State Consumer Disputes Redressal Commission
Mandir Thika Galta vs Icici Bank Ltd. on 8 June, 2023
1 jktLFkku jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj fjO;q ;kfpdk la[;k 20@2021 lqjs'k dqekj feJk iq= Jh jkeksna jkpk;Z] irk& :i prqHkZt th dk eafnj] NksVh pkSiM+] t;iqj ¼jktLFkku½ fjO;qdrkZ@izR;FkhZ la[;k 3 cuke 1- eafnj fBdkuk xyrk th] t;iqj dk;kZy; eafnj Jh lhrkjke th] Jh xyrk /kku xkyc vkJe] t;iqj tfj;s lksy VªLVh ,oa egUr Jh Lokeh vo/ks'kkpk;Z iq= Jh jkeksnjkpk;Z xSj&fjO;qdrkZ@ifjoknh@vihykFkhZ 2- vkbZ lh vkbZ lh vkbZ cSad fyfeVsM dk;kZy; ;wfuoflZVh dSEil ckiw uxj] t;iqj& 302004 jktLFkku tfj;s 'kk[kk izcU/kdA xSj&fjO;qdrkZ@izR;FkhZ la[;k 1 3- vkbZ lh vkbZ lh vkbZ cSad fyfeVsM {ks=h; dk;kZy;] lh&3 ljnkj iVsy ekxZ] lh&Ldhe] t;iqj& 302004 jktLFkku {ks=h; izcU/kdA xSj&fjO;qdrkZ@izR;FkhZ la[;k 2 le{k%& ekuuh; Jh ,l-ds-tSu] ihBklhu lnL; ¼U;kf;d½ ekuuh; Jh 'kSysUnz HkV~V] lnL;
mifLFkr%& fjO;qdrkZ@izR;FkhZ la[;k 3 dh vksj ls Jh losZ'k lkjLor] vf/koDrk xSj&fjO;qdrkZ la[;k 1@ifjoknh dh vksj ls Jh xksiky 'kkL=h] vf/koDrk xSj&fjO;qdrkZ la[;k 2 o 3@ izR;FkhZ la[;k 1 o 2 Jh ehrs"k 'kekZ ] vf/koDrk fu.kZ; fnukad%&08-06-2023 jktLFkku jkT; miHkksDrk vk;ksx] t;iqj [}kjk Jh ,l-ds-tSu] ihBklhu lnL; ¼U;kf;d½] 2 jkT; miHkksDrk vk;ksx ]t;iqj fjO;q ;kfpdk la[;k 20@2021 lqjs'k dqekj feJk cuke eafnj fBdkuk xyrk th ,oa vU;
fjO;qdrkZ Jh lqjs'k dqekj feJk us xSj&fjO;qdrkZx.k ds fo:) bl vk;ksx esa fnukad 05-08-2021 dks bl vk;ksx ds }kjk vihy la[;k 439@2020 cmuoku& eafnj fBdkuk xyrk] t;iqj esa cuke vkbZ lh vkbZ lh vkbZ cSad fyfeVsM ,oa vU; esa ikfjr fu.kZ; fnukad 05-07-2021 ds fo:) ;g fjO;q ;kfpdk bu vfHkopuksa ds lkFk izLrqr dh gS fd vihykFkhZ eafnj fBdkuk xyrk us vihy la[;k 439@2020 ds 'kh"kZd esa izR;FkhZ la[;k 3 fjO;qdrkZ dk fuokl dk irk nqHkkZoukiwoZd xyr ntZ fd;kA vihykFkhZ us mDr vihy esa fuokl dk irk prqHkZqt th dk efUnj] NksVh pkSiM+] t;iqj fy[kk tcfd fjO;qdrkZ dk fuokl dk irk :i prqHkZqt th dk eafnj] NksVh pkSiM+] t;iqj gS] og rkehy euk djus ds fjekdZ ds lkFk ykSVh] bl izdkj fjO;qdrkZ izR;FkhZ la[;k 3 dks lquokbZ dk volj ugha feyk gSA vihykFkhZ dh ;g xyrh Error of apparent on the face of the record gSA ;g Hkh fy[kk fd vihykFkhZ us Mkd foHkkx ds deZpkfj;ksa ls feyhHkxr djds fj¶;wt dk fjekdZ vafdr djok;k] tcfd fnukad 01-03-2021 dks fjO;qdrkZ ds iSjkysfVd vVsd vk x;k Fkk rFkk og fnukad 02-03-2021 dks vLirky esa HkrhZ FkkA ;g Hkh fy[kk gS fd og vihy ftyk miHkksDrk vk;ksx ds varfje vkns'k ds fo:) Fkh] ftldh vihy pyus ;ksX; ugha gSA bl izdkj mUgksus fjO;q ;kfpdk Lohdkj fd;s tkus dk fuosnu fd;k gSA 02- mHk;i{k ds fo}ku vf/koDrkx.k dh cgl lquh xbZ ,oa i=koyh dk voyksdu fd;k x;kA 03- miHkksDrk laj{k.k vf/kfu;e 2019 dh /kkjk 50 esa fjO;q ds fuEu izko/kku gS& Sec.-50 "Review by state Commission in certain cases- The State Commission shall have the power to review any of the order passed by it if there is an error apparent on the face of the record, either of its own motion or on an application made by any of the parties within thirty days of such order."
