JULY – 15: SETTLED IN COURT
HDFC Bank in the dock for wrongly charging customer
Deepak Sheth, from Ahmedabad, obtained a credit card from HDFC Bank and made purchases worth Rs. 3,786. He deposited a cheque of UCO Bank to clear the dues. As it took some time for the cheque to be realised, HDFC Bank charged him a late fee of Rs. 275, Rs. 110 towards the outstation collection fee and Rs. 89 as finance charge. While the late fee was later refunded, HDFC did not refund the remainder despite repeated requests. In fact, it collected Rs. 8,043 from Shethâ€™s savings bank account against his dues of Rs. 199! Sheth approached CERS and they moved the Consumer Forum seeking refund of Rs. 8,043 with interest, Rs. 5,000 to each as costs and compensation to Sheth for mental agony and harassment.
The complainant stated that he had not given an outstation cheque and HDFC had delayed in clearing the cheque. As he was not liable to pay Rs. 199, he had kept the amount outstanding for two years. As a result, the wrongly charged outstanding amount had risen to Rs. 8,043. Moreover, HDFC had directly withdrawn the amount from his savings account without any authority, having charged interest at the rate of Rs. 1,630 a year. He accused HDFC Bank of unfair trade practice and deficiency in service. The bank denied the charges. The Forum observed that HDFC Bank had failed to substantiate its claim and ordered it to refund Rs. 8050 to Sheth with 9% interest and pay him Rs. 1,500 for mental agony and harassment and Rs. 1,500 towards litigation costs.
Lufthansa ordered to pay Rs. 80,000 for â€˜anti-consumer policyâ€™