ORDER :

1. We have heard learned counsel for the parties.

2. The appellant had obtained two FDRs for Rs. 1,00,000/- (Rupees one lakh only) each on 24th February, 1996. Thereafter, he also obtained another FDR on 8th March, 1996 for an amount of Rs. 2,00,000/- (Rupees two lakhs only). The first set of FDRs obtained by the appellant on 24th February, 1996 were renewed by the respondent-Bank on 10th April, 1996 and on 7th June, 1996.

3. When the appellant went to encash two FDRs that were originally issued on 24th February, 1996 as well as the FDR issued on 8th March, 1996, the respondent-Bank refused to encash the second FDR for Rs. 2,00,000/- (Rupees two lakhs only) on the ground that it was issued to the appellant without any consideration. There is no dispute with regard to the encashment of the first set of two FDRs issued originally to the appellant on 24th February, 1996.

4. The complainant preferred a complaint before the District Consumer Forum with regard to the failure of the respondent-Bank to encash the FDR for Rs. 2,00,000/- (Rupees two lakhs only) issued on 8th March, 1996. On a consideration of the material placed before the District Consumer Forum as well as the evidence