State Consumer Disputes Redressal Commission
Branch Manager Union Bank Of India vs Ramadheen on 4 April, 2015
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vihykFkhZ@vukosnd us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] nqxZ ¼N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&66@2013 jkek/khu fo:) izca/kd] 'kk[kk izca/kd] ;wfu;u cSad vkWQ bafM;k esa ikfjr vkns'k fnukad&29-01-2014 ftlds }kjk mRrjoknh@ifjoknh dk ifjokn Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& // 2 // **1- vkns'k fnukad ls ,d ekg ds Hkhrj vukosnd }kjk vkosnd dks tIr'kqnk VsªDVj Vªkyh ,oa d`f"k midj.k rFkk vukifRr izek.k&i= iznku djs ,oa fodYi esa tIr'kqnk VsªDVj Vªkyh ,oa d`f"k midj.k fodz; dj fn;s x;s gksa rks vukosnd] vukosnd dks ,d ekg ds Hkhrj vkosnd }kjk vukosnd dks vnk dh x;h jkf'k&4]53]272@&¼pkj yk[k frjiu gtkj nks lkS cgRrj :Ik;s½ vnk djsA 2- vkns'k fnukad ls ,d ekg ds Hkhrj mDr jkf'k dk Hkqxrku ugha fd;s tkus ij vkns'k fnukad&29-01-2014 ls iw.kZ Hkqxrku rd vukosnd] vkosnd dks 07 izfr'kr okf"kZd nj ls C;kt vnk djus gsrq mRrjnk;h gksxkA 3- vukosnd] vkosnd dks ekufld d"V gsrq 5]000@&¼ikap gtkj :Ik;s½ Hkh vnk djsA 4- vkosnd dk okn O;; 1]000@&¼,d gtkj :Ik;s½ Lohdkj fd;k tkrk gS] ftls vukosnd }kjk vnk fd;k tk;sxkA** ls nqf[kr gksdj izLrqr fd;k gSA 02- mRrjoknh@ifjoknh dk ifjokn ftyk Qksje ds le{k la{ksi esa bl izdkj jgk gS fd mRrjoknh@ifjoknh d`f"k dk;Z djrk gSA xzke reksjk esa [kljk uacj&5 jdck 2-93 gsDVs;j d`f"k Hkwfe fLFkr gSA mRrjoknh@ifjoknh d`f"k dk;Z gsrq NRrhlx<+ 'kklu ,oa Hkkjr ljdkj ds d`f"k dk;Z esa NwV ,oa lgk;rk izkIr djus gsrq ;qfu;u cSad vkWQ bafM;k] 'kk[kk /kerjh esa d`f"k dk;Z gsrq d`f"k midj.k ,oa VsªDVj ysus gsrq laidZ fd;kA mRrjoknh@ifjoknh] vihykFkhZ@vukosnd cSad ds ek/;e ls vpZuk ,tsalh esa laidZ dj d`f"k _.k midj.k ,oa VsªDVj&Vªkyh dz; fd;s tkus gsrq dqy&4]40]740@&¼pkj yk[k pkyhl gtkj lkr lkS pkyhl :Ik;s½ // 3 // ewY; crk;sA mRrjoknh@ifjoknh }kjk 88]740@&¼vBklh gtkj lkr lkS pkyhl :Ik;s½ ekftZu euh fnukad&14-10-2003 dks vihykFkhZ@vukosnd cSad dks fn;k ,oa vihykFkhZ@vukosnd cSad us 3]52]000@&¼rhu yk[k ckou gtkj :Ik;s½ Qk;usal fd;kA mRrjoknh@ifjoknh] vihykFkhZ@vukosnd cSad dk laiw.kZ fu;e dk ikyu djrs gq, midj.k ;a= dk _.k pqdkrk jgkA ekftZu euh fnukad&14-10-2003 dks 88]740@&¼vBklh gtkj lkr lkS pkyhl :Ik;s½] fnukad&12-05-2005 dks 5]000@&¼ikap gtkj :Ik;s½] fnukad&13-06-2006 dks 50]000@&¼ipkl gtkj :Ik;s½] fnukad&28-03-2009 dks 80]000@&¼vLlh gtkj :Ik;s½] fnukad&30-06-2009 dks 52]000@&¼ckou gtkj :Ik;s½] fnukad&30-06- 2009 dks 1]00]000@&¼,d yk[k :Ik;s½ rFkk 'kklu ls