Consumer court drafting and legal options
Hi,
I had an issue with a Immigration consulting services firm , they defrauded me by concealing , mis leading ads and lying on various things.
I have paid rs 70K through credit card and after realizing their fraud , I have contacted my bank and initiated a charge back dispute for misrepresentation, the dispute was reviewed and settled in my favor by the bank and I got the money back ( A charge back is a right given by the VISA and Banks for a consumer, this process is transparent and based on documentation i submit to them )
Now, the O.P says we want that money back or else we will file civil/criminal cases to claim financial damages. ( I know its a routine statement at the end used by just curious of below )
Please let me know
1. what are the legal options available for the O.P against me? since my bank took the money back from O.P
2. I already issued a notice and Now I want to move to court to quash the contract and claim other losses incurred, can you let me know the drafting process please? I have the format but in what order and what documents to put and other things to submit the draft in forum, like index etc to get a date for the hearing.
3. the DD amount for cases less than 1 lakh and on whose name DD to me made
4. Can O.P send collection agents for recovery
5. Can O.P affect my CIBIL scores by declaring me as defaulter or anything.
I Intend to self represent my case as I have spent couple of months reading and understanding and Interpreting consumer act and contract laws myself with examples and going through sample judgements.. The evidences I have are too many and complicated for non-IT professional and I request you if you can help me with above queries and detailed drafting process to submit and get a hearing date