State Consumer Disputes Redressal Commission
Dasrath Singh vs Icici Bank & Others on 22 August, 2019
1 jkT; miHkksDrk fookn izfrrks"k vk;ksx] cSap uacj 2] jktLFkku] t;iqj ifjokn la[;k % 62@2014 n'kjFk flag iq= Jh izgykn flag] mez yxHkx 45 o"kZ fuoklh %& xkao MkcM+h iqfyl Fkkuk lnj Qrsgiqj ftyk lhdj ¼ jkt0 ½ ifjoknh cuke 01- vkbZ-lh-vkbZ-lh-vkbZ- cSad fyfeVsM] t;iqj 'kk[kk] Jhth VkWoj lh&99] lqHkk"k ekxZ] vafglk lfdZy ds ikl] lh&Ldhe] t;iqj tfj;s 'kk[kk izcU/kd 02- vkbZ-lh-vkbZ-lh-vkbZ- cSad fyfeVsM] jhtuy vkWfQl Jhth VkWoj] lh&99 lqHkk"k ekxZ] vafglk lfdZy ds ikl] lh&Ldhe] t;iqj tfj;s jhtuy izcU/kd 03- fufru dqekj mQZ vfrUnz xkSM+ iq= Jh xksiky 'kekZ] mez 29 lky] fuoklh edku uacj 564] xzkm.M ¶yksj] , CykWd xyh uacj&12] e.Mksyh ,DVs] cSad dkWyksuh jksM] fu;j nqxkZ eafnj fnYyh & 110093 xkao ehjkiqj iksLV okfgp Fkkuk f'kdkjiqjk ftyk cqyUn'kgj ¼ U.P. ½ foi{khx.k le{k ekuuh; Jh dey dqekj ckxM+h] lnL; ¼U;kf;d½ ekuuh; Jherh ehuk esgrk lnL;
mifLFkr %& ifjoknh Jh n'kjFk flag e; vf/koDrk Jh jktho lksxjoky foi{khx.k dh vksj ls Jh vt;jkt VkafV;k vf/koDrk 2 fu.kZ; fnukad%& 22 vxLr] 2019 jkT; vk;ksx jktLFkku t;iqj ¼}kjk Jh dey dqekj ckxM+h] lnL;] ¼U;kf;d½ ;g ifjokn n'kjFk flag dh vksj ls vkbZ-lh-vkbZ-lh-vkbZ- cSad fyfeVsM ,oa vU; ds fo:) bl vk;ksx esa fnukad 10 twu] 2014 dks izLrqr fd;kA izdj.k ds rF; bl izdkj gS fd] vkbZ-lh-vkbZ-lh-vkbZ- cSad fyfeVsM fjtoZ cSad ls izkf/kd`r vf/kd`r ,oa ekU;rk izkIr cSad gS tks fd Hkkjr o"kZ esa cSafdx dk;Zdyki fofHkUu 'kk[kkvksa ds ek/;e ls lapkfyr djrh gSA foi{kh la[;k 1 bl cSad dh 'kk[kk gS ftlesa ifjoknh us ,d Personal Banking New Savings Account fnukad 04-12-2010 dks 10]000@&:- tek djokdj [kqyok;k ftldk [kkrk la[;k 001201595970 gS] rRi'pkr~ foi{kh la[;k 1 us ifjoknh dks pSd cqd ,oa ,Vh,e dkMZ dh lqfo/kk iznku dh FkhA pwafd ifjknh ds f'k{kk dk Lrj fuEu gksus ls ,oa dEI;wVj ls lacfa /kr tkudkjh ugha gksus ls mlus usV cSafdx dh lqfo/kk izkIr ugha dhA fnukad 16 ekpZ] 2011 dks ifjoknhus 27]00]000@&:- foi{kh la[;k 1 dh cSad 'kk[kk esa te djok;s Fks] rFkk rRi'pkr~ C;kt tksM+us ds miajkr 28]00]000@&:- jkf'k tek FkhA foi{khx.k us vius cSad esa foi{kh la[;k 3 vfrUnz mQZ fufru dqekj uked O;fDr ftldk lgh uke fufru dqekj gS og ewyr% cqyUn'kgj] mRrjizns'k dk jgus okyk gS mlus foi{khx.k dh cSad esa lsYl eSustj ds :i esa fu;qDr gksrs le; vius uke dks vfrUnz uke o f'k{k.k lacfa /kr leLr nLrkosth QthZ rjhds ls cuokdj fu;qfDr izkIr dh FkhA pwfa d Lo;a cSad us tkucw>dj fcuk