West Bengal

Dakshin Dinajpur

CC/28/2022

Smt. Rupa Banerjee, W/O- Manik Kumar Banerjee - Complainant(s)

Versus

The Sector Manager, Sahara India Pariwar, Balurghat Sector - Opp.Party(s)

Santanu Dey

10 Nov 2022

ORDER

The brief facts of the complaint case is that the complainant is an investor of Sahara India Pariwar under Balurghat Sector, Dakshin Dinajpur. The complainant invested the total amount of Rs. 15,000/- in FD certificate under the scheme of Sahara E Shine of Sahara Credit Co-Operative Society Ltd.  on 17.04.2012  for a period of 96 months against which the opposite parties issued a certificate and the maturity date of the above investment was on 17.04.2020 and the maturity amount was Rs. 39,180/-. After the date of maturity of the above said investment, the complainant went to the office of the O.P. several times and submits his prayer for withdrawal of the maturity amount. But the office of the O.P. refused to give the receive copy. Thereafter the complainant sends his prayer for claim of the maturity amount to the O.P. through the registered post, on 02/02/2022. Thereafter in different occasions the complainant went to the office of the O.P. for getting his maturity amount of the aforesaid investments. But in every occasion the O.P. took a new plea.  Till today the O.P. did not pay the maturity amount to the complainant. Finding no other alternatives the complainant files this instant case against the O.P. under the Consumer Protection Act 2019 claiming the maturity amount of Rs. 39,180/- along with interest and benefits as per the terms & conditions laid down in the scheme of Sahara E Shine, compensation of Rs 40,000/- for mental pain & agony and litigation cost of Rs.20,000/-.   

            Notice was issued upon the O.P. and the O.P. entered appearance and contested the case by filing a written version wherein the material averments made in the complaint are denied and it has been contended inter alia that the instant case is not maintainable. It has been submitted by the O.P. that due to some litigation pending with SEBI and the Apex Court regarding the financial transaction of the O.P. group imposed embargo on the movable immovable properties due to which the payment has remained stopped and the O.P. crave leave of this Commission and prays for dismissal of the instant case.  

            In this case complainant has submitted examination in chief supported by affidavit together with original copy of following Certificate by firisti -

Sl No.	Details of Certificate	Date	Amount	Maturity amount
1.	A/C No. 60384200901 Certificate No. 351003310734	17.04.2012	Rs.15,000/-	Rs.39,180/-

             2)  Copy of demand notice with postal receipt.

            3) Acknowledgment card against demand notice.

           O.P.s had also submitted examination in chief by way of affidavit but no document is submitted on the side of the O.P.     

                        Points for discussion

 

1. Is the complainant a consumer to the opposite parties?
2. Is there any deficiency in service on the part of the opposite parties?
3. Is the complainant entitled to get any relief/reliefs as prayed for?

 

                        DECISION  WITH  REASONS

 

Point No.1

This is admitted that complainant invested a total sum of Rs 15,000/- under the scheme of Sahara E Shine of Sahara Credit Co-Operative Society Ltd. of the opposite parties, So, there is no hesitation to hold that the complainant is a consumer within the meaning under the Consumer Protection Act, 2019.

 

 Point No.2 & 3

These two issues are taken up together for discussion for the sake of convenience and brevity. This is admitted fact that the complainant had invested total amount of Rs 15,000/- (Fifteen thousand only) under the scheme of Sahara E Shine of Sahara Credit Co-Operative Society Ltd of opposite parties on 17.04.2012  for a period of 96 months against which the opposite party duly issued a certificate to the complainant. This is also admitted fact that the maturity period of 96 months was already over on 17.04.2020. This is also not disputed that the complainant has not yet received any single furthering from the O.P. against the aforesaid investments.

We have looked into the complaint, the written version of the O.P. and evidence filed by the parties minutely. All these reveal that the complainant is a bona-fide consumer of the O.P. and he is entitled to get maturity amount of Rs.39,180/-  together with interest as per terms and condition of the aforesaid scheme but the O.P. have violated the terms and conditions and there is no denial of the fact about lack of responsibility in discharging his duty on the party of the O.P. and their lies deficiency in service on the party of the O.P.

Accordingly all the points are decided in favour of the complainant against the O.P. Thus all the points are disposed of.

 Hence, it is

                                                      O R D E R E D

             That the Consumer complaint Case No.28/2022 is allowed on contest in part with cost against the O.P. The Opposite party is directed to pay a sum of Rs.39,180/- (Thirty nine thousand one hundred eighty only) as maturity amount of the invested amount together with interest @ 8% p.a. from the date of maturity till realization by issuing an account payee cheque in favour of the complainant within 45 days from the date of passing this order. The O.P. is further directed to pay a sum of Rs. 5,000/- (Five thousand) towards litigation cost in default complainant has liberty to execute the order as per law.  

            Let a plain copy of this order be furnished to the parties forthwith free of cost.