BEFORE THE TELANGANA STATE CONSUMER DISPUTES REDRESSAL COMMISSION : HYDERABAD.

CC.NO.210 OF 2014 Between:

Smt. Suryadevara Sobharani W/o.Mr.Suryadevara Janardhana Rao, Aged about 51 years, Occ: Housewife, R/o.304, Murali Sadan, Champapet, Saroornagar Mandal, R.R.District.

…..Complainant And:

1. M/s.Andhra Bank Rep. by its Chief Manager Zonal Office, Sultan Bazar, Hyderabad.

2. Andhra Bank Rep. by its Branch Manager, No.16-1-28/1, Jayanagar, Hyderabad – 500 059.

…..Opposite Parties Counsel for the Complainant: M/s.M.Hari Babu Counsel for the Opp.Parties : M/s.K.Vijaya Kumar Reddy QUORAM:

HON’BLE SMT.JUSTICE DR.G.RADHA RANI ……PRESIDENT &

HON’BLE SMT.MEENA RAMANATHAN ……MEMBER (NON-JUDICIAL)

FRIDAY, THE TWENTIETH DAY OF FEBRUARY TWO THOUSAND TWENTY SIX *******

Order: (PER HON’BLE SMT. JUSTICE DR.G.RADHA RANI, PRESIDENT

1. This matter is taken up for fresh consideration as per the directions of the Hon’ble NCDRC in FA.No.780/2018 dated

10.12.2025 wherein it was held that:

“In view of the foregoing, after due consideration of entire facts and circumstances of the case, we consider it appropriate to remit the matter back to the learned State Commission for consideration of the complaint with respect to allegation of deficiency in service with respect to alleged unauthorized transaction by the OP-Bank in clearing the payment of the cheque for Rs.22,00,000/- by permitting the parties to lead further evidence as may be necessary.”

2. a) As seen from the facts of the case, the Complainant lodged a complaint stating that she was the daughter of Sri Koneru Venkata Rama Rao who died on 23.05.2014 by leaving the Complainant as his surviving legal heir and that he executed a Will Deed in favour of the Complainant vide registered Will Deed dated 15.02.2013 bearing document No.3/BK-III/2013. The Complainant’s father Sri K.Venkata Rama Rao during his lifetime operated Savings Bank account bearing No.133810011002894 with the Opposite Party No.2-Bank for many years with customer ID.No.04834146. He deposited his savings in the said Bank besides his monthly pension credited into the account. The Complainant’s father does not frequently operate the account as he leads a retired life. The Complainant’s father Sri K.Venkata Rama Rao lost his passbook and cheque book and the said fact was informed to the Opposite Party-Bank orally initially and in written form thereafter. The father of the Complainant noticed on 11.02.2013 that there was an unauthorized debit of Rs.22,00,000/- dated 29.10.2012 in his account by using a cheque bearing No.831207. Immediately he complained to the Opposite Party-Bank on 12.02.2013. The Complainant’s father also complained that some unauthorized person collected a duplicate passbook on 05.02.2013. The said fact was also brought to the notice of the Opposite Party-Bank. The Opposite Party No.1 had informed the father of the Complainant on 23.02.2013 that they had been investigating into the complaint and would revert shortly. Subsequently, it was informed that the debit was not reversed since the signature on the cheque seemed tallied.

b) The Complainant further submitted that similar forgery took place in the account of the Complainant’s father with Axis Bank, Champapet Branch. The Complainant’s father requested for reversal of the unauthorized debit from the Axis Bank. The subject bank lodged an FIR with the local police and also reversed the debit of forged cheque subsequently.

c) The Complainant further submitted that Complainant’s father obtained the statement of account from the Opposite Party No.2-Bank on 08.04.2013 which showed that a credit balance of Rs.4,79,566/- was lying in the account. When the father of the Complainant tried to withdraw a sum of money to meet his medical expenses, the Opposite Party No.2-Bank objected that it could not be done unless the complaint of wrong debit lodged by the father of Complainant was withdrawn. Startled by the objection of the Opposite Party-Bank, the father of the Complainant tried to reaso