mijksDr izko/kku ls ;g Li"V gS fd jkT; miHkksDrk vk;ksx ds }kjk ikfjr fd;s x;s fdlh vkns'k esa ;fn dksbZ Error of apparent on the face 3 jkT; miHkksDrk vk;ksx ]t;iqj fjO;q ;kfpdk la[;k 20@2021 lqjs'k dqekj feJk cuke eafnj fBdkuk xyrk th ,oa vU;
of the record ekStwn gks rc ml ij fjO;q ds rgr fopkj fd;k tk ldrk gSA 04- fo}ku vf/koDrk fjO;qdrkZ us eq[; :i ls ;gh cgl dh gS fd vihykFkhZ us viuh vihy esa fjO;qdrkZ dks izR;FkhZ la[;k 3 cuk;k gS fdUrq mlds fuokl dk irk tkucw> dj xyr fy[k fn;k gS ,oa Mkd deZpkfj;ksa ls feydj uksfVl jftLVMZ fyQkQs ij fj¶;wt dk fjekdZ yxok fn;k gS] tks fd Error of apparent on the face of the record gS] blfy, mUgksus vk{ksfir vihy dk fu.kZ; vikLr dj iqu% vihy dh cgl lqudj fu.kZ; djus dk fuosnu fd;k gSA 05- fo}ku vf/koDrkx.k xSj&fjO;qdrkZx.k dh vksj ls ;g cgl dh xbZ gS fd vihy la[;k 439@2020 ds vk{ksfir fu.kZ; fnukad 05-07-2021 esa ,slh dksbZ =qfV ugha gS] tks fd Error of apparent on the face of the record ekuh tkuh gksA mudk ;g Hkh rdZ gS fd uksfVl dk jftLVMZ fyQkQk fj¶;wt ds fjekdZ ds lkFk okil vk;k] blfy, xyr irk fy[kk gksus ds vk/kkj ij fjO;qdrkZ dks dksbZ ykHk ugha feysxk rFkk ;g rF; fjO;q ds {ks= esa ugha vkrk gSA bl izdkj mUgksus fjO;q ;kfpdk [kkfjt fd;s tkus dk fuosnu fd;k gSA 06- vihy la[;k 439@2020 esa fjO;qdrkZ izR;FkhZ la[;k 3 ds fuokl dk irk xyr fy[ks tkus ds ckjs esa ;g ik;k tkrk gS fd mDr vihy esa Hkstk x;k uksfVl dk jftLVMZ fyQkQk fj¶;wt ds fjekdZ ds lkFk okil vk;k gS] blfy, ;g ugha ekuk tk ldrk gs fd xyr irs ij uksfVl Hkstk x;k gks D;ksfa d uksfVl fjO;qdrkZ dks feyk gS rFkk fjO;qdrkZ us ysus ls badkj fd;k gSA miHkksDrk laj{k.k vf/kfu;e] 2019 dh /kkjk 50 ds mijksDr of.kZr izk o/kkuksa ds vuqlkj jkT; miHkksDrk vk;ksx ds }kjk ikfjr fdlh vkns'k esa dksbZ =qfV Error of apparent on the face of the record gks rc mls fjO;q ds rgr fopkj esa fy;k tk ldrk gS fdUrq fjO;qdrkZ ds }kjk eq[; vk/kkj ;g fy;k x;k gS fd vihykFkhZ us vihy ds 'kh"kZd esa mldk xyr irk fy[k fn;s tkus ds dkj.k mls lquokbZ dk volj ugha feyk] blfy, ;g =qfV fjO;q ds {ks= esa vkrh gS fdUrq ge ;g ikrs gSa fd izFke rks mDr uksfVl Lo;a fjO;qdrkZ us ysus ls badkj fd;k gS] blfy, ;fn lgh irk ugha Hkh fy[kk x;k gS rc Hkh 4 jkT; miHkksDrk vk;ksx ]t;iqj fjO;q ;kfpdk la[;k 20@2021 lqjs'k dqekj feJk cuke eafnj fBdkuk xyrk th ,oa vU;
