Nearly three years later, the commission held that the dealership’s failure to complete the ownership transfer after accepting the full sale consideration amounted to deficiency in service and warranted a refund with interest. The complainant alleged that the dealership assured him it would cancel the hypothecation, complete the ownership transfer within 15 days, and collected an additional Rs 5,000 towards transfer charges. However, the commission declined the complainant’s claim for Rs 5,000 towards transfer charges because no receipt was produced. Consumer takeawayBefore buying a used vehicle, ensure the seller clears any hypothecation and completes the ownership transfer within a reasonable time. Keep receipts for every payment, including transfer charges, as they can be crucial if a dispute reaches a consumer forum.