NwV jde 77]532@&¼lrgRrj gtkj ikap lkS cRrhl :Ik;s½ dqy&4]53]272@&¼pkj yk[k frjiu gtkj nks lkS cgRrj :Ik;s½ tek dj pqdk gSA vihykFkhZ@vukosnd cSad }kjk mRrjoknh@ifjoknh ls _.k pqdkus gqrq _.k eqfDr gsrq opu&i= Hkjok;k FkkA mDr opu&i= esa Li"V fy[kk gS fd fnukad&30-06-2009 rd _.k dh jde vfrns; fd'r jde 2]32]596@&¼nks yk[k cRrhl gtkj ikap lkS fN;kucs :Ik;s½ _.k eqfDr izek.k&i= izkIr fd;k tk;sxkA mRrjoknh@ifjoknh }kjk vihykFkhZ@vukosnd cSad ds opu&i= dk ifjikyu djrs gq, mijksDr laiw.kZ jde vnk fd;k x;k ijUrq vihykFkhZ@vukosnd cSad us _.k eqfDr izek.k&i= mRrjoknh@ifjoknh dks ugha fn;k vkSj dgus yxk fd _.k ekQ gks pqdk gS ,slk dgdj mRrjoknh@ifjoknh dks ?kj Hkst fn;kA mRrjoknh@ifjoknh ds de i<+s&fy[ks gksus dk Qk;nk mBkrs gq, vihykFkhZ@vukosnd cSad us vius vf/koDrk ds ek/;e ls nks o"kZ ckn fnukad&18-04-2011 dks _.k olwyh gsrq 2]06]197@&¼nks yk[k N% gtkj ,d lkS larkucs :Ik;s½ dk uksfVl fHktok fn;kA mDr uksfVl dks ysdj mRrjoknh@ifjoknh] vihykFkhZ@vukosnd cSad ds ikl x;k ,oa // 4 // opu&i= ds vk/kkj ij tek jde dh tkudkjh vihykFkhZ@vukosnd cSad dks fn;k ijUrq vihykFkhZ@vukosnd cSad us ekuus ls badkj dj fn;kA vihykFkhZ@vukosnd cSad _.k olwyh ds laca/k esa LVsVesaV fnukad&01-07-2003 ls fnukad&31-05-2006 rd ,oa fnukad&04-05-2011 rd LVsVesaV fHkUu&fHkUu gSA mRrjoknh@ifjoknh dk de i<+s&fy[ks gksus dk uktk;t Qk;nk mBkrs gq, mDr uksfVl vihykFkhZ@vukosnd cSad }kjk fn;k x;k gSA opu&i= ds vk/kkj ij mRrjoknh@ifjoknh }kjk jde tek djus ds ckotwn fnukad&02-03-2013 dks vihykFkhZ@vukosnd us lwus ?kj esa ?kqldj VsªDVj&Vªkyh ,oa d`f"k midj.k ;a= dks tCr dj fy;k ftlds dkj.k mRrjoknh@ifjoknh dks vius d`f"k dk;Z djus esa dkQh ijs'kkfu;ksa dk lkeuk djuk iM+ jgk gS ftlds dkj.k vkfFkZd ,oa ekufld ijs'kkfu;kas dk lkeuk djuk iM+ jgk gSA bl izdkj mRrjoknh@ifjoknh us vius ifjokn&i= dh dafMdk&9 esa n'kkZ;s vuqlkj vuqrks"k fnyk;s tkus dk fuosnu fd;k gSA 03- mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k VsªDVj dk vkj- lh- cqd ¼izn'kZ ih&1½] Vªkyh dk vkj- lh- cqd ¼izn'kZ ih&2½] cpr cSad [kkrk ikl cqd ¼izn'kZ ih&3½] _.k iqfLrdk ¼izn'kZ ih&4½] opu&i= ¼izn'kZ ih&5½] tek iphZ ¼izn'kZ ih&6½] LVsVesaV fnukad&01-07-2003 ls fnukad&31-05-2006 rd ¼izn'kZ ih&7½] mRrjoknh@ifjoknh }kjk vihykFkhZ@vukosnd cSad dks izsf"kr i= fnukad&02-03-2013 ¼izn'kZ ih&8½ rFkk vf/koDrk uksfVl fnukad&16-02- 2013 ,oa 06-04-2013 ¼izn'kZ ih&9 ,oa 10½ dh QksVks dkih izLrqr fd;k gSA 04- vihykFkhZ@vukosnd cSad dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd vihykFkhZ@ // 5 // vukosnd cSad] N-x- 'kklu ds d`f"k dk;ksZa esa NwV iznku djus dk foHkkx