KIRAN SURI Vs. STATE BANK OF PATIALA

JUDGEMENT

(1.) -THIS appeal has been directed by the complainant against order dated 31. 7. 2007 passed by Consumer Disputes Redressal Forum-I, U. T. Chandigarh (hereinafter to be referred as District Consumer Forum), vide which her complaint was dismissed as meritless.

(2.) BRIEFLY stated the facts are that appellant (complainant) Smt. Kiran Kalra had deposited a sum of Rs. 70,000 in the year 2000 with the State Bank of Patiala, Dadu Majra, U. T. Chandigarh in the shape of FDR and interest accrued thereon was received by her on monthly basis. The re-payment of this FDR was to take place on 17. 4. 2002. It was again got renewed with maturity date as 17. 10. 2004 on which date respondent was to pay Rs. 81,588. The copy of the FDR is Annexure C-1.

(3.) IT was next averred that the appellant presented the FDR for encashment to the respondent on 18. 11. 2004 and requested that the said amount be credited into her saving bank account No. 5404 but the respondent refused to do so. Later on appellant wrote letter to the respondent dated 18. 11. 2004 to detail the reason for not honouring the commitment but respondent replied that since, she stood as guarantor in one loan case of Smt. Tejinder Kaur and the said account had become NPA and as such the amount had not been paid. A copy of the letter is Annexure C-2.