Karnataka

Belgaum

CC/593/2014

Ranjeet S Desai - Complainant(s)

Versus

Shrikant R Mali. Chairman of Aashraya Sou Cr Society Ltd - Opp.Party(s)

Praveen S SAmbrekar & Bunty R Kapahi

25 May 2016

ORDER

 ( Order dictated by Shri. B.V.Gudli,   President)

COMMON ORDER

            I. Though the complainant/s are different, their grievances, allegations and the facts pleaded are same except the details of the deposits by the respective complainant/s. The complainants belong to one family in some cases. In all the cases the opponents are same, as shown in the cause title. Hence for convenience all the cases are disposed of by the common order.

          II. Since there are 18 cases and same number complainant/s are there having different addresses and particulars of their deposits being different, for brevity and also for clarity and to avoid confusion, names of the parties of the particular case only will be shown in the cause title and the details of the deposits will be shown separately in the annexure.

          1) The relevant facts of the cases are that the respective complainants have filed the complaints u/s. 12 of the Consumer Protection Act 1986 against the O.Ps. alleging deficiency in banking service of non refund of the pre matured and matured fixed deposits/deposit.

          2) After service of notice O.P.1,2,4 and 12 appeared through counsel and filed objection and evidence of affidavit and denied entire contents of the complaint except deposit etc., In few cases the Oppt No.2 has remained ex-parte and only opponent No.1 has appeared through counsel filed his objection and affidavit.

          3) In support of the claim in the complaint, complainant/s has filed affidavit and original F.D.Rs. are produced by the complainant/s. The complainant/s are claiming matured/pre matured F.D.Rs. and certain documents.

          4) We have heard the arguments and perused the records.

          5) Now the point for our consideration is that whether the complainant/s has proved deficiency in service on the part of the O.P. and entitled to the reliefs sought?

          6) Our finding on the point is partly in affirmative, for the following reasons.

:: R E A S O N S ::

7) On the perusal contents of the complaint/s and affidavit filed by the complainant/s, the complainant/s have stated that, for the future maintenance they have deposited the amount in the opponents Souhard Society in the form of fixed deposits. The fixed deposits made by the complainant/s are as under:

Annexure – A

 

Sl. No.	Complaint No.	F.D.R./ A/c. No.	Date of Deposits	F.D. Amount	Date of maturity/ Renewal	Maturity Amount/ Renewed	Rate of interest
1	2	3	4	5	6	7	8
1	591/2014	1659/ 11BA	29/12/2011	33,008/-	29/12/2012	36,969/-
		1660/ 11BA	29/12/2011	33,008/-	29/12/2012	36,969/-
		1663/ 11BA	29/12/2011	22,005/-	29/12/2012	24,646/-
		212	19/1/2007	20,004/-	11/10/2013	40,212/-
2	592/2014	1097/38	4/6/2010	75,000/-	4/9/2011	84,856/-
3	593/2014	1098/38	4/6/2010	75,000/-	4/9/2011	84,856/-
4	594/2014	1657/11BA	29/12/2011	33,008/-	29/12/2012	36,969/-
		1658/11BA	29/12/2011	33,008/-	29/12/2012	36,969/-
5	596/2014	1661/11BA	29/12/2011	33,008/-	29/12/2012	36,969/-
		1662/11BA	29/12/2011	33,008/-	29/12/2012	36,969/-
6	770/2014	1064/11AD	31/12/2012	50,324/-	31/3/2014	56,937/-

 

