State Consumer Disputes Redressal Commission
Ishwar Lal Dewangan vs Manager Shivnath Auto Mobiles Pvt.Ltd. ... on 9 October, 2017
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miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad%FA/2016/653 lafLFkr fnukad17.10.2016 bZ'oj yky nsokaxu] vk- Lo- Jh /keZjkt nsokxau] vk;q 27 o"kZ] fuoklh& xzke o iks- nsojchtk] rg- csjyk] Fkkuk&csesrjk¼N-x-½ ----vihykFkhZ@ifjoknh fo:) 1- izca/kd] f'koukFk vkWVks eksckbZYl izk-fy-] th-bZ-jksM] lqisyk] fHkykbZ] ftyk&nqxZ¼N-x-½ 2- izca/kd] eSXek fQudkiZ fyfeVsM] ekQZr gksVy vkea=.k] lR;'kkafr dkWEiysDl] th-bZ-jksM] lqisyk] fHkykbZ] ftyk&nqxZ¼N-x-½ 3- izca/kd] dksVd efgUnzk xksYM E;qpqvt ykbZQ ba';ksjsal da-fy-] 7 oha efty] fcfYMax ua- 21] bufQfuVh ikdZ vkWQ osLVuZ ,Dliszl gkbZos] tujy ,-ds-oS/k ekxZ eykM¼iwoZ½ eqEcbZ] egkjk"Vª 4- chek czksdj] vkdk'k oekZ }kjk eSXek fQudkiZ] gksVy vkea=.k ds ikl] lqisyk] fHkykbZ] ftyk&nqxZ¼N-x-½ 5-,fj;k eSustj] jkds'k egkfMd] eSXek fQudkiZ] gksVy vkea=.k] th-bZ-jksM] lqisyk] fHkykbZ] ftyk&nqxZ ¼N-x-½- [email protected] le{k% ekuuh; U;k;ewfrZ vkj-,l-'kekZ] v/;{k ekuuh; Jh Mh-ds-iksn~nkj] lnL;
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// 2 // i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh vkj-ds-Hkkoukuh] vf/koDrkA mRrjoknh dz-1 vuqifLFkrA mRrjoknh dz-2 o 5 dh vksj ls Jh jkds'kiqjh] vf/koDrkA mRrjoknh dz-3 dh vksj ls Jh Mh-,y-jkBkSj vf/koDrkA mRrjoknh dz-4 vuqifLFkrA vkns'k fnukad% 09@10@2017 }kjk%&ekuuh; Jh Mh-ds-iksn~nkj] lnL;
vihykFkhZ us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] nqx¼Z N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&lh-lh-@15@279 **bZ'oj yky nsokaxu fo:) izca/kd] f'koukFk vkWVks eksckbZYl izk-fy- o vU;** esa ikfjr vkns'k fnukad& 29-08-2016 ftlds }kjk ifjoknh ds ifjokn dks fujLr fd;k x;k gS] ls nqf[kr gksdj izLrqr fd;k x;k gSA 2- vihykFkhZ@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd vihykFkhZ@ifjoknh ds firk /keZjkt nsokaxu us fnukad 05-04-2014 dks vfHkdfFkr efgUnzk tkbyks Mh&2 okgu] Qk;usal lqfo/kk eSXek fQudkiZ fyfeVsM ds ;gka ls gqvk] mls mRrjoknh dz- 1@vukosnd dz-1 ls [kjhnkA mDr okgu dks izsjd Jh vkdk'k oekZ }kjk 7]22]217@&¼lkr yk[k ckbZl gtkj nks lkS l=g :i;s½ esa Qk;usal lqfo/kk 5]92]000@&¼ikap yk[k fc;kucs gtkj :i;s½ ekftZu euh 1]30]217@&¼,d yk[k rhl gtkj nks lkS l=g :i;s½] ,Mokal 20]927@&¼chl gtkj ukS lkS lRrkbZl :i;s½] izkslsflax Qhl 4]975@&¼pkj gtkj ukS lkS ipgRrj :i;s½ eSXek yksu lqj{kk ;kstuk esa 9]226@&¼ukS gtkj nks lkS NCchl :i;s½ crk;k x;kA mDr okgu dk chek bQdks Vksfd;ksa esa djk;k x;kA vihykFkhZ@ifjoknh ds firk }kjk mDr okgu izkfIr ds iwoZ fnukad 02-04-2014 dks mRrjoknh dz-
