Mr. Justice M.S. Parikh, President—This appeal arises from order dated 31st March, 1997 rendered by the learned Surat District Consumer Disputes Redressal Forum in Consumer Disputes Redressal Petition No. 107/1995. Impugned order reads as under :

“The opponent No. 1-Bank is hereby ordered to pay Rs. 7,000/- to the applicant together with interest at the rate of 18 per cent per annum from 18.5.1992 till its realization and also Rs. 1,000/- as an additional compensation by way of costs of the proceedings, mental agony, inconvenience, harassment, hardships, etc.”

2. It was the complainant’s case that she applied for 700 units of Master Gain-1992 from the original opponent No. 2 on whose behalf the opponent No. 1, Bank of Baroda acted as the banker for rendition of the banking service to the consumer. The complainants presented the application on 18.5.1992 with the opponent No. 1 Bank. She also paid Rs. 7,000/- in cash for purchasing 700 units of Master Gain-1992. The amount was accepted by the employee of opponent No. 1 Bank. Inspite of such facts the complainant did not receive unit certificate or the refund order. On 22.4.1993 the complainant approached the Manager of the opponen