Guarantor Non-Joinder Not Fatal When Relief Does Not Affect Them | Bank Consumer Complaint : SCDRC WB
The West Bengal State Consumer Disputes Redressal Commission held that a guarantor need not be joined in a consumer complaint when the relief sought does not affect the guarantor’s rights. This narrows the necessary-party doctrine in banking disputes, allowing borrowers to pursue claims under the Consumer Protection Act, 2019 without compulsory guarantor joinder.