// 3 // 1@vukosnd dz-1 }kjk 5]000@&¼ikap gtkj :i;s½ okgu dh cqfdax jkf'k] o 2]54]312@&¼nks yk[k pkSOogu gtkj rhu lkS ckjg :i;s½ dqy 2]59]312@&¼nks yk[k mulB gtkj rhu lkS ckjg :i;s½ izkIr fd;k x;k] ftlesa okgu Mkmu isesaV] jftLVsª'ku] chek ,oa Qk;usal jkf'k rFkk lqj{kk ;kstuk okLrs chek dh jkf'k izkIr dh xbZA Qk;usal mRrjoknh dz- 2@vukosnd dz-2 }kjk dh xbZA vihykFkhZ@ifjoknh ds firk }kjk nks fd'rksa dk Hkqxrku fd;k x;k rFkk mRrjoknh dz-2@vukosnd dz-2 dks fofHkUu jde lfgr 48 fd'rsa vnk djuh Fkh] blh chp fnukad 20-05- 2014 dks vihykFkhZ@ifjoknh ds firk /keZjkt nsokaxu dh e`R;q gks xbZA vihykFkhZ@ifjoknh ds firk ds n'kxk= ,oa 'kkafr Hkkst i'pkr~ fnukad 02- 06-2014 dks vihykFkhZ@ifjoknh }kjk [email protected] ls laidZ dj vius firk }kjk yksu lqj{kk chek ;kstuk ls lEc) ikWfylh isij dh ekax dh xbZ] rc mRrjoknh dz-1@vukosnd dz-1 us dgk fd mRrjoknh dz-2@vukosnd dz-2 ds ikl ikWfylh gksxk rFkk mRrjoknh dz- 2@vukosnd dz-2 ls lEidZ djus ij ;g dgk x;k fd ikWfylh rks mRrjoknh dz-3@vukosnd dz-3 ds ikl gS] mRrjoknh dz-3@vukosnd dz- 3 ls laidZ djus ij ;g dgk x;k fd vHkh cuk ugha gS] dkxt v/kwjk gS] cu ugha ik;k gS] ckn esa ns[k ysuk] dy vk tkuk] ns nsaxsA fnukad 03-06- 2014 dks vihykFkhZ@ifjoknh iqu% [email protected] ls laidZ fd;k rks [email protected] us dgk fd ikWfylh ckn esa ns nsaxs] rc vihykFkhZ@ifjoknh ijs'kku gks x;k] mlds firk dks tkjh Qk;usal yksu lqj{kk ;kstuk ds v/khu ikWfylh vfoyEc iznku ugha dh xbZ] tcfd ikWfylh/kkjd dh e`R;q i'pkr~ mlds mRrjkf/kdkfj;ksa dks Qk;usal _.k dh jde dks vnk ugha djuk iMs+xk] fdarq [email protected] }kjk ?kfV;k lsokvksa ds lkFk&lkFk vihykFkhZ@ifjoknh dks 'kkjhfjd] ekufld vkSj vkfFkZd :i ls izrkfM+r fd;k x;k] rc vihykFkhZ@ifjoknh us vius vf/koDrk ds ek/;e ls fnukad 04-06-2014 dks jftLVMZ uksfVl izsf"kr djok;kA [email protected] dk mijksDr d`R; lsok esa // 4 // deh ,oa O;olkf;d dnkpj.k dh Js.kh esa vkrk gSA vr% vihykFkhZ@ifjoknh }kjk [email protected] dh bl lsok esa deh ds fy;s vius ifjokn i= dh dafMdk ^^izkFkZuk** esa of.kZr vuqlkj vuqrks"k fnyk;s tkus dk fuosnu fd;k gSA 3- vihykFkhZ@ifjoknh }kjk vius i{k leFkZu esa ftyk Qksje ds le{k ,y-vkbZ-lh- dksVd fyQkQk fujad QksVksdkih¼Anx A-1½] dksVd xqzi ba';ksjsal Hkwou yky fnukad 16-03-2013 dh QksVksdkih ¼Anx A-2½] fuokZpu dkMZ /keZjkt nsokaxu fnukad 09-10-2013 dh QksVksdkih¼Anx A-
3½] e`R;q izek.k i= fnukad 20-05-2014 dh QksVksdkih¼Anx A-4½] jlhn fnukad 05-04-2014 ] 02-04-2014 dh QksVksdkih¼Anx A-5½] esXuk fQudkiZ jlhn fnukad 13-05-2014 dh QksVksdkih¼Anx A-6½] vf/koDrk uksfVl jlhn 05-06-2014 dh QksVksdkih ¼Anx A-7½]esXuk fQudkiZ fy- dh vksj ls iziksty i= fnukad 20-05-2014 dh QksVksdkih okgu izkfIr ua- 2359 fnukad 04-04-2014 dh QksVksdkih ¼Anx A-8½] okgu chek fnukad 15-05-2014¼Anx A-9½] dksVd efgUnzk vksYM E;qpy ykbZQ ba';ksjsal i= fnukad 15-07-2014 dh QksVksdkih¼Anx A-10½] vf/koDrk uksfVl fnukad 04-06-2014 dh QksVksdkih¼Anx A-11½] fyQkQk okilh fnukad 05-06-2014 dh QksVksdkih¼Anx A-12½] nSfud HkkLdj lekpkj i= fnukad 12-02-2015 ewy nLrkost izLrqr fd;k x;k gSA 4- mRrjoknh dz-1@vukosnd dz-1 dh vksj ls ftyk Qksje ds le{k tokcnkok izLrqr dj vfHkopu fd;k x;k fd mRrjoknh dz-1@vukosnd dz-1 }kjk vfHkdfFkr okgu ds laca/k esa vihykFkhZ@ifjoknh ls 2]59]312@&¼nks yk[k mulB gtkj rhu lkS ckjg :i;s½ izkIr fd;s x;s FksA vihykFkhZ@ifjoknh dk fookn mRrjoknh dz-2@vukosnd dz-2 vkSj mRrjoknh dz-3@vukosnd dz-3 ls rFkk mRrjoknh dz-1@vukosnd dz-1 xzkgdksa ls izkIr jkf'k ds vk/kkj ij okgu dk fodz; djrs gSaA mDr fodz;
