CC Filed on 25.02.2011
Disposed on 28.04.2011
BEFORE THE DISTRICT CONSUMER DISPUTES REDRESSAL FORUM, KOLAR.
Dated: 28th day of April 2011
PRESENT:
Sri. G.V.HEGDE, President.
Sri. T.NAGARAJA, Member.
Smt. K.G.SHANTALA, Member.
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Consumer Complaint No. 48/2011
Between:
BEML Employees Credit Co-operative Society (Regd.), Maharaja Road, Robertsonpet, Kolar Gold Fields. Represented by its: Secretary. V/S 1. Smt. M. Pushpa, 194/06, Primary Health Centre, Oorguampet, K.G.F. 2. The Administrative Medical Officer, Primary Health Centre, Doddachinnahalli, (via) Oorguam Post, K.G.F. | ….Complainant |
3. The Administrative Medical Officer, Primary Health Centre, Oorgaumpet, K.G.F. | ….Opposite Parties |
ORDERS
This is a complaint filed under section 12 of the Consumer Protection Act, 1986 praying for a direction against the opposite party No.3 to effect prompt deduction of the loan installments and to credit the same to complainant-society with costs, etc.,
2. The material facts of complainant’s case may be stated as follows:
That the complainant is a credit co-operative society and OP.1 who is working as a government servant, is an associate member of complainant society and that OP.1 had borrowed Rs.50,000/- on 03.01.2008 agreeing to repay the loan and interest in 53 monthly installments of Rs.1,400/- and in default agreeing to pay overdue interest at one and a quarter time the ordinary rate of interest from the due date to the date of regularization of payment. Further that OP.1 was working under OP.2, who was Pay Disbursing Officer and that the said officer had undertaken to deduct the installments becoming due out of the salary payable to OP.1 and to remit the same to complainant-society and that he failed to deduct the said installments as undertaken and to remit to complainant-society and that he had also undertaken to instruct the subsequent Pay Disbursing Officer to effect the deduction in the event of the transfer of OP.1 to any other place. It is made out that for the present OP.1 has been working under OP.3, who is the present Pay Disbursing Officer. It is made out that OP.2 or OP.3 has not effected deduction of installments and that OP.1 has also failed to repay the loan and the installments. It is alleged that for the present certain amount is outstanding in the said loan account of OP.1.
3. The notices issued by this Forum were served on OP.1 to OP.3. The OP No.1 and 2 appeared and OP.3 remained absent. OP.1 consented for order for deduction of installments out of his salary. The official who appeared on behalf of OP.2 admitted that the salary deduction undertaking letter produced by complainant was issued by the then Medical Officer who was Salary Disbursing Officer.
4. In view of the consent of OP.1 and the admission on the part of OP.2, it is to be held that the complainant is entitled to the relief prayed for. It is admitted that for the present OP.1 is working under OP.3. The complainant-society had given the loan on the undertaking given by OP.2 for effecting deduction of installments out of the salary of OP.1. That undertaking is also binding on the subsequent Pay Disbursing Officer in the event of transfer of OP.1. Hence we pass the following:
O R D E R
The complaint is allowed. OP.3 is directed to deduct Rs.1,400/- per month out of the monthly salary payable to OP.1 and to credit the same to complainant-society till the closure of loan. The parties shall bear their own costs.
Dictated to the Stenographer, corrected and pronounced in open Forum this the 28th day of April 2011.
MEMBER MEMBER PRESIDENT