Annexure – B

Sl. No.	Complaint No.	F.D.R./ A/c. No.	Date of Deposits	F.D. Amount	Date of maturity/ Renewal	Maturity Amount/ Renewed	Rate of interest
1	2	3	4	5	6	7	8
1	592/2014	527	27/9/2003	74,054/-	27/12/2016	2,96,216/-
2	593/2014	526	27/9/2003	75,159/-	27/12/2016	3,00,636/-
		402	23/5/2007	1,00,000/-	23/5/2015	-
		1792/32	13/1/2011	1,01,227/-	13/7/2017	2,02,454/-
		1793/32	23/3/2011	36,223/-	23/9/2017	72,446/-
		1794/32	17/3/2011	41,290/-	17/9/2017	82,580/-
		1795/32	23/3/2011	36,223/-	23/9/2017	72,446/-
3	595/2014	1096/38	4/6/2010	75,000/-	4/9/2016	1,45,989/-
4	729/2014	141/32	30/5/2011	35,911/-	30/11/2016	71,822/-
		142/32	30/5/2011	35,911/-	30/11/2016	71,822/-
		267/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		268/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		269/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		270/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		271/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		272/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		273/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		274/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		275/32	20/10/2010	15,000/-	20/10/2016	32,319/-
5	730/2014	276/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		277/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		278/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		279/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		280/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		281/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		282/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		283/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		284/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		285/32	20/10/2010	15,000/-	20/10/2016	32,319/-
6	731/2014	287/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		288/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		289/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		290/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		291/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		292/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		293/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		294/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		295/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		296/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		297/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		298/32	20/10/2010	5,000/-	20/10/2016	10,773/-
7	732/2014	246/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		247/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		248/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		249/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		250/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		251/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		252/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		253/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		254/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		255/32	20/10/2010	15,000/-	20/10/2016	32,319/-
8	733/2014	139/32	30/5/2011	35,911/-	30/11/2016	71,822/-
		140/32	30/5/2011	35,911/-	30/11/2016	71,822/-
		236/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		237/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		238/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		239/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		240/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		241/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		242/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		243/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		244/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		245/32	20/10/2010	15,000/-	20/10/2016	32,319/-
9	762/2014	256/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		257/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		258/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		259/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		260/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		261/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		262/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		263/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		264/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		265/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		266/32	20/10/2010	15,000/-	20/10/2016	32,319/-
10	766/2014	205/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		206/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		207/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		208/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		209/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		210/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		211/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		212/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		213/32	20/10/2010	15,000/-	20/10/2016	32,319/-
11	767/2014	223/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		224/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		225/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		226/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		227/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		228/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		229/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		230/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		231/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		232/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		233/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		234/32	20/10/2010	15,000/-	20/10/2016	32,319/-
		235/32	20/10/2010	15,000/-	20/10/2016	32,319/-
12	768/2014	929/32	18/7/2011	15,000/-	18/7/2017	30,000/-
		930/32	18/7/2011	15,000/-	18/7/2017	30,000/-
		931/32	18/7/2011	15,000/-	18/7/2017	30,000/-
		932/32	18/7/2011	15,000/-	18/7/2017	30,000/-
		933/32	18/7/2011	15,000/-	18/7/2017	30,000/-
		934/32	18/7/2011	15,000/-	18/7/2017	30,000/-
		935/32	18/7/2011	15,000/-	18/7/2017	30,000/-
		936/32	18/7/2011	15,000/-	18/7/2017	30,000/-
		937/32	18/7/2011	15,000/-	18/7/2017	30,000/-
		938/32	18/7/2011	15,000/-	18/7/2017	30,000/-
13	769/2014	137/32	30/5/2011	35,911/-	30/11/2016	71,822/-
		138/32	30/5/2011	35,911/-	30/11/2016	71,822/-
		94/32	21/4/2011	15,000/-	21/10/2016	30,000/-
		95/32	21/4/2011	15,000/-	21/10/2016	30,000/-
		96/32	21/4/2011	15,000/-	21/10/2016	30,000/-
		97/32	21/4/2011	15,000/-	21/10/2016	30,000/-
		98/32	21/4/2011	15,000/-	21/10/2016	30,000/-
		99/32	21/4/2011	15,000/-	21/10/2016	30,000/-
		100/32	21/4/2011	15,000/-	21/10/2016	30,000/-
		101/32	21/4/2011	15,000/-	21/10/2016	30,000/-
		102/32	21/4/2011	15,000/-	21/10/2016	30,000/-
		103/32	21/4/2011	15,000/-	21/10/2016	30,000/-
		104/32	21/4/2011	15,000/-	21/10/2016	30,000/-
		105/32	21/4/2011	15,000/-	21/10/2016	30,000/-
		106/32	21/4/2011	15,000/-	21/10/2016	30,000/-
		107/32	21/4/2011	15,000/-	21/10/2016	30,000/-
14	771/2014	846/32	23/4/2011	50,000/-	23/10/2016	1,00,000/-
		847/32	23/4/2011	50,000/-	23/10/2016	1,00,000/-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