// 5 // jkf'k xzkgd Qk;usal vFkok Lo;a ds L=ksr ls vnk djus ds laca/k esa mRrjoknh dz-1@vukosnd dz-1 ds fy, fopkj.kh; ugha gksrkA Qk;usal ,oa chek ls lacaf/kr nLrkostksa dk fu"iknu xzkgdksa dh :fp ds vuqlkj gksrk gSA mRrjoknh dz-1@vukosnd dz-1 xzkgdksa }kjk iznRr chek ds dOgj uksV ds vk/kkj ij okgu dh lqiqnZxh dh tkrh gSA lqj{kk ;kstuk ds rgr ikWfylh izek.k i= tkjh djus dk vf/kdkjh mRrjoknh dz- 1@vukosnd dz-1 dks ugha gS rFkk mDr dk;Z ds fy, mRrjoknh dz- 1@vukosnd dz-1 fdlh Hkh rjg ls ftEesnkj ugha gSA ikWfylh gsrq vihykFkhZ@ifjoknh Lo;a viuh :fp ls daiuh dk p;u dj chek djkrk gS] Qyr% vihykFkhZ@ifjoknh dks mRrjoknh dz-1@vukosnd dz-1 }kjk fdlh Hkh rjg ls ekufld ;k vkfFkZd {kfr ugha igqapkbZ xbZ gSA mDr vk/kkj ij mRrjoknh dz-1@vukosnd dz-1 }kjk vihykFkhZ@ifjokn dk ifjokn fujLr fd;s tkus dk fuosnu fd;k x;kA 5- mRrjoknh dz-1@vukosnd dz-1 }kjk vius i{k leFkZu esa ftyk Qksje ds le{k vkosnd dks tkjh jlhn fnukad 05-04-2014 udy ¼Annexure NA-1½] vkosnd dks tkjh jlhn fnukad 01-04-2014 udy ¼Annexure NA-2½] nLrkost izLrqr fd;k x;k gSA 6- mRrjoknh dz-2 ,oa 5@vukosnd dz-2 ,oa 5 dh vksj ls ftyk Qksje ds le{k tokcnkok izLrqr dj vfHkopu fd;k x;k fd mRrjoknh dz-2@vukosnd dz-2 }kjk okgu dz; fd;s tkus gsrq _.k lqfo/kk iznku dh tkrh gSA _.kh /keZjkt nsokaxu }kjk mRrjoknh dz-2@vukosnd dz-2 laLFkk ls eSXek yksu lqj{kk ;kstuk dh lsok izkIr ugha dh vkSj uk gh mDr laca/k esa dksbZ 'kqYd mRrjoknh dz-2@vukosnd dz-2 dks iznRr dh xbZ gSA vihykFkhZ@ifjoknh ds firk /keZjkt nsokaxu }kjk mRrjoknh dz- 2@vukosnd dz-2 laLFkk ls okgu dz; djus gsrq _.k izkIr fd;k Fkk] // 6 // mDr laca/k esa vihykFkhZ@ifjoknh ds firk ,oa mRrjoknh dz-2@vukosnd dz-2 ds e/; ,d vuqca/k fu"ikfnr fd;k x;k FkkA mDr vuqca/k ds vuqlkj _.k jkf'k fu;r le; ij _.kh }kjk mRrjoknh dz-2@vukosnd dz-2 dks iznku u dj vuqca/k dh 'krksZa dk mYya?ku fd;k x;k rFkk vuqcaf/kr okgu dk dCtk izkIr dj _.k dh vnk;xh uk gksus dh fLFkfr esa mDr okgu dks fodz; fd;k x;k] rRi'pkr~ mDr fodz; laO;ogkj ls izkIr jde dks _.kh ds _.k [kkrs esa lek;ksftr fd;s tkus ds i'pkr~ cdk;k jde izkIr fd;s tkus gsrq vuqca/kkuqlkj mDr fookn dk fuiVkjk e/;LFke o lqyg vf/kfu;e 1996 ds izko/kkuksa ds vuqlkj vihykFkhZ@ifjoknh ds firk /keZjkt nsokaxu ds fo:) vokMZ ikfjr dj _.k dh cdk;k jkf'k dh vnk;xh dk nkf;Ro vf/kjksfir fd;k gS] blfy, izdj.k fof/k }kjk oftZr gksus ls ftyk Qksje }kjk izLrqr izdj.k fopkj.k ;ksX; ugha gSA vihykFkhZ@ifjoknh }kjk mRrjoknh dz- 2@vukosnd dz-2 laLFkk ds fo:) ekuuh; ftyk U;k;k/kh'k csesrjk ds le{k yafcr fu"iknu izdj.k ds laca/k esa ;g tkurs gq, fd og fuf.kZr_.kh dk fof/kd mRrjkf/kdkjh gS ,oa fMdzh dh jkf'k vnk;xh dk fof/kd nkf;Ro mldk gS] vius fof/kd nkf;Roksa ds fuoZgu ls cpus ds mn~ns'; ls mRrjoknh dz-2@vukosnd dz-2 laLFkku ds fo:) >wBk okn izLrqr fd;k gSA mijksDr vk/kkj ij mRrjoknh dz-3@vukosnd dz-3 ,oa mRrjoknh dz-5@vukosnd dz-5 }kjk fuosnu fd;k gS fd vihykFkhZ@ifjoknh dk ifjokn fujLr fd;k tkosA 7- mRrjoknh dz-2@vukosnd dz-2 ,oa mRrjoknh