Legal Document View

Unlock Advanced Research with PRISMAI

- Know your Kanoon - Doc Gen Hub - Counter Argument - Case Predict AI - Talk with IK Doc - ...
Upgrade to Premium
[Cites 0, Cited by 0]

State Consumer Disputes Redressal Commission

Mistri Jyantilal Viththaldas vs The Idar Nagarik Sahakari Bank Ltd on 8 April, 2022

S[; NFB, YIF TFP!5qZqZ_ZZ S[; O[\;, YIF TFP( q$qZ_ZZ lGSF,GF lNJ;Mo JQF"v _ DF;v_!4 lNJ;vZ$ U|FCS TSZFZ lGJFZ6 SlDXG4 U]HZFT ZFHI4 VDNFJFN SM8" G\P#P ZLjI] V[%,LS[XG G\P$qZ_ZZP VZHNFZ o lD:+L HI\lT,F, lJ9',NF;4 pPVFPJP*_4 WD["vlCgN]4 W\WMvB[TL4 ZC[v:8[8 A[gS VMO .g0LIFGL AFH]DF\ 4V[;P8LPZM04 .0Z4 TFP.0Z4 HLP;FAZSF\9Fv#(#$#_P lJZ]wW ;FDFJF/Fo WL .0Z GFUlZS ;CSFZL A[gS ,LDL8[04 ;ZGFD\]ov HJFG5]ZF4 TFP.0Z4 HLP;F\AZSF\9FP SMZDov zL V[;PV[GPJSL,4 gIFlIS D[dAZP l5|lT VFZPXFCPD[dAZ V[0JMS[8 oVZHNFZ TZO[ HFT[P o;FDFJF/F TZO[ lJwJFG JSL,zL 5LPH[P;MGLP VM0"Zov zL V[;PV[GPJSL, D[dAZ wJFZF4 o TFP(q$qZ_ZZ s!f VF SlDXG ~A~GL V5L, G\P$&_qZ_!) GF SFD[ TFPZZq!ZqZ_Z! GF\ ZMHGF R}SFNF ;FD[GL V[5[,g8GL VF ZLjI] VZHL K[P sZf V[5[,g8[ VF ZLjI] VZHL V[ SFZ6M;Z SZL K[ S[4cc GFDPSM8" wJFZF ~FP)4Z(4_Z_qvGL ZSD )P5P 8SFGF NZ[ R}SJ[, CMJFGL JFT ;FRL GYL SFZ6 S[4 p5ZMST ZSDDF\ GFPSM8"

TZOYL YI[, C]SD D]HA ~FP!4__4___qv DFGl;S +F;GF T[DH ~FPZ54___qv BR"GF 56 ;FD[, K[P GFDPG[XG, SlDXGGF C]SD D]HA !))(GL 8D"; V[g0 Sg0LXG
5|DF6[ ZSD R]SJJFGM VFN[X SZ[, K[ T[DF\ 56 D[rI]ZL8L 5KLGF 8F.DG\] jIFH pD[ZJFGL N.R.Kshatriya R.A.No-4/2022 Page 1 of 6 H JFT SZ[, K[ T[GM VY" jIFH NZ JW[, CMI T[ H pD[ZJFGL JFT SZ[, T[D ,FU[ K[ T[DF\ jIFH NZ ZL0I]; SZJFGL AFAT GFPSM8"GF VM0"ZDF\ H6FJ[, GYLP GFDPG[XG, SlDXG wJFZF DFGl;S +F; T[DH BR"GM SM. VM0"Z GCL\ SZ[, CMJFGL AFAT HIFZ[ GFDPSM8"

