The District Consumer Disputes Redressal Forum penalized Axis Bank for delaying the delivery of a credit card to a resident of Panchkula.
Having a complaint from Rajender Kumar Mehmi of sector 21, the forum ordered the branch of the bank in sector 10 to pay ??5,000 due to mental agony and harassment and ??5,000 as litigation costs.
Rajender has an NRI savings account in the branch because he works in Doha, Qatar as an educator.
On August 24, 2017, he went to the branch and completed paperwork for a credit card for himself and to open two savings accounts for his children. For this, he issued two checks from ??55,000 each and left for Doha later in the day.
Rajender argued that although the checks were debited from his account, the bank did not issue check books and debit cards for his children’s accounts. After multiple requests, the bank finally sent the welcome kits in November. But, still provided no information for the status of his credit card.
On December 28, 2017, after arriving in India, he again filled out the form for a credit card and contacted his relationship manager for this. He received an approval message the following month, but the credit card didn’t arrive until February 2018, six months after his first request.
As no one appeared on behalf of the bank, she was prosecuted ex parte.
In view of the facts, the forum noted that the non-appearance of the opposing party despite the formal notice showed that it had nothing to say in its defense or against the allegations made by the plaintiff. “Therefore, the grievor’s assertions are neither refuted nor contested,” the forum said, adding that thus the grievor was able to prove the genuineness of the grievance.
“We conclude that there was a breach and deficiency on the part of the opposing party in providing services to the complainant. Therefore, the complainant is entitled to compensation, ”the forum ruled.