Order No. 02

Dtd 24.03.22

Today is fixed for admission hearing. Ld. Adv. for the Complainant is present. He produced Xerox copy of document dtd 16.05.2020 collected  through  internet.

He also files  xerox copy of letter dtd 09.3.2021 issued   by PNB, Krishnagar Branch.

He submits that name of complainant has been approved under the scheme “PSB LOANS IN 59 MINUTE”.

He further submits that the complainant contacted with the  OP for the disbursement of the said loan, but  the OP  after giving  verbal assurance,  finally rejected the same vide letter dtd 9.3.2021.

He prayed for admission of the complaint against the OP.

Perused the petition of complainant and documents annexed therewith.

Perused the letter dtd 9.3.2021. It appears that bank authority rejected the prayer of the complainant under the following reasons namely.

“As per estimated financials for FY 2021-21, estimated sales figures is Rs.58,71,300/- and credit limit under MPBF will be upto Rs.,11,74,260/- i.e  20% of Rs. 58,71,300/-. But you applied for Rs. 20.00 lakh which is not justified.

Bank cannot create any charge on the property offered by you as the record of the property is not converted in your name.”

Admittedly OP is a financial institution. Ld. Adv.  for the complainant failed to produce any document in support of the fact that this Commission can direct any financial Authority  like OP to disburse loan to a person whose  documents were appeared before them as not satisfactory.

Ld. Adv. for the complainant  also failed to give satisfactory   explanation relating to the reasons assigned by the Bank Authority/OP in the letter dtd 9.3.2021.

Having considered the contention of the complainant; documents filed  by the complainant and hearing  the  submission  of Ld. Adv. for the complainant we are of the considered opinion that the present complainant is not ‘consumer’ as per  Sec-1 (7) of the CP Act 2019 and the OPs are not service provider and the complainant failed to establish satisfactory ground for proceeding of this case. Accordingly we are of the opinion that the present  case  is not liable to be admitted.

 Hence , the present  case is not admitted and  it is dismissed.