dz-5@vukosnd dz-5 }kjk vius i{k leFkZu esa ftyk Qksje ds le{k eq[r;kjukek fnukad 11-02-2014 udy ¼Anx NA2-1½] _.k fooj.k 21-06-2016 udy ¼Anx NA2-2½] _.k vuqca/k fnukad 25-04-2014 udy ¼Anx NA2-3½] e/;LFke vokMZ fnukad 25-06-2015 udy ¼Anx NA2-4½] gdj'kh vkosnu // 7 // 15-10-2015 udy¼Anx NA2-5½] fu"iknu vkosnu fnukad 15-10-2015 udy ¼Anx NA2-6½ nLrkost izLrqr fd;k x;k gSA 8- mRrjoknh dz-3@vukosnd dz-3 dh vksj ls ftyk Qksje ds le{k tokcnkok izLrqr dj vfHkopu fd;k x;k fd vihykFkhZ@ifjoknh }kjk vlR; vk/kkjksa ij ifjokn izLrqr fd;k x;k gSA mRrjoknh dz- 3@vukosnd dz-3 chek daiuh ls vfHkdfFkr dtZ dh lqj{kk gsrq chek ikWfylh tkjh gh ugha dh xbZ Fkh] vihykFkhZ@ifjoknh }kjk tks chek dk izek.k izLrqr fd;k x;k gS] og vfHkdfFkr chfer O;fDr ds uke ls ugha gS] cfYd fdlh vU; O;fDr Hkqou yky ds uke ls tkjh fd;k x;k nLrkost gS] vihykFkhZ@ifjoknh ds firk }kjk dtZ dh lqj{kk ds fy, chek djk;s tkus dk fodYi gh ugha fy;k x;k Fkk vkSj blfy, mDr laca/k esa chek ikWfylh tkjh ugha gksus ds dkj.k vihykFkhZ@ifjoknh ds le{k dksbZ okn dkj.k Hkh ugha gS] ftlds laca/k esa vihykFkhZ@ifjoknh dks iwoZ esa gh fyf[kr esa lwfpr dj fn;k x;k Fkk] vihykFkhZ@ifjoknh us ftl izek.k dks Hkqou yky dk izLrqr fd;k x;k gS mldk og ,d fHkUu laO;ogkj Fkk tks ekpZ 2013 esa tkjh fd;k x;k Fkk] tcfd vihykFkhZ@ifjoknh ds firk }kjk dtZ 2014 esa fy;k x;k Fkk] bl izdkj vihykFkhZ@ifjoknh us Hkqou yky dk chek izek.k i= izLrqr fd;k] bldk dkj.k vihykFkhZ@ifjoknh us izLrqr ugha fd;k gS] QyLo:i mRrjoknh dz-3@vukosnd dz-3 }kjk vihykFkhZ@ifjoknh dks dksbZ lsok nsus dk mRrjnkf;Ro ugha curk gSA mijksDr vk/kkj ij mRrjoknh dz-3@vukosnd dz-3 }kjk fuosnu fd;k gS fd vihykFkhZ@ifjoknh dk ifjokn fujLr fd;k tkosA 9- mRrjoknh dz-3@vukosnd dz-3 }kjk vius i{k leFkZu esa ftyk Qksje ds le{k bZesy dh izfr fnukad 17-12-2014 dh QksVksizfr // 8 // ¼NA izn'kZ/1 ½] dksVd ykbQ ba';ksjsal dk i= fnukad 16-03-2013 dh QksVksizfr¼NA izn'kZ/2 ½] fMDyjs'ku QkeZ fnukad 16-03-2013 dh QksVksizfr¼NA izn'kZ/3 ½] dksVd ykbQ ba';ksjsal dk i= fnukad 15-07-2014 dh QksVksizfr ¼NA izn'kZ/4 ½] vf/koDrk uksfVl fnukad 04-06-2014 dh QksVksizfr¼NA izn'kZ/5 ½] MAIL CORRESPOND ENCE fnukad 17-12-2014 to 03-12-2014 dh QksVksdkih¼NA izn'kZ/6 ½] MAIL CORRESPOND ENCE fnukad 16-03-2013 dh QksVksdkih¼NA izn'kZ/7 ½] tokc fnukad 15-07-2014 dh QksVksdkih ¼NA izn'kZ/8 ½] nLrkost izLrqr fd;k x;k gSA 10- ftyk Qksje }kjk mHk;i{kksa dh vksj ls izLrqr nLrkosth lk{;ksa ,oa 'kiFki=ksa ds ifj'khyu ds i'pkr~ vihykFkhZ@ifjoknh dk ifjokn] ;g fu"d"kZ fudkyrs gq, fd vihykFkhZ@ifjoknh us yksu lqj{kk chek dk fodYi ysus laca/kh nLrkost is'k ugha fd;k gS u gh mDr ikfylh gsrq izhfe;e jkf'k vnk fd;k gS bl fLFkfr esa vukosndx.k dk d`R; lsok esa fuEurk ,oa O;olkf;d nqjkpj.k dh Js.kh esa ugha vkrk gS] fujLr fd;k gSS] ftlds fo:) ;g vihy gSA 11- vihykFkhZ@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vkj-ds-Hkkoukuh us fyf[kr rdZ izLrqr dj ;g vk/kkj fy;k gS fd vihykFkhZ@ifjoknh ds firk /keZjkt nsokaxu us fnukad 05-04-2014 dks vfHkdfFkr efgUnzk tkbyks Mh&2 okgu] Qk;usal