KERALA STATE CONSUMER DISPUTES REDRESSAL COMMISSION

                     VAZHUTHACAUDTHIRUVANANTHAPURAM      

                                       APPEAL NO.328/10

                             JUDGMENT DATED 27.9.2010

PRESENT

JUSTICE SHRI.K.R.UDAYABHANU            --  PRESIDENT

SRI.S.CHANDRAMOHAN NAIR                     --  MEMBER

1.      The Manager,

North Malabar Gramin Bank,

Periya Bazar Branch, P.O.Periya,

Hosdurg Thaluk, Kasaragod District.                                            

2.      The General Manager,                                 --  APPELLANTS

North Malabar Gramin Bank,

Head Office, Kannur.

            (By Adv.Devan Ramachandran & Ors.)

                             Vs.

1.           P.V.Raman,

          S/0 Late Shankaran, Agriculturist,

          Residing at Payattichal, P.O.Periya,                            

          Hosdurg Thaluk, Kasaragod District.

2.          C.Krishnan Nair,                                        --  RESPONDENTS

          S/0 Mahalinga Nair, Bedadukka Village,

          Bedira, Aramanakkal.

             (By Adv.G.S.Kalkura)

                                                          JUDGMENT

JUSTICE SHRI.K.R.UDAYABHANU,PRESIDENT

                    The appellants are the opposite parties/Malabar Gramin Bank.  The direction in the order to the appellants is to prepare the loan agreement in the Malayalam language and also issue a copy of the agreement after execution of the agreement to all lonees with repayment schedule in future.  The appellants are also under orders to furnish a copy of the agreement executed by the complainant to him   and also   the  complainant is directed to pay all the loan dues at the rate of interest provided in the agreement and repayment schedule  after deducting the amount already remitted by him.  The appellant are under orders to pay cost of Rs.3500/-  and in case of failure to comply with the  directions to pay Rs.5000/-  as compensation. 

 We find that the direction issued by the Forum below is in the best interest of both sides.    The appellant cannot insist that the language of the agreement should be only in English.  The case of the complainant is that he is not conversant with the English language.  The appellant cannot take any objection to the direction to give a copy of the agreement to the complainant with the repayment schedule.

          In the circumstances, we find that  there is no scope for admitting the appeal.    The appeal is dismissed in limine.

          The office will forward   copy of this order  to the forum urgently.

JUSTICE  K.R.UDAYABHANU --  PRESIDENT

 S.CHANDRAMOHAN NAIR --  MEMBER

s/L