State Consumer Disputes Redressal Commission
M/S Raakoj Electric & Hardware vs State Bank Of India on 22 February, 2021
1 jkT; miHkksDrk vk;ksx] t;iqj izFke vihy la[;k 1109@2019 jktLFkku jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj izFke vihy la[;k 1109@2019 eSllZ jkdkst bysfDVªd ,.M gkMZos;j tfj;s izksijkbZVj txnh'k izlkn xqIrk iq= Jh fd'kupUn xqIrk] irk& nqdku la[;k 11] vk|ksfxd {ks=] ljuk Mwaxj] t;iqj ¼jktLFkku½ A
------vihykFkhZ@ifjoknh cuke 01-LVsV cSad vkWQ bf.M;k] m|ksx Hkou ds ikl] fryd ekxZ] lh&Ldhe] t;iqj tfj;s phQ tujy eSustj A 02-LVsV cSad vkWQ bf.M;k] th&1@93] vk|ksfxd {ks=] ljuk Mwaxj] t;iqj tfj;s cSad eSustj A 03-cSad vkWQ bf.M;k] IykWV la[;k 9] esdj Vkoj] clUr cgkj] xksikyiqjk ØkWflax ds ikl] Vksd a jksM] t;iqj ¼jktLFkku½ tfj;s cSad eSustj A 04-fl?kay gkMZos;j ,tsUlh] 3] ekuo vkJe fcfYMax] xksikyiqjk eksM+] Vksd a jksM] t;iqj tfj;s izksijkbZVj A
------ izR;FkhZx.k@foi{khx.k le{k % ekuuh; Jh egkohj izlkn 'kekZ] lnL; ¼U;kf;d½ ekuuh; Jh 'kSysUnz HkV~V] lnL;
mifLFkr %& vihykFkhZ&ifjoknh dh vksj ls Jh v'ouh dqekj xqIrk] vf/koDrk izR;FkhZ&foi{kh la[;k 1] 2 o 3 cSad dh vksj ls Jh >kcj Lokeh] vf/koDrk izR;FkhZ&foi{kh la[;k 4 dh vksj ls Jh nhid lpnsok] vf/koDrk 2 jkT; miHkksDrk vk;ksx] t;iqj izFke vihy la[;k 1109@2019 fu.kZ; fnukad 22-02-2021 jkT; miHkksDrk vk;ksx]t;iqj }kjk Jh egkohj izlkn 'kekZ] lnL; ¼U;kf;d½ ;g vihy vihykFkhZ&ifjoknh eSllZ jkdkst bySfDVªd ,.M gkMZos;j dh vksj ls LVsV cSad vkWQ bf.M;k o vU; ds fo:) ftyk miHkksDrk fookn izfrrks"k eap] t;iqj f}rh;] t;iqj ds fu.kZ; fnukad 25-09-2019 ls O;fFkr gksdj is'k dh xbZ gSA 02- la{ksi esa izdj.k ds rF; bl izdkj gS fd vihykFkhZ&ifjoknh us ,d ifjokn izR;FkhZx.k&foi{khx.k ds fo:) bl vk'k; dk is'k fd;k fd ifjoknh eSllZ jkdkst bySfDVªd ,.M gkMZos;j ds uke ls vkS|ksfxd {ks= ljuk Mwx a j] t;iqj esa O;olk; djrk gS A ifjoknh us viuh QeZ dh vko';drkvksa gsrq foi{kh la[;k 1 o 2 ds ;gka [kkrk [kqyok j[kk gS A fnuakd 06-06-2017 dks ,d vU; QeZ eSllZ eSllZ fla?ky gkMZos;j ,tsUlh us ,d vdkmUV isbZ pSd jkf'k 13]158@&:i;s dk ifjoknh dks fn;k Fkk] ftls ifjoknh us Hkqxrku gsrq foi{kh la[;k 2 cSad ds le{k is'k fd;k] tgka ls mDr pSd fnukad 09-06-2017 dks fjVuZ eheks ds lkFk best uksV fDy;j] iztsUV vxsu foFk isij vafdr djrs gq, fcuk Hkqxrku vuknfjr gksdj ifjoknh dks izkIr gqvk A foi{kh cSad us ifjoknh ds [kkrs ls 172@&:i;s dh jkf'k dkV yh A ifjoknh miHkksDrk dh Js.kh esa vkrk gS A pSd vuknfjr djus ,oa jkf'k dkVdj foi{khx.k us lsoknks"k dkfjr fd;k gS] blfy, {kfriwfrZ ,oa ifjokn O;; fnyk;k tkos A 03- foi{kh la[;k 1 o 2 us tokc ifjokn izLrqr dj ;g vfHkdFku fd;k gS fd ifjoknh us foi{kh la[;k 2 ds ;gka O;kolkf;d xfrfof/k;ka lapkfyr djus gsrq pkyw [kkrk [kqyok j[kk gS bl dkj.k ifjoknh miHkksDrk dh Js.kh esa ugha vkrk gSA best uksV fDy;j] iztsUV vxsu foFk isij ds dkj.k pSd fcuk fldjs okil fd;k gS] blesa dksbZ lsoknks"k ugha gS A 3 jkT; miHkksDrk vk;ksx] t;iqj izFke vihy la[;k 1109@2019 ifjoknh ds [kkrs ls tks jkf'k dkVh xbZ Fkh og iqu% mlds [kkrs esa ØsfMV dj nh xbZ Fkh] vr% ifjokn [kkfjt fd;k tkos A 04- foi{kh la[;k 3 us i`Fkd