Orissa

Rayagada

CC/22/2018

Santosh Kumar Panda - Complainant(s)

Versus

The Branch Manager, Sahara Credit Co-operive Society Ltd., - Opp.Party(s)

Self

26 Mar 2019

ORDER

DISTRICT   CONSUMER  DISPUTES REDRESSAL    FORUM, RAYAGADA,

STATE:  ODISHA.

C.C. Case  No.  22/ 2018.                                              Date.    19    .     3  . 2019

P R E S E N T .

Dr. Aswini  Kumar Mohapatra,                       President.

Sri   Gadadhara  Sahu,                                          Member.

Smt. Padmalaya  Mishra,                                     Member.

 

Sri Santosh Kumar Panda, New Colony , Kapilash  Road  Po/Dist: Rayagada, State:Odisha, Pin No. 765 001,  Cell No.9437448100                                                                                                                                                                                                                                              …..Complainant.

Versus.

The Branch  Manager, Sahara  Credit  Co-operative Society  Ltd.,  Branch Office, At/Po: Buguda,  Opposite block office , Dist: Ganjam  (Odisha).                  …Opposite  party.

Counsel for the parties:                         

For the complainant: - Self.

For the O.Ps:- Set  exparte

JUDGEMENT

The  curx of the case is that  the above named complainant alleging deficiency in service  against  afore mentioned O.Ps    for  non payament of  maturity amount towards Q –shop Certificate Nos. 562017870880 and Certificate No. 562017840684      for which  the complainant  sought for redressal of the grievances raised by the complainant.  The brief facts of the case are  summarized here under.

That the complainant is a  Maternal Grand mother  of late  Satyabhama Panda.   She was  died on  Dt. 10.12.2015. She was  a  “Q” shop goods (Exist)plan-H Scheme  holder vide Certificate No. 562017870880 and Certificate No. 562017840684  deposited on Dt.12.5.2012 and Dt. 15.5.2012 respectively and deposited an  amount of Rs. 14,200/- + Rs.14,200/-(i.e. in total  Rs.28,400/- ). The complainant is a   nominee under the above scheme. In the said scheme  relation with the account holder Satyabhama Panda  was wrongly mentioned as Nephew instead of Grand son so the complainant has    filed affidavit and submitted to the O.Ps office.  After death  of scheme holder nominee i.e. the complainant  approached the  O.P. for payment of maturity amount.  All the papers  were submitted before the O.P.  But till date the O.Ps are not given the maturity amount to the nominee  i.e. complainant. Hence this case before the  Dist. Consumer Forum, for redressal  of his grievance. The  complainant  prays the forum direct  the  O.P. to pay maturity amounts  over the said certificate Nos. 562017870880 and Certificate No. 562017840684    with up-to-date   usual   interest  till realization and allow such other relief as the  forum deems fit and proper for the best interest of justice.

Upon  Notice, the O.Ps neither entering in to appear before the forum nor filed their  written version inspite of more than  10 adjournments has been given  to them. Complainant consequently filed his memo and prayer to set exparte of the O.Ps.  Observing lapses of around 1(One) year  for which the objectives  of the legislature of the C.P. Act going to be destroyed to the prejudice of the interest of the complainant.  Hence after hearing  the  counsel for the complainant set the case  exparte against the O.Ps. The action of the O.Ps is against the principles of  natural justice as envisaged  under section  13(2) (b)(ii) of the Act. Hence the O.Ps. set exparte  as the statutory period  for filing of  written version was over to close the case with in the time frame permitted by the C.P. Act.

We therefore constrained to  proceed to dispose of the case, on its merit.  Heard from the complainant.   We perused the complaint petition and the document filed by the complainant.

                                        Findings.

From the  documents filed by the complainant it reveals that  Smt. Satyabhama Panda   was  a  “Q” shop goods (Exist)plan-H Scheme  holder vide Certificate No. 562017870880 and Certificate No. 562017840684  deposited on Dt.12.5.2012 and Dt. 15.5.2012 respectively and deposited an  amount of Rs. 14,200/- + Rs.14,200/-(i.e. in total  Rs.28,400/- )( copies of the certificates are in the file which are marked as Annexure-I and  2). Smt. Satyabhama  Panda  died   on  Dt. 10.12.2015(copies of the  death certificate is in the file which is marked as Annexure-3).  The complainant is a   nominee under the above scheme. In the said scheme  relation with the account holder Satyabhama Panda  was wrongly mentioned as Nephew instead of Grand son so the complainant has    filed affidavit and submitted to the O.Ps office (copies of the affidavit is in the file  marked as Annexure-4).

Thus, it is clear that Late Satyabhama Panda  had  paid amounts  to the OPs. After ,maturity    the complainant had  made several request  to the O.P. to  repay the said maturity  amount, but the opposite parties kept silent. Moreover, there is no denial by the opposite parties  regarding the deposits made by the complainants. As per the document  it is clear that the opposite parties collected so much amount not only from the complainants  Grand  Mother but also from the public and these acts of the opposite parties clearly shows their attitude and deficiency in service, hence, the opposite parties have to refunded maturity amounts to the complainant.

        The complainants Grand mother with a  hope invested  amount with the opposite parties, but because of the acts of the opposite parties, the complainant deprived of to get back his matured amounts and  they have  moved  around the offices of the opposite parties and because of the acts of the opposite parties, they have  suffered financially and mentally.

A preliminary study of the nature of the complaint  reveals that it is a case of breach of contract. As per the contract between the parties, the O.Ps in the instant case promised  to return the deposited amount to the  complainant  with a specified  rate of  interest when the  account matured, when   they  have  failed   to fulfill their obligations it tends to breach  of   contract.  Therefore a breach of contract  it self  may result in deficiency in service.  The  Consumer   Protection   Act, 1986  provides for a special remedy for  such grievances and for awarding compensation to the  aggrieved persons.   Their callousness in fulfilling their  deficiency in service to the  complainant  undoubtedly  tells of their deficiency  in service   to the complainant.

Any person who provides financial service of the kind in question is liable to compensate or refund the amount received by it in terms of the agreement or the  contract as he is guilty of unfair trade practice as well as  Deficiency  in service.

In terms of Section-14 of the C.P.Act, 1986 the O.P. is liable to compensate the consumer as  to the loss or injury suffered by him on account of  its negligence or on account of unfair trade practice.

            To meet the ends of justice  the following order is passed.

                                              

                                        ORDER.

        In  resultant, the complaint stands allowed in part, on exparte against the O.Ps.

        The O.Ps ordered  to pay maturity amounts  over the said certificate Nos. 562017870880 and Certificate No. 562017840684    with accrued   interest.  Parties are left to  bear  their  own cost.

        The above order is to be complied within   30 days  from the date of receipt of this order. Service the copies of the order to the parties free of cost.

Dictated and corrected  by me.

 Pronounced in the open Forum today on this    19^th.      day  of  March,  2019 .

 

Member                               Member.                                                   President