ARUN BHATIYA Vs. HDFC BANK

JUDGEMENT

(1.) Leave granted.

(2.) The appeals arise from two orders of the National Consumer Disputes Redressal Commission("NCDRC"), namely, (i) an order dtd. 7/5/2019 by which the NCDRC dismissed the appeal as withdrawn with liberty to approach the appropriate forum on the request of the counsel for the appellant; and (ii) an order dtd. 25/7/2019 of the NCDRC dismissing the application for review.

(3.) The appellant instituted a consumer complaint before the State Consumer Disputes Redressal Commission("SCDRC") at Lucknow. The case of the appellant was that he and his father, the fourth respondent, opened a joint Fixed Deposit("FD") account on 7/1/2016, at the Agra Branch of the first respondent("Respondent bank"). The FD was in the amount of INR 75 lakhs for a period of 145 days, interest being payable at the rate of 7.5% per annum. The amount of the FD on maturity was INR 77 lakhs. According to the appellant, on 31/5/2016, the appellant and his father jointly gave written instructions to the respondent bank to renew the joint FD for ten days, while retaining the joint mode of operation.