H6FJ[ K[ tIFZ[ GFDPSM8"GF C]SDG\] p5ZMST SFDGF ;FD[JF/F p<,WG SZL GFDPSM8"GF C]SDGM JFZ\JFZ VGFNZ SZ[ tIFZ[ GFDPSM8" 5F;[ DFGl;S +F; T[DH BR"GL ZSD VF5JF DF8[GL jIF5S ;tTFVM ZC[,L K[ VG[ VF H ;tTFGM p5IMU GFDP:8[8 SlDXG wJFZF ZLJLhG G\P!*qZ$ GF VM0"ZDF\ 56 SZ[, K[P GFDPSM8"G\] V[ TFZ6 56 BM8\] CMI T[D ,FU[ K[ H[DF\ T[D6[ VDMG[ D/JF5F+ ZSD SZTF\ 56 JW] ZSD R}SJ[, K[ T[D H6FjI] K[ SFZ6 S[4 VDMGF[ p5ZMST SFDGF ;FDFJF/FV[ H[ 56 ZSD R}SJ[, K[ T[ GFDPSM8"GF C]SD D]HA H R}SJ[, K[PGFDPSM8[" V[ AFAT 56 wI'FG[ ,LWL S[ lZJLhG G\P!*qZ$ DF\ SZ[, VM0"ZDF\ VMU:8v!* ;]WLGL H U6+LG\] :5856[ H6FJ[, K[ VG[ VDMG[ ZSDGL R}SJ6L ZHL:8=FZ ;FC[AzLGL NZdIFGULZL AFN TFP$q&qZ_!( GF\ ZMH SZ[, TM VF UF/F NZdIFGGF jIFHGL ZSD 56 VDM ,[JFGF CSSNFZ KLV[ VF AFAT 56 GFDPSM8["

wIFG[ ,[JL HM.TL CTLP U|FCSMGF lCTG\] Z1F6 SZJFGL VMOL;LIg;L s;DH6f GF VEFJGF SFZ6[ T[DGL lJ`JGLITF 5Z 5|xGFY" YJM :JEFJLS K[ SFZ6 S[ T[DGF H VM0"ZDF\ lJZMWFEF; :5Q8 ZLT[ H6F. VFJ[ K[ T[DH H6FjIF D]HA T[VMV[ jIFHGL U6+L SZTF\ ;FDFJF/FGF H6FjIF D]HA V[8,[ S[4 ~FP)4Z(4_Z_qv H[8,L H VFJ[ K[ T[D H6FJ[, K[ TM p<8FG\] R}SJJFG] YFI K[T[ TFZ6 H BM8\] ,FU[ K[ SFZ6 S[4 ~FP)4Z(4_Z_qvGL ZSDDF\YL ~FP V[S ,FB DFGl;S +F;GF T[DH ~FPZ54___qv BR"GF AFN SZM TM 56 VF ZSD VDMG[ R}SJJFGL ZC[P VFD T[DGF H VM0"ZDF\ H lJZMWFEF; :5Q8 H6FI K[4 VDFZL p5ZMST V5L,G[ 56 GFDPV[DP0LPXFC ;FC[A[ !*qZ$ GF VM0"ZDF\ ZSD ,BJFDF\ YI[, E},G[ :JLSFZLG[ NFB, SZ[, VG[ SM8" G\Z GF GFDP5ZDFZ ;FC[A[ 56 p5ZMST SFDGF ;FD[JF/FG[ !))( GL 8d;" VG[ Sg0LXGF N.R.Kshatriya R.A.No-4/2022 Page 2 of 6
5|DF6[GF jIFHNZ U6L SM:8S AGFJJFGL T[D H VDMG[ VDFZF lOS; l05MhL8GL Z;LNMGL GS, VF5JF ;}RG SZ[, H[ AFAT[ VDMV[ GFDPSM8" ;D1F JFZ\JFZ SC[, K[ ccP s#f WL .0Z GFUlZS ;CSFZL A[gS ,LPV[ HJFA VF%IM K[ S[4 V5L, G\P$&_qZ_!) GF SFD[ lJUTJFZ HHD[g8 OZDFJL C]SD SZ[, K[ tIFZ[ CF,GL ZLjI] VZHL T[ H H}GF SFZ6[ H6FJL SZ[,L CMI T[YL ZN YJF 5F+ K[P ZLjI] VZHLDF\ SM8" ;D1F VF1F[5 SIF"

l;JFI SF\. H GYLP s$f V[5[,g8qVZHNFZG[ TYF WL .0Z GFUlZS ;CSFZL A[gS ,LP TZO[ lJPJPzL 5LPH[P;MGLG[ ;F\E?IFP s5f V5L, G\P$&_qZ_!) GF DHS}Z 9ZFJDF\ cc sZf OZLIFNL lD:+L HI\lTEF.

