Reserved

State Consumer Disputes Redressal Commission

U.P. Lucknow.

Complaint No.325 of 2019

P.N. Srivastava s/o Shyam Bahadur Srivastava,

Aged about 63 years, R/o Plot no.2, Aryavart

Inter College ke samne, Pashupati Nagar,

Naubasta, Kanpur Nagar-208081.              ....Complainant.

Versus

1- Union Bank of India, Branch Office,

     At 81, Pashupati Nagar, Yashoda Nagar,

    Kanpur Nagar-208011 through Branch Manager.

 2- Union Bank of India, Regional Office,

     117/H-1/240, Model Town,  Pandu Nagar,

 3- Union Bank of India, Head Office, Union

     Bank Bhawan, 239, Vidhan Bhawan Marg,

     Nariman Point, Mumbai-400021 through

     CEO/Managing Director.

4- Reserve Bank of India, Head Office, Main

    Building, P.O. Box 901, Shahid Bhagat Singh

    Road, Mumbai-400001 through Chief

    General Manager.                                    ….Opp. Parties.

Present:-

1- Hon’ble Mr. Justice Ashok Kumar, President.

2- Hon’ble Sri Vikas Saxena, Member.

Sri Pramedra Verma, Advocate for complainants.

Sri Rajesh Chaddha, Advocate of OP no.1 to 3.

None for OP no.4.

Date 21.12.2022

JUDGMENT

Per Sri Vikas Saxena,  Member- The complainant Akhilesh Shivhare opened a joint savings bank account bearing account number 551702010001290 at branch Pashupati Nagar, Yashoda Nagar, Kanpur Nagar of Union Bank of India, the opposite party. As per the complainant the branch manager offered a locker facility to the complainants on nominal fees and promise to provide highly secured strong room equipped

(2)

with modern technology security systems. On the assurance, the complainant applied for the locker facility and after fulfilling all the requirements and paying the requisite fees hired a locker facility at the branch office of the bank and got the locker number 54 (SC) and thus became a consumer of the opposite party. The complainant has   affirmed that he kept all his ornaments, jewelry and other valuable things including ornaments of son and daughter-in-law in this locker. The opposite party Bank gave one key to the complainant and kept another key with them apart of the master key.

According to complainant he and his family members including wife, son and daughter-in-law holds no other locker in any of the bank in India except this locker.

Allegedly, on date 17/18.02.2018 midnight a theft was committed by some unknown miscreants where in 32 lockers were broken open by cutting them with a gas cutter and all valuables were taken away by them. The complainant alleged that all valuable things including items of jewelry, ornaments and other valuable things were stolen from this particular locker number 54(SC) which approximately value Rs.14,24,217.77 (Rupees fourteen lacs twenty four thousand two hundred seventeen and paise seventy seven). List of those stolen articles has been mentioned in the complaint.

The complainant has alleged that the theft was committed by the unknown miscreant due to lack of proper security and inadequate safety measures taken by the opposite party/ Bank. The complainant lost all the valuables kept in the locker received by him and his family members from ancestors. It is further indicated by the complainant that the

(3)

bank did not take adequate safety measures as per the normal duty of a bank as well as the measures provided in guidelines  of Reserve Bank of India, as su