Punjab

Sangrur

CC/221/2019

Avtar Singh - Complainant(s)

Versus

HDFC Bank Ltd. - Opp.Party(s)

Sh.Vikram Manchanda

16 Jan 2020

ORDER

DISTRICT CONSUMER DISPUTES REDRESSAL FORUM, SANGRUR      

                                                             

                                               

                                                                                      Complaint No.     221   

                                                                                       Instituted on:  22.05.2019  

                                                                                       Decided on:    16.01.2020

 

Avtar Singh Sidhu S/o S. Pritam Singh Sidhu, Vill & P.O. Uppli, District and Tehsil Sangrur, Punjab.

           

                                                …. Complainant  

                                Versus

 

HDFC Bank Ltd. Shop No.1,2&3, Kaula Park Market, Sangrur, Punjab 148 001 through its Branch Manager.

                                                  ..Opposite party.

 

FOR THE COMPLAINANT            :         Shri Vikram Manchanda,Adv.            

FOR THE OPP. PARTY                           : Exparte                         

 

Quorum:   Shri Amrinder Singh Sidhu, President

                              Ms.Vandana Sidhu, Member

                  Shri V.K.Gulati, Member

 

Order by : Shri Amrinder Singh Sidhu, President.

      

1.             Shri Avtar Singh Sidhu, complainant has filed this complaint alleging that he has a saving bank account number 50100052544007  with the OP. The case of the complainant is that on 15.3.2019 from his account he online transferred  an amount of Rs.1,80,000/- through his debit card number 4160-2103-1066-1445 in the account of GMADA Mohali, but the said transaction was failed and the amount was deducted from his account.  The complainant lodged the complaint with the OP and an email was received that the customer service representative will contact the complainant within two working days, but all in vain.  Thereafter the complainant sent so many emails/complaints to the OP, but only on 26.4.2019 the amount of Rs.1,80,000/- was transferred to the account of the complainant.  Thus, alleging deficiency in service on the part of the OP, the complainant has prayed that the OP be directed to pay interest @ 12% per annum for 45 days on the amount of Rs.1,80,000/- i.e. for the period from 15.3.2019 to 26.4.2019  and has claimed compensation of Rs.50,000/- and further claimed litigation expenses to the tune of Rs.20,000/-.

2.             Record shows that the OP was proceeded against exparte as the OP failed to put appearance despite service.

3.             The complainant has tendered documents Ex.C-1 to Ex.C-33 and closed evidence.

4.             We have heard the arguments of the learned counsel for the complainant and have also perused the case file. 

5.             The learned counsel for the complainant has contended that the complainant is having a saving bank account number 50100052544007  with the OP. Further the learned counsel for the complainant has contended that on 15.3.2019 the complainant transferred online an amount of Rs.1,80,000/- through his debit card number 4160-2103-1066-1445 in the account of GMADA Mohali, but the said transaction was failed and the amount was deducted from his account.  The complainant lodged the complaint with the OP and an email was received that the customer service representative will contact the complainant within two working days, but all in vain.  Thereafter the complainant sent so many complaints to the Ops, copies of which and reply thereof are on record as Ex.C-3  to C-31.  In the present case, the OP chose to remain exparte and the case of the complainant is fully proved from the documents produced on record. Further, we feel that the complaint of the complainant deserves acceptance.

 

6.             In the sequel of above discussion, we allow the complaint and direct the OP to pay Rs.1997/- as interest @ 9% per annum to the complainant on the amount of Rs.1,80,000/- for 45 days i.e. 15.3.2019 to 26.4.2019. We further direct the Op to pay to the complainant an amount of Rs.10,000/- on account of compensation for mental tension agony and harassment and litigation expenses.   This order be complied with within a period of 45 days from the receipt of copy of the order. A copy of the order be supplied to the parties free of charge. File be consigned to records in due course.                       

                Pronounced.

                January 16,2020.

 

 

        (Vinod Kumar Gulati) (Vandana Sidhu) (Amrinder Singh Sidhu)

                 Member                   Member                 President