ADDITIONAL BENCH STATE CONSUMER DISPUTES REDRESSAL COMMISSION, PUNJAB,DAKSHIN MARG, SECTOR 37-A, CHANDIGARH.

First Appeal No.421 of 2023 Date of institution : 03.06.2023 Reserved on : 16.09.2025 Date of decision : 17.10.2025

1. Punjab National Bank, (Previously Oriental Bank of Commerce)

through its Branch Manager, Branch M.L.M. School, Ferozepur Cantt. Tehsil & District Ferozepur-152001

2. Punjab National Bank, (Previously Oriental Bank of Commerce)

through its Branch Manager, Bagdadi Gate, Ferozepur City-

152002 …..Appellants/opposite parties Versus Pramilla aged 49 years wife of Sh. Vipin Kumar Gulati S/o Sh. Vijay Kumar resident of Kothi No.9, Block-B, Jai Maa Laxmi Enclave, Inside Amritsari Gate, Ferozepur City, Tehsil and District Ferozepur, Mobile

99158-95900 ….Respondent/opposite party First Appeal under Section 41 of the Consumer Protection Act, 2019 against the order dated 06.03.2023 passed by the District Consumer Disputes Redressal Commission Ferozepur, in CC/214/2022 Quorum:-

Mr. H.P.S. Mahal, Presiding Judicial Member Mrs. Kiran Sibal, Member Present:-

For the appellants : Ms. Anuradha Gupta, Advocate For respondent : Sh. Nitish Garg, Advocate KIRAN SIBAL, MEMBER The instant appeal has been filed by appellants/Opposite parties against the order dated 06.03.2023 passed by District Consumer Disputes Redressal Commission, Ferozepur (in short, “District Commission”), whereby the complaint filed by complainant against opposite parties (in short ‘OPs’), under the Consumer Protection Act, was allowed while granting the following relief:-

“10. xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxxx. Accordingly, the present complaint is partly allowed and opposite party No.1 is directed to pay Rs.5,50,000/- as compensation to the complainant on account of loss of the original sale deed, which includes compensation for mental agony, pain and harassment as well as litigation expenses within thirty days from the date of receipt of copy of order. The amount of Rs.5,50,000/- shall carry interest @9% per annum from the date of filing complaint till its realization. Besides above, the manager of the bank shall issue certificate on the letter pad to this effect that the bank has lost the original sale deed of the complainant by mentioning the complete description of the complainant and the sale deed. The manager of the opposite party No.1 shall also obtain certified copy of sale deed and to handover the same to the complainant. The manager of the opposite party No.1 bank has since in the present got the matter published regarding loss of sale deed in two newspapers i.e. one of Punjabi and other in English as such, the bank manager is also directed to get news regarding the loss of sale deed published in same renowned in Hindi Newspaper and also handed over all the three newspapers in original to the complainant. xxxxxxxx.”

2. It would be apposite to mention that hereinafter the parties will be referred, as have been arrayed before the District Commission.

3. Brief facts for the disposal of the appeal, as set out in the complaint, are that the complainant purchased a plot measuring 5.21 marlas situated in Jai Maa Laxmi Enclave from its previous owner M/s Sukh Sagar Enterprises, vide Wasika No.8793 dated 22.03.2012 got registered in the office of Sub-Registrar Ferozepur. After the purchase of the said plot, in the month of May 2012, she approached OP No.1 for taking housing loan of Rs.8,00,000/-, which was sanctioned by it with a condition to create equitable mortgage of the said plot/house by depositing the original title deed. The complainant completed all the formalities and got a legal report from the advocate of the Bank by paying his fee. The complainant also spent huge amount for obtaining Non-Encumbrance Certificate and certified copy of the title deed etc. The complainant also created equitable mortgage of her property by depositing the original title deed bearing Wasika No.8793 dated 22.03.2012. At the time of deposit of s