The Royal Bank of Scotland (RBS) has been directed by a consumer forum in New Delhi to pay one of its credit card holders Rs 5,000 as compensation for demanding payment from him even as he had cleared all his dues.
Holding the RBS guilty of rendering deficient service, the New Delhi District Consumer Disputes Redressal Forum said the demand raised by the bank was not justified as the card holder, Delhi resident Vikas Sanghi, had paid all his dues. The forum also directed the bank to issue Sanghi a 'No Dues Certificate'.
"The bill issued by opposite party (RBS) is not justified because complainant (Sanghi) has already paid all dues. There is deficiency on the part of RBS.
"So holding it guilty of deficiency in service, we direct it to issue 'No Dues Certificate' against the credit card and remove his name from CIBIL. We further award Rs 5,000 as compensation for harassment including litigation charges," the bench presided by CK Chaturvedi said.
The forum's order came on Sanghi's plea alleging that despite paying Rs 37,260 as final settlement of his RBS credit card bill, after consulting with the bank, it had raised a fresh demand of Rs 2,909 instead of issuing him a no-dues-certificate.
He also said the bank added his name to the Credit Information Bureau (India) Limited's (CIBIL) defaulters' list due to which he also faced difficulties in obtaining loans.