West Bengal

Bankura

CC/72/2018

Sri Asish Dey - Complainant(s)

Versus

The Branch Manager Monish Singh - Opp.Party(s)

Jayanta Kumar Mukharjee

03 Jan 2023

ORDER

IN    THE   DISTRICT   CONSUMER   DISPUTES   REDRESSAL COMMISSION BANKURA

 Consumer  Complaint  No. 72/2018

Date of Filing : 03.12.2018

Before:                                                                                                                      

1. Samiran Dutta                Ld. President.      

2. Rina Mukherjee               Ld. Member. 

For the Complainant:  Jayanta Kumar Mukhopadhyay

For the O.P. None

Complainant

Sri Asish Dey, son of Dhirendranath Dey, residing of Ethani, P.O. Besora, P.S.-Chhatna, District Bankura, Pin-722137

Opposite Party

The Branch Manager (Monisha Singh), United Bank of India, Jorhira Branch, P.O.- Jorhira, Dist Bankura

                                                                                        FINAL ORDER/JUDGEMENT

Order No.34,

Dt.03- 01 -2023

Hazira is filed on behalf of the complainant through advocate.

No step is taken on behalf of the O.P. nor any W.V. filed.

The O.P. has got several opportunity to file W.V. to contest the case but no W.V. has been filed even long after the expiry of the statutory period for filing W.V. The Commission therefore decides to proceed Ex-parte against the O.P..

The complainant case is that he made an application for availing loan under SVSKP Schene formulated by the Govt. of India and Reserve Bank of India and in due consideration the proposal for loan was sanctioned by the PIC, Chhatna and the sanctioned loan was duly communicated by the O.P. to the complainant by a letter dated: 13-02-2018 No. being JHRE/ADV/133/2017-2018 containing the terms and conditions of the loan. Thereafter the complainant in due course of time went to the O.P. Bank to deposit the margin money of Rs.33,000/- as one of the terms and conditions of the loan but the O.P. Bank  refused to accept the same. The complainant has therefore approached this Commission for sanction of the proposed loan by accepting deposit of margin money of Rs.33,000/- praying for compensation of Rs.50,000/-                                                                                                       

                                                                                                                                                                                       Contd…..p/2

Page: 2

In support of the complaint case the complainant has produced the proposed loan sanction order along with relevant documents. On perusal of all the documents the Commission finds that the proposed loan under SVSKP Scheme has been sanctioned in the Year 2018 with margin money of Rs.33,000/- to be deposited by the loanee and the loan is to be sanctioned subject to observance of other formalities as contained in the terms and conditions of the loan.

It is not clear from the record whether the complainant is in a position to comply with all the terms and conditions of the loan and whether the Sanctioning Authority is still in a position to favour the complainant with the sanction of the proposed loan after lapse of about 4-5 years.

It is true that when loan has been sanctioned it is the duty of the concerned authority to disburse the loan after observing all legal formalities and compliance of the terms and conditions of the loan. Apart from depositing of margin money the complainant has to go a long a way to get the loan disbursed in his favour and without the assistance and favour of the O.P. it is difficult for the complainant to get the loan amount in due process of law.

Accordingly the case is disposed of with the direction upon the O.P. to extend all co-operations to the complainant in getting the sanctioned loan disbursed in his favour subject to terms and conditions and other legal formalities of the loan.

Both parties be supplied copy of this judgement free of cost.

                                          ____________________                                                                _________________                   

                                        HON’BLE   PRESIDENT                                                            HON’BLE MEMBER