The district consumer redressal forum has directed a consumer to pay Rs 15,000 to a SAS Nagar-based couple for failing to close a loan despite payment of outstanding amount.
In their complaint before the forum, Maan Singh and his wife Sukhbirpal Kaur, residents of Sector 70, SAS Nagar, claimed that they had sought a housing loan of from Standard Chartered Bank. In December 2013, the couple had requested the bank to close their loan and paid the outstanding amount. The couple had also sought a pre-closure statement and submitted an authority letter.
Despite this, however, the bank deducted EMI in January 2014. The bank, on being approached, said the couple had arrears.
In their defence, the bank said they could not close a loan unless their arrears were paid off.
Pulling up the bank, the consumer forum, in its December 9 order, "The plea of inadequate balance taken by the bank is false and not supported by any valid document on record. So the reasons given by the bank for non-closure of the account immediately on receiving the request of closure are just frivolous and invalid, hence not acceptable." The forum also ordered the bank to Rs 7,000 as the cost of litigation.