I had deposited Rs 5,000 on 31.07.2001 in Century Marine Venture Limited, which is at 3D, Everest House (3rd floor), 46 C, Jawaharlal Nehru Road, Calcutta 700071. The maturity value of my certificate is Rs 6,845. The certificate matured on 31.07.2003. I had deposited my certificate along with my maturity cheque to the company for the payment but no action has been taken by the company. I am a retired teacher and want to get my maturity amount at the earliest. Is the refund possible now?

Dipali Biswas,
Kabirajpara, P.. Bishnupur, District ? Bankura, Pin Code ? 722122

The company: No response from the company.

The expert: Admittedly, a deposit so made matured on 31.07.2003. As per the settled principle of the law, the complaint, if any, before the Consumer Fora will have to be made within two years from the date of the cause of action as per Section 24 (A) of COPRA. Thus, there is very little time left to place your grievance before the appropriate district Consumer Fora under which the company has its registered office.