          After maturity of the said F.D.R/s. the complainant approached the opponents seeking withdrawal of the fixed deposits referred to above and the opponents requested the complainant/s to renew the said fixed deposits. Accordingly the said fixed deposits were renewed from time to time. The complainant/s alleged that, the opponents again renewed the said fixed deposits for the period mentioned on the F.D.R/s. for particular months and informed the complainant about that. After maturity of said F.D.Rs. the complainant/s approached the office of the opponents and requested the opponents to return the matured/pre-matured F.D.R/s amount, inspite of that opponent went on postponing the same by assigning one or other reasons. The complainant/s further allege that even after sending of legal notice to the opponents the Opponents even after receipt of the legal notice, the opponent/s nor reply to the notice nor complied the said.  Hence opponent/s committed deficiency in service as contemplated under the provision of the consumer protection act 1986.

8) On perusal objection filed by the opponent/s, the opponent No.1 contended that the complaint is not maintainable as the complainant/s shall be put to strict proof in case of existence of post of Secretary/Bank Manager of Narvekar Galli Branch Belgaum of opponents society. The opponent/s contends that two branches having their independent identity and the complaint is not tenable for want of joinder of appropriate parties and shall be dismissed with cost. The opponent/s contends that there is no post of Chairman in Narvekar Galli branch and on the point of maintainability and jurisdiction complaint is not maintainable as the complainant is the member of Souhard Society and also he is a share holder and owner of the society and under Sec.39 of KSS Act the court has no jurisdiction to entertain the complaint. The opponent/s further contends that the Forum has erred in entertaining the complaint/s without accessing the fact that there are any pleadings in regards to deficiency in service according to C.P. Act and there are no grounds in regards to deficiency of service against the opponent No.1. The opponent further contends that there is no cause of action and as the claims are pre-matured court has no jurisdiction to entertain pre-matured complaint/s. The deposits retain by the Souhard Society are during the period when there was large scale misappropriation and the contents of para No.3 that deposit/s retained at Narvekar Galli Branch which is not made a party to the proceedings and the complaint/s is not tenable on point of non-joinder of appropriate parties and the complaint/s are filed without approaching the opponent/s society and did not put grievances without details as to who has assured to pay the amount. The opponents further contend that the complainant/s have no right to maintain the complaint/s alleging deficiency in service for pre-matured deposit/s and its seems some secretary is misleading the complainant/s to file frivolous complaint/s and there is no negligence on the part of the opponents and clubbing of cause of action cannot maintain the complaint/s and there are no requisitions made by the complainant/s for pre-matured amount and refusing to pay the amount is not deficiency in service and there is large scale misappropriation of Ex General Manager and Manager of Narvekar Galli Branch, so each payment under fixed deposits are to be complied by K.Y.C. norms and the D.R.C.S. Belgaum as initiate action against under Sec.35 of K.S.S. Act in regards to verification of deposits made by the members and also sought for proof regarding deposits and flow of money and in PAN numbers etc., The opponents further contends that complainant/s were asked to submits K.Y.C. norms and at discretion and emergency society may pay the pre-matured amount after deducting 3% from agreed rate of interest or pay only 6% of the amount whichever is high at the rate of simple interest only. The department of Income Tax has passed the order for making the payment of more than 1.05 Crores as Garnishee assessee for the dues of Shivaganga Multipurpose Co-Operative Society. Prayed to dismiss the complaint/s with heavy cost of Rs.10,000/-.

9) In few number of cases there are more than one opponents and for Oppt No.4 and 12 their counsel has filed objection contending that complaint is not maintainable in eye of law and para No.2 to 15 of the complaint/s denied and the complainant has suppressed the material facts before the forum. The Oppt No.4 further contends that is not a direct of opponent society and resigned in the year 2000 and nowhere concerned with the affairs of the society and has produced certain documents to show that is not holding the post since year 2000. The opponent No.4 further contends that he is not necessary party to the complainant and he has been falsely impleaded and respectively prays to dismissed the complaint against O.P.No.4.

