#banking dispute

The West Bengal State Consumer Commission has ruled that minor technical flaws in evidence affidavits-such as non-compliance with formalities under Order XVIII CPC-cannot justify dismissal of a consumer complaint if the core allegation of service deficiency remains unchallenged. This sets a vital precedent for consumers facing banking fraud, ensuring that substantive justice prevails over procedural technicalities in redressal forums.

The Delhi State Consumer Commission ruled that availing an overdraft against fixed deposits does not automatically classify a person as a non-consumer under the Consumer Protection Act 1986. The bank must prove the transaction was for commercial gain to deny consumer protections, reinforcing the burden of evidence in banking disputes.