lqfo/kk eSXek fQudkiZ fyfeVsM ds ;gka ls gqvk] mls mRrjoknh dz-1@vukosnd dz-1 ls [kjhnkA mDr okgu dks izsjd Jh vkdk'k oekZ }kjk 7]22]217@&¼lkr yk[k ckbZl gtkj nks lkS l=g :i;s½ esa Qk;usal lqfo/kk 5]92]000@&¼ikap yk[k fc;kucs gtkj :i;s½ ekftZu euh 1]30]217@&¼,d yk[k rhl gtkj nks lkS l=g :i;s½] ,Mokal 20]927@&¼chl gtkj ukS lkS lRrkbZl :i;s½] izkslsflax Qhl 4]975@&¼pkj gtkj ukS lkS ipgRrj :i;s½ eSXek yksu lqj{kk ;kstuk esa 9]226@&¼ukS gtkj nks lkS NCchl :i;s½ crk;k x;kA // 9 // mDr okgu dk chek bQdks Vksfd;ksa esa djk;k x;kA vihykFkhZ@ifjoknh ds firk }kjk mDr okgu izkfIr ds iwoZ fnukad 02-04-2014 dks mRrjoknh dz-1@vukosnd dz-1 }kjk 5]000@&¼ikap gtkj :i;s½ okgu dh cqfdax jkf'k] o 2]54]312@&¼nks yk[k pkSOogu gtkj rhu lkS ckjg :i;s½ dqy 2]59]312@&¼nks yk[k mulB gtkj rhu lkS ckjg :i;s½ izkIr fd;k x;k] ftlesa okgu Mkmu isesaV] jftLVsª'ku] chek ,oa Qk;usal jkf'k rFkk lqj{kk ;kstuk okLrs chek dh jkf'k izkIr dh xbZA Qk;usal mRrjoknh dz- 2@vukosnd dz-2 }kjk dh xbZA vihykFkhZ@ifjoknh ds firk }kjk nks fd'rksa dk Hkqxrku fd;k x;k rFkk mRrjoknh dz-2@vukosnd dz-2 dks fofHkUu jde lfgr 48 fd'rsa vnk djuh Fkh] blh chp fnukad 20-05-2014 dks vihykFkhZ@ifjoknh ds firk /keZjkt nsokaxu dh e`R;q gks xbZA vihykFkhZ@ifjoknh ds firk ds n'kxk= ,oa 'kkafr Hkkst i'pkr~ fnukad 02-06-2014 dks vihykFkhZ@ifjoknh }kjk mRrjoknhx.kksa@ vukosndx.kksa ls laidZ dj vius firk }kjk yksu lqj{kk chek ;kstuk ls lEc) ikWfylh isij dh ekax dh xbZ] rc mRrjoknh dz-1@vukosnd dz-1 us dgk fd mRrjoknh dz-2@vukosnd dz-2 ds ikl ikWfylh gksxk rFkk mRrjoknh dz-2@vukosnd dz-2 ls lEidZ djus ij ;g dgk x;k fd ikWfylh rks mRrjoknh dz-3@vukosnd dz-3 ds ikl gS] mRrjoknh dz- 3@vukosnd dz-3 ls laidZ djus ij ;g dgk x;k fd vHkh cuk ugha gS] dkxt v/kwjk gS] cu ugha ik;k gS] ckn esa ns[k ysuk] dy vk tkuk] ns nsaxsA fnukad 03-06-2014 dks vihykFkhZ@ifjoknh iqu% [email protected] ls laidZ fd;k rks [email protected] us dgk fd ikWfylh ckn esa ns nsaxs] rc vihykFkhZ@ifjoknh ijs'kku gks x;k] mlds firk dks tkjh Qk;usal yksu lqj{kk ;kstuk ds v/khu ikWfylh vfoyEc iznku ugha dh xbZ] tcfd ikWfylh/kkjd dh e`R;q i'pkr~ mlds mRrjkf/kdkfj;ksa dks Qk;usal _.k dh jde dks vnk ugha djuk iMs+xk] fdarq [email protected] }kjk ?kfV;k lsokvksa ds lkFk&lkFk vihykFkhZ@ifjoknh dks 'kkjhfjd] // 10 // ekufld vkSj vkfFkZd :i ls izrkfM+r fd;k x;k] rc vihykFkhZ@ifjoknh us vius vf/koDrk ds ek/;e ls fnukad 04-06-2014 dks jftLVMZ uksfVl izsf"kr djok;kA [email protected] dk mijksDr d`R; lsok esa deh ,oa O;olkf;d dnkpj.k dh Js.kh esa vkrk gSA vihykFkhZ@ifjoknh ekuuh; vk;ksx ds le{k loZizFke ;g Li"V djrk gS fd vihykFkhZ@ifjoknh ds }kjk [email protected] ls ckj&ckj fuosnu fd;k x;k fd mls ikWfylh dh izfr iznku dh tkos ftlesa yksu lqj{kk chek ;kstuk dOgj Fkh ysfdu [email protected] ds }kjk vihykFkhZ@ifjoknh dks bl laca/k esa ?kqek;k tkrk jgk vkSj vihykFkhZ@ifjoknh ds }kjk vius vf/koDrk ds ekQZr ls uksfVl fHktok;k x;kA mlds ckotwn Hkh [email protected] ds }kjk yksu chek lqj{kk ;kstuk ds rgr ikWfylh izek.k i= tkjh ugha fd;k x;kA ftyk Qksje ds }kjk izdj.k esa jftLVsª'ku laca/kh nLrkost ,oa vU; nLrkost tks yksu ls lacaf/kr Fks dk lw{erk ls voyksdu u djds fof/k fo:) vkns'k ikfjr fd;k x;k gSA vihykFkhZ@ifjoknh ekuuh; vk;ksx ds le{k ;g Hkh Li"V djrk gS fd ftyk Qksje ds }kjk bl rF; dh Hkh vuns[kh dh xbZ gS fd vihykFkhZ@ifjoknh ds }kjk yksu lqj{kk chek fy;k x;k Fkk vkSj [email protected] ds }kjk ,d nwljs ds mij nks"kkjksi.k djds vius nkf;Ro ls cpk tk jgk gS D;ksafd chekdrkZ dh e`R;q gks tkus ds i'pkr~ mUgsa bl ckr dk vkHkkl gks x;k Fkk fd chek ikWfylh ds rgr dOgj jkf'k dk Hkqxrku djuk iMs+xkA bl otg ls [email protected] ds }kjk tkucw>dj mDr laca/k esa izek.k i= tkjh ugha fd;k x;kA vihykFkhZ@ifjoknh ds }kjk vius ifjokn i= ,oa 'kiFk i= rFkk nLrkostksa ls ,oa vius lk{; ls viuh vihy dks izekf.kr fd;k x;k gSA vr% vf/koDrk us mijksDr vk/kkj ij vihykFkhZ@ifjoknh dh vihy Lohdkj fd;s tkus ,oa ftyk Qksje }kjk ikfjr vkns'k vikLr fd;s tkus dk fuosnu fd;k x;k gSA // 11 // 12- mRrjoknh dz-1@vukosnd dz-1 bl vk;ksx ds le{k uksfVl rkfeyh mijkar Hkh vuqifLFkrA 13- mRrjoknh dz-2 o 5@vukosnd dz-2 o 5 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh jkds'k iqjh }kjk rdZ fd;k x;k fd Jh /keZjkt nsokaxu }kjk mRrjoknh dz-2@vukosnd dz-2 laLFkk ls nf'kZr okgu dz; djus gsrq LFkkuh; ,tsaV vkdk'k oekZ ds ek/;e ls _.k gsrq vkosnu izLrqr dj _.k izkIr djuk Lohdkj fd;k gS 'ks"k dFku fd _.kh }kjk mRrjoknh dz-2@vukosnd dz-2 laLFkk ls esXek yksu lqj{kk ;kstuk dh lsok izkIr ugha dh gS vkSj u gh mDr laca/k esa dksbZ 'kqYd mRrjoknh dz-2@vukosnd dz-2 dks iznRr fd;k x;k gSA bl dkj.k dfFkr chek ikfylh dk vfLrRo gh ugha gSA vihykFkhZ@ifjoknh diksydfYir dgkuh jpdj voS/kkfud ykHk izkIr djus ds mn~ns'; ls ys[k dj vkosnu izLrqr fd;s tkus ls vLohdkj gSA mRrjoknh dz-2@vukosnd dz-2 }kjk fdlh izdkj dh lsok esa deh ugha dh xbZ gS mRrjoknh dz-2@vukosnd dz-2 fdlh Hkh izdkj dh {kfriwfrZ vnk;xh gsrq nkf;Rok/khu ugha gSA vf/koDrk us ftyk Qksje ds vkns'k dks ;Fkkor cuk;s j[kus dk fuosnu fd;k gSA 14- mRrjoknh dz-3@vukosnd dz-3 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh Mh-,y-jkBkSj dk rdZ gS fd vihykFkhZ@ifjoknh ds firk dk chek mRrjoknh dz-3@vukosnd dz-3 }kjk ugha fd;k x;k gS blfy, mRrjoknh dz-3@vukosnd dz-3 chek nkok Hkqxrku gsrq nkf;Rok/khu ugha gS blh rF; dh iqf"V mRrjoknh dz-2@vukosnd dz-2 }kjk ftlds }kjk _.k Lohd`r fd;k x;k gS] Hkh fd;k x;k gSA vihykFkhZ@ifjoknh }kjk tks chek dk izek.k i= izLrqr fd;k x;k gS og fdlh Hkqou yky ls lacaf/kr gS u fd /kjepan nsokaxu ls lacaf/kr gSA mRrjoknh dz-2@vukosnd dz-2 us Hkh iqf"V fd;k gS fd e`rd us dHkh Hkh chek fodYi dk p;u ugha fd;k FkkA bl laca/k esa mRrjoknh dz-