10) We have gone through the affidavit filed by the opponent No.1 and 2 and 4 and 12 and also have perused the documents produced by the complainant/s and Opponent/s. The main contention of the opponent No.1 and 2 are that the complainant/s have failed to furnish K.Y.C details and as there are no records pertaining to their K.Y.C. norms, the opponents are liable to deduct T.D.S. at the rate of 20% of the amount. Coming to the contention of the opponent/s, the complainant/s have submitted the required documents before the Forum complying the K.Y.C. norms and the copy of these documents are been received by the opponent No.1 and 2. Its supposes that the complainant/s complied the required documents of the opponent/s to release the amount under K.Y.C.

11) The another contention of the Opponent No.1 and 2 is that they have not received any intimation in regards to details of maturity of accounts and the deposits are be matured later and the society is facing the financial problems and that the opponents are making efforts to make the payment of maturity at earlier stage etc. And the another contention of the opponents No.1 and 2 is that Souhard Sahakari has never stocked the payment of matured sums subject to condition of K.Y.C. compliance and after deduction of T.D.S. Coming to the admission given by the Opponent/s that they are ready to make payment but the society is facing financial crises and they are making the efforts to make the payment of maturity. But another defence of opponent/s is that the complainant/s has claim pre-matured F.D.R. amount hence they cannot maintain the complaint and complaint/s are liable to be dismissed. The most important point is here to be noted is that their own contention of the opponents that society is under financial problems, the complainant/s might have looking to the position of the society, are seeking pre-matured F.D.Rs. and according to the allegations of the complainant/s that the amount deposited is required to solve the financial problem etc., Hence taking defence that the complaint/s are not maintainable on the sole ground that the complainant/s are claiming pre-matured F.D.Rs. cannot be accepted and believed. Moreover, the opponents are at liberty to calculate the interest from the date of deposits till the date of demand for payment of F.D.R. amount. The another contention in the affidavit is that they have not received any intimation in regards to maturity of accounts. The point here is to be noted that, the F.D.R. receipts are issued by the opponents and before prior to issue of the F.D.Rs. the society or the banks will retain the details of the F.D.Rs. to whom they have received and the date of deposit and its maturity etc., Therefore taking contention in the affidavit by the Oppt No.1 that they have no intimation in regards to maturity of accounts cannot be believed and accepted.

12) In few cases the Oppt No.2 has remained ex-parte and only opponent No.1 has appeared through counsel filed his objection and affidavit. The opponent No.4 has contended that he has resigned from the society and not liable to answer the claim of the complainant/s. But to show that his resignation has been accepted by the competent authority has not produced single document to show that he has resigned and there is a resolution to that effect and his resignation is accepted. Therefore these Oppt No.4 and 12 including the other opponents are liable to answer of the claim of the complainant/s.

13) The another objection of the opponent No.1 and 2 is that the complainant/s has not made Narvekar Galli Branch as a party to the proceedings and hence the complaint is not maintainable for non joinder of the parties. But looking to the cause title of the complaint/s and according to the F.D.Rs. receipts and the addresses given on the said F.D.Rs. of issuing branches the complainant/s have made parties accordingly and in few number of cases the Narvekar Galli Branch and its office bearers are also been made a party. Therefore the complaint filed by the complainant/s are maintainable and the defence taken by the opponents cannot be accepted and believed. Moreover, the opponents branches might be different but they had office which controls the different branches is one and it is to be looked after by the Chairman to the different branches.

14) According to the guidelines of Reserve Bank of India if the depositor who have deposited in form of F.Ds. and claiming pre-matured F.D.Rs. amount, according to R.B.I. in agreed rate of interest on the F.D.Rs. bank/Societies/Financial Institution may deduct 3% from the agreed rate of interest. Considering this aspects as shown in the annexure above in all the cases there are matured F.D.Rs. and also F.D.Rs. claim by the complainant/s are pre-matured and under pre-matured claims the opponents may deduct 3% on the agreed rate of interest under the F.D.Rs. and liable to pay the interest after deduct. The matured F.D.Rs. are shown in Annexure A table and the pre-matured F.D.Rs. are shown in Annexure – B table respectively according to their complaint numbers mentioned in column No.2 of both the tables.