ls tokc ifjokn izLrqr dj ;g vfHkdFku fd;k gS fd foi{kh la[;k 2 }kjk ftl pSd dh best Hksth xbZ Fkh og Li"V ugha Fkh] blfy, pSd dks okil foi{kh la[;k 2 dks best uksV fDy;j ds fjekdZ ds lkFk Hkst fn;k x;k] ftlesa muds }kjk dksbZ lsoknks"k dkfjr ugha fd;k x;k gS] vr% muds fo:) ifjokn [kkfjt fd;k tkos A 05- fo}ku ftyk vk;ksx }kjk foi{kh la[;k 4 dks ryc fd;k x;k ysfdu ftyk vk;ksx ds le{k mudh vksj ls fdlh ds mifLFkr ugha vkus ij fo}ku ftyk vk;ksx }kjk muds fo:) ,di{kh; dk;Zokgh vey esa ykbZ xbZ A 06- mHk;i{k dks lquk x;k ,oa i=koyh dk voyksdu fd;k x;k A 07- vihykFkhZ&ifjoknh ds fo}ku vf/koDrk dk rdZ gS fd izR;FkhZx.k&foi{khx.k cSad vihykFkhZ&ifjoknh dks fu;r 'kqYd izkIr dj lsok iznku djrs gSa A vihykFkhZ&ifjoknh Lo;a ds thfodksiktZu ds fy, O;olk; djrk gS] blfy, og miHkksDrk dh Js.kh esa vkrk gS A vr% fo}ku ftyk eap }kjk ikfjr fu.kZ; vikLr djus dk fuosnu djrs gq, vius rdksZa ds leFkZu esa fuEufyf[kr U;kf;d n`"VkUr is'k fd;s gSa%&
01. NCDRC, M/S V and S International (P) Ltd. Vs Axis Bank, Decided on 09.05.2019
02. SDCRC, West Bengal, Kolkata, Mr.Runendu Kumar Vs Indian Overseas Bank - S.C.Case No. SC/299/A/06, Decided on 06.10.2010
03. NCDRC, M/s Tata Motors Ltd. Vs Sharad & Anr. - R.P.No.2340/2009, Decided on 19.05.2016
04. NCDRC, M/s Gati Ltd. Vs R.Ramesh - R.P.No.3589/2014, Decided on 21.01.2015
08. tcfd izR;FkhZx.k&foi{khx.k cSad ds fo}ku vf/koDrk dk rdZ gS fd vihykFkhZ&ifjoknh us pkyw [kkrk O;kolkf;d mn~ns'; ds fy, [kqyok j[kk gS A cSad esa laO;ogkj O;kolkf;d mn~ns'; ds fy, fd;s x;s Fks] vr% vihykFkhZ&ifjoknh miHkksDrk dh Js.kh esa ugha vkrk gS A 172@&:i;s dh 4 jkT; miHkksDrk vk;ksx] t;iqj izFke vihy la[;k 1109@2019 tks jkf'k dkVh xbZ Fkh] og vihykFkhZ&ifjoknh ds [kkrs esa iqu% Øsfs MV dj nh xbZ gS A mUgkssaus vius rdksZa ds leFkZu esa ekuuh; jk"Vªh; miHkksDrk fookn izfrrks"k vk;ksx ds fuEu U;kf;d n`"VkUr is'k fd;s gSa%&
01. Subhash Motilal Shah (HUF) & Ors. Vs Malegaon Merchants Co.Op.Bank Ltd., - R.P.No. 2571/2012, Decided on 12.02.2013
02. Union Bank of India & Anr.Vs M/S Learning Spiral Pvt. Ltd. & Anr.. Decided on 30.07.2018
03.Crompton Greaves Limited and Anr. Vs Daimler Chrysler India Private Ltd., Decided on 08.07.2016
04.Maya Engineering Works Vs ICICI Bank Ltd. - R.P.No.3678/2013, Decided on 05.11.2014
09. fo}ku vf/koDrk izR;FkhZ&foi{kh la[;k 4 dk vihykFkhZ&ifjoknh }kjk mls vuko';d i{kdkj cukus dk rdZ nsrs gq, vihy [kkfjt djus dk fuosnu fd;k gS A
10. mHk;i{k dh vksj ls izLrqr rdksZa ,oa mDr U;kf;d n`"VkUrksa dk i=koyh ds ifjisz{; esa euu fd;k x;k A 11- vihykFkhZ&ifjoknh us vius ifjokn ds iSjk la[;k 1 esa bl ckr dks Lohdkj fd;k gS fd og eSllZ jkdkst bysfDVªd ,.M gkMZos;j ds uke ls O;olk; djrk gS A vihykFkhZ&ifjoknh us O;kolkf;d mn~ns'; ls gh izR;FkhZ&foi{kh la[;k 1 o 2 ds ;gka pkyw [kkrk [kqyok j[kk gS A vihykFkhZ&ifjoknh us izR;FkhZ&foi{kh la[;k 2 ds ;gka tks pSd tek djk;k Fkk og ,d vU; QeZ us vihykFkhZ&ifjoknh dks fn;k Fkk vFkkZr~ tks pSd vihykFkhZ&foi{kh la[;k 2 cSad esa tek djk;k x;k gS og Hkh O;olk; ds lkekU; vuqØe esa O;ogkj gS A vihykFkhZ&ifjoknh us vius ifjokn