ugha gS vkSj u gh bl gsrq dksbZ lykg nsrk gSA vihykFkhZ@vukosnd cSad foRriks"kh cSafdax laLFkku gS tks C;kt ij t:jrean ,oa ik= yksxksa dks _.k mudh lqfo/kk ds vuq:Ik iznku djrk gSA mRrjoknh@ifjoknh us 88]740@&¼vBklh gtkj lkr lkS pkyhl :Ik;s½ ekftZu euh ds :Ik esa tek fd;k mlds mijkar mRrjoknh@ifjoknh dks VsªDVj&Vªkyh _.k Qk;usal fd;k x;kA mYysf[kr jde ;qfu;u cSad vkWQ bafM;k Fkkuk /kerjh esa tek gS fdUrq mRrjoknh@ifjoknh }kjk _.k vnk;xh gsrq tek jde mlds _.k ds tokcnkjh dks iw.kZ ugha djrs gSaA blds vfrfjDr vihykFkhZ@vukosnd cSad dks mRrjoknh@ifjoknh ds _.k [kkrs ds vuqlkj 2]06]197@&¼nks yk[k N% gtkj ,d lkS larkucs :Ik;s½ ysuk ckdh gSA 'kklu ds }kjk d`"kd _.k jkgr ;kstuk ykxw fd;k Fkk ftlds 'krksZa dks mRrjoknh@ifjoknh }kjk iw.kZ ugha fd;k x;k gS ftlds dkj.k mls _.k jkgr ;kstuk dk ykHk izkIr ugha gqvk gSA _.k jkgr ;kstuk vfrns; fd'rksa ds Hkqxrku ckcr~ Fkh tks fuf'pr le; ij fuf'pr vof/k ds fy, Fkh ftldk fu"iknu mRrjoknh@ifjoknh }kjk ugha fd;k x;kA mRrjoknh@ifjoknh vknru vihykFkhZ@vukosnd cSad ls izkIr _.k dk cdk;knkj jgk gSA mls le;kuqdwy _.k dh vnk;xh dk uksfVl fn;k tkrk jgk gS ftldk mRrjoknh@ifjoknh us dksbZ ikyu ugha fd;k gSA mRrjoknh@ifjoknh }kjk Lo;a gksdj VsªDVj&Vªkyh vihykFkhZ@vukosnd cSad esa ykdj NksM+ fn;k vkSj bl laca/k esa i= nsdj 10 fnu ds vUnj vihykFkhZ@vukosnd cSad dk iSlk tek dj VsªDVj&Vªkyh okil ys tkus vFkok VsªDVj&Vªkyh dks uhyke dj _.k dh jde olwy djus dk fy[kdj vius xokgksa ds le{k fn;k gSA mRrjoknh@ifjoknh us vihykFkhZ@vukosnd cSad ds laiw.kZ _.k dh vnk;xh dk dFku djrs gq, tCr VsªDVj&Vªkyh okil djus dk dFku fd;k gS tcfd _.k eqfDr ;k laiw.kZ _.k vnk;xh dk dksbZ nLrkost izLrqr ugha fd;k gSA // 6 // mRrjoknh@ifjoknh }kjk d`f"k _.k NwV vkSj _.k jkgr ;kstuk 2008 ds izko/kkuksa dk xyr foospuk djrs gq, _.k eqDr gks tkus dk dFku fd;k gSA bl izdkj mRrjoknh@ifjoknh dk ifjokn lsok esa deh ds vk/kkj ij izpyu'khy ugha gSA vihykFkhZ@vukosnd cSad us ifjokn lO;; [kkfjt fd;s tkus dk fuosnu fd;k gSA 05- vihykFkhZ@vukosnd cSad dh vksj ls vius i{k leFkZu esa lqcks/k dqekj izca/kd dk 'kiFk&i= izLrqr fd;k gSA 06- ftyk Qksje us mHk;i{k dh vksj ls izLrqr nLrkosth lk{;ksa ,oa 'kiFk&i= ds ifj'khyu Ik'pkr~ mRrjoknh@ifjoknh dk ifjokn ;g fu"df"kZr djrs gq, fd ifjokn izekf.kr ik;k tkrk gS rFkk vihykFkhZ@vukosnd cSad us mRrjoknh@ifjoknh ds izfr lsok esa deh ,oa O;olkf;d dnkpj.k fd;k gS] mRrjoknh@ifjoknh dk ifjokn Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:) ;g vihy gSA 07- vihykFkhZ@vukosnd cSad dh vksj ls vkns'k&41 fu;e&27 lh- ih- lh- dk vkosnu&i= izLrqr dj fnukad&03-03-2014 dks 04 