C.F. CASE No.                      :            CC/2013/118

COMPLAINANT                    :           Padmini Karmakar

                                                D/o Jiban Karmakar,

                                                Patrabazar, P.O. Krishnagar

                                                P.S. Kotwali, Dist. Nadia

– Vs. –

OPPOSITE PARTY/OP         :      Manager,

                                                                                ICORE –E Services Ltd.

                                                                                R.C.Para, Cathedral Road

                                                                                (opp. B.M. School)

                                                                                P.O. Krishnagar, P.S. Kotwali,

                                                                                Dist. Nadia, PIN - 741101

PRESENT                : SHRI PRADIP KUMAR BANDYOPADHYAY, PRESIDENT

   : SMT REETA ROYCHAUDHURY MALAKAR, MEMBER

   : SHRI SHYAMAL KUMAR GHOSH,          MEMBER

DATE OF DELIVERY                                             

OF  JUDGMENT                         :    1^st April, 2014

:    J U D G M E N T    :

            Padmini Karmakar, the complainant filed the case against Manager, ICORE-E Services Ltd. under Section 12 of the Consumer Protection Act.  The facts of the complainant’s case are stated as below:-

            The complainant accepted the offer of a scheme to recurring deposit with further assurance to return the principal amount to be deposited along with interest thereon for different tenure of the deposited premium.  The complainant paid Rs. 15,000/- per month for 09 months.  Her account No. is 37403282.  The complainant paid from 17.08.12 to 17.04.13 and the product value is Rs. 2,00,700/-.  The company issued the money receipt for 9 instalments.  The complainant demanded the matured value, but the OP Company is harassing the complainant without refunding the same.  Hence, the complainant prayed for Rs.1,35,000/- and compensation of Rs.2,00,000/- for causing harassment.

            The OP received the notice of this Forum.  One Amit Biswas received the notice on 08.01.14 and put the seal of the company near the receipt.  The OP thought it fit to remain silent and not to contest the case.  Hence, the exparte hearing. 

POINTS FOR DECESION

1. Point No. 1:   Is the complainant a consumer under the OP?
2. Point No. 2:   Is there any deficiency in service on the part of the OP?
3. Point No. 2:   Is the complainant entitled to get any relief?

REASOND DECISIONS

            For the purpose of brevity and convenience all the points are taken up together for discussion.

            The money receipt dtd. 17.08.12, annexure -1 shows the product instalment of Rs. 15,000/- and product value of Rs. 2,00,700/-.   Padmini Karmakar took this policy from Nisith Paul.  ‘Annexure – 2’ shows the 09 months regarding deposit details.  As the defendant did not come and contest the case we are inclined to hold that the affidavit filed by the complainant on 23.12.13 is reliable and believable.

            It is clear that Padmini Karmakar is the consumer under the OP.  It is also clear from the documents and affidavit that matured value of Rs. 2,00,700/-  was not paid by the OP.  This is not only deficiency in service but also unfair trade practice.  Hence, the case succeeds. 

Hence,

Ordered,

That, the case CC/13/118 be and the same is decreed on contest.  No cost.  The complainant is entitled to get a decree of Rs. 1,35,000/- as matured value and Rs. 10,000/- as compensation for mental agony and harassment.  The OP is directed to pay the decretal amount of Rs. 1,45,000/- to the complainant within a period of one month since this date, in default, the decretal amount will carry interest @ 7% per annum till the date of realization of the full amount. 

Let a copy of this judgment be delivered to the parties free of cost.