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NATIONAL CONSUMER DISPUTES
REDRESSAL COMMISSION, NEW DELHI
Hon’ble Mr. Justice M.B. Shah, President &
Mrs. Rajyalakshmi Rao, Member
A.S. ARUNACHALAM—Petitioner
versus
CHIEF MANAGER, STATE BANK OF INDIA—Respondent
Revision Petition No. 853 of 2004—Decided on 8.9.2004

Advocates:
Counsels for the Parties :
For the Petitioner: In person.
For the Respondent:Mr. R.K. Dikshit, Advocate.

Headnote:Consumer Protection Act, 1986 - Sections 12 and 17 - Safe deposit

       locker hired by complainant - A sticker found pasted on locker declaring "A31 deceased" when once complainant reached to operate the locker - Request of complainant to inspect "Locker Access Register" was denied for his satisfaction that no body else had any occasion to tamper with his locker - Distt. Forum holding bank deficient in service awar-ded compensation of Rs. 25,000/- - State Commission finding that there was no tampering with Locker set aside the order - Revision - No explanation by bank how sticker declaring locker holder deceased came to be pasted - It was deficiency in service - Denying access to Locker Access Register was also unjustified - Respondent directed to permit Revision Petitioner to see Locker Access Register or to provide him relevant entries extract and locker be opened in presence of complainant

       and one independent person.(Paras 6 to 10)

       Result: Revision allowed with cost Rs. 5,000/-.

       Counsel for the parties:

       For the Petitioner : In Person.

       For the Respondent : Mr. R.K. Dikshit, Advocate.

       IMPORTANT POINT

       If a sticker is found pasted on safe deposit locker of bank that locker holder is "deceased" when locker holder reached to operate it, in absence of any explana-

       tion by Bank, it amount to deficiency in service.

ORDER

Mrs. Rajyalakshmi Rao, Member—The revision petitioner in this case is the original complainant in complaint No. O.P. No. 64/2002 in District Forum, Tirunelveli, wherein his complaint was allowed. Appeal Nos. 367 and 387 of 2003 by both the parties were decided by the State Commission, Tamil Nadu at Chennai, by a common order dated 20.2.2004. Aggrieved by the order of dismissal of his appeal, the complainant Shri Arunachalam is here, in Revision petition. The facts of this case are quite simple.

2. The revision petitioner, A.S. Arunachalam, aged 66, hired a safe deposit locker No. A-31 in the Bank of India (respondent) in 1966 and has been paying the annual rent regularly and in time. It is admitted that the locker itself was used infrequently. He went to the Bank for operation of the locker on 6.6.2001 at 12.55 p.m. He made an entry in the Locker Access Register and along with a Bank Official went towards the Locker, when he realised that on the door of the Locker, there was a sticker with a declaration “A-31 deceased”. Upset and shocked with this, the complainant did not want to operate the Locker on that day, made an entry to that effect again in the Locker Access Register and demanded from the Bank to know how exactly the sticker announcing his death was placed on the Locker door.

3. The petitioner appeared in person and argued his case. He has expressed his doubts about the safety of the Locker, and, because of the said sticker, he felt that others might have had access to his Locker, or could access the Locker. As there was no satisfactory explanation, he insisted on seeing the entries in the Locker Access Register. This was rejected by the Bank on the ground that the Locker Access Register is a confidential document.

4. It is this indifference and apathy of the Bank that made him to file a complaint in the District Forum which was decided in his favour by holding that there was deficiency in service on the part of the Bank. The District Forum awarded a compensation of Rs. 25,000/- and costs of Rs. 2,000/-. In appeal by the Bank, the State Commission while sympathising with the complainant and holding that the Bank has caused pain and agony to him, however, held that since he was forced to access the Locker any time, and since there is no evidence tampering with the Locker, there was no deficiency in service and set aside the order of the District Forum. The complainant has come in revision here.

5. We have carefully gone through the record and heard arguments by both the parties. The revision petitioner is obviously a consumer as he paid for the service of being provided with a Safe Locker. There are two aspects relating to the use of a Safe Locker in a Bank. Firstly, it is the Bank’s responsibility to look after the safety of the Locker. It is required to guard it very carefully and prevent entry of unauthorised persons into the Locker Room so as not to give occasion to tamper with the Lockers. The other aspect is that they should provide a hassle-free access to the holder of the Locker to operate the same. Obviously somebody other than the revision petitioner stuck that note saying “A-31 deceased”.

6. If it is done by a Bank employee, either mischievously or inadvertently, it is for the Bank to clearly and properly explain the circumstances especially when the Bank is such a renowned organisation as the State Bank of India. The Bank has made no effort whatsoever in explaining at any stage as to how this sticker got pasted on the Locker. To our mind, it does not appear to be an inadvertent mistake clearly saying “A-31 deceased” and pasting it on A-31 Locker, clearly shows that it is a mischief. This sticker certainly created mental shock and agony to the complainant and thus could be said to have created hindrance in the process of accessing the Locker. To that extent it is certainly a deficiency in service. Perhaps the gravity of this could have been reduced had the Bank satisfactorily explained after a proper in-house

















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