Mr. Justice Lokeshwar Prasad, President—The present appeal filed by the appellant under Section 15 of the Consumer Protection Act, 1986 (hereinafter referred to as ‘the Act’) is directed against order dated 20.11.2002 passed by District Forum), Kasturba Gandhi Marg, New Delhi in Complaint Case No. OC/2208/1999-entitled Smt. Poonam Kumari v. The Director General of Department of Post of India & Anr.

2. The facts relevant for the disposal of the present appeal briefly stated are that the respondent Smt. Poonam Kumari had filed a complaint under Section 12 of the Act before the District Forum averring therein that her mother Smt. Ram Rati had opened an MIS account with respondent No. 2 (Post Master, Main Post Office, Khurja) and had deposited a sum of Rs. 48,000/- in the above said account. It was stated that the respondent Smt. Poonam Kumari was nominated as a ‘nominee’ in respect of the above said account. It was stated that the mother of the respondent said Smt. Ram Rati expired on 26.1.1998 and on the basis of nomination, the respondent, after the death of her mother, became entitled to receive the above said amount. It was stated that the respondent vide her letters dated 17.