DISTRICT  CONSUMER  DISPUTES  REDRESSAL  COMMISSION,

                                          PATIALA         

                                             Consumer Complaint No. 256 dt.29/10/2020                                                                                                                                         Decided on:   02/07/2021

Archana Singh wife of Narinder Singh aged about 52 years, resident of H. No.26-B, St. No.1 Bahadurgarh, Tehsil and District Patiala-147021                                                                                ...Complainant      

                                         Versus 

1.    Saharayn Universal Multipurpose Society Limited,  195, Zone-1, 

In front of D. B. Mall, M.P. Nagar, Bhopal, Madhya Pradesh-462011.

2.   Saharayn Universal Multipurpose Society Limited, Sahara India

      Parivar, Near Sethi  Sales Corporation, Opp. Polo Ground, Patiala.                                                                                ….Opposite parties.

                                Complaint under Section 35 of the 

                                Consumer Protection Act, 2019.  

QUORUM

                                Sh. Jasjit Singh Bhinder, President                                                                                                                                                          Sh. Vinod Kumar Gulati, Member 

ARGUED BY:

Sh. M. L. Sharma  Adv. counsel for complainant.

Sh. Dhiraj Puri Adv. counsel for the Opposite Parties.

ORDER

                              JASJIT  SINGH  BHINDER,  PRESIDENT

1.                  Complainant has filed this complaint under Section 35 of the Consumer Protection Act, (hereinafter referred to as the Act) against the Opposite Parties namely Saharayn Universal Multipurpose Society Limited  & Ors. ( hereinafter referred to as the OPs) on the ground that complainant availed the services of the OPs by investing an amount of Rs.5000/-  under Super BB Scheme vide Certificate No.085001773483 on 20/03/2017. The date of maturity of the said FDR/ certificate was 20/03/2020 and maturity value of the same is Rs.7500/-. Complainant also invested an amount of Rs.10,000/- each under Super AB Scheme vide Certificates No.105000816072 & No.105000816073 on 13/06/2017. The date of maturity of the said FDR/ certificate was 13/12/2019 and maturity value of the same are Rs.14,324/- each for each certificate. After due date of said certificate the complainant submitted all the relevant documents with OPs for releasing of the maturity amount. The complainant ran from pillar to post for the redressal of his grievances but OPs did not release the amount deposited by the complainant with matured value. The complainant requested the OPs so many times to release the maturity amount but they failed to do so. Thus, alleging deficiency in service on the part of the Ops.  The complainant has prayed that the opposite parties be directed to release the total maturity amount of Rs.36,148/- along with 9%  interest from the date of their maturity and to pay Rs.20,000/- on account of inconvenience, mental agony, harassment and mental tension and an amount of Rs.7700/- on account of litigation expenses. 

2.             In reply filed by the OPs, preliminary objections are taken up on the grounds that the complainant  has not approached the Commission with clean hands as the present complaint is wholly misconceived and groundless and unsustainable in law. The complainant is a member of the society and if any member of the society has any grievance then he should go to the arbitrator for arbitration.  That in the present complaint the dispute if any between the complainant and the OPs is between members and Society, Therefore, there is special provisions made by the legislatures in Cooperative Societies Act 2008.  On merits, it is stated that the complainant being the member of the society  had chosen to invest amount in Sahara Plans  in the shape of FDR/ certificate at Branch office Patiala of Society.  Complainant after understanding the by-laws and objects of the society has become a Member. Before opting the scheme the complainant duly understood the terms  and conditions of the scheme  and then the complainant had submitted signed application forms to share for the furtherance of the objects of society. It is further submitted that the maturity value of accounts was as per the terms and conditions of scheme. The complainant demanded additional interest after date of maturity but no additional interest is payable to the complainant after the date of maturity. As such there is no deficiency in service on the part of the OPs. The complainant has no right to claim against the terms of the agreement. The present complaint is an abuse of process of law which is completely based on false concocted story and the complainant is not entitled to get any claim or compensation or litigation cost and that the present complaint is not maintainable and is liable to be dismissed with cost.  It is further pleaded that  complainant has made the declaration to abide with the conditions of the scheme, as such the conditions of the scheme are binding upon the complainant  and complainant has no right to claim anything against the terms and conditions of the scheme.

3.             The learned counsel for the parties produced their respective evidence before this Commission in the shape of documents and affidavits. 

4.             We have gone through the pleadings of the parties and documents placed on record by the parties as well as heard the arguments advanced by the learned counsel for the parties. 

5.                  To prove the case, ld. Counsel for the complainant has tendered Ex.CA affidavit of the complainant where in complainant has deposed as per his complaint and Ex.C-1 to Ex.C-3 copies of certificates and Ex.C-4 is the copy of aadhaar Card of the complainant. Learned counsel for the complainant has argued that the complainant has invested the amount with the OPs. Further it is contended that the complainant approached the OPs and requested OPs to release the maturity amount of the FDR/ certificate, but the amount was not paid despite approaching the OPs. On the other hand, the OPs have  tendered Ex.OPA affidavit of Rajesh Kumar Shukla, Sector Manager along with documents Ex.OP-1 copy of authority letter and Ex.OP-2 copy of  terms and conditions.

6.             It is proved on record that the complainant deposited with the opposite parties a total amount of Rs.36,148/- vide copy of FDR/ certificate Ex.C-1 to Ex.C-3. Even after the maturity of the certificate, Ops have not paid the maturity amount. Date of maturity and maturity amount is also mentioned on the certificates Ex.C-1 to Ex.C-3. In this way OPs have defrauded the innocent complainant despite the fact that amount was received but OPs have not made the payment.

7.             In view of our above discussion, we allow the complaint and direct the OPs to pay to the complainant an amount of Rs.7500/- for certificate No.085001773483 along with interest @ 6% per annum from 20/03/2020 till realization.  Rs.14324/- each for certificates No. 105000816072 & No.105000816073  along with interest @ 6% per annum from 13/12/2019 till realization It is further directed to pay to the complainant an amount of Rs.5000/- as compensation for mental agony, harassment and further an amount of Rs.5000/- on account of litigation expenses.  This order be complied with by the opposite parties within 45 days from the date of receipt of certified copy of this order. 

ANNOUNCED*

Dated: 02/07/2021 

                           (Vinod Kumar Gulati)               (Jasjit Singh Bhinder)

                                       Member                                      President