Citicorp Finance (India) Limited vs Snehasis Nanda 2025 INSC 371 - Consumer Protection Act

Consumer Protection Act 1986 - When there is no privity of contract between the concerned parties therein, no ‘deficiency’ would arise and the action (complaint) would not be maintainable before the concerned Consumer Forum. (Para 17)

Consumer Protection Act 1986 - Section 24A - While the NCDRC is competent to condone any period of delay in filing a complaint beyond two years from the date when the cause of action arises, the discretion is circumscribed by twin conditions: (i) that the complainant satisfy the NCDRC that he had sufficient cause for not filing his complaint within such period, and; (ii) that the NCDRC record the reasons for condoning such delay. (Para 22)

Arbitration and Conciliation Act 1996 - Consumer Protection Act - Even in a consumer dispute under the Act, or for that matter, the Consumer Protection Act, 2019, arbitration, if provided for under the relevant agreement/document, can be opted for/resorted to, however, at the exclusive choice of the ‘consumer’ alone - Referred to Emaar MGF Land Ltd. v Aftab Singh, (2019) 12 SCC 751 and M Hemalatha Devi v B Udayasri, (2024) 4 SCC 255. (Para 24-25)