What started as a simple skincare consultation turned into a legal ordeal for 29-year-old HSR Layout resident Ishwarya Thamatam after a clinic allegedly mishandled her treatment, misled her with false assurances, and took loans in her name without full consent.
In February 2023, Ishwarya visited Kolours Healthcare in BTM Layout seeking laser therapy. Instead, staff performed a chemical peel without proper explanation, causing adverse reactions. They promised a corrective session but, before it took place, arranged loans totalling ₹1 lakh in her name — ₹50,000 from LoanTap Credit Products Pvt Ltd and ₹33,750 from Life Care Finance — with amounts credited directly to the clinic’s account. Including her own down payment, Ishwarya paid about ₹1.1 lakh, though she received only one treatment session.
When she sought to cancel the service and stop the EMIs, the clinic refused, citing a “no refund” policy. An invoice even falsely claimed she had undergone a hair transplant procedure.
Feeling cheated, Ishwarya lodged a consumer complaint on December 27, 2023, alleging service deficiency and unfair trade practice. Kolours Healthcare argued she had agreed to the terms, voluntarily took the loans, and failed to follow the full treatment plan.
After reviewing evidence, the II Additional District Consumer Disputes Redressal Commission ruled the clinic had retained payment without delivering promised services, misrepresented treatment details, and could not enforce an unjust no-refund clause. On July 11, the bench ordered the clinic to refund ₹1 lakh and pay ₹15,000 for mental distress and legal costs.