BEFORE DISTRICT CONSUMER DISPUTES REDRESSAL COMMISSION, SIRSA.
Complaint Case no. 190 of 2022
Date of Institution: 24.03.2022
Date of Decision: 27.07.2023.
Jagdish Kumar Bishnoi aged about 71 years son of Sh. Sahi Ram Bishnoi, R/o H.No. 265, Near Durga Mandir, B-Block, Sirsa, Tehsil and Distt. Sirsa.
………Complainant.
Versus
1. Sahara India Pariwar cum Sahara Credit Cooperative Society Ltd., Branch Located at adjoining Jyani Hospital, Near State Bank of India, Main Branch, 2nd Floor, Sirsa, Distt. Sirsa, through its Branch Manager.
2. Sahara Credit Cooperative Society Ltd., Reg. Office at Sahara India Bhawan, 1, Kapoorthala Complex, Aliganj, Lucknow- 226024 through authorized person.
……… Opposite parties.
Complaint under Section 35 of the Consumer Protection Act, 2019.
Before: SH. PADAM SINGH THAKUR………. PRESIDENT
SMT. SUKHDEEP KAUR……………..MEMBER
Present: Sh. Subhash Chander, Advocate for complainant.
Opposite parties already exparte.
ORDER
This complaint has been filed by complainant against the opposite parties seeking payment of Rs.1,28,620/- as maturity amount alongwith interest besides compensation for harassment and litigation expenses from ops.
2. In brief, the case of complainant is that complainant deposited his saving amount with the ops in the shape of two FDRs of total amount of Rs.1,09,000/- i.e. one of Rs.55,000/- and second of Rs.54,000/-. The said amount was deposited by complainant on 15.12.2015 and date of maturity was 15.06.2017 and amount was deposited with op no.1 i.e. local branch of op no.2 under Sahara A Select scheme vide receipts and certificates issued by ops, the detail of which is as under:-
(i) Certificate No. 925-001296375 dated 15.12.2015, maturity amount Rs.64,900/- and date of maturity was 15.06.2017.
(ii) Certificate No. 925-001296374 dated 15.12.2015, maturity amount Rs.63,720/- and date of maturity was 15.06.2017.
3. It is further averred that after maturity ops have failed to make payment of the maturity amount to the complainant despite his several requests and visits and have caused unnecessary harassment and mental agony. That lastly complainant approached the ops in the month of June, 2021 for getting refund of his total due/ maturity amount alongwith further agreed rate of interest but ops have failed to pay the same. Hence, this complaint.
4. On notice, initially opposite parties appeared and filed written statement taking certain preliminary objections qua jurisdiction and maintainability etc. On merits, it is submitted that ops never made request to reinvest the amount and complainant himself approached the office of ops for further investment. The ops are multipurpose co-operative society registered under Multi State Co-operative Societies Act, 2002. The ops are not collecting the funds from General Public for the purpose of investment. Rather the members of the society made contribution in the society. It is further submitted that complainant being member of Society with membership number had chosen scheme A Select to make investment in furtherance of the objects of the Society. That under Sahara Credit Society Scheme, there is no provision of maturity or pre-maturity payment. For any dispute between the Society and its members, consumer complaint is not maintainable and this Commission has no territorial jurisdiction to try present dispute. It is further submitted that complainant’s accounts are still continuing under the terms and conditions of scheme and he is getting benefits of schemes. Remaining contents of complaint are also denied and prayer for dismissal of complaint made.
5. On 30.01.2023 when the case was fixed for evidence of complainant, none appeared on behalf of ops and as such ops were proceeded against exparte.
6. Complainant has tendered his affidavit Ex.CW1/A, copy of the order dated 23.08.2021 Ex.C1 whereby earlier complaint filed by complainant was withdrawn and receipts/ certificates Ex.C2 and Ex.C3.
7. We have heard learned counsel for complainant and have gone through the case file carefully.
8. From the receipt/ certificate Ex.C2, it is evident that on 15.12.2015 complainant deposited amount of Rs.54,000/- with the ops and on maturity on 15.06.2017 complainant was entitled to receive maturity amount of Rs.63,720/- from ops. Further from receipt/ certificate Ex.C3, it is evident that on 15.12.2015 complainant also deposited another amount of Rs.55,000/- with the ops and on maturity on 15.06.2017 he was entitled to receive amount of Rs.64,900/- from ops. The ops despite appearance have failed to rebut the evidence of complainant and ultimately opted to be proceeded against exparte. The averments made by ops in their written version have not been proved by ops by leading cogent and convincing evidence and therefore, simple version of ops without any supporting evidence cannot be relied upon. The ops have not proved on record that ops have ever given benefit of the contribution or any share of the profit of the amount deposited by complainant to him being Member of the Society as alleged by ops. Rather it is proved on record that complainant is entitled to claim his amount after maturity from the ops which he claimed several times from the ops but ops have failed to return maturity amount to the complainant. The remedy provided under Consumer Protection Act is an additional remedy and complainant can opt for this remedy, so it cannot be said that present complaint is not maintainable. Moreover, ops have not placed on file any scheme or arbitration agreement executed between the parties. The Hon’ble Supreme Court of India in case titled as Virender Jain vs. Alaknanda Cooperative Group Housing Society Limited and others, Civil Appeal No. 64 of 2010 decided on 23.04.2013 has held that dispute between Member and Society can be decided by Consumer Forum. The principle of law laid down in the aforesaid judgment is squarely applicable to the case in hand and as such it is held that present complaint is maintainable against ops under the provisions of Consumer Protection Act. More so, as per Section 100 of Consumer Protection Act, 2019, the provisions of the Act shall be in addition to and not in derogation of the provisions of any other law for the time being in force. Therefore, in view of the provisions of Section 100 of Consumer Protection Act, 2019 as well as law laid down by our own Hon’ble Apex Court, the objections taken by ops in written statement are not at all maintainable and ops are liable to refund the amount of complainant. There is nothing on file to disbelieve the version of complainant and that he is not entitled to the claimed maturity amount of Rs.1,28,620/- from ops. Non payment of amount of complainant clearly amounts to deficiency in service as well as unfair trade practice on the part of ops and cause of action is continuous.
9. In view of our above discussion, we allow this complaint and direct the opposite parties to pay the maturity amount of Rs.1,28,620/- alongwith interest @6% per annum from the date of maturity till actual realization to the complainant. We also direct the ops to further pay a sum of Rs.5000/- as composite compensation for harassment and litigation expenses to the complainant. The ops are liable to comply with this order within a period of 45 days from the date of receipt of copy of this order, failing which complainant will be at liberty to initiate proceedings under Section 71/72 of the Consumer Protection Act, 2019 against the ops. A copy of this order be supplied to the parties free of costs. File be consigned to record room.
Announced: Member President,
Dated: 27.07.2023. District Consumer Disputes
Redressal Commission, Sirsa.
