Ld. Advocate(s)

                                                For Complainant: Safikul Alam

                                                For OP/OPs : None

                        Date of filing of the case                 :11.04.2023

                        Date of Disposal  of the case                      :18.01.2024

Final Order / Judgment dtd.18.01.2024

The  concise fact of the case of the complainant is that the complainant Atanu Roy’s father  namely Ajit Roy applied  for non-housing loan  to the OP,  Manager Aadhar Housing Finance  Limited which the OP sanctioned on 30.11.2021 for Rs.9,69,019/- and Insurance  is Rs.2,836/- and LIC is Rs.70,852/-. All the approval letters  were issued  in this respect. Out of that loan the OP paid Rs.8,66,132/- to the said Ajit Roy. Subsequently, said Ajit Roy died on 04.01.2022. The complainant  as a legal heirs  and consumer  filed this case.  The complainant  informed  the OP about the  death of said Ajit Roy. The OP sent a letter  to Ajit Roy  on 12.10.2022 along with  name of the complainant  as first co- borrower and legal heirs.  The OP demanded 

(2)

CC/25/2023

Rs.10,16,676/- in that letter and also sent a notice  for payment of the loan on 11.10.2022. The actual amount  is Rs.15,975/- and interest for the period is 07.01.2022 to 02.03.2022. The OP did not  pay the insurance  money of Rs.70,852/- as LIC to the Insurance Company and Rs.2,836/- as Insurance. It is the duty  of the OP to pay  the said  money  but the legal heirs  did not receive  the LIC money  after the death of Ajit Roy. Despite  information to the OP they did not  give to service  and the agreement  paper  to the petitioner, despite going to their office  several times. So the present case is  filed. The cause of action for the present  case arose  on 10.11.2022 and on subsequent date. The complainant  prayed for an award  the directing  the OP to give  the Insurance Certificate  and LIC Certificate  of Late Ajit Roy to the complainant , direction to OP for receiving  actual amount  from the complainant , direction  to handover  the original  deed other documents of Late Ajit Roy to the complainant,  Rs.3,00,000/- towards mental pain and agony and litigation cost.

The OP initially  contested the  case but subsequently  did not file W/V and as such as per  order no.7 dated 30.06.2023 the case is decided  to be heard  ex-parte  against the  OP.

The complainant  in order to substantiate the  case adduced both oral evidence in the form  of affidavit in chief  and documentary  evidence in course  of trial of this case.

Having perused  the case record  it is found that  one sanction letter  was issued  to the said Ajit Roy, the deceased  father of the  complainant  with the heading  of sanctioning  non-housing  loan for a sum  of Rs.9,69,019/- at an interest  of 17.25%. The complianant further  proved  the pass book  of the bank in the name  of the complainant. The complainant  further  stated in evidence  that the complainant paid  Rs.15,975/- and filed copy of bank pass book to  substantiate  it. The entire oral and documentary  evidence  of the complainant  stand unchallenged  and un-discarded  since the  case  is heard ex-parte  against the  OP.

Thus  having assessed  the entire  unchallenged  evidence  and the uncontroverted  documentary  evidence  of the complainant  the Commission is of the view  that the OP has acted  in a manner  with the  complainant which tantamounts  to deficiency  in service. The OP could not adduce any evidence  on their  behalf. So also the  OP could not make out  any defence  case in as much as  the OP has not filed any written  version  due to  the case being heard ex-parte  against this.

Thus  after considering the entire evidence  of the complainant  which stand  unchallenged, the Commission comes  to the finding 

(3)

CC/25/2023

that the complainant  successfully  proved  the case against the OP upto the hilt  ex-parte.

Consequently, the complaint case succeeds ex-parte against the  OP.          

Hence,

                    “It is

Ordered

that the complaint case no.CC/25/2023 be and the same is allowed ex-parte against  the OP, Manager Aadhar  Housing Finance Limited  with cost of Rs.5,000/- (Rupees five thousand). The complainant do get an award with a direction to the OP to give  the insurance  certificate and LIC certificate  of Late Ajit Roy to the complainant ,  without  taking  any amount  from the complainant, further direction  to give original deed and other documents  of Late Ajit Roy to the complainant, Rs.25,000/- (Rupees twenty five thousand) towards mental pain and agony and harassment and litigation cost of Rs.5,000/- (Rupees five thousand). The OP is directed to  pay Rs.30,000/-(Rupees thirty thousand) to the complainant  within 30 days  from the date of passing  the final order failing which  the entire award money shall carry an interest  of 10% p.a from the date of its passing the final order till the date of its realisation.

All Interim Applications  (I.A) stand disposed of  accordingly.

D.A to note in the trial register.

The case is accordingly disposed of.

Let a copy of this final order be supplied to both the parties at free of costs.”                 

Dictated & corrected by me

 ............................................

                PRESIDENT

(Shri   HARADHAN MUKHOPADHYAY,)                                    ................ ..........................................

                                                                                                                          PRESIDENT

                                                                                                (Shri   HARADHAN MUKHOPADHYAY,)

I  concur,

  ........................................                                                 

          MEMBER                                                                

(NIROD  BARAN   ROY  CHOWDHURY)