Dated 24/11/2022

The case is taken up for passing ex-parte judgment.

The brief facts of the case is that the complainant purchased two certificates from the opposite parties bearing no. 605002092516 [Ex. 1(a)] and 605002092517 [Ex. 1] and deposited Rs. 1,44126/- and Rs. 26216/- respectively with maturity value of Rs. 221378 and Rs. 40,268/- and the date of maturity being 27 June, 2019 for the both the certificates.

On maturity of the above certificates, the complainant requested the opposite parties for making payment of the maturity value of the fixed deposit certificates but to no effect. Being aggrieved thereby the instant consumer complaint have been filed.

Perused the fixed deposit certificates marked Ex. 1 and Ex. 1(a).

The complainant is in custody of the original fixed deposit certificates Ex. 1 and Ex. 1(a). She has not submitted any document to prove that she had submitted the original certificates before the opposite parties for encashment of the maturity amount. From paragraph 5 of evidence-in-chief of the complainant it appears that the complainant demanded the maturity amount from the opposite parties by serving letter dated 16.08.2019. No such documentary evidence has been submitted, in proof of demand of refund of maturity amount of the certificates.

In view of the above, discussion it is crystal clear that the complainant  has failed to prove that she ever demanded the maturity amount of both certificates (Ex. 1 and Ex. 1(a) from the opposite parties or there is any refusal by the opposite parties. So, there is no cause of action to file the case against the opposite parties.  

Hence, it is

O R D E R E D

that the complaint case be and the same is dismissed ex-parte against all the opposite parties without cost.