Consumer forum directs Bajaj Finance to issue NOC, pay compensation to Mangalore auto owner
Mangalore: The District Consumer Disputes Redressal Commission has ordered Bajaj Finance Limited to provide all necessary loan-related documents and issue a No Objection Certificate (NOC) to a complainant who alleged deficiency in service. The Commission has also directed the finance company to pay a compensation of ₹25,000 and litigation costs of ₹10,000 for failing to address the grievances of the complainant in a timely manner.
The case was filed by Mohammed Nawaz, a 30-year-old resident of Demmale Gudde House in Mallur Village, Mangalore Taluk, against Bajaj Finance Limited, represented by its Managing Director. The complainant was represented by Advocate Shwetha, while Advocate Rupesh Kumar N appeared on behalf of the finance company. Nawaz had taken a loan of ₹1,90,000 from the Moodabidre Branch of Bajaj Finance Limited on September 30, 2018, for the purchase of an auto-rickshaw under Loan Agreement No. L3WMLR06324087. As per the agreement, he was required to repay the amount in 60 monthly installments of ₹5,526 each.
Nawaz claimed that he had diligently paid his Equated Monthly Installments (EMIs), even during the COVID-19 pandemic when many borrowers struggled to meet their financial commitments. By the time he sought a loan closure certificate to remove the hypothecation of his vehicle (KA19AC6385) from the Regional Transport Office (RTO), he had already paid a total amount of ₹3,28,500.16 towards the loan and interest. However, to his shock, Bajaj Finance refused to issue the NOC, citing an outstanding balance of ₹1,22,356.76. Nawaz disputed this claim, alleging that the company was engaging in unfair trade practices by demanding an additional sum that was neither justified nor documented properly.
After repeated requests failed to yield any response from Bajaj Finance, Nawaz served a legal notice to the company on January 26, 2024, followed by a corrected notice on January 29, 2024. In his notice, he demanded a copy of the loan application and sanction letter, the hypothecation agreement along with other loan-related documents, and the NOC for the removal of hypothecation from the vehicle. Despite these notices, the company allegedly failed to respond, leading Nawaz to file a complaint under Section 35 of the Consumer Protection Act, 2019.
In response, Bajaj Finance admitted that the loan was sanctioned but argued that the complainant had defaulted on his payments. The company claimed that Nawaz had availed of a moratorium from March 2020 to August 2020 due to financial constraints during the COVID-19 pandemic. It stated that, as a result, the loan tenure was extended from the initially agreed 60 months to 77 months, with additional interest applied for the deferred payments. Bajaj Finance further alleged that the complainant had not cleared the EMIs for the moratorium period and failed to provide proof of payments made. The finance company also contended that the dispute involved complex legal interpretations and should have been addressed in a civil court rather than a consumer forum.
The Consumer Commission, after carefully analyzing the documents and hearing the arguments, found that Nawaz had provided substantial proof that he had made regular payments amounting to ₹3,28,500.16. On the other hand, Bajaj Finance failed to submit any valid evidence to justify its claim of an additional outstanding amount. The Commission ruled that the finance company was guilty of deficiency in service for refusing to issue the NOC and the requested loan-related documents despite the complainant having fulfilled his repayment obligations.
Following the proceedings, the Commission partly allowed the complaint and passed an order directing Bajaj Finance to provide all loan-related documents to the complainant and issue the NOC for the removal of hypothecation of vehicle KA19AC6385 before the RTO. Additionally, the company was instructed to pay ₹25,000 as compensation for the inconvenience caused due to its failure to provide proper service and ₹10,000 towards the legal expenses incurred by the complainant.
The Commission specified that the directives must be implemented within 30 days from the date of receipt of the order. Failure to comply with the ruling would attract further legal action under the Consumer Protection Act, 2019.
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UP: 60 booked over protest outside Agra's Jama Masjid after animal flesh found on premises
Agra, Apr 13 (PTI): Around 60 people have been booked over a protest staged outside the Jama Masjid here following the recovery of animal flesh from the mosque premises, police said on Saturday.
The protest took place after Friday prayers, with demonstrators demanding strict action against the man who placed the flesh in the mosque premises.
Deputy Commissioner of Police (DCP) (City) Sonam Kumar said, "A case has been registered against the man who placed the piece of meat inside the mosque. Additionally, those who created disturbance outside the Jama Masjid have been booked. Around 60 people have been named in the FIR for their involvement in the protest."
The incident occurred late Thursday night when a man, Nazruddin, allegedly placed a packet containing animal flesh inside the Jama Masjid in the Mantola area. The matter came to light on Friday morning, triggering tension in the locality ahead of the weekly Friday prayers.
Police said CCTV footage showed the accused arriving at the mosque on a scooty and placing the packet inside the premises before leaving.
A team of more than 100 police personnel was deployed for investigation and area security. The recovered meat was seized and sent for forensic examination, they said.
The scooty used in the crime was traced to a local meat shop. Interrogation of the shopkeeper led to the arrest of Nazruddin, from Teela Nandram area, police added.
The accused was arrested on Friday and efforts and authorities are now probing whether he acted alone had accomplices, the DCP said.
Additional Police Commissioner Sanjeev Tyagi said that action would be taken under the National Security Act (NSA).
"We are looking into the intent behind the act and whether more people were involved," he added.
A group of people gathered outside the mosque, after Friday prayers, demanding capital punishment for the accused. The situation turned tense and police had to use mild force to disperse the crowd, he added.
Security was subsequently heightened in and around the Jama Masjid, with intensified police patrolling to prevent any further disturbance in the area.
Authorities have appealed to residents to maintain peace and refrain from spreading or acting on rumours.