lJ9',NF;[ .0Z GFUZLS ;CSFZL A[gS ,LP lJ~wW ;F\AZSF\9F lH<,FGF U|FCS TSZFZ lGJFZ6 ;D1FGL U|FCS NZBF:T VZH G\P_$qZ__)YL OZLIFN NFB, SZ[,L H[ OZLIFN VG[ T[ p5ZGL GFDNFZ U]HZFT ZFHI U|FCS SlDXG O:8" V5L, G\PZ&)qZ_!_GM R]SFNM ZN SZL Sgh]DZ 0L:%I]8 ZL0Z;, SlDXGG[ ZLJLhG 5L8LXG G\P#(*!qZ_!! GF SFD[ OZLIFNLGL TFP!*q$qZ_!# GF ZMH ZLJLhG VZHL D\H]Z SZL ;FDFJF/FG[ C]SD OZDFJ[, S[4 T[D6[ OZLIFNLGL ZSD !))(GF SZFZGL XZTM D]HA R]SJL VF5JL VG[ tIFZ 5KL 5FSTL D]NT AFN A[gS wJFZF H[ jIFHGM NZ V5GFjIM CMI T[ J;], YTF ;]WLGF jIFHGF NZ[ R}SJL VF5J\]Ps#f OZLIFNLV[ U|FCS NZBF:T VZHL G\P_)qZ_!) NFB, SZ[,L S[4 G[XG, Sgh]DZ ;D1FGL ZLJLhG 5L8LXG G\P#(*!qZ_!! GF SFD[ YI[, C]SD D]HA T[DH tIFZAFN NZBF:TGF SFD[ U]HZFT ZFHI Sgh]DZ 0L:%I]8 ZL0Z;, SlDXG VDNFJFNGL ZLJLhG V[%,LS[XG G\PZ$qZ_!* GF SFD[ YI[, C]SD D]HA jIFH ;FY[GL ZSD #!q!ZqZ_!) ;]WL ~FP*45)4(## jIFH ;FY[ R]SJJFGM C]SD VYJF G[XG, SlDXGGF C]SD 5|DF6[ #!q#qZ_!) ;]WL ,[JFGL AFSL GLS/TL ZSD ~FP&Z4_&(v(Z R]SJ[ tIF\;]WL jIFH ;FY[ R]SJL VF5JF4 ~FP!5 ,FB DFGl;S +F;GF J/TZ 5[8[ R]SJL VF5JF T[DH BR" 5[8[ ~FP +6 ,FB R]SJL VF5JF T[JM C]SD SZJF NZBF:T SZ[,LPs$f N.R.Kshatriya R.A.No-4/2022 Page 3 of 6 DH]SZ SFD[ ;FAZSF\9F lH<,F U|FCS TSZFZ lGJFZ6 OMZD[ TFPZ*q&qZ_!) GFZMHGF C]SDYL DHS]Z NZBF:T VZHL GFD\H]Z SZ[,L VG[ T[ V[ SFZ6;Z S[4 VZHNFZG[ TFPZ#q!qZ_!$ GFZMH ~FP $4Z54&$#qv TFP(q(qZ_!* GFZMH ~FPZ4*#4#**qv VG[ TFP$q&qZ_!( GFZMH ~FPZ4Z)4___qv D/L S], ~FP)4Z(4_Z_qv R}SJ[, K[ VF ZSD )P5P8SFGF jIFH GF NZ[ R}SJ[, K[4 H[ ZSD T[DG[ D/JF 5F+ ZSD SZTF 56 JWFZ[ R}SJFI[, K[P VF C]SDYL GFZFH Y.G[ CF,GL V5L, SZ[, K[Ps5fV[5[,g8 TZO[ T[DGF

