KRISHAN KUMAR BATRA Vs. PUNJAB NATIONAL BANK

JUDGEMENT

(1.) Revision petition no. 806 of 2013 has been filed against the order dated 17.01.2013 of the Punjab State Consumer Disputes Redressal Commission, Chandigarh ('the State Commission') in First Appeal no. 163 of 2012. The brief facts of the case are that the petitioner/ complainant was an employee of Punjab National Bank (PNB) and he remained posted at Lawrence Road Branch, Amritsar of the aforesaid Bank. Smt Madhu Batra wife of the petitioner was also an employee of PNB and the petitioner and his wife had jointly obtained a housing loan of Rs.6,00,000/- from their employer, i.e., PNB which was repayable in equal monthly instalment of Rs.5850/- per month.

(2.) The respondent Bank started deducting monthly instalments from the salary of the petitioner. However, due to certain disputes between the petitioner and the employer, the enquiry of which is pending, the bank officials stopped the salary of the petitioner and due to this reason, the housing loan instalments was also stopped.

(3.) Since the very inception of the petitioner in the service of the Bank, provident fund was being deducted from the salary of the petitioner and the petitioner has the right to get regular statements from the bank to know about the amount outstanding to his credit on amount of provident fund. The petitioner on 24.02.2007 demanded statement of account of provident fund from the bank but it was not provided to him and it was on the direction of Central Information Commissioner that the respondent Bank provided the statement of account in respect of provident fund to the petitioner on 04.07.2009 and to his utter surprise, the petitioner found from the statement of account came to know that the amount of Rs.5,81,334.74 has already been paid by the petitioner and that the respondent has illegally and unlawfully deducted Rs.5,81,334.74 from the provident fund account of the petitioner despite the fact that the petitioner has not withdrawn even a single penny from his provident fund account.