15) Taking into consideration of the facts, evidence on record and the discussion made here before deficiency in service on the part of the O.Ps. have been proved.

          16) Taking in to consideration of various aspects and the decision of Hon’ble Apex Court reported in (2011) SCCR 268 and of the Hon’ble Apex Commission reported in 2013 (2) CPR 574 as well as other subsequent decisions absolutely it is just and necessary to impose cost on daily basis if order remains uncomplied within the period fixed for compliance of the order, so as to have feeling and pinch.

          17) Accordingly, following order.

ORDER

          The complaint/s are partly allowed.

          The Opponents shown in the cause title are hereby jointly and severely directed and liable to pay to the complainant/s as order below;

Annexure – A

 

Sl. No.	Complaint No.	F.D.R./ A/c. No.	Date of Deposits	F.D. Amount	Date of maturity/ Renewal	Maturity Amount/ Renewed
1	2	3	4	5	6	7
1	591/2014	1659/ 11BA	29/12/2011	33,008	29/12/2012	36,969
		1660/ 11BA	29/12/2011	33,008	29/12/2012	36,969
		1663/ 11BA	29/12/2011	22,005	29/12/2012	24,646
		212	19/1/2007	20,004	11/10/2013	40,212
2	592/2014	1097/38	4/6/2010	75,000	4/9/2011	84,856
3	593/2014	1098/38	4/6/2010	75,000	4/9/2011	84,856
4	594/2014	1657/11BA	29/12/2011	33,008	29/12/2012	36,969
		1658/11BA	29/12/2011	33,008	29/12/2012	36,969
5	596/2014	1661/11BA	29/12/2011	33,008	29/12/2012	36,969
		1662/11BA	29/12/2011	33,008	29/12/2012	36,969
6	770/2014	1064/11AD	31/12/2012	50,324/-	31/3/2014	56,937

 

In respect of matured F.D.Rs. as shown in the table above Annexure-A the Opponents directed to pay matured amount as mentioned in column No.7 with future interest at the rate of 8% p.a. from the date mentioned in column No.6 till realization of the entire amount.

