BEFORE DISTRICT CONSUMER DISPUTES REDRESSAL COMMISSION, SIRSA.
Complaint Case no. 677 of 2019
Date of Institution: 26.11.2019
Date of Decision: 30.03.2022.
Ranjana Singla aged about 41 years D/o Sh. Harbans Lal (W/o Sh. Naveen Kumar), R/o 13/424, Lane-5, Gobind Nagar, Hisar Road, Sirsa, now residing at Bhucho Mandi, Distt. Bathinda (Pb.). ………Complainant.
Versus
1. Sahara India Pariwar, Branch Located at adjoining Jyani Hospital, Near State Bank of India Main Branch, 2nd Floor, Sirsa, Tehsil and Distt. Sirsa through its Branch Manager.
2. Sahara Credit Cooperative Society Ltd., Branch Located at adjoining Jyani Hospital, Near State Bank of India Main Branch, 2nd Floor, Sirsa, Tehsil and Distt. Sirsa through its Branch Manager.
3. Sahara Credit Cooperative Society Ltd., Sahara India Bhawan, 1, Kapporthala 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
MRS.SUKHDEEP KAUR…….………MEMBER
SH. SUNIL MOHAN TRIKHA……….MEMBER
Present: Sh. Subhash Chander, Advocate for complainant.
Sh. J.S. Sidhu, Advocate for opposite parties.
ORDER
The complainant has filed the present complaint under Section 35 of Consumer Protection Act, 2019 against the opposite parties (referred as OPs) on the averments that she got deposited her saving amount with op no.1 in the shape of as many as seven FDRs of different amount and op no.1 i.e. local branch of ops issued different receipts and certificates. The maturity values of the same are Rs.1,29,093/- i.e. Rs.1,10,000/- as principal amount and Rs.19,093/- as interest upto the date of maturity i.e. 01.06.2018 and details of all FDs alongwith maturity value are as under:-
Sr. No.Certificate No. Date of Maturity Maturity amount
- 925003903634
- to 925003903637 1.6.2018 Rs.18,608/- each
Dt. 1.12.2016
- 925003903638 Dt.1.12.16 1.6.2018 Rs.19,771/-
- 925003903639 & 40
- Dt. 1.12.2016 1.6.2018 Rs.17,445/- each
2 It is further averred that ops agreed to pay interest @12% per annum compoundable interest with half yearly rests. The total amounts have been lying deposited with the ops and at the time of deposit, the Manager and agents of ops assured her that amount deposited will be definitely repaid alongwith agreed rate of interest. The complainant visited the ops lastly in the month of August, 2019 and ops assured to refund the amount within two months but they failed to make the payment so far and are lingering the matter on one pretext or the another. The complainant has fulfilled all the terms and conditions for getting refund of the amount but despite that ops are not paying the amount to her and she has come to know that ops have obtained the money from her by playing a fraud with her after making false promises and assurances and now intentionally delaying the payment. The ops are legally bound to make the payment of the above said FDRs and there is deficiency of service and unfair trade practice on the part of ops and complainant has apprehension that ops may usurp the amount deposited by her. The complainant is legally entitled to get maturity amount of above said FDRs alongwith future interest as per agreement otherwise she is legally entitled to get the money alongwith interest @24% per annum. Hence, this complaint.
