STATE CONSUMER DISPUTES REDRESSAL COMMISSION KERALA FIRST APPEAL NO. SC/32/FA/675/2025 (Against the Order dated 27th October 2025 in Complaint DC/563/CC/42/2024 of the District Consumer Disputes Redressal Commission Palakkad)

SARASWATHI C.P PRESENT ADDRESS - W/O. KANNAN KUTTY NAIR, SHILPA, DAIRA STREET, PALAKKAD -

678 001 PALAKKAD,KERALA.

.......Appellant(s)

Versus KUZHALMANNAM PRESENT ADDRESS - RURAL CREDIT CO-OPERATIVE SOCIETY LTD., NO. P. 1321, KANNANUR, KANNADI, PALAKKAD - 678 701 REPRESENTED BY THE SECRETARY PALAKKAD,KERALA.

THE SECRETARY PRESENT ADDRESS - KUZHALMANNAM BLOCK RURAL CREDIT CO-OPERATIVE SOCIETY LTD., NO. P. 1321, KANNANUR, KANNADI, PALAKKAD - 678 701 PALAKKAD,KERALA.

THE PRESIDENT PRESENT ADDRESS - KUZHALMANNAM BLOCK RURAL CREDIT CO-OPERATIVE SOCIETY LTD., NO. P. 1321, KANNANUR, KANNADI, PALAKKAD - 678 701 PALAKKAD,KERALA.

.......Respondent(s)

BEFORE:

HON'BLE MR. JUSTICE SRI.B.SUDHEENDRA KUMAR , PRESIDENT HON'BLE MR. SRI.AJITH KUMAR.D , JUDICIAL MEMBER SRI.RADHAKRISHNAN.K.R , MEMBER FOR THE APPELLANT:

NEMO FOR THE RESPONDENT:

NEMO DATED: 16/01/2026

ORDER

KERALA STATE CONSUMER DISPUTES REDRESSAL COMMISSION, VAZHUTHACAUD, THIRUVANANTHAPURAM APPEAL No. 675/2025 ORDER DATED: 16.01.2026 (Against the Order in C.C. 42/2024 of DCDRC, Palakkad)

PRESENT:

HON’BLE JUSTICE SRI. B. SUDHEENDRA KUMAR : PRESIDENT SRI. AJITH KUMAR D. : JUDICIAL MEMBER SRI. RADHAKRISHNAN K.R. : MEMBER APPELLANT:

Saraswathy C.P., W/o Kannankutty Nair, Shilpa, Daira Street, Palakkad-678 001 (By Adv. Narayan R.)

Vs.

RESPONDENTS:

1. Kuzhalmannam Block Rural Credit Co-operative Society Ltd. P-12321, Kannannur, Kannadi, Palakkad-678 701 represented by Secretary

2. The Secretary, Kuzhalmannam Block Rural Credit Co-operative Society Ltd. P-

12321, Kannannur, Kannadi, Palakkad-678 701

3. The President, Kuzhalmannam Block Rural Credit Co-operative Society Ltd. P-

12321, Kannannur, Kannadi, Palakkad-678 701

ORDER

HON’BLE JUSTICE SRI. B. SUDHEENDRA KUMAR : PRESIDENT The appellant is the complainant in C.C.No.42/2024 on the files of the District Consumer Disputes Redressal Commission, Palakkad (for short, ‘the District Commission’).

2. The complainant deposited Rs.2,92,257/- and Rs.3,12,023/- as fixed st deposit with the 1 opposite party society on 01.04.2020 at an interest at the rate of 8.25% per annum. When the fixed deposit attained the maturity period, the complainant demanded the amount. However, the amount was not released to the complainant. Instead of releasing the amount to the complainant, both the fixed deposits were renewed from year to year by the opposite parties without the consent of the complainant. Accordingly, the fixed deposit was renewed up to 01.01.2024. Finally, the complainant approached the District Commission with the above complaint alleging deficiency in service on the part of the opposite parties.

3. The opposite parties filed a joint version admitting the deposit made by the complainant. The opposite parties further admitted that the opposite parties failed to refund the amount deposited by the complainant. The opposite parties contended that since many persons who had availed loan from the opposite parties failed to repay the amount, the Society was in stringent financial crisis and hence, the Society was not in a position to disburse the amount to the complainant. In view of the stringent financial crisis, the Joint Registrar (General), Palakkad passed an order constituting a Monitoring Committee for disbursement of the fixed deposit amount. The Committee also initiated ARC proceedings to realize the loan amount.

nd

4. Before the District Commission, the complainant and the 2 opposite

party filed proof affidavit. Exhibits A1 and A2 were marked for the complainant and

Exhibit B1 was marked for the opposite parties. After evaluating the evidence, the District Commission dismissed the complaint.

5. Service is complete. However, there is no representation for the respondents. Heard the learned counsel for the appellant. Perused the records.

6. The District