For deficiency in service
ERODE: Erode District Consumer Disputes Redressal Forum has pulled up a primary agriculture cooperative bank (PACB) for deficiency in service
It ordered the Vazhaithottam PACB in Kodumudi to repay Rs. 1 lakh to complainant K.Thangamuthu and also compensate his mental agony with Rs. 2,000. The Forum also levied Rs. 2,000 towards cost of complaint.
The case has to do with Mr. Thangamuthu, a farmer from Murungaiyampalayam village and a Bank member in getting two agriculture loans.
Mr. Thangamuthu got the first loan of Rs. 10,000 on March 6, 2006, towards agriculture expenses.
He again got another loan of Rs. 1 lakh by pledging jewellery.
The PACB, consequent upon a State Government order on agriculture loan waiver, waived only his Rs. 10,000 loan and refused to waive the Rs. 1 lakh loan saying it was not an agriculture loan.
It had also asked him to repay the amount, which he did. Petitioner Mr. Thangamuthu’s complaint was against the PACB’s deficiency in service.
In response to the petitioner’s complaint, the PACB officials, represented by second respondent Secretary and third respondent Special Officer, contended that the Government Order had clearly said that the wavier was applicable to loans availed only for agriculture purposes and not otherwise.
They also argued that the petitioner’s loan was a non-agriculture jewel loan, not eligible for waiver. And, if the petitioner had any grievance he could approach the State Government.
Hearing the arguments and perusing the arguments advanced by both the sides, the Forum with A. Noor Ahmed as president and K. Annapoorani and U.C. Duraichandran as members observed that the PACB authorities had not followed the procedural diligence to distinguish the two loans.
They also said that the PACB authorities had not submitted any evidence to show that they had lent for non-agriculture purposes.
Given the circumstances, “We are of the opinion that the complainant has got the loans only for agriculture purposes.”