P.N. Kashalkar, Presiding Judicial Member—None for the appellant. Heard Mr. J.M. Puranik-Advocate for the respondent extensively.

2. We also perused the appeal memo and the impugned order passed by the District Consumer Forum. Certain deposits were kept by the complainant with Syndicate Bank. There were 10 deposits and after maturity, deposits were not returned with accrued interest thereon. When approached, bank told that it was in the joint account of Ramakant Tukaram Khandke and his father Tukaram Shripad Khandke. After the death of said Tukaram Shripad Khandke, bank did not allow the complainant to operate the account and no interest was deposited in the account of Tukaram Khandke, since brothers of complainant objected for return of deposits to the complainant and he had to file civil suit No. 174/96 in Kalyan court. It was decreed and counter-claim of the defendant(complainant Respondent herein) for the amount of Rs. 1,35,000/- pertaining to F.Ds was directed to be paid by the Civil Court by the said decree. Even thereafter the O.P. had not paid amount to the complainant and therefore he suffered financial loss and mental agony. He therefore filed consumer complaint