5|lTlGlWzLG[ ~A~DF\ ;F\E?IF4 T[DGL ,[BLT N,L,M J\RF6[ ,LWLP lZ:5Mg0g8 TZO[ lJwJFG JSL,zL 5LPH[P;MGLG[ ;F\E?IFPs&fV[ :5Q8 K[ S[4 VF V5L, SM. ;HFGF C]SD ;FD[ GYL4 H[YL V5L, RF,L XS[ GlC\P J/L NZBF:TGF SFD[ SZ[, C]SD ;FD[ 56 ZLJLhG VZHL 56 RF,L XS[ GlC\Ps*f A[gS TZO[ jIFH NZ AFAT[GF 9ZFJ G\P!! TFP!Zq$qZ__* GM ZH] SIM" K[P H[ D]HA !&q$qZ__* YL #& DF; S[ T[YL p5Z DF8[ YF56 p5Z )P5_@ jIFH NZ K[ VG[ T[ D]HAGL ZSDM R}SJFI[,FG\] SM:8S ZH] SZ[, K[ H[DF\ 5FSIF TFZLB 5KLGF jIFH NZ )P5_@ U6[, K[P s!f lD:+L HI\lT,F, lJ9',NF;GL A[ AF\WL D]NTGL Z;LNM 4S], ~FP5!4#&_ GL 5FSTL ZSD p5Z 5FSTL D]NT TFP!#q$qZ__( YL Z#q!qZ_!$ ;]WLGF Z!!! lNJ; DF8[ ~FPZ(4Z!)qvG\] jIFH pD[ZTF ~FP*)45)*qvJtTF sZf lN5,A[G HI\lT,F, lD:+L4 D\U/FA[G HI\lT,F, lD:+L4 VG[ HLT[XS]DFZ HI\TL,F, DL:+LGL S], ~FP!4*!4Z__qvGL 5FSTL ZSD 5Z 5FSTL D]NT #q*qZ__( YL Z#q!qZ_!$ ;]WLGF Z4_Z) lNJ; DF8[ )_4$!_qv~l5IFG\] jIFH D/L ~FPZ4&!4&!_qv D/L S], ~FP#4$!4!()qv ;FD[ ~FP$4Z54&$#qv R}SJFIF K[Ps#f HI\TL,F, lJ9',NF; lD:+LGL TFP#_q)qZ__( GFZMH 5FSTL ZSD ~FP!4#&4)&_ p5Z #_q)qZ__( YL (q(qZ_!* ;]WL lNJ; #4Z#$ DF8[ ~FP!4!54Z(#qv D/L S], ~FPZ45Z4Z$# GL ;FD[ TFP(q(qZ_!* GFZMH ~FPZ4*#4#**qv R]SJFIF K[ VG[4 s$f HI\lT,F, lJ9',NF; lD:+LGL TFP)q!_qZ__( GFZMH 5FSTL ZSD ~FP&(4$(_qv p5Z TFP)q!_qZ__( YL N.R.Kshatriya R.A.No-4/2022 Page 4 of 6 $q&qZ_!( ;]WLGF #5Z# lNJ; DF8[ ~FP&Z4*)Zqv jIFHGF D/L S], ~FP!4#!4Z*Zqv ;FD[ TFP$q&qZ_!( GFZMH ~FPZ4Z)___qvR}SJL VF5JFDF\ VFjIF K[ VYF"T S[ R}SJJF 5F+ YTL ZSD ~FP*4Z$4*_$qv ;FD[ ~FP)4Z(_Z_qvA[gS wJFZF R]SJFI[, K[P VF jIFHGL U6TZLVM VD[ U6L HMTF\ 56 T[ H D]HAGL VFJ[ K[P H[YL GFDNFZ G[XG, SlDXGGF R]SFNF D]HA VZHNFZG[ SM. ZSD A[gS 5F;[ ,[JFGL YTL GYL4 p<8FG\] ;FD[ R}SJJFG\] YFI K[Ps(fGFDNFZ G[XG, SlDXGGM DHS]Z VZHNFZG[ SM. DFGl;S +F; J/TZGL ZSD S[ BR"GL ZSD R]SJJFGM C]SD GYL H[YL T[ DF\U6LVM GFDNFZ OMZD wJFZF IMuI ZLT[ GSFZFI[, K[Ps)f ;AA OZLIFNLGL V5L, U]6NMQF 5Z 8SJF5F+ G CMI T[ ZN SZL C]SD OZDFJL NZBF:TGF SFDGM C]SD SFID ZFbIM K[ cc s&f DHS]Z 9ZFJ HHD[g8GF OSZF G\P# DF\ :5Q8 K[ S[4 Sgh]DZ 0L:%I]8 ZL0Z;, SlDXGG[ ZLJLhG 5L8LXG G\P#(*!qZ_!! GF SFD[ YI[, C]SD D]HA T[DH tIFZAFN NZBF:TGF SFD[ :8[8 SlDXG ;D1FGL ZLJLhG V[%,LS[XG G\PZ$q!