Sri S.K.Sahoo,President.

            The  complainant  has filed  the  present  complaint  against the opp.party U/s. 35  of C.P.Act, 2019.

2.        The  case of the  complainant is  that  he  is  the  permanent resident of Haladibahali of Dhenkanal District and the opp.parties   are engaged in baking business having their  branch office  at Angul. The  complainant  has opened   a saving  bank account  bearing No. 22700100048122  on  05.11.2020  under the opp.parties .On 26.02.2021   the opp.parties  collected Rs. 28,100.00 through NEFT /Odisha/RBI0582166867080/Reserve BA and  the  total  balance  amount  reflected  as  Rs.28,100.00  on the  said  account . On 06.03.2021 the complainant  went  to the   opp.parties  branch  to  withdraw   Rs.28,000.00 towards  treatment of  but  came  to know and  shocked that the   aforesaid  amount  has been   transfered   in the  name of Vasudev Educational .   The complainant  lodged  complaint  before the opp.party No.1 and  on 07.03.2021  before the   opp.party No.2 , who assured    and   promised  to   collect  the   missing  amount  within seven days     from the  date  of   complaint i.e 06.03.2021  . After  lapse of  seven days  the  complainant met the opp.parties   to   refund the  missing  amount  but no result.  On  30.03.2021 complainant went to  submit a    written complaint  before  the opp.parties  but  they refused to  accept  the  same, for  which  it was  sent by  post.    Such  illegal  action of the  opp.parties shows  ulterior  motive, gross deficiency  of  service and  unfair trade  practice by the opp.parties. Hence this  case.

3.         Notice  was sent to both the  opp.party through Regd.  Post with A.D on 09.07.2021.   The opp.parties have filed their  written version on 02.11.2021.

          The  case of the  opp.parties is that the  allegations  made in the  complaint  petition  are denied .The  case  is   totally  misconceived, not maintainable  in  law  or in facts , bad   for  non-joinder   of  necessary  parties  and to be dismissed.   There is  no cause  of  action   and  the  same  being  entirely  misconceived   is  liable to be  dismissed at the   threshold  for  want of  jurisdiction and  limitation. The  complainant  is  not  a  consumer  as per  Section 2(1) (d) of the  C.P.Act. The opp.parties did not  comment  on  paragraph 1 to 3. The opp.party  reply to paragraph 4  to 6 is that  the   complainant  opened  a saving  account  bearing No. 22700100048122  at Tulasipal Branch – opp.party No.1. After opening of the  account on 01.03.2021  the complainant   issued  standing  instruction and  authorised  the  opp.party No.1  to transfer Rs.28,000.00  to Vasudev Educational Trust  by way of debiting  the  amount  from the   his saving account. As per  instruction and  authorisation of the  complainant, on 06.03.2021  the opp.party No.1  transferred Rs. 28,000.00    and  credited  to the  account  No.  2270020000023  of  Vasudev Educational Trust.  As a  banker   it  is  not  incumbent upon the opp.parties  to  enquire about  the  reason   of  payment to the  said  account of  Vasudev Educational except  to  confirm the  genuineness  of the  signature  in the  standing  instruction. As the  complainant  validly and  genuinely issued  standing  instruction  there  was  no option  left with the  opp.parties  except to pay the  amount to the  payee. The  complainant  never  asked  for  missing of Rs. 28,000.00  on  07.03.2021 and the opp.parties  never assured to  recollect the   missing   above amount. The  amount was validly  paid and  credited to Vasudev Educational Trust and   he  is  a necessary party  to this  case. The  opp.party No.1  received  a registered  post  vide No. RO 032316911IN  which  contain an request  letter  from Aswini Ku.Naik to collect the  amount  without signature. Since the letter  did not  contain signature, the opp.party  did not reply  to the  letter .  In reply  to the  paragraph 8 & 9 of the  complaint  petition the opp.parties stated that  there  is no illegal action , not deficiency  in  service or  unfair  trade practice   on  the part of  the opp.parties. Hence the  case  be  dismissed with  cost.

4.         Admittedly the  complainant  has   an saving  account  bearing No. 22700100048122.So there  is  no  dispute that he  is  a  consumer.  On perusal  of  photo copy  of  the  said  pass book  it is  clear that on 26.02.2021  the balance  in the  account  was Rs. 28,100.00 . It     further  transpires  from the   said document  that on 06.03.2021  an  amount of Rs. 28,000.00   was deducted from the  account of the   complainant  and   deposited in the  account of  Vasudev Educational Trust  .It is   alleged by the  complainant    at   paragraph-4  that the opp.party No.1   withdrawn an amount of Rs. 28,000.00 from his  account   on 06.03.2021 and transferred  to Vashudev Educational Trust. It is  also averred at  paragraph- 5  of his  complaint petition  that the  complainant  went to  opp.party No1 on 07.03.2021  and raised  his  complaint   to   which   both  of  them replied  to  conduct   inquiry  on  his  allegations  and to collect such  missing  amount. On 02.11.2022 the   branch head of opp.party No.1  filed the  written statement  before this  Commission , which  has  been  signed by   him on 22.10.2021. No document was  filed by the  opp.parties The opp.party No.1  admitted  the  existence  of the   account of the  complaint  in his branch. He  has  categorically  mentioned   at paragraph- 6  of  his written statement that on 01.03.2021 the complainant   had  issued  a standing  instructions and authorisation ,the  opp.party No.1  to  transfer Rs.28,000.00  to  Vashudev Educational Trust   by debiting  the said  amount  and  in  pursuance of  such standing  instruction  and  authorise  the  opp.parties  debited  an amount of Rs. 28,000.00   to the  account of Vashudev Educational Trust    on 06.03.2021 .According   to the opp.parties they  have not  committed any illegality by transferring  the  said   amount  from the  account  of the  complainant  to  Vashudev Educational Trust.

          The  written statement  filed by the  opp.party No.1 is  only verified one  and not supported with affidavit, where  as the  complaint petition filed by the  complainant  was supported with   affidavit. The opp.party No.1 has not  produced the  standing  instruction and authorisation made  by the  complainant. Neither  the  opp.party No.1  nor the  opp.party No.2 adduced  evidence. They  have also  not  produced  a single  scrap  of paper  to prove their  case. So contents of the    written version field the  opp.party No.1  that the  complaint had  given  standing  instruction  and  authorisation in  favour of  opp.party No.1  is not at all  reliable   and trust  worthy. The  complainant  successfully  proved  his case that   without any authorisation  the opp.party No.1  has  transferred  an amount   of  Rs. 28,000.00  from  his  account to the  account of Vashudev Educational Trust  .The  transfer of money from  the  account  of the   complainant  to the  account of  Vashudev Educational Trust  by the opp.parties without  any  instruction  by the  complainant  is deficiency in service and  it  caused  mental agony, harassment to the  complainant.

5.       Hence order  :-

: O R D E R :

           The  case be  and the  same  is  allowed on contest  against the opp.parties. Both the  opp.parties are  jointly and  severally  liable  to pay an  amount of  Rs. 28,000.00  along  with  interest @ 7% per annum  from 06.03.2021  till payment is made to the  complainant. They are also directed to  pay  an amount of Rs.10,000.00  to the  complainant towards  deficiency in service and unfair trade practice which  caused  mental  agony  inconvenience and harassment   to the  complainant. They are   also  directed to pay an amount of  Rs. 3,000.00   towards  litigation cost. The opp.parties  are directed to comply the  aforesaid  order  within one  month  of   receipt  of this order, failing  which  they are liable  to pay penal interest @ 12% per annum till payment  is  made.