JUDGMENT

Sri. Ajith Kumar D., Judicial Member—This is an appeal filed by the 1st opposite party in C.C.No.259/2013 on the file of the Consumer Disputes Redressal Forum, Kannur (the District Forum for short).

2. The District Forum as per the order dated 07.07.2015 had allowed the complaint in part and directed the appellant to refund Rs.40,000/- (Rupees Forty Thousand only) to the complainant along with interest @10% per annum from 17.08.2013 till the date of order. The District Forum had also directed the appellant to pay Rs.2,000/- (Rupees Two Thousand only) as costs of the proceedings. A default clause was also incorporated directing the appellant to pay interest @12% per annum in the event of non-compliance of the order.

3. The recitals in the complaint are:

The complainant was having a savings bank account with the appellant. He had also availed the facility of ATM debit card. Without his knowledge, on 17.08.2013 and 18.08.2013 a total amount of Rs.40,000/- (Rupees Forty Thousand only) was withdrawn from his account through ATM transaction from Bangalore and Mysore. The complainant had immediately contacted the office of the appellant at Ernakulam and as per their advice he had