RAM SARAN Vs. ALLAHABAD BANK

JUDGEMENT

(1.) PETITIONER was the complainant before the District Forum, where he had filed a complaint alleging deficiency in service on the part of the respondent Bank.

(2.) VERY briefly the facts of the case are that the petitioner complainant had taken a loan for purchase of a Tractor, from the respondent Bank, which later on met with an accident and the claim Tribunal passed an order directing the petitioner to pay Rs. 15,000 to the third party. It is the case of the complainant that the Insurance cover had expired on 19.5.98 and it was the responsibility of the Bank to renew the Insurance cover, not having done is a clear case of deficiency in service. It is in these circumstances, a complaint was filed before the District Forum, claiming an amount of Rs. 3,00,000 alongwith interest. The District Forum after hearing both the parties directed the respondent Bank to pay a sum of Rs.15,000 alongwith interest @ 7% p.a. and cost of Rs. 1,000. Aggrieved by this order, an appeal was filed before the State Commission, who dismissed the complaint on the ground that as per the terms of the loan sanctioning agreement, it was the duty of the petitioner to take the Insurance cover, only in case he failed to do so the Bank was free to take the Insurance cover. Aggrieved by this order this revision petition has been filed before us.

(3.) WE heard the petitioner in person.