// 12 // 3@vukosnd dz-3 }kjk chek laca/kh vkosnu rFkk izhfe;e izkIr ugha fd;k x;k gSA vf/koDrk us mijksDr vk/kkj ij ftyk Qksje ds vkns'k dks U;k;ksfpr vkns'k fu:fir djrs gq, mls ;Fkkor cuk;s j[kus dk fuosnu fd;k gSA 15- mRrjoknh dz-4@vukosnd dz-4 us nLrh rkfeyh ysus ls badkj fd;k gS ftlls mi/kkj.kk dh tk;sxh fd ml ij oS/k :i ls uksfVl dh rkfeyh dh xbZ gSA 16- geus mHk;i{k ds fo}ku vf/koDrkvksa dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;kA 17- izLrqr izdj.k ds lexz ifj'khyu ls ;g iz'u mn~Hkwr gksrk gS fd D;k [email protected] }kjk vihykFkhZ@ifjoknh ds firk dk okgu yksu] yksu lqj{kk ;kstuk ds v/khu chek ikfylh tkjh u dj rFkk Qk;usal ls eqfDr iznku u dj lsok esa deh dk d`R; dkfjr fd;k x;k gS\ fujkdj.k fuEukuqlkj fd;k tk jgk gSA 18- vihykFkhZ@ifjoknh us vius ifjokn i= ds dafMdk 3 esa fuEukuqlkj dFku fd;k gS%& ^^3- ;g fd vkosnd ds firk /keZjkt nsokxau edku ua- 308] cl LVs.M pkSd] xzke&nsojchtk] rg-&csjyk] ftyk&csesrjk us fnukad 05-04-2014 dks okgu efgUnzk tkbyks Mh&2 esDl ,Dl] dyj Mh OgkbZV] batu ua- 78185] psfpl ua- 22306] pkch dz- 0866] okjaVh cqd ua- 00141824] fMfyojh pkyku ua- 4309@22306 Qk;usal lqfo/kk eSXek fQudkiZ fyfeVsM ds ;gkW ls gqvk] mls [kjhnkA mDr okgu vukosnd dz-1 ds ;gkW ls [kjhnk x;k mDr okgu dks izsjd Jh vkdk'k oekZ }kjk :i;s 7]22]217@&¼v{kjh lkr yk[k ckbZl gtkj nks lkS l=g :-½ esa Qk;usal lqfo/kk 5]92]000@&¼v{kjh ikWp yk[k fc;kucs gtkj :-½] ekftZu euh 1]30]217@&¼v{kjh ,d // 13 // yk[k rhl gtkj nks lkS l=g :-½] ,Mokal 20]927@&¼v{kjh chl gtkj ukS lkS lRrkbZl :-½ izkslsflax Qhl 4]975@&¼v{kjh pkj gtkj ukS lkS iPgRrj :-½ eSXek yksu lqj{kk ;kstuk esa 9]226@&¼v{kjh ukS gtkj nks lkS NCchl :-½ crk;k x;kA** mijksDr ds tokc esa mRrjoknh dz-2 o 5@vukosnd dz-2 o 5 us fuEukuqlkj dFku fd;k gS%& ^^4- ;g dh vkosnd n~okjk izLrqr f'kdk;r i= dh dafMdk dzekad 3 ds tokc esa Jh /keZjkt nsokaxu n~okjk vukosnd laLFkk ls nf'kZr okgu dz; djus gsrq LFkkuh; ,tsaV vkdk'k oekZ ds ek/;e ls _.k izkfIr gsrq vkosnu izLrqr dj _.k izkIr djuk Lohdkj gSa rFkk _.kh dks iznRr _.k ls laca/khr fooj.k dh izfr ,usDlj&,u-,- 2&2 izLrqr gSaA 'ks"k dFku gSa dh _.kh Jh /keZjkt nsokaxu n~okjk vukosnd laLFkk ls eSXek yksu lqj{kk ;kstuk dh lsok izkIr ugha dh gSa vkSj ugh mDr laca/k esa dksbZ 'kqYd vukosnd dzekad 2 dks iznRr fd;k x;k gSA** mRrjoknh dz-3@vukosnd dz-3 us vius tokcnkok ds f'k"kZ facts of the case ds dafMdk 3 esa fuEukuqlkj dFku fd;k gS%& ^^3-That the Complainant in the present complaint has not mentioned any details of the insurance cover that the deceased had allegedly availed from Answering OP, instead has annexed a COI pertaining to one Mr. Bhuvan Lal. With respect to the COI annexed to the present complaint, it is submitted that the cover was issued to Mr. Bhuvan Lal in March 2013 which is a separate transaction altogether and has no nexus with the claim of the Complainant. Mr. Bhuvan Lal had availed a loan from OP No. 2 in March 2013 and was provided the insurance cover by the Answering OP from 16- 03-2013 till 15-03-2015 which is very specifically mentioned on the COI itself. The Answering OP are also in the possession of the Declaration of Good health (DOGH) signed by Mr. Bhuvan Lal on 16.03.2013 in connection with cover provided to him. The Complainant has himself admitted that the deceased purchased the vehicle and availed the loan only in 2014, making it very obvious that the COI annexed by him does not belong to the deceased in any way."
