Credit Cards

Querist : Anonymous (Querist) 09 July 2010 This query is : Resolved
All respected ld. friends,

In connection with the Demand of EXCESS payment towards the Credit Card a civil suit came to be filed for declaration and injunction before the Civil Judge Junior Division. No interim injunction granted by the Court, but notice served to the Bank. In this circumstances, can a case filed before the Consumer Forum, under the Consumer Protection Act.

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Parthasarathi Loganathan (Expert) 09 July 2010
COPRA covers deficiency in services. But you can always file a complaint under Banking Ombudsman Act even through online

Querist : Anonymous (Querist) 09 July 2010
Dear Prthasarathi,
Can both the Civil Suit and Compplaint under the Bnking Ombbudsman Act go through simultaneously. Whether can claim damages, for harrament and torture meted out for no fault?

Chanchal Nag Chowdhury (Expert) 10 July 2010
No. U have chosen your own forum. However, U may withdraw the suit & proceed under COPRA.

Parthasarathi Loganathan (Expert) 10 July 2010
Yes ombudsman will address only to financial losses incurred by you. If you are not redressed properly, you can always file a civil suit.

Querist : Anonymous (Querist) 11 July 2010
Dear Parthasarathi,

I thank you very much for your response to my queries.

Best regards,

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