West Bengal

Siliguri

69/S/2013

SRI SANTANU CHANDA, - Complainant(s)

Versus

STATE BANK OF INDIA, - Opp.Party(s)

17 Sep 2015

ORDER

IN THE COURT OF THE LD. DISTRICT CONSUMER DISPUTES REDRESSAL FORUM AT S I L I G U R I.

CONSUMER CASE NO. : 69/S/2013.                 DATED : 16.09.2015.                 

BEFORE  PRESIDENT              : SRI BISWANATH DE,

                                                              President, D.C.D.R.F., Siliguri.

 

 

                      MEMBERS              : SMT. PRATITI  BHATTACHARJEE.

                                                             

            COMPLAINANT                  : SRI  SANTANU CHANDA,

                                                              S/O Ramendra Kishore Chanda,

                                                              aged about 25 years, Hindu by faith,

                                                              Business by occupation, residing at

                                                              Vill.- Saratnagar, P.S.- Matigara,

                                                              P.O.- New Rangia, Dist.- Darjeeling.

                                                              Pin : 734 013.

                                                                

                                                        

         O.Ps.  :             1.             : STATE BANK OF INDIA, 

                                                              a body corporate, formed and constituted under

                                                              the State Bank of India Act, 1955 having its

                                                              Central Office at Mumbai, and its Branch

                                                                    Offices amongst other places one at North Bengal

                                                              University Campus known as “North Bengal

                                                                  University Campus Branch”, P.O.- North Bengal

                                                              University, P.S. – Matigara, Dist.- Darjeeling,

                                                              Pin : 734 013.

 

2.                     : BRANCH MANAGER,

            State Bank of India, 

                                                 North Bengal University Campus Branch,

                                                         P.O.- North Bengal University, P.S. – Matigara,

                              Dist.- Darjeeling, Pin : 734 013.

                                   

                                                                                                                                                                          

FOR THE COMPLAINANT         : Sri Avrojyoti Das, Advocate.

FOR THE OPs                                  : Sri Prabir Kumar Sikdar, Advocate.

 

J U D G E M E N T

Mr. Biswanth De, Hon’ble President      

The complainant’s case is that on 20.04.2013 he visited an ATM counter of the OP No 1 to withdraw Rs.15,000/-.  He inserted ATM card but did not have the same. He then came to another ATM.  The ATM screen show “unable to proceed”. On that day complainant was in urgent need of money but did not have the same.

 

Contd......P/2

-:2:-

 

 

Later he got ATM statement wherein it was reflected that Rs.                   15,000/- have been debited in his account.  No transaction was done by the complainant on 20.04.2013.  Thereafter complainant informed the OP No.1 regarding the problem, but nothing has been done.  Hence, this allegation before this Forum praying for compensation and other prayer.

After getting summons the OPs appeared and filed W/V denying inter-alia all the material allegations and asserted positive version, that OPs collected E.J. report which revealed that the complainant has withdrawn Rs.15000/- by inserting ATM card on 20.04.2013 at 13.5 hrs under Txn No.3777 and that operation of ATM card was successful transaction as per bank’s norms. After collecting the money complainant left the ATM at that sated Place. The Ops are not liable to pay the said money. The allegation is without any basis. As such case is not maintainable.

Points for determinations

 

1.       Whether the complainant has withdrawn money amounting         Rs. 15000/- from bank or not?

2.       If so, what can be awarded to complainant?

 

The complainant filed some documents

Copy of account statement given by OP.

Copy of slip given by ATM.

The OPs filed the following documents

Video footage in connection with the transaction of the complainant dated 20.04.2013 under Txn No.3777.

Complainant filed evidence in chief. The OP bank filed evidence in chief. Those statement are allegation and counter allegation of the parties although complainant did not file evidence in chief on affidavit, save and except complainant no other persons have come forward to prove the facts showing allegation of complainant statement of accounts shown by the complainant and issued by bank authorities itself confirm that complainant withdrawn the aforesaid sum of money.  It is argued by the

 

Contd......P/3

-:3:-

 

 

OP’s ld advocate that without having Pin Number, it is not possible to divest money from an account to another or money can’t be withdrawn by any other person save and except the complainant.

The nature of such cases before us is summary in nature yet the complainant can’t get rid of the burden of proof the case by adducing reliable and cogent. It is not proved by the complainant that he inserted the card but same had been refused by the OPs/bank, or any other person has taken the money from the ATM. It is not possible for anyone to take money without knowing Pin Number.

The evidence is insufficient to prove the case.

After considering complainant objection therein and arguments of both sides.  We are of opinion that complainant fails to prove this case as such the complaint is dismissed on contest.

Accordingly, it is

                           O R D E R E D

that the Consumer Case No.69/S/2013 is dismissed on contest.

Let copies of this judgment be supplied to the parties free of cost.  

 

 

-Member-                                                            -President-