ICICI BANK LTD Vs. RAVINDRA KUMAR SHARMA

JUDGEMENT

(1.) The complainant who is the petitioner in RP/2077/2018 and respondent in RP/1357/2018 had a savings bank account with ICICI Bank Ltd., which is petitioner in RP/1357/2018 and respondent in RP/2077/2018. On 23.4.2014, a debit of Rs.22,466/- was made in his savings bank account, as a result of which the balance in the said account became NIL. A cheque, which the complainant had issued on 05.6.2014 came to be dishonoured for want of funds in his savings bank account. Being aggrieved, the complainant approached the concerned District Forum by way of a consumer complaint, seeking refund of the aforesaid amount along with interest and compensation etc.

(2.) The complaint was resisted by the Bank, primarily on the ground that the complainant is an ex-employee of ICICI Bank Ltd. and a sum of Rs.62,500/- was credited in his saving bank account on 18.9.2013, towards salary of the notice period before terminating his service. On the same day, a sum of Rs.70,902/- was credited in his account in full and final settlement of his dues. Thereafter, a sum of Rs.62,386/- was credited in his account towards full and final settlement of his dues but this was done, without adjusting the amount of Rs.62,500/- which the bank had already credited in his account on 18.9.2013. On noticing the same, the bank debited the amount available in the saving bank account of the complainant.

(3.) The District Forum having dismissed the consumer complaint, the complainant approached the concerned State Commission by way of an appeal. Vide impugned order dated 06.3.2018 the State Commission allowed the appeal by directing the Bank to pay Rs.10,000/- as compensation to the complainant along with the cost quantified at Rs.5,000/-. The aforesaid amount was to carry interest @ 9% per annum if the order was not complied within one month. Since both the parties are aggrieved from the order passed by the State Commission, both of them are before this Commission.