West Bengal

Dakshin Dinajpur

CC/11/2021

Smt. Chhanda Majumdar Ghosh, W/O- Parimal Ghosh - Complainant(s)

Versus

Th Sector Manager, Sahara India Pariwar, Balurghat Sector - Opp.Party(s)

Pintu Sarkar

21 Apr 2022

ORDER

The brief facts of the complaint case is that the complainant is an investor of Sahara India Pariwar under Balurghat Sector code no 6038, Dakshin Dinajpur. The complainant invested the total amount of Rs 10,000/- in the policy under the scheme of “Sahara E Shine” of Sahara Credit Co-Operative Society Ltd.  on 14.05.2012  for a period of 96 months against which the opposite party issued a certificate and the maturity date of the above investment was on 14.05.2020 and the maturity amount was Rs 26,120/-( rupees twenty six thousand one hundred & twenty only).  After the date of maturity of the above said investment, the O.P. paid Rs. 10,000/- to the complainant on 20.11.2020 by cheque and promised that the rest amount will be paid within one month. The O.P. did not pay the rest amount within the time which he had promised. Thereafter the complainant went to the office of the O.P. several times and submits her prayer for withdrawal of the rest maturity amount. But the office of the O.P. refused to give the receive copy. Thereafter the complainant send her prayer for claim of the rest maturity amount to the O.P. through the registered post, vide postal receipt no. RW906935465IN ON 20/01/2021.  In different occasions the complainant went to the office of the O.P. for getting her rest maturity amount of the aforesaid investment. But in every occasion the O.P. took a new plea.  Till today the O.P. did not pay the rest maturity amount (Rs. 16,120/-) to the complainant. Finding no other alternatives the complainant files this instant case against the O.P. u/s 35 of C.P.Act,2019 claiming the rest maturity amount of Rs 16,120/- along with interest and benefits as per the terms & conditions laid down in the scheme of “Sahara E Shine”, compensation of Rs 10,000/- for mental pain & agony.   

            Notice was issued upon the O.P. and the O.P. entered appearance and contested the case by filing a written version wherein the material averments made in the complaint are denied and it has been contended inter alia that the instant case is not maintainable. It has been submitted by the O.P. that due to some litigation pending with SEBI and the Apex Court regarding the financial transaction of the O.P. group imposed embargo on the movable immovable properties due to which the payment has remained stopped and the O.P. crave leave of this Commission and prays for dismissal of the instant case.  

             In this case complainant has submitted examination in chief supported by affidavit together with original copy of the Certificate by firisti: -

Sl No.	Certificate No.	Date	Amount	Maturity value
1.	351003310799	14.05.2012	Rs.10,000/-	Rs.26,120/-

 

2.Letter to sector manager of sahara dt 20.01.2021

3.postal receipt vide no. RW906935465.

4.Track Consignment report.

           O.P. had also submitted examination in chief of OPW-1 Joy Dutta Gupta by way of affidavit but no document is submitted on the side of the O.P.     

                      Points for discussion:

 

1. Is the complainant a consumer to the opposite party?
2. Is there any deficiency in service on the part of the opposite party?
3. Is the complainant entitled to get any relief/reliefs as prayed for?

 

                        DECISION  WITH  REASONS

Point No.1: This is admitted that complainant invested a total sum of Rs.10,000 /- (Ten thousand only) under  the scheme of “Sahara E Shine” of  Sahara Credit Co-Operative Society Ltd. of the opposite party, So, there is no hesitation to hold that the complainant is a consumer within the meaning under section 2 of Consumer Protection Act 2019.

 Point No.2 & 3: These two issues are taken up together for discussion for the sake of convenience and brevity. This is admitted fact that the complainant had invested total amount of Rs. 10,000/- (Ten thousand only) under the scheme of “Sahara E Shine” of Sahara Credit Co-Operative Society Ltd of opposite party on 14.05.2012 for a period of 96 months against which the opposite party duly issued a certificate to the complainant. This is also admitted fact that the maturity period of 96 months was already over on 14.05.2020. This is also admitted fact that the O.P. has paid Rs.10,000/- to the complainant on 20.11.2020 after the maturity. This is also not disputed that the complainant has not yet received the rest maturity amount (Rs.16,120/-)  from the O.P. against the aforesaid investment.

We have looked into the complaint, the written version of the O.P. and evidence filed by the parties minutely. All these reveal that the complainant is a bona-fide consumer of the O.P. and he is entitled to get rest maturity amount of Rs 16,120/- (sixteen thousand one hundred& twenty only) together with interest as per terms and condition of the aforesaid scheme but the O.P. had violated the terms and conditions and there is no denial of the fact about lack of responsibility in discharging his duty on the part of the O.P. and their lies deficiency in service on the part of the O.P.

Accordingly all the points are decided in favour of the complainant against the O.P. Thus all the points are disposed of.

   Hence, it is

                                                          O R D E R E D

             That the Consumer complaint Case No.11/2021 is allowed on contest in part without cost against the opposite party. The opposite party is directed to pay a sum of Rs16,120/- (sixteen thousand one hundred & twenty only) as rest maturity value of the invested amount together with interest @ 8% p.a. from the date of maturity till realization by issuing an account payee cheque in favour of the complainant within 45 days from the date of passing this order. The O.P. is further directed to pay a sum of Rs. 5,000/- towards compensation for mental pain & agony in default complainant has liberty to execute the order as per law.  

            Let a plain copy of this order be furnished to the parties forthwith free of cost.