GURVINDER SINGH Vs. PUNJAB NATIONAL BANK

JUDGEMENT

(1.) -THIS is an appeal filed by Gurvinder Singh ('complainant' before the District Forum) against the order of the learned District Consumer Disputes Redressal Forum, Ropar (hereinafter referred to as the 'district Forum') dated 18. 10. 2002 for enhancement of compensation.

(2.) BRIEF facts of the case are that Gurvinder Singh applied for loan of Rs. 1 lac to Respondent/o. P. No. 1 (hereinafter referred to as 'op. No. 1') and they sanctioned loan of Rs. 65,000 for running his shop. OP No. 1 gave only Rs. 50,000 from which Rs. 2,500 was deducted as security and complainant also deposited some instalments. It was alleged that fire was broken in his shop and DDR No. 27 dated 28. 10. 2000 was lodged in this regard. Opposite parties were also informed. He also submitted relevant document and photographs of burnt shop but alleged that no compensation had been given in fact his shop was insured with O. P. No. 2 vide Policy No. 588106 dated 14. 12. 1999. It was prayed that he suffered a loss to the tune of Rs. one lac.

(3.) ON notice, O. P. No. 1 filed its reply and admitted the fact of loan. It was stated that O. P. No. 2 was paid Rs. 12,297 to the complainant, which was credited in his account maintained by them. It is further stated that contract of insurance was between O. P. No. 2 and complainant only. O. P. No. 2 filed its reply and stated that they paid Rs. 12,297 to the complainant as proposed by the Surveyor.