vihykFkhZ@ifjoknh us vius dFku ds leFkZu esa fd esXek yksu lqj{kk ;kstuk gsrq :-9]226@&¼ukS gtkj nks lkS NCchl :i;s½ izhfe;e dk Hkqxrku fd;k x;k gS dksbZ nLrkost izLrqr ugha fd;k gS // 14 // vihykFkhZ@ifjoknh us u rks mDr chek gsrq izLrko i= dh dkih izLrqr fd;k gS vkSj u gh mDr chek dh ikfylh izLrqr fd;k gSA vihykFkhZ@ifjoknh us nLrkost ,usDpj ,&2 izLrqr fd;k gS tks fd KOTAK GROUP ASSURE ls lacaf/kr gS rFkk [kkrk dzekad PG/0023/C/11/000915 rFkk vkjaHk frfFk 16-03-2013 gS] ftlesa esEcj dk uke Hkqou yky vafdr gS ftldk bl izdj.k ls dksbZ laca/k ugha gSA tcfd izdj.k esa izLrqr vU; nLrkost mRrjoknh dz-1@vukosnd dz-1 }kjk izLrqr nLrkost ,usDpj ,u-,- 2&2 esa [kkrk PG/0023/C/131/000019 tks fd /keZjkt nsokaxu dk gS ftlesa yksu lqj{kk ds lkeus Li"Vr% No. fy[kk gqvk gS vihykFkhZ@ifjoknh ds firk us _.k viSzy 2014 esa izkIr fd;k gS rFkk vihykFkhZ@ifjoknh }kjk izLrqr nLrkost ,&2&2 ekpZ 2013 dk gS bl rjg bl nLrkost dk dksbZ ykHk vihykFkhZ@ifjoknh dks izkIr ugha gksrk gSA blls Li"V gksrk gS fd vihykFkhZ@ifjoknh viuk ifjokn izekf.kr djus esa iw.kZr% vlQy jgk gS] tcfd mRrjoknh dz-1@vukosnd dz-1 ;g izekf.kr djus esa lQy jgk gS fd vihykFkhZ@ifjoknh ds Lo- firk ds }kjk vfHkdfFkr esXek yksu lqj{kk gsrq chek dh ikfylh ugha yh xbZ gSA bl fLFkfr esa ge [email protected] dks lsok esa fuEurk dk nks"kh ugha ikrs gSaA 19- ftyk Qksje us vius vkns'k dh dafMdk 10 ls 17 esa mfpr fu"d"kZ fudky dj ifjokn [kkfjt fd;k gSA 20- mijksDr foospuk ds ifjisz{; esa ge bl fu"d"kZ ij igqaprs gSa fd [email protected] }kjk vihykFkhZ@ifjoknh dh lsok esa deh izekf.kr ugha gqvk gS rFkk vihykFkhZ@ifjoknh dk ifjokn izek.kkHkko esa fujLr fd;s tkus ;ksX; gSA ftyk Qksje us tks vkns'k ikfjr fd;k gS mlesa fdlh fdLe dh vfu;ferrk ,oa voS/kkfudrk ugha gS vkSj u gh mlesa gLr{ksi dh vko';drk gSA // 15 // 21- mijksDrkuqlkj vihykFkhZ@ifjoknh dh vihy lkjghu gksus ls fujLr fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad 29-08-2016 dh iqf"V dh tkrh gSA izdj.k dh ifjfLFkfr dks ns[krs gq, bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj-,l- 'kekZ½ ¼Mh-ds-iksn~nkj½ ¼ujsUnz xqIrk½ v/;{k lnL; lnL;
09@10@2017 09@10@2017 09@10@2017