A.K.ANNAMALAI, J. - (1.) THE opposite party is the appellant.
(2.) THE complainant/ respondent filed a complaint against the opposite party, claiming Rs.197000/- as compensation for mental agony, and to refund excess amount of RS.2607/-, and cost for the deficiency of service of the opposite party.
(3.) THE complainant obtained loan for the purchase of a computer, on the basis of payment of EMI for Rs.31,281/- to be payable at Rs.2607/- as EMI in 9 instalments from 20.8.2005 to 7.4.2006, for which he has given post dated cheques, payable through Indian Overseas Bank, in which he is having account. Accordingly all the cheques were cleared by his bank, on the opposite parties presentation on the due dates, and the opposite party failed to give credit of Rs.2607/- for the cheque No.941464 dt.7.9.2005, and thereby in the CIBIL hi name was entered as a defaulter and because of which, when the complainant approached for financial assistance from other institution, it was refused, and there was deficiency on the part of the opposite party, failing to given credit of the amount already paid, which caused mental agony and made the complainant to file this consumer complaint.;