The Consumer Forum dismissed the claim of Rs5 lakh since the complaint was not filed within specified time limit
Thane: A claim of Rs5 lakh filed by a Belapur resident against HSBC and Citibank, for their alleged deficiency in services, was dismissed by the Thane Additional District Consumer Dispute Redressal Forum, following expiry of claim period, reports PTI.
Consumer Forum President MG Rahatgaonkar and Member Jyoti Mandhale observed in their order that the complainant had not filed the complaint within the specified time frame (the case pertains to 2006), and hence, it was being disposed off.
Belapur Resident Manish N Sharma informed the Consumer Forum that he possessed two credit cards: one of HSBC and the other of Citibank. As he had to fly to Cochin, he tried to book flight tickets for three persons on the Mumbai-Cochin route, along with return tickets, by Kingfisher Airlines. He tried to do so through the online booking facility but the tickets could not be booked using both the cards.
He further said that HSBC had shown a sum of Rs10,050 as expenses on the tickets and the Citibank had shown Rs1,04,000 under the same head. In addition, ABN Amro card showed a sum of Rs20,100 and Standard Chartered Bank card showed a sum of Rs10,050 as expenses.
He told the forum that even when the tickets could not be booked, both the banks made the demand for the money from him. He also said that the entire confusion came to light from the statements of the banks for the period 14/06/2006 to 13/07/2006.
Later, Citibank refunded the amount of Rs60,000, he told the forum. However, both HSBC and City Bank started chasing him for the pending amount.
He further told the Forum that the banks informed the Credit Information Bureau India Ltd (CIBIL) about his outstanding, as a result of which, when he applied for a credit card with the Punjab National Bank (PNB), for business purpose, it was refused.
On account of the humiliation he had to face, he demanded Rs5 lakh as compensation from banks.
The complainant, following the refusal by PNB, took up the issue with both the banks on 24 January 2011. He wanted a resolution which did not come through, and hence filed a complaint with the Consumer Forum.
The Consumer Forum, while discussing the complaint, opined that the complainant was aware of the mess-up in 2006. He had time up till 2008 to file a complaint, which he did not do.
However when CIBIL had reflected his outstanding it affected the issue of a new credit card to him. At that stage, he preferred to make the complaint, which cannot be entertained.
It is time-expired and hence needs to be dismissed, the Forum said.
The complainant argued that the date of occurrence be taken as 24 January 2011, when he had sent a notice to the banks. However, the Consumer Forum dismissed his suggestion and held that the complainant was well aware of the issue way back in 2006. Hence, the complaint is time-barred.
Kingfisher Airlines and CIBIL were also made respondents in the case.