V.KRISHNA VENI Vs. SBI CARDS AND PAYMENT SERVICES PVT. LTD REP. BY ITS MANAGER

JUDGEMENT

(1.) This is an appeal filed by the unsuccessful complainant before the District Forum assailing the order of the District Forum that dismissed her complaint.

(2.) The facts of the case are briefly as follows:

(3.) The complainant, a government employee, being attracted by the advertisement of opposite parties obtained one credit card and submitted that she was regular in paying the bills even as per the bills issued by opposite parties. She contended that in the month of September, 2006 opposite parties sent a statement requesting the complainant to pay huge amount towards arrears and the complainant submitted that she paid more than the amount demanded towards full and final settlement. But the opposite parties demanded her to pay the amount though there were no dues. Hence she addressed a letter dated 4-1-2006 and requested the opposite parties to close the account but there was no response. Thereafter also the opposite parties without reversal of the wrong debts and wrong bills continued to impose penalties and finance charges and demanded the complainant to pay the sums though she was not liable to pay any amount and therefore she again addressed a letter dated 22-7-2006 protesting the demands and even then she received a statement of account requesting to pay Rs.53,825.42/- and issued a legal notice dated 10-11-2006 to her. Since she was not liable to pay any amount she got issued a reply but the reply was returned unserved and she received a reply given to the said reply notice. Hence the complaint for a direction to the opposite parties to close the credit card and withdraw the subsequent statement of accounts and give reversal to all the penalties imposed together with compensation of Rs.20,000/- and costs of Rs.10,000/-.