Ld. Advocate(s)

                                    For Complainant: Suvankar  Bhattacharya

                                    For OP/OPs : None

            Date of filing of the case                       :06.09.2018

            Date of Disposal  of the case               :29.04.2024

Final Order / Judgment dtd.29.04.2024

 The basic fact of the case of the complainant is that the complainant Jayanta Dutta is a bonafide customer of OP United Bank of India  having  Branch  at Dhubulia. The complainant took a loan  for Rs.9,95,000/- under a separate  account no.CC-0528250036722 in 2013. The said  loan was disbursed  after creating  a lien  through a term deposit being receipt number CSP/D-0143022, account no.0528100426657 in Rs.5,00,000/- in the name Gita Rani Dutta since diseased and Jayanta Dutta  in UBI, Dhubulia dated 29.12.2011. The said TDR was issued for 36 months  that is an interest rate of 10.10%, maturity  value was Rs. 6,74,415/- on 29.12.2014 but the OP No.1 did not pay the said amount. However,  OP No.1 paid only Rs.6,71,147.72. As per the terms  of RBI guidelines  the OP bank is bound  to pay the said money . There was a gross negligence  and deficiency in service of the OP. The subsequent, term deposit  receipt  which was  issued by OP No.1 on 26.08.2015 and as per law the maturity of the  said term deposit is 26.08.2018 but it is found that the said term deposit receipt was  closed by OP NO.1 on 22.09.2017 without any  information to the complainant. From the transaction  it is found that the total  closure  proceed  is Rs.7,84,124/- but the complainant  never  withdrawn  any amount of Rs.11,171/- as per  transaction  enquiry. Thereafter, the amount of Rs.7,72,953/- was shown and there has been  no reason regarding  the said closure. The complainant  requested  to the OP to close  the loan  account after deducting  from the said F.D vide application  on 31.03.2017, 29.12.2017 and 14.02.2018 but the OP did not  take any  initiative. The bank authority  deposited Rs.7,55,137.58 in the account  on 24.05.2018. The Mother of the complainant  is expired  on 23.03.2018, so, the OP has caused irregularity and illegality  which amounts to  deficiency in service  and the complainant  suffered  mental pain due to unfair trade practice. The complainant  prayed for an award  directing  the OP to  pay Rs.3,267/- along with  interest @10.10% from 29.12.2014 to 26.08.2015 and Rs.1,11,171.70 which was  shown as withdrawn  with a direction  to close the account no.CC-0528250036722 after adjusting  the amount from the  term deposit, Rs.1,00,000/- towards harassment and deficiency in service and Rs.50,000/- towards litigation cost.

The complainant  in order to  substantiate the case adduced  oral evidence  in the form of affidavit in chief and documentary evidence.

The complainant  proved the following  documents  in course of evidence:-

Annexure-A is the copy of TDR dated 29.12.2011 for Rs.6,74,415/- for 36 months  of UBI.

Annexure-B is the  death certificate of Gita Rani Dutta.

Annexure-C is the  statement of account of Gita Rani Dutta showing balance  in the account  for a sum of Rs.7,72,953/-.

Annexure-D is the  statement of account showing  balance  of transaction  enquiry as on 27.12.2013 for a balance of Rs.10,15,052/-.

Annexure-E is the  letter to the  Branch Manager  of UBI Dhubulia  Branch  by the complainant Jayanta Dutta.

Annexure –F is the  another letter by the complainant to the OP UBI Bank  dated 29.12.2017.

Annexure-G is the another letter  to the OP Branch UBI by the Gita Rani Dutta.

Annexure-H is the  statement of account  dated 29.12.2011 showing  zero balance.

Annexure-I is the notice of Advocate  dated 14.03.2018.

After perusing  the case record  it transpires  that as per order no. 42 dated 18.03.2024 the case has been decided to be heard ex-parte  against the OPs.

The complainant categorically  stated in evidence  that OP No.1 did not  deposit  interest  in the said term deposit  from 29.12.2014 to 26.08.2015.

The OP NO.1 failed to discard  the specific evidence of complaint since it was heard ex-parte .

The complainant  further stated  in evidence  that the OP Bank  arbitrarily  closed the said term deposit  on 22.09.2017 without any information to the complainant  and shown  the closure  proceeds  for Rs.7,72,953/-.

This part of evidence stand  unchallenged.

The complainant  also issued  several letters  to the OPs  but the latter did not reply  to the same.

The complainant  further proved  that he served  advocate’s notice  for redressal  of his grievance .

The complainant  as legal heir  filed the present case  on behalf of his mother Gita Rani Dutta in whose name  original  Fixed Deposite  was lying . It is further alleged that the said  Gita Rani Dutta  died with anxiety  due to unnecessary  harassment  of the OPs. The OPs could not discard the said allegation  that mother  of the complainant  died due to harassment  caused by the OPs  and the mental agony suffered.

Having assessed  the unchallenged  and undiscarded  oral and documentary evidence  of the complainant  the Commission  is of the view  that the complainant  successfully proved the case  against the OPs.

Consequently, the complaint case succeeds  ex-parte against the OPs  with cost.

Hence,

                              It is

Ordered

that the complaint case no.CC/143/2018 be and the same is allowed ex-parte against the OPs with cost of Rs.5,000/- (Rupees five thousand). The complainant Jayanta Dutta (Banerjee) do get an award  for a sum of Rs.14,439.16 (Rupees fourteen thousand four hundred thirty nine and sixteen paisa) towards outstanding to the  complainant, Rs.10,000/- (Rupees ten thousand) towards harassment and deficiency in service and Rs.5,000/- (Rupees five thousand) litigation cost. The OPs are directed to pay Rs.29,439.16 (Rupees twenty nine thousand four hundred thirty nine and sixteen paisa) to the complainant  within 30 days from the date of passing the final order  failing which  the entire award money shall carry an interest @12% p.a. The OPs are further directed  to take proper steps  in respect of account no. CC-0528250036722 after  considering  the TDR no.CSP/D-0143022 of account no.0528100426657 as per  the Banking  Rules and Regulations of the OP Bank and RBI guidelines within one month  from the date of passing the final order.

All Interim Applications  (I.A) stand disposed of  accordingly.

D.A to note in the trial register.

The case is accordingly disposed of.

Let a copy of this final order be supplied to both the parties at free of costs.                        

Dictated & corrected by me

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                PRESIDENT

(Shri   HARADHAN MUKHOPADHYAY,)                                ................ ..........................................

                                                                                                                          PRESIDENT

                                                                                              (Shri   HARADHAN MUKHOPADHYAY,)

I  concur,

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          MEMBER                                                                    

(  SHRI NIROD  BARAN   ROY  CHOWDHURY)