BEFORE DISTRICT CONSUMER DISPUTES REDRESSAL COMMISSION, SIRSA.
Complaint Case no. 17 of 2023
Date of Institution: 11.01.2023
Date of Decision: 31.08.2023.
Jogender Kumar S/O Shri Mani Ram, aged 42 years, resident of Ward No.6, Village Ganga- Goriwala, Tehsil Dabwali, District Sirsa.
………Complainant.
Versus
1. Sahara India Pariwar cum Sahara India Cooperative Society Ltd., Branch Located at adjoining Jyani Hospital, Near State Bank of India, Main Branch, 2nd Floor, Sirsa, Distt. Sirsa, through its Branch Manager.
2. Sahara India Cooperative Society Ltd., Reg. Office at Sahara India Bhawan, 1, Kapoorthala Complex, Aliganj, Lucknow- 226024 through its authorized person.
……… Opposite parties.
Complaint under Section 35 of the Consumer Protection Act, 2019.
Before: SH. PADAM SINGH THAKUR………. PRESIDENT
SMT. SUKHDEEP KAUR……………..MEMBER
SH. OM PARKASH TUTEJA…………MEMBER
Argued by: Sh. Narendra Sharma, Advocate for complainant.
Opposite party no.1 given up.
Opposite party no.2 already exparte.
ORDER:-
This complaint has been filed by complainant against the opposite parties seeking payment of Rs.2,77,964/- as maturity amount alongwith interest besides compensation for harassment and litigation expenses from ops.
2. In brief, the case of complainant is that complainant deposited his saving amount with the ops in the shape of two FDRs with op no.1 i.e. local branch of op no.2 under Saharayn Universal Multipurpose Sahara Special & Golden 24 Scheme vide receipts and certificates issued by ops, the detail of which is as under:-
(i) Account/ Control/ ID/ Receipt No. 64677200092 dated 31.03.2018 of Rs.62,282/- maturity amount Rs. 72,932/- maturity date was 30.09.2019.
(ii) Account/ Control/ ID/ Receipt No. 14977201743 dated 20.10.2018 of Rs.1,63,450/- (66850+96600 (966 points, value of one point is equal to Rs.100/- according to company) maturity amount Rs.2,05,032/- maturity date was 20.10.2020.
3. It is further averred that after maturity ops have failed to make payment of the maturity amount to the complainant despite his several requests and visits and have caused unnecessary harassment and mental agony. Hence, this complaint.
4. Notice of the complaint was issued to the opposite parties. Notice issued to op no.1 received back with the report that office has been closed and as such op no.1 was given up by learned counsel for complainant. Notice was sent to op no.2 through registered cover and as after stipulated period none appeared on behalf of op no.2, therefore, op no.2 was proceeded against exparte.
5. Complainant has tendered his affidavit Ex.C1 and receipts/ certificates as mark C1 to mark C3.
6. We have heard learned counsel for complainant and have gone through the case file carefully.
7. From the receipt/ certificate mark C1, it is evident that on 31.03.2018 complainant deposited amount of Rs.62,282/- with the ops and on maturity on 30.09.2019 he was entitled to receive maturity amount of Rs.72,932/- from ops. Further from receipt/ certificate mark C2, it is evident that on 20.10.2018 complainant deposited amount of Rs.66,850/- with the ops and on maturity on 20.10.2020 he was entitled to receive maturity amount of Rs.83,857/- from ops. From receipt/ certificate mark C3, it is evident that complainant was given 966 joining points and according to complainant on maturity the value of one joining point is equal to rupees hundred as per scheme of the ops. Thus, complainant has claimed total maturity amount of Rs.2,77,964/- from ops in lieu of above said deposited amounts as well as 966 joining points. According to the complainant after maturity ops have failed to refund the maturity amount to the complainant despite his several requests. The opposite party no.2 despite notice has failed to appear and failed to rebut the pleadings and evidence of complainant rather opted to be proceeded against exparte. It is proved on record that op no.1 received the amount from complainant on behalf of op no.2, so op no.2 is liable to refund the amount to the complainant. There is nothing on file to disbelieve the version of complainant and that he is not entitled to the claimed maturity amount of Rs.2,77,964/- from op no.2. Non payment of amount of complainant clearly amounts to deficiency in service as well as unfair trade practice on the part of op no.2.
8. In view of our above discussion, we allow this complaint and direct the opposite party no.2 to pay the maturity amount of Rs.2,77,964/- alongwith interest @6% per annum from the date of maturity till actual realization to the complainant. We also direct the op no.2 to further pay a sum of Rs.5000/- as composite compensation for harassment and litigation expenses to the complainant. The op no.2 is liable to comply with this order within a period of 45 days from the date of receipt of copy of this order, failing which complainant will be at liberty to initiate proceedings under Section 71/72 of the Consumer Protection Act, 2019 against the op no.2. A copy of this order be supplied to the parties free of costs. File be consigned to record room.
Announced: Member Member President,
Dated: 31.08.2023. District Consumer Disputes
Redressal Commission, Sirsa.
