loan agreement and other documents etc. and pay compensation of Rs.3,20,000/-.

            Complainant took loan of Rs.7,24,578/-  on 12.9.2019 to repay in 72 monthly EMI @ Rs.16,470/- commencing from 15.10.2019 to 15.9.2025. Complainant failed to pay and violated the agreement for which on apprehension of repossession complainant has filed the consumer complaint seeking aforesaid relief. There is not a single scrap of paper from complainant asking opposite parties to supply the aforesaid documents for which we find no merit in the consumer complaint and any deficiency on the part of opposite parties. Besides that complainant is a defaulter of loan as per agreement and relation between complainant and opposite parties is that of Debtor and Creditor.

            However taking a lenient view we dispose of the consumer complaint directing the opposite parties to supply the loan agreement copy and any other document as required by complainant available with opposite parties. The complainant shall pay his regular EMI and in addition to that pay Rs.20,000/- (twenty thousand) in each month towards pending EMI. With the aforesaid observation and direction the consumer complaint is disposed of. No cost.  

            Pronounced in the open Commission on this 14^th Nov.,2024.