Annexure – B

Sl. No.	Complaint No.	F.D.R./ A/c. No.	Date of Deposits	F.D. Amount	Date of maturity/ Renewal	Maturity Amount/ Renewed	Rate of interest
1	2	3	4	5	6	7	8
1	592/2014	527	27/9/2003	74,054/-	27/12/2016	2,96,216
2	593/2014	526	27/9/2003	75,159/-	27/12/2016	3,00,636
		402	23/5/2007	1,00,000/-	23/5/2015	-	10.80%
		1792/32	13/1/2011	1,01,227/-	13/7/2017	2,02,454
		1793/32	23/3/2011	36,223/-	23/9/2017	72,446
		1794/32	17/3/2011	41,290/-	17/9/2017	82,580
		1795/32	23/3/2011	36,223/-	23/9/2017	72,446
3	595/2014	1096/38	4/6/2010	75,000/-	4/9/2016	1,45,989
4	729/2014	141/32	30/5/2011	35,911/-	30/11/2016	71,822
		142/32	30/5/2011	35,911/-	30/11/2016	71,822
		267/32	20/10/2010	15,000/-	20/10/2016	32,319
		268/32	20/10/2010	15,000/-	20/10/2016	32,319
		269/32	20/10/2010	15,000/-	20/10/2016	32,319
		270/32	20/10/2010	15,000/-	20/10/2016	32,319
		271/32	20/10/2010	15,000/-	20/10/2016	32,319
		272/32	20/10/2010	15,000/-	20/10/2016	32,319
		273/32	20/10/2010	15,000/-	20/10/2016	32,319
		274/32	20/10/2010	15,000/-	20/10/2016	32,319
		275/32	20/10/2010	15,000/-	20/10/2016	32,319
5	730/2014	276/32	20/10/2010	15,000/-	20/10/2016	32,319
		277/32	20/10/2010	15,000/-	20/10/2016	32,319
		278/32	20/10/2010	15,000/-	20/10/2016	32,319
		279/32	20/10/2010	15,000/-	20/10/2016	32,319
		280/32	20/10/2010	15,000/-	20/10/2016	32,319
		281/32	20/10/2010	15,000/-	20/10/2016	32,319
		282/32	20/10/2010	15,000/-	20/10/2016	32,319
		283/32	20/10/2010	15,000/-	20/10/2016	32,319
		284/32	20/10/2010	15,000/-	20/10/2016	32,319
		285/32	20/10/2010	15,000/-	20/10/2016	32,319
6	731/2014	287/32	20/10/2010	15,000/-	20/10/2016	32,319
		288/32	20/10/2010	15,000/-	20/10/2016	32,319
		289/32	20/10/2010	15,000/-	20/10/2016	32,319
		290/32	20/10/2010	15,000/-	20/10/2016	32,319
		291/32	20/10/2010	15,000/-	20/10/2016	32,319
		292/32	20/10/2010	15,000/-	20/10/2016	32,319
		293/32	20/10/2010	15,000/-	20/10/2016	32,319
		294/32	20/10/2010	15,000/-	20/10/2016	32,319
		295/32	20/10/2010	15,000/-	20/10/2016	32,319
		296/32	20/10/2010	15,000/-	20/10/2016	32,319
		297/32	20/10/2010	15,000/-	20/10/2016	32,319
		298/32	20/10/2010	5,000/-	20/10/2016	10,773
7	732/2014	246/32	20/10/2010	15,000/-	20/10/2016	32,319
		247/32	20/10/2010	15,000/-	20/10/2016	32,319
		248/32	20/10/2010	15,000/-	20/10/2016	32,319
		249/32	20/10/2010	15,000/-	20/10/2016	32,319
		250/32	20/10/2010	15,000/-	20/10/2016	32,319
		251/32	20/10/2010	15,000/-	20/10/2016	32,319
		252/32	20/10/2010	15,000/-	20/10/2016	32,319
		253/32	20/10/2010	15,000/-	20/10/2016	32,319
		254/32	20/10/2010	15,000/-	20/10/2016	32,319
		255/32	20/10/2010	15,000/-	20/10/2016	32,319
8	733/2014	139/32	30/5/2011	35,911/-	30/11/2016	71,822
		140/32	30/5/2011	35,911/-	30/11/2016	71,822
		236/32	20/10/2010	15,000/-	20/10/2016	32,319
		237/32	20/10/2010	15,000/-	20/10/2016	32,319
		238/32	20/10/2010	15,000/-	20/10/2016	32,319
		239/32	20/10/2010	15,000/-	20/10/2016	32,319
		240/32	20/10/2010	15,000/-	20/10/2016	32,319
		241/32	20/10/2010	15,000/-	20/10/2016	32,319
		242/32	20/10/2010	15,000/-	20/10/2016	32,319
		243/32	20/10/2010	15,000/-	20/10/2016	32,319
		244/32	20/10/2010	15,000/-	20/10/2016	32,319
		245/32	20/10/2010	15,000/-	20/10/2016	32,319
9	762/2014	256/32	20/10/2010	15,000/-	20/10/2016	32,319
		257/32	20/10/2010	15,000/-	20/10/2016	32,319
		258/32	20/10/2010	15,000/-	20/10/2016	32,319
		259/32	20/10/2010	15,000/-	20/10/2016	32,319
		260/32	20/10/2010	15,000/-	20/10/2016	32,319
		261/32	20/10/2010	15,000/-	20/10/2016	32,319
		262/32	20/10/2010	15,000/-	20/10/2016	32,319
		263/32	20/10/2010	15,000/-	20/10/2016	32,319
		264/32	20/10/2010	15,000/-	20/10/2016	32,319
		265/32	20/10/2010	15,000/-	20/10/2016	32,319