nLrkost rFkk fnukad&28-10-2014 dks 15 nLrkost dks izLrqr djuk pkgk gSA 08- vkosnu&i= ij mHk;i{k dks lquk x;kA vkosnu&i= ij fopkj fd;k x;kA 09- izdj.k esa tks nLrkost izLrqr fd;s x;s gSa og tokcnkok esa vfHkopfur gS rFkk mDr nLrkost izdj.k ds mfpr U;k; fu.kZ;u gsrq vko';d gSA // 7 // 10- vr% vkosnu&i= vkns'k&41 fu;e&27 lh- ih- lh- Lohdkj fd;k tkrk gSA vihykFkhZ@vukosnd cSad dh vksj ls izLrqr nLrkost dks vfrfjDr lk{; ds :Ik esa Lohdkj fd;k tkrk gSA 11- vihykFkhZ@vukosnd cSad dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh Mh- ds- vxzoky dk eq[; rdZ ;g gS fd mRrjoknh@ ifjoknh ds }kjk vihykFkhZ@vukosnd cSad ls VsªDVj&Vªkyh dz; fd, tkus gsrq 3]52]000@&¼rhu yk[k ckou gtkj :Ik;s½ dk _.k fy;k Fkk ftl ij fu;ekuqlkj C;kt ns; FkkA _.k 09 o"kZ dh vof/k ds fy, iznku fd;k x;k FkkA mRrjoknh@ifjoknh ds }kjk fu;fer :Ik ls fu/kkZfjr vof/k ds Hkhrj fd'rksa dh jkf'k C;kt lfgr vnk u djus ij fy, x, _.k dh fd'rksa dh jkf'k rFkk ewy _.k ij ns; C;kt dh jkf'k vfrns; gks xbZ FkhA vfrns; jkf'k dks rhu fd'rksa esa vnk djus ij NwV fn, tkus ds laca/k essa _.k jkgr ;kstuk 2008 esa ljdkj ds }kjk izko/kku fd;k x;k Fkk tks fd fuf'pr vof/k ds fy, Fkh ftlds vuqlkj vfrns; gks pqdh jkf'k dks ek= rhu fd'rksa esa tek fd;k tkuk Fkk ftlds rgr mRrjoknh@ifjoknh ds }kjk _.k jkgr ;ksruk 2008 dk ykHk izkIr djus ds mn~ns'; ek= ls vfrns; gks pqdh jkf'k dks rhu fd'rksa esa vnk fd;k x;k Fkk ftl ij mls _.k jkgr ;kstuk 2008 ds vuqlkj NwV nh xbZ FkhA mRrjoknh@ifjoknh }kjk cdk;k ewy/ku rFkk ml ij cdk;k ns; C;kt dh jkf'k vnk ugha dh xbZ Fkh ftldk ekax djus ij eux<ar rF;ksa o dFkuksa dk ftdz djrs gq, ekftZu euh o izkIr NwV dh jkf'k dks lfEefyr djrs gq, iw.kZ _.k jkf'k dk Hkqxrku fd, tkus dk >wBk dFku fd;k gS tks fd iw.kZr% vlR; vkSj Hkzked gSA opu i= ek= vfrns; fd'rksa dh jkf'k vnk fd, tkus ds laca/k esa FkhA opu&i= iw.kZ _.k ds C;kt lfgr iw.kZ Hkqxrku djus ij _.k eqDrrk izek.k&i= ugha fn;k x;k FkkA ftyk Qksje us nLrkostksa dk HkyhHkkafr :Ik ls ijh{k.k ,oa // 8 // fujh{k.k ugha fd;k rFkk fof/k fo:) fu"d"kZ fudkyrs gq, vkyksP; vkns'k ikfjr fd;k gS tks fujLr fd;s tkus ;ksX; gSA bl rjg vihy Lohdkj fd, tkus dk fuosnu fd;k gSA 12- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh Mh- vkj- ;kno dk eq[; rdZ ;g gS fd mRrjoknh@ ifjoknh dks vihykFkhZ@vukosnd cSad }kjk _.k eqfDr gsrq opu&i= Hkjok;kA bl opu&i= ds vuqlkj mRrjoknh@ifjoknh us fu/kkZfjr jde le; ij tek fd;k blds ckotwn vihykFkhZ@vukosnd cSad }kjk _.k eqfDr izek.k&i= ugha fn;k x;kA vihykFkhZ@vukosnd cSad us fcuk lwpuk fn, lwus ?kj esa ?kqldj tcjnLrh VsªDVj&Vªkyh ,oa d`f"k midj.k ;a= tCr dj ys x;sA bl rjg mRrjoknh@ifjoknh ds izfr vihykFkhZ@ vukosnd cSad }kjk lsok esa deh ,oa O;olkf;d dnkpj.k fd;k x;k gSA Jh Mh- vkj- ;kno vf/koDrk us ftyk Qksje }kjk ikfjr vkns'k dks mfpr :Ik ls ikfjr vkns'k crkrs gq, mDr vkns'k dk leFkZu fd;k gSA 13- geus mHk;i{k ds fo)ku vf/koDrkvksa dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k dk Hkh ifj'khyu fd;kA 14- izLrqr izdj.k ds lexz ifj'khyu ds Ik'pkr~ mRrfjr gksus ds fy, ;g fopkj.kh; iz'u mn~Hkwr gksrk gS fd D;k mRrjoknh@ifjoknh vius laiw.kZ _.k ds fy, 'kklu ds _.k jkgr ;kstuk 2008 dk ykHk izkIr djus dk vf/kdkjh Fkk vkSj D;k mRrjoknh@ifjoknh }kjk fn;k x;k opu&i= vfrns; fd'r ds fy, Fkk ;k laiw.kZ _.k jkf'k ds fy, Fkk vkSj D;k vihykFkhZ@vukosnd cSad }kjk mRrjoknh@ifjoknh dk VsªDVj&Vªkyh ,oa vU; midj.k tCr dj mRrjoknh@ifjoknh ds vfrns; _.k [kkrk esa // 9 // tek djuk lsok esa deh dh Js.kh esa vkrk gS\ mijksDr dk fujkdj.k fuEukuqlkj fd;k tk jgk gSA 15- ftl opu&i= dks fook|d cuk;k tk jgk gS mDr laca/k esa mRrjoknh@ifjoknh us vius ifjokn&i= dh dafMdk&6 esa fy[kk gS fd **vkosnd dks vukosnd ¼cSad½ ;wfu;u cSad vkWQ bafM;k us _.k pqdkus ,oa _.k eqfDr gsrq opu&i= Hkjok;k Fkk ftl opu&i= esa Li"V fy[kk gS fd 30-06-2009 rd _.k dh jde vfrns; fd'r jde 2]32]596@& :Ik;s jde tek djus ij _.k jkgr eqfDr izek.k&i= izkIr fd;k tkosxkA** blls Li"V gS fd 2]32]596@&¼nks yk[k cRrhl gtkj ikap lkS fN;kucs :Ik;s½ vfrns; fd'r dh jkf'k gS u fd laiw.kZ _.k jkf'kA _.k [kkrs ds fooj.kh ls Li"V gS fd mDr jkf'k mRrjoknh@ifjoknh }kjk fu;r le; esa tek dj nh xbZ Fkh blfy, vihykFkhZ@vukosnd cSad }kjk fu;ekuqlkj NwV dh jkf'k 77]532@&¼lrgRrj gtkj ikap lkS cRrhl :Ik;s½ mRrjoknh@ifjoknh ds mDr _.k [kkrs esa tek dj nh xbZ gSA bl rjg vihykFkhZ@vukosnd cSad us mDr _.k jkgr ;kstuk ds varxZr fu;ekuqlkj dk;Zokgh dh gS ftls lsok esa deh ugha dgk tk ldrk gSA 16- ;gka ge Agricultural Debt Waiver and Debt Relief Scheme, 2008 ds lqlaxr Hkkx dks mn~?k`r djuk pkgsaxs tks fuEukuqlkj gS%& "Debt Relief:
Û In case of other farmers, there will be a one time settlement (OTS) scheme under which tha farmer will be given a rabate of 25% of the eligible amount subject to the condition that the farmer pays the balance of 75% of the balance amount.
// 10 // Û In case of 237 revenue districts listed in Annexure IV will be given OTS rebate of 25% of the eligible amount or Rs. 20000, whichever is higher, subject to the condition that the farmer pays the balance amount.
Û In these districts, if the entire eligible amount is less than Rs. 20000, then the entire amount will be eligible for waiver.
