DISTRICT CONSUMER DISPUTES REDRESSAL FORUM, BARNALA, PUNJAB.
Complaint Case No : 261/2014
Date of Institution : 28.11.2014
Date of Decision : 18.05.2015
Rani Garg aged about 30 years, w/o Sh. Jiwan Kumar, V.P.O. Longowal, District Sangrur.
…Complainant
Versus
PACL India Ltd., Bhai Mani Singh Chowk, Near Lifeline Hospital, Barnala, District Barnala through its Branch Manager.
…Opposite Party
Complaint Under Section 12 of Consumer Protection Act, 1986.
Present: Sh. SK Kotia counsel for the complainant assisted by Sh. Ramandeep Rajput Advocate.
Sh. Rajneesh Kumar Bansal Advocate for opposite party.
Quorum.-
1. Shri J.S. Khushdil : President.
2. Sh. Karnail Singh : Member
3. Ms. Vandna Sidhu : Member
ORDER
J.S. KHUSHDIL PRESIDENT:
The complainant has filed the complaint under Section 12 of the Consumer Protection Act, 1986 (hereinafter called as Act) against the opposite party supported by her affidavit and various documents as mentioned in para No. 9 of the complaint, alleging deficiency in service on the part of the opposite party. As per the version of the complainant, she is consumer of the opposite party. The complainant obtained a policy bearing No. U017034166 on 29.4.2007 for the purpose of saving to be matured on 29.4.2014. The complainant paid all the required payments to the opposite party, thus having no dues towards the complainant. Allegedly, on 26.4.2014, the complainant approached the opposite party with a request to release the maturity amount of Rs. 45,614/- in time. The complainant deposited all the documents with the opposite party as desired. The opposite party got signatures of the complainant on some blank forms/receipts and the receipt dated 26.4.2014 was issued to the complainant and she was asked to come after one month for collection of the maturity amount. The original policy is, however in the custody of the opposite party. After the expiry of one month the complainant again approached the opposite party and made a request to release the maturity amount but the opposite party put off the matter on one pretext or the other and lastly it was told to the complainant that, the maturity amount would be released after 4/5 months, however without disclosing any reason. Allegedly, the opposite party failed to release the maturity amount till the filing of the complaint. The complainant further alleged that, due to the said act and conduct of the opposite party, the complainant is undergoing a mental agony, tension and harassment being given by the opposite party. It is alleged that, there is deficiency in service, negligence and unfair trade practice on the part of the opposite party. The complainant requested the opposite party many a times to release the maturity amount but all efforts turned futile. Thus, with these broad allegations the complainant prayed to this Forum to allow her complaint and to direct the opposite party which is as under.-
1) To release the maturity amount alongwith interest at the rate of 12% per annum from the date of maturity.
2) To pay Rs. 20,000/- on account of mental agony, harassment and litigation expenses.
2. The notice was accordingly issued to the opposite party which appeared through its counsel and filed its written version wherein various preliminary and legal objections were taken interalia that the complainant has intentionally and willfully not disclosed material facts, therefore, the complaint is liable to be dismissed as the opposite party company deals with purchase and development of agriculture land and allotment of land/plot to its customer; that there is no deficiency in service on behalf of the opposite party as defined under Section 2 (1) (g) of the Act; that no cause of action has arisen in favour of the complainant; that the opposite party is a real estate company and engaged in the business of sale and development of agriculture land/plot across the country; that the opposite party company did not receive any deposit from the complainant and it has received an advance consideration for purchase of land/plot as per the terms and conditions of the agreement executed between the company as well as the customer for sale and purchase of land/plot. It is pleaded that, the opposite party PACL Ltd. enjoys the status of legal entity and as such it has right to sue its own liability. On merits, the identity of both the parties has not been disputed. In general the allegations of the complainant are denied. However, it has been admitted by the opposite party that, the complainant entered into an agreement bearing registration No. U017034166 with the opposite party for purchase of land, however the opposite party did not receive any deposit from the complainant, rather the amount was received from the complainant as an advance consideration for purchase of land/plot, as per the terms and conditions of the agreement executed between the company and the customer. It has been denied that, the complainant approached the opposite party for the release of the maturity amount and the opposite party ever told the complainant that, the amount would be released after 4/5 months. According to the version of the opposite party the Central Bureau of Investigation has freezed the bank accounts of the opposite party PACL Ltd in case Crime No. R.C.BD 1/2014/E/2004. The opposite party approached the Hon'ble Delhi High Court against the arbitrary order of Central Bureau of Investigation, which is sub judice before the Hon'ble High Court and the matter is fixed for 27.2.2015. In this way, the opposite party is helpless to make payment to its customers, therefore, the delay on the part of the opposite party is neither deliberate nor intentional, rather due to the circumstances beyond the control of the opposite party. The opposite party never promised to pay any money to the complainant but promised to give a plot of land, however in case the customer was not keen to take the plot, in that case, the company was to arrange for the sale of his plot and accordingly the customer was to receive the estimated realized value. It has been denied that, the complainant has suffered any mental agony and harassment given by the opposite party. The jurisdiction of District Forum has also been questioned by the opposite party. The opposite party has therefore, submitted that, there is no deficiency in service on its part and has prayed for the dismissal of this complaint.
3. In order to substantiate her case, the complainant has tendered her affidavit Ex.C-1, statement of payment of installments Ex.C-2, copy of acknowledgment Ex.C-3, copy of voter card Ex.C-4 and closed the evidence.