		266/32	20/10/2010	15,000/-	20/10/2016	32,319
10	766/2014	205/32	20/10/2010	15,000/-	20/10/2016	32,319
		206/32	20/10/2010	15,000/-	20/10/2016	32,319
		207/32	20/10/2010	15,000/-	20/10/2016	32,319
		208/32	20/10/2010	15,000/-	20/10/2016	32,319
		209/32	20/10/2010	15,000/-	20/10/2016	32,319
		210/32	20/10/2010	15,000/-	20/10/2016	32,319
		211/32	20/10/2010	15,000/-	20/10/2016	32,319
		212/32	20/10/2010	15,000/-	20/10/2016	32,319
		213/32	20/10/2010	15,000/-	20/10/2016	32,319
11	767/2014	223/32	20/10/2010	15,000/-	20/10/2016	32,319
		224/32	20/10/2010	15,000/-	20/10/2016	32,319
		225/32	20/10/2010	15,000/-	20/10/2016	32,319
		226/32	20/10/2010	15,000/-	20/10/2016	32,319
		227/32	20/10/2010	15,000/-	20/10/2016	32,319
		228/32	20/10/2010	15,000/-	20/10/2016	32,319
		229/32	20/10/2010	15,000/-	20/10/2016	32,319
		230/32	20/10/2010	15,000/-	20/10/2016	32,319
		231/32	20/10/2010	15,000/-	20/10/2016	32,319
		232/32	20/10/2010	15,000/-	20/10/2016	32,319
		233/32	20/10/2010	15,000/-	20/10/2016	32,319
		234/32	20/10/2010	15,000/-	20/10/2016	32,319
		235/32	20/10/2010	15,000/-	20/10/2016	32,319
12	768/2014	929/32	18/7/2011	15,000/-	18/7/2017	30,000
		930/32	18/7/2011	15,000/-	18/7/2017	30,000
		931/32	18/7/2011	15,000/-	18/7/2017	30,000
		932/32	18/7/2011	15,000/-	18/7/2017	30,000
		933/32	18/7/2011	15,000/-	18/7/2017	30,000
		934/32	18/7/2011	15,000/-	18/7/2017	30,000
		935/32	18/7/2011	15,000/-	18/7/2017	30,000
		936/32	18/7/2011	15,000/-	18/7/2017	30,000
		937/32	18/7/2011	15,000/-	18/7/2017	30,000
		938/32	18/7/2011	15,000/-	18/7/2017	30,000
13	769/2014	137/32	30/5/2011	35,911/-	30/11/2016	71,822
		138/32	30/5/2011	35,911/-	30/11/2016	71,822
		94/32	21/4/2011	15,000/-	21/10/2016	30,000
		95/32	21/4/2011	15,000/-	21/10/2016	30,000
		96/32	21/4/2011	15,000/-	21/10/2016	30,000
		97/32	21/4/2011	15,000/-	21/10/2016	30,000
		98/32	21/4/2011	15,000/-	21/10/2016	30,000
		99/32	21/4/2011	15,000/-	21/10/2016	30,000
		100/32	21/4/2011	15,000/-	21/10/2016	30,000
		101/32	21/4/2011	15,000/-	21/10/2016	30,000
		102/32	21/4/2011	15,000/-	21/10/2016	30,000
		103/32	21/4/2011	15,000/-	21/10/2016	30,000
		104/32	21/4/2011	15,000/-	21/10/2016	30,000
		105/32	21/4/2011	15,000/-	21/10/2016	30,000
		106/32	21/4/2011	15,000/-	21/10/2016	30,000
		107/32	21/4/2011	15,000/-	21/10/2016	30,000
14	771/2014	846/32	23/4/2011	50,000/-	23/10/2016	1,00,000
		847/32	23/4/2011	50,000/-	23/10/2016	1,00,000

 

         

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

The Opponents shown in the cause title are hereby jointly and severely directed and liable to pay to the complainant/s the F.D.Rs. amount deposited under column No.5 shown in Annexure-B of the table after deducting 3% P.A. from the agreed rate of interest on the F.D.Rs. from the dates mentioned in column No.4 respectively till realization of entire amount.

          The Opponents shown in the cause title are hereby jointly and severely directed and liable to pay to the complainant/s sum of Rs. 5,000/- each toward costs of the proceedings to the complainant/s.

         The Order shall be complied within 30 days from the date of the order.

         If the order is not complied within stipulated period, opponents are hereby directed to pay a Rs.50/- each per day to the complainant/s from the date of disobedience of order, till the order is complied.

The original order shall be kept in complaint No.591/2014 and the true copy in other clubbed cases.

         (Order dictated, corrected and then pronounced in the open Forum on this 25^th day of May 2016)

Member            Member                     President

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