Case Law Analysis
Self-employed borrower is a consumer & illegal vehicle repossession is deficiency in service | Hire-purchase dispute : W.B. SCDRC
The West Bengal State Consumer Disputes Redressal Commission held that a self-employed individual who financed a vehicle qualifies as a consumer under the CPA 1986, and that repossessing the vehicle without notice breaches service obligations. It awarded Rs 16.76 million in compensation, extending consumer protection to self-employed borrowers and making unlawful repossession actionable.