DATE OF FILING :05/01/18 

IN THE CONSUMER DISPUTES  REDRESSAL FORUM, IDUKKI

Dated this the 27th day of April 2018

Present :

SRI. S. GOPAKUMAR PRESIDENT

           SRI. BENNY. K. MEMBER

 

CC NO.  04/18

Between

Complainant       :   Thressyamma, W/o Joseph,

                                                                             Narikattu House,

                                                                             Rajamudy P.O., Upputhodu.

(By Adv:  K.B.Selvam)

And

Opposite Party                                          : 1 . The Secretary,

                                                                             SCB K-355,

                                                                             Murikkassery P.O.,

                                                                             Murikkassery. 

                                                                       2 . Service Co-Operative Bank K-355,

                                                                             Murikkassery.

(By Adv:  C.K.Babu)

 

O R D E R

 

SRI. S. GOPAKUMAR (PRESIDENT)

 

The case  of the complainant is that,  

 

Complainant's husband availed a loan from opposite parties bank and thereafter he died on 04/12/12 and intimated this matter to the opposite parties and produced Death Certificate.  As per the instruction of the first opposite party complainant submitted all documents along with an application to write off the entire debts and opposite parties stated that they will consider it positively.

 

                                                                                                                           (Cont....2)

 

 

-2-

Thereafter the complainant approached the opposite parties, and at that time also opposite parties confirmed that their loan is closed.  After a  long gap of more than 4 years opposite parties  send a notice to the complainant demanding the loan arrears of Rs.4,68,182/-.  Complainant further stated that as per the Limitation Act  there is no right to demand this amount.  Hence  the  act  of  the  opposite  parties  is  a  serious  deficiency  in                                                                       service.  Hence complainant filed this petition for directing the opposite parties to write off the entire loan amount and also direct them to pay cost and compensation.

 

Upon notice opposite parties entered appearance and filed written version challenging maintainability of the complainant as the primary issue.  In their written version opposite parties contented that the subject matter in this case was already decided by the Arbitrator, D-Unit Auditor, Udumbanchola on 23/03/16.  Copy of the Arbitration order is also produced.  Opposite parties further contented that, the opposite party has now filed execution petition before the Arbitrator.  Under the above circumstances, the complaint is not maintainable under the rule of resjudicata and suppressing this fact complainant is approached this Forum and the complaint is liable to be dismissed.  

 

The question of maintainability heard in detail.

                                                                                                                            (Cont....3)

 

-3-

On perusal of Arbitration Award, and Execution Petition, the Forum convinced that the matter in issue was already decided by the Arbitrator in Arbitration Petition No.ARC.5261/15 and order passed on 23/03/2016, much prior to the filing of this complaint.  Thereafter on 12/12/17, the opposite parties bank filed Execution Petition as EA No. 794/17 before the Arbitrator and the Execution Petition is pending now.  On going through the complaint, it is seen that complainant approached this Forum and filed complaint on 05/01/18.  Before the filing of the complainant, the matter is decided and hence the Forum is having no jurisdiction to entertain this complaint as per the decision of the Honourable National Consumer Disputes Redressal Commission, passed in the Appeal petition of Jagadish Kainthala Vs Bajaj Alliances Company (2016)CPJ, Part 12. Vol.IV, Page 35.

 

On the basis of above discussion issue of maintainability is found in favour of the opposite parties and complaint dismissed. 

 

Pronounced in the Open Forum on this the 27th  day of April, 2018.

                                                                                                     Sd/-

                                                                              SRI. S. GOPAKUMAR (PRESIDENT)

                                                                                                   Sd/-                                                                                                                                                                                                                                                                 

               SRI. BENNY. K.  (MEMBER)

APPENDIX

Nil.

 

                   Forwarded by Order,

 

 

                          SENIOR SUPERINTENDENT