Û A farmer classified as other farmer eligible for OTS relief shall give an undertaking agreeing to pay his share (That is eligible amount minus amount of OTS relief) in not more than 3 installments and first two installments shall be for an amount not less than one third of his share. The last dates of payment in the case of three installments will be September 30 2008, March 31, 2009 and June 30, 2009. We will be communicating the format of undertaking as and when the format is communicated by RBI.
Farmers for the scheme will be defined: A farmer cultivating (as owner or tenant or share cropper) agricultural lands up to:
Category of farmer Land holding in ha.
Marginal farmer Up to 1 hectare (2.50 acres)
Small farmer 1 hectare and up to 2 hectare (5 acres)
Other farmer More than 2 hectare (more than 5
acres)
mijksDr ls Li"V gksrk gS fd mRrjoknh@ifjoknh vU; d`"kd Js.kh esa vkrk gS D;ksafd mlds ikl 2-93 gsDVs;j Hkwfe gSA ;kstuk varxZr ik= jkf'k&vfrns; fd'r dh jkf'k gS rFkk _.k NwV dh jkf'k&ik= jkf'k ds 25% vFkok 20]000@&:Ik;s ¼237 jktLo fjdkMZ vuqyXud IV½ esa tks Hkh T;knk gSA bl rjg mRrjoknh@ifjoknh dks 77]532@&¼lrgRrj gtkj ikap lkS cRrhl :Ik;s½ dh NwV jkf'k vfrns; fd'r jkf'k esa nh xbZ // 11 // gS tks fd mDr _.k jkgr ;kstuk varxZr fu;ekuqlkj nh xbZ gS ftls lsok esa deh ugha dgk tk ldrk gSA 17- mRrjoknh@ifjoknh us vius ifjokn&i= esa fy[kk gS fd **vukosnd cSad us fcuk lwpuk fn, lwus ?kj esa ?kqldj tcjnLrh VsªDVj&Vªkyh ,oa d`f"k midj.k ;a= dks tCr dj ys x;kA** vihykFkhZ@vukosnd cSad us mRrjoknh@ifjoknh ds bl dFku dks vlR; dFku dgk gSA vihykFkhZ@vukosnd cSad dk ;g Hkh rdZ gS fd ;fn tcjnLrh ?kj esa ?kqldj VªsDVj&Vªkyh bR;kfn tCr dh xbZ rks mRrjoknh@ifjoknh dks bl laaca/k esa Fkkus esa fjiksVZ djuk Fkk ,oa lk{; esa fjiksVZ dh izfr izLrqr fd;k tkuk Fkk ijUrq ,slk dksbZ lk{; ugha gSA ge vihykFkhZ@vukosnd cSad ds bl rdZ ls vlger gksus dk dksbZ Bksl vk/kkj ugha ikrs gSaA bl laca/k esa gkbZiksfFkds'ku ,xzhesaV dh dafMdk&10 dks mn~?k`r djuk pkgsaxs tks bl izdkj gS%& "(10) Right of possession:
In the event of default, the bank will have a right to take over possession of the securities charged and sell them and recover its dues. The borrower hereby authorises the bank to act as their attorney/agents for all intents and purposes for effectual implementation of the aforesaid action."
mijksDr ls Li"V gS fd vihykFkhZ@vukosnd cSad ds }kjk fu;ekuqlkj d`f"k midj.k dks tCr fd;k gS vkSj pwWafd mRrjoknh@ ifjoknh fMQkYVj jgk gS blfy, vihykFkhZ@vukosnd cSad dk ;g d`R; fu;ekuqlkj gS rFkk ;g lsok esa deh dh Js.kh esa ugha vkrk gSA // 12 // 18- mijksDr foospuk ds vk/kkj ij ge ;g fu"df"kZr djrs gSa fd ftyk Qksje us tks vkns'k ikfjr fd;k gS og =qfViw.kZ gS vkSj fLFkj j[ks tkus ;ksX; ugha gSA 19- vr% vihykFkhZ@vukosnd cSad dh vksj ls izLrqr vihy Lohdkj fd;s tkus ;ksX; gS] vr% vihy Lohdkj dh tkrh gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&29-01-2014 vikLr fd;k tkrk gSA ifj.kke Lo:Ik ifjokn fujLr fd;k tkrk gSA vihy O;; ds laca/k esa dksbZ vkns'k ugha fd;k tk jgk gSA ¼U;k;ewfrZ vkj- ,l- 'kekZ½ ¼lqJh fguk BDdj½ ¼Mh- ds- iksn~nkj½ v/;{k lnL;k lnL;
@04@2015 @04@2015 @04@2015