bl vk/kkj ij fjO;qdrkZ dks dksbZ ykHk ugha feysxkA blds vykok ge ;g Hkh ikrs gS fd ;g =qfV /kkjk 50 esa of.kZr fjO;q ds izko/kkuksa ds rgr doj ugha gksrh gSA 07- cgl ds nkSjku fo}ku vf/koDrk fjO;qdrkZ us gekjk /;ku vihy la[;k 439@2020 esa ikfjr fu.kZ; ds i`"B la[;k 11 ij vkdf"kZr djrs gq, ;g cgl dh gS fd fu.kZ; ds i`"B la[;k 11 esa fyLV vkWQ VªLVht eafnj fBdkuk xyrk dk is'k gksuk crk;k x;k gS rFkk mlesa vo/ks'k dqekj feJk o jk?kosUnz feJk nksuksa dks VªLVh crk;k x;k gSA fjO;qdrkZ ds }kjk ,slh dksbZ fyLV vkWQ VªLVht izLrqr ugha dh xbZ Fkh A fjO;qdrkZ us viuh fjO;q ;kfpdk esa dgha ij Hkh ;g ugha fy[kk gS fd i=koyh esa fyLV vkWQ VªLVht izLrqr ugha dh xbZ gksA vr% fo}ku vf/koDrk fjO;qdrkZ dk ;g rdZ ekU; ugha gSA 08- fo}ku vf/koDrk fjO;qdrkZ ds }kjk ;g Hkh cgl dh xbZ gS fd jkT; miHkksDrk vk;ksx ds }kjk vihy dk fu.kZ; djrs le; fjO;qdrkZ ds }kjk izLrqr nLrkostkr ij fopkj ugha fd;k x;k gSA bl ckjs esa vk{ksfir fu.kZ; ds voyksdu ls ;g ik;k tkrk gS fd jkT; miHkksDrk vk;ksx us vk{ksfir fu.kZ; esa ;g ekuk gS fd fjO;qdrkZ ifjokni= esa vko';d ,oa mfpr i{kdkj ugha gS D;ksfa d fjO;qdrkZ dks i{kdkj cukus ij VªLV ds xBu dk fookn cu tkosxk] ftls r; djus dk vf/kdkj ftyk miHkksDrk vk;ksx dks ugha gSA mUgksus ;g Hkh ekuk fd vihykFkhZ@ifjoknh us izR;FkhZ la[;k 1 o 2 cSad ds fo:) ifjokni= izLrqr dj ;gh vuqrks"k pkgk gS fd cSad ds }kjk vihykFkhZ dk cSad [kkrk tks Ýht dj fn;k x;k gS mls MhÝht fd;k tkosA bl izdkj ge ;g ikrs gSa fd fjO;qdrkZ ds }kjk izLrqr nLrkostkr ij fopkj ugha fd;s tkus ij Hkh fjO;q dk ekeyk ugha curk gSA 09- mijksDr foopukuqlkj ;g fu"d"kZ fudyrk gS fd fjO;qdrkZ ds }kjk izLrqr fjO;q ;kfpdk miHkksDrk laj{k.k vf/kfu;e] 2019 dh /kkjk 50 ds rgr doj ugha gksrh gS] blfy, [kkfjt fd;s tkus ;ksX; gSA 5 jkT; miHkksDrk vk;ksx ]t;iqj fjO;q ;kfpdk la[;k 20@2021 lqjs'k dqekj feJk cuke eafnj fBdkuk xyrk th ,oa vU;
vkns'k fjO;qdrkZ&izR;FkhZ la[;k 3 ds }kjk xSj&fjO;qdrkZx.k ds fo:) izLrqr ;g fjO;q ;kfpdk [kkfjt dh tkrh gS A mHk;i{k viuk&viuk [kpkZ eqdnek ogu djsxsAa ¼'kSysUnz HkV~V½ ¼,l-ds-tSu½ lnL; ihBklhu lnL; ¼U;kf;d½