* GF SFD[ YI[, C]SD D]HA jIFH ;FY[GL ZSD TFP#!q!ZqZ_!) ;]WL ~FP*45)4(##qvjIFH ;FY[ R}SJJFGM C]SD TYF G[XG, SlDXGGF C]SD 5|DF6[ TFP#!q#qZ_!) ;]WL ,[JFGL AFSL GLS/TL ZSD ~FP&Z4_&(v(Z R}SJ[ tIF\;]WL jIFH ;FY[ R]SJL VF5JF TYF ~FP!5 ,FB DFGl;S +F;GF J/TZ 5[8[ TYF BR" 5[8[ ~FP +6 ,FB R}SJL VF5JFDF\ VFJ[ T[JL T[ NZBF:TDF\ DF\U6L SZ[,LP CJ[ VCL ZLjI] VZHLDF\ H6FjI] K[ S[4 :8[8 SlDXG ;D1FGL ZLJLhG VZHL G\PZ$qZ_!* GF SFD[ jIFH O[ZGF ~FP!4_$4___qv ~FP V[S ,FB J/TZ VG[ ~FPZ5 CHFZ BR"GF 56 R}SJJFGM C]SD SZ[, K[ H[G[ V5L,DF\ wIFG[ ,LWF GYLP T[DGL VF TSZFZ VF SFD[ 8SL XS[ T[D GYL SFZ6 S[4 T[D6[ V5L,DF\ H6FjIF D]HAGL DF\U6LDF\ T[ ZSD H6FJL GYL T[YLP V5L, G\P$&_q!) GF SFD[ ~FP*4Z$4*_$qvGL ZSD R}SJJF 5F+ CTL T[GL ;FD[ ~FP)4Z(4_Z_qvA[gS wJFZF R]SJJFDF\ VFjIF K[ T[J\] GLR[GL VNF,TDF\ GM\WJFDF\ VFJ[, CT] VG[ T[ V+[ U6TZL SZTF\ 56 T[ H D]HA ZSD VFJ[,L K[P CJ[ ~FP*4Z$4*_$qvGL ;FD[ ~FP)4Z(4_Z_qvR}SJFIF CMI T[ CSLST K[ N.R.Kshatriya R.A.No-4/2022 Page 5 of 6 T[DF\ SM. O[ZOFZ SZFJL XS[ T[D GYLP A[gS VF AFAT[ TOFJTGL ZSD HIFZ[ A[gS DF\U[ tIFZ[ :8[8 SlDXGGL ZLJLhG D]HA ,[JFGF YTF\ CTF ~l5IFG[ HJFADF\ ATFJL XS[ T[D K[ 5Z\T] T[ lGlJ"JFN K[ S[ T[D6[ GLR[GL VNF,TDF\ NZBF:TDF\ T[ ZSDGL DF\U6L SZ[,L GCTL H[YLPNZBF:TGM V[ C]SD SFID ZFBJFDF\ VF SlDXGGL SM. Z[S0" p5Z E}, GYL J/L OlZIFNL JTL ZSD S[JL ZLT[ JW] GYL R}SJF. T[ lJQF[ NZBF:TGF SFDDF\ SM. OM0 GYLP V+[ V5L,DF\ 56 A[gS T[ lJQF[ B],F;M SZL XS[, GCL\4 H[ ;\HMUMDF\ NZBF:TGF SFDDF\ VG[ V5L,DF\ JWFZ[ ZSD R}SJFIFG\] GM\W[, K[ T[ jIFHAL K[4 T[ V\U[ Z[S0" 5ZGL SM. E}, GYL H[YL VF ZLjI] VZHL GFD\H]Z SZJF IMuI K[P s*f J/L VF C]SDDF\ V[J\] 56 GM\WJFDF\ VFjI] K[ S[4 G[XG, SlDXG D]HA VZHNFZG[ SM. DFGl;S +F;GF ~FP!5 ,FB S[ BR"GF ~FP +6 ,FB S[ V[JL SM. ZSD R}SJJFGM C]SD GYL VG[ T[YL T[ DF\U6L GFDPOMZD[ IMuI ZLTG[ GSFZFI[, K[ T[J\] 9ZFJJFDF\ VFjI] K[ VF lJQF[ 56 Z[S0" p5ZGL SM. E}, GYL T[YL 56 VF ZLjI] VZHL GFD\H}Z YJF IMuI K[ s(f ;AA VZHNFZGL CF,GL VZHL U]6NMQF 5Z 8SJF5F+ G CMI T[ ZN SZTM GLR[ D]HAGM C]SD OZDFJ] K\]P oooooo C] S D ooooo s!f ZLjI] VZHL G\P$qZ_ZZ ZN SZJFDF\ VFJ[ K[P sZf BR" V\U[ SM. C]SD GYLP VF C]SDGL V[S GS, 51FSFZMG[ lJGF D]<I[ DMS,L VF5JLP VFH TFZLBo (DL4 DFC[vV[l5|,4 Z_ZZ GF ZMH C]SD HFC[Z SIM"P s l5|TL VFZPXFC f sV[;PV[GPJSL,f D[dAZ gIFlIS D[dAZ N.R.Kshatriya R.A.No-4/2022 Page 6 of 6