4. On the other hand, to rebut the evidence of the complainant, the opposite party has tendered affidavit of Manoj Kumar CSC Incharge Barnala Ex.OP-1 and closed the evidence.
5. We have heard the learned counsel for the parties and have gone through the file carefully. The learned counsel for the parties addressed the arguments on the line of the averments and allegations contained in their respective pleadings and they have also referred to the relevant portion of evidence to substantiate their respective contentions. It is further necessary to add here that, both the parties lead the evidence virtually on the line of the averments and allegations contained in their pleadings.
6. We have noted this point that, the complainant had claimed that she obtained the policy bearing No. U017034166 on 29.4.2007 to be matured on 29.4.2014 and this agreement bearing registration No. U017034166 has not been denied by the opposite party in the written statement particularly paragraph 2. The specific stand of the complainant is that, the maturity amount as on 26.4.2014 was Rs. 45,614/- and the complainant deposited all the documents which were duly acknowledged by the opposite party and promised to make the payment of the maturity value within one month to which the opposite party failed to honour. The opposite party has taken a specific stand that, it did not receive any deposit from the complainant, rather the amount received from the complainant is an advance consideration for purchase of land/ plot. The opposite party further took the specific stand that, the company never promised to pay any money to the complainant, rather only promised a plot of land and in case the complainant/customer did not take the plot then the company was to arrange for the sale of the plot and the complainant/customer was to get the realized value of the plot.
7. As noted above the evidence of the parties is on the same line. Ex.C-2 is the statement of payment of installment and acknowledgment is Ex.C-3. The entirety of the evidence reveals that, there is a specific and definite relationship between both the parties. The receipt of the amount has not only been proved on the record but has also been admitted by the opposite party. It is crystal on the file that, the complainant purchased a policy No. U017034166 on 29.4.2007. It is further a notable point that this policy or agreement has not been placed on record by either of the party. The opposite party has admitted the receipt of the amount from the complainant not as a deposit but an advance consideration for purchase of land/plot. This piece of evidence further authenticates that the amount so deposited by the complainant stood duly received by the opposite party. The opposite party admittedly come with the plea that, it promised a plot and in case the customer fails to receive the plot then the company was to dispose off the plot and the customer could get the realized value of the same. No evidence has come on the file that, any plot was ever allotted to the complainant. The fact remains that, the complainant had deposited this amount against registration No. U017034166, which is otherwise admitted.
8. Assumingly, there is no agreement or policy, even then the opposite party which has received the deposit from the complainant would have utilized the amount for its own benefits and in that way, the opposite party company cannot deprive of the complainant from any benefit. Any amount lying with any person in the shape of cash is presumed to fetch some interest and in the instant case the amount was being utilized for real estate.
9. It is admitted as well as evident that, a sum of Rs. 20,000/- has been received by the opposite party. Neither the opposite party had paid the principal amount nor the interest nor the maturity amount. Apart from that, the opposite party took the stand that, it was to allot the plot to the customer and in case the customer is not interested in the plot then the realization value of the plot was to be paid to the customer. It is again necessary to add here that, the opposite party has lead no evidence to the effect that any plot was allotted to the consumer more particular to the complainant or the complainant ever refused to receive the plot and if so any realized value of the plot so sold was ever paid to the complainant.
10. The whole transaction took place in the territorial jurisdiction of this Forum and the allegations of the opposite party qua the territorial jurisdiction of this Forum are of no avail or substance. This Forum is of the considered view that no innocent person should suffer and must get the legitimate relief, which is required to be given under the legislation.
11. The opposite party has come up with the weak shield that its accounts have been freezed by the CBI and the matter is sub judice in the Hon'ble Delhi High Court. It is further a notable point that no stay order has been placed on the record by the opposite party passed by any lawful authority. Even if the accounts of the opposite party are freezed, even then we feel that, the opposite party cannot escape from its liability and the opposite party is duty bound to return the amount so received from the complainant.
12. This Forum is further of the considered view that, the opposite party is bound to return the amount to the complainant from all its available sources and assets. Obviously, a consumer who has invested this amount with the opposite party would have a hope if not for high profit but at least a reasonable interest thereon as is given by the Nationalized Banks. Notably the dealing pertains to 29.4.2007. It is apparent and crystal on the record that, the complainant would have tried her level best to get back her money. The complainant definitely would have suffered a mental agony and stress, which resulted due to the deficient services on the part of the opposite party. As the complainant has failed to get the proper relief at her own level that is why the complainant has approached this Forum through the instant complaint.
13. Thus, it has been proved that, complainant deposited Rs. 20,000/- as on 29.4.2007, which we treat as principal amount, therefore, this Forum is of the view that, the complainant is entitled to claim the principal amount of Rs. 20,000/- with simple interest at the rate of 9% per annum from the date of deposit till realization. As such, this complaint deserves to be allowed and accordingly the same is allowed. Accordingly, we order the opposite party to pay the amount of Rs. 20,000/- to the complainant alongwith interest at the rate of 9%per annum from the date of deposit i.e. 29.4.2007 till realization. We further order the opposite party to pay the amount of Rs. 5,000/- to the complainant being consolidated amount of compensation towards litigation expenses and mental agony.
14. This order of ours shall be complied within 60 days from the date of the receipt of this order. Copy of this order be supplied to the parties free of costs. The file after its due completion be consigned to the records.
ANNOUNCED IN OPEN FORUM:
Dated: 18th Day of May 2015
(Vandna Sidhu) (J.S. Khushdil) (Karnail Singh)
Member President Member
