S.C. Vyas, President—This order will govern disposal of Appeal No.603/2004, 604/2004, 605/2004 and 606/2004, which have arisen out of a common order passed by the District Consumer Disputes Redressal Forum, Durg (hereinafter called as “District Forum” for short), in Complaint Case Nos.140/2001, 141/2001, 142/2001 and 181/2001, dated 30.10.2004. For the purpose of convenience, facts of Complaint Case No.140/2001, will be taken into consideration. For reference, the parties will be referred hereinafter as Complainant/OPs, which were their capacity before the District Forum. Original copy of this order be retained in file of Appeal No.603/2004 and copies be placed in the record of remaining three Appeal Nos. 604/2004, 605/2004 and 606/2004.

2. It is not in dispute that the appellant herein, who was OP No.1 before the District Forum is Non-bankiong Financial Institution and works in the name of Shrachi Securities Limited and was having a branch at Bhilai also and Head Office at Kolkata. At Bhilai branch, it collects deposits from the depositors through its agents, who issues deposit receipts to such depositors and then pay back the maturity amount, along with interest afte