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BEFORE THE TELANGANA STATE CONSUMER DISPUTES

REDRESSAL COMMISSION: HYDERABAD.

C.C.No.64 OF 2024

Between:

Ch. Vijaya Gopal,

Aged about: 61 years, Occ: Retired

Government Officer, R/o. Plot No.157 MIG,

HUDA Colony Phase-II, Chandanagar,

Hyderabad 500050, Mobile No.9701800892,

Email: viayagoplal2505@gmail.com.

… Complainant

And

1. The Chief Manager,

Union Bank of India, Saifabad Branch,

Hyderabad – 500004, Mobile NO.8369237060

(Whatsapp), 6200489098 (Whatsapp),

Email: ubin0537063@unionbankofindia.bank.

2. The Regional Head/Dy.General Manager,

Union Bank of India, Regional Office-Saifabad,

Hyderabad – 500004, Mobile No.9866065416 (Whatsapp),

Email:law.rohyderbadsaifabad@unionbankofindia.bank,

Dyrh.hyderbadsaifabad@unionbankofindia.bank.

…Opposite parties

Counsel for the Complainant : Sri.CH. Vijaya Gopal (PIP)

Counsel for the Opposite Party No.1 : M/s. P. Balaji

Counsel for the Opposite Party No.2 : Notice Served

QUORUM: HON’BLE SMT JUSTICE DR.G.RADHA RANI, PRESIDENT

&

HON’BLE SMT R.S. RAJESHREE- MEMBER (NON-JUDICIAL)

FRIDAY THE 30^TH DAY OF JANUARY,

TWO THOUSAND TWENTY SIX

ORDER: (PER HON’BLE SMT. R.S. RAJESHREE, MEMBER, N-JUDICIAL)

1. This is a complaint filed by the Complainant U/s. 47

of Consumer Protection Act, 2019, on 02.05.2024 against the

Opposite Parties to direct them as follows:-

“To direct the Opposite Parties jointly and severally to pay a sum of

Rs.66.20 lakhs, and also interest @12% per annum on the balance

amount of Rs.30 lakhs in token advance from May, 2023 till date

of realization and to pass such other or further orders or orders as

this Hon’ble Commission may deem fit and proper in the interest of

justice and under the facts and circumstances of the case”.

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2. Brief facts of the case: The case of the Complainant is that

he has availed several loans from the Opposite Party No.1, such as

housing/education/Mortgage, Covid Loans during the period from

2006-2019 to the tune of Rs.60.60 lakhs by mortgaging his original

title deeds of residential property situated at Plot NO.164,

Suraksha Enclave, Sy. NO.258 & 266 situated at Chandanagar

Village, Serilingampally Mandal, Rangareddy District, Telangana.

That he had cleared most of the loans by the month of June, 2021,

but, however the educational loan was still pending. Further since

he was retiring from service on 31.05.2023 and also due to some

financial difficulties, he decided to sell his property and entered

into an agreement of sale with the prospective purchaser on

22.04.2023 for a total sale consideration of Rs.1,54,00,000/- and

had taken an advance amount of Rs.55,00,000/-. That on

18.05.2023 he paid an amount of Rs.15,00,000/- to the Opposite

Party No.1 bank towards the education loan and closed the said

loan and requested the Opposite Party to return the original

property documents.

The Opposite Parties orally assured to return the property

documents within a weeks’ time from 18.05.2023, but however as

there was no response from the Opposite Party, the complainant

addressed a letter on 30.05.2025 with a request to return the

original title deeds. The Opposite Parties replied to the said letter

on 06.06.2023 stating that the original title deeds were misplaced

and that they are putting their best efforts to trace them and the

same would be handed over as and when they are traced and

further requested to collect the true copies of the documents. On

23.06.2023 the Complainant again addressed a letter seeking

return of the following documents:

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1. Original sanction plan and approval proceedings dated

12.12.2005 issued by GHMC.

2. A Certificate of loss of original title deeds.

3. A copy of FIR Registered by the police authorities on the

complaint lodged by Opposite Party No.1.

However, the Opposite Parties refused to take the said letter

and orally demanded the Complainant to pay Rs.60,000/- towards

the expenditure that would be incurred for appointing a search

committee. As such, he had sent the letter through WhatsApp to

Opposite Party No.1.

That based on that true copies issued by the Opposite Parties

when