esa dgha Hkh Lo;a ds thfodksiktZu dk mYys[k ugha fd;k gS A ,slh fLFkfr esa vihykFkhZ&ifjoknh dh vksj ls izLrqr mDr U;kf;d n`"VkUr vihykFkhZ&ifjoknh dks dksbZ lgk;rk iznku ugha djrs gSa A ;gka ;g Hkh mYys[k djuk mfpr gksxk fd izR;FkhZ&foi{kh la[;k 1 o 2 cSad us vihykFkhZ&ifjoknh ds [kkrs ls 172@&:i;s dh tks jkf'k dkVh gS og iqu% mlds [kkrs esa ØsfMV dj nh xbZ gS A 5 jkT; miHkksDrk vk;ksx] t;iqj izFke vihy la[;k 1109@2019 12- izR;FkhZx.k&foi{khx.k cSad dh vksj ls izLrqr U;kf;d n`"VkUr Subhash Motilal Shah (HUF) & Ors. Vs Malegaon Merchants Co.Op.Bank Ltd.,
- R.P.No. 2571/2012, Decided on 12.02.2013 esa ekuuh; jk"Vªh; miHkksDrk fookn izfrrks"k vk;ksx us ;g ekuk gS fd%& "It is a case relating to an action related with services given while operating the Current Account of Appellant Rainbow Corporation which was admittedly opened and used for business purpose, of the business of ommission agentand business of arn sale therefore, since the account itself is connected and related to the business transactions and such banking activity is required for the functioning of a given business enterprise of the appellant/complainant, services hired for that purpose would fall within the category of hiring services for commercial purpose." izR;FkhZx.k&foi{khx.k cSad dh vksj ls izLrqr U;kf;d n`"VkUr Union Bank of India &Anr.Vs M/S Learning Spiral Pvt. Ltd. & Anr., Decided on 30.07.2018 esas ekuuh; jk"Vªh; miHkksDrk fookn izfrrks"k vk;ksx us ;g ekuk gS fd%& "The Complainant/appellant has opened a current account with the respondent bank for the purpose of carrying out its business activities. The purpose behind opening the said account therefore was to serve the commercial interests of the company. Therefore, it can hardly be disputed that the services of the bank were hired or availed by the complainant for a commercial purpose.
In view of the aforesaid pronouncement of this Commission, it can hardly be disputed that the complainant cannot be said to be a consumer within the meaning of Consumer Protection Act, as it had hired/availed the services of the petitioner Bank for commercial purpose, i.e., for running a current account of business purpose."
13- izR;FkhZx.k&foi{khx.k cSad dh vksj ls izLrqr mDr nksuksa U;kf;d n`"VkUrksa esa izfrikfnr mDr fl}kUrksa ds ifjisz{; esa vihykFkhZ&ifjoknh miHkksDrk dh Js.kh esa ugha vkrk gS A fo}ku ftyk miHkksDrk vk;ksx us rF;ksa ,oa lk{; ds vk/kkj ij vkykSP; fu.kZ; ikfjr fd;k gS] blesa gLr{ksi fd;s tkus dk dksbZ vk/kkj i=koyh ij ekStwn ugha gS A Qyr% vihykFkhZ&ifjoknh }kjk izR;FkhZx.k&foi{khx.k ds fo:) izLrqr vihy [kkfjt fd;s tkus ;ksX; gS A 6 jkT; miHkksDrk vk;ksx] t;iqj izFke vihy la[;k 1109@2019 vkns'k vihykFkhZ&ifjoknh }kjk izR;FkhZx.k&foi{khx.k ds fo:) izLrqr vihy [kkfjt dh tkrh gS rFkk fo}ku ftyk miHkksDrk fookn izfrrks"k eap f}rh;] t;iqj }kjk ifjokn la[;k 762@2017 & eSllZ jkdkst bysfDVªd ,.M gkMZos;j cuke LVsV cSad vkWQ bf.M;k oxSjg% esa ikfjr fu.kZ; fnukad 25-09-2019 iq"V fd;k tkrk gS A ¼'kSysUnz HkV~V½ ¼egkohj izlkn 'kekZ½ lnL; lnL; ¼U;kf;d½ fVdaj