3.On notice, opposite parties appeared. Ops filed their joint written statement taking certain preliminary objections that the complainant is not a consumer of Ops as there is no relation of consumer and service provider between the complainant and Ops. The ops are Society duly registered under ‘Multi State Co-operative Society Act, 2002” and the complainant is a member of Society. Thus, relation between the complainant and ops is of Member and society. Therefore, for any dispute between Society and Member, consumer complaint is not maintainable and is liable to be dismissed with cost. That op no.1 has not entered into any agreement with the complainant or received any contribution from the complainant to provide any service. Moreover, no company exists with name of op no.2. Therefore, complaint is defective for mis-joinder of unnecessary party and is liable to be dismissed on this ground alone. If, the member of the society has any grievance or dispute with the society, he/ she is bound to refer the dispute before the Arbitrator as per Clause 11 of the terms and condition of the contribution of the scheme Sahara Credit Cooperative Society Limited. That complainant is not the consumer as defined under the Consumer Protection Act as the complainant made the contribution in the scheme for earning profit, therefore, the contribution made by complainant is a purely commercial transaction and does not come under the ambit of Consumer Protection Act. On merits, it is submitted that 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. The complainant being member of Society with membership no.24841600124 had chosen scheme A Select to make investment in furtherance of the objects of Society. She herself approached the company to take good benefit. The payment, if any, was strictly payable as per terms and conditions of the contribution. It is further submitted that under Sahara Credit Society Scheme, there is no provision of maturity or pre-maturity payment. The complainant has made false and baseless statement. The complainant is not entitled to get Rs.1,29,093/-. The complainant’s accounts are still continuing under the terms and conditions of scheme and she is getting benefits of scheme and the ops never refused to provide its services to the complainant. Further, scheme does not provide interest over the contributed amount. It is further submitted that Clause 10 of the Contribution scheme Bye-laws, Rules and Regulation of Society is binding upon the member complainant. The member can avail the benefits of contribution as per terms and conditions of scheme. That for getting refund the member has to surrender original certificate and after that on the date of payment, the member is to be present at the office with Identity proof for verification and to sign the discharge voucher. It is further submitted that due to economic crisis and financial constraint, the answering ops were rendered unable to make the payment of contribution amount and its benefit at one go. As such the complainant was asked to receive the payment in part/ installment, but she willfully refused to receive the same in part. Due to the above reason, payment could not be made. Remaining contents of the complaint are also denied to be wrong and prayer for dismissal of complaint made.
4.Complainant tendered into evidence her affidavit Ex.CW1/A and copies of certificates Ex.C1 to Ex.C7
5.On the other hand, learned counsel for ops suffered a statement that written version filed on behalf of ops be read as evidence and they do not want to file any separate evidence.
6.We have heard learned counsel for parties and have perused the case file carefully.
7.The complainant in order to prove her complaint has furnished her affidavit Ex.CW1/A in which she has reiterated all the contents of his complaint. She has also placed on file copies of certificates as Ex.C1 to Ex.C7. From the copies of certificates Ex.C1 to Ex.C4, it is evident that on 1.12.2016 complainant deposited amount of Rs.16,000/- each (i.e. Rs.64,000/- vide Ex.C1 to Ex.C4) with the ops and the date of maturity in each certificate is mentioned as 1.6.2018 and on maturity, she was entitled to receive an amount of Rs.18,608/- of each certificate/ FDR. The perusal of certificate Ex.C5 reveals that on the same day i.e. 1.12.2016, complainant also deposited an amount of Rs.17,000/- and the date of maturity in this certificate is mentioned as 1.6.2018 and on maturity, she was entitled to receive an amount of Rs.19,771/- from ops. Further, the perusal of certificates Ex.C6 and Ex.C7 reveals that on 1.12.2016 complainant deposited an amount of Rs.15,000/- each and the date of maturity is mentioned as 1.6.2018 and on maturity, she was entitled to receive an amount of Rs.17,445/- each from ops. From the perusal of all these certificates Ex.C1 to Ex.C7, it is revealed that complainant deposited total amount of Rs.1,11,000/- with the ops for a period of 18 months and on maturity, she was entitled to receive total amount of Rs.1,29,093/- from ops.
8.During the course of arguments, learned counsel for ops has strongly contended that as per scheme of the company, complainant is not entitled to file a consumer complaint rather she is bound to refer her dispute before the Arbitrator as per arbitration agreement. On the other hand, learned counsel for complainant has contended since remedy provided under Consumer Protection Act is an additional remedy, so complaint filed by present complainant is very much maintainable. But we found no substance in the plea of learned counsel for ops as remedy provided under Consumer Protection Act is an additional remedy and complainant can opt for this remedy, so it cannot be presumed that present complaint is not maintainable. Moreover, ops have not placed on file any scheme or arbitration agreement executed between the parties. The ops have not placed any document in support of their version. Non payment of amount of complainant clearly amounts to deficiency in service as well as unfair trade practice on the part of ops and as such complainant is also entitled to compensation and litigation expenses from the ops besides maturity amount.
9. In view of our above discussion, we allow this complaint and direct the opposite parties to pay the amount of Rs.1,29,093/- alongwith interest @12% per annum from the date of maturity i.e. 1.6.2018 till actual realization to the complainant. We also direct the ops to pay a sum of Rs.20,000/- as compensation for harassment including 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 Member President,
Dated: 30.03.2022. District Consumer Disputes
Redressal Commission, Sirsa.
JK