f'k{k.k nLrkostksa dk osfjfQds'ku djok;s mDr cSad esa lsYl eSustj ds in ij fu;qfDr nh xbZ nkSjkus cSad ds fu;kstu foi{kh la[;k 3 fufru dqekj us cSad ls QzksM dj xyr >wWBs ,oa eux<Ur nLrkostksa ds vk/kkj ij ifjoknh ds cSad [kkrs dks iqu% ,fDVosV djokdj mlds uke ls vU; [kkrs [kqyokdj muesa :i;s tek djokdj lksuk [kjhnk o foi{kh la[;k 3 us Lo;a ds uke ls ikWfylh yh Fkh] rFkk ifjoknh ds xqe gq;s eksckbZy uacjks dk nq:i;ksx dj djhc 2 o"kZ esa ifjoknh ds [kkrs esa tek jkf'k 28]00]000@&:- dks fofHkUu rkjh[kksa esa fufru dqekj cSad deZpkjh gksus ds dkj.k ifjoknh ds [kkrs ls mijksDr leLr jkf'k xSj dkuwuh :i ls fudky yh tc fd ifjoknh 27]00]000@&:- foi{kh la[;k 1 cSad 'kk[kk esa tek djokus ds miajkr ifjoknh us cSad ls dHkh Hkh dksbZ laO;ogkj foi{kh la[;k 1 ds lkFk 3 ugha fd;k vkSj uk gh ,Vh,e dkMZ dk iz;ksx fd;k rFkk ifjoknh us foi{kh cSad ls dHkh usV cSafdx lsok ysus dk fuosnu ugha fd;k vkSj uk gh mDr lqfo/kk dHkh izkIr dh rFkk uk gh ifjoknh us fdlh Hkh nLrkostksa ij vius gLrk{kj djds [kkrk [kksyus ckcr~ fuosnu fd;kA foi{kh la[;k 1 ds }kjk tkjh pSd cqd esa ls ,d pSd dks dsfUly dj crkSj lcwr Jheku~ ds le{k bl ifjokn i= ds lkFk layXu dj izn'kZ&1 ls iznf'kZr gSA ifjoknh us ,d izFke lwpuk fjiksVZ la[;k 05@2014 vijk/k vUrxZr /kkjk 66lh] 66Mh] vkbZ-Vh-,DV ¼ la'kksf/kr 2008 ½ lifBr /kkjk 420] 467] 468 ,oa 471 vkbZ-ih-lh- ds rgr~ Fkkuk lkbZcj dzkbZe t;iqj esa ntZ djok;hA mDr izFke lwpuk fjiksVZ ntZ gksus ds miajkr nkSjkus vuqla/kku cSad deZpkjh vfrUnz mQZ fufru dqekj lsYl eSustj dks nkSjkus vuqla/kku fxjQ~rkj fd;k x;k rRi'pkr~ lacaf/kr lS'ku U;k;ky; us eqyfte dk tekur izkFkZuk&i= [kkfjt djus ds miajkr fufru mQZ vfrUnz ds uke ls jktLFkku mPp U;k;ky;] t;iqj esa ,d tekur izkFkZuk&i= la[;k 6165@2014 izLrqr dh tks yafcr gS rFkk orZeku esa eqyfte U;kf;d vfHkj{kk esa gSA izFke lwpuk fjiksVZ dh QksVks o tekur izkFkZuk&i= la[;k 14@2014 vkns'k fnukafdr 20-05-2014 dh izfr ifjokn i= ds lkFk layXu gSA foi{kh cSad esa vfrUnz mQZ fufru lsYl eSustj in ij fu;ksftr Fkk nkSjkus QzksM mDr deZpkjh fujUrj fu;kstu esa jgk bl izdkj lqLFkkfir gS fd cSad ds fdlh deZpkjh ds }kjk fd;s x;s QzksM ds fy;s Lo;a foi{kh cSad ifjoknh dks mDr jkf'k e; gtkZ [kpkZ 24 izfr'kr okf"kZd nj ls C;kt nsus ds fy;s ftEesnkj gSA pwfa d ifjoknh ds [kkrs ls cSad deZpkjh vfrUnz mQZ fufru us QzksM dj ifjoknh ds [kkrs ls 28]00]000@&:- ,oa C;kt jkf'k dk vkgj.k dj fy;k bl d`R; ds fy;s foi{kh cSad ftEesnkj gS ftl ckcr~ ifjoknh us foi{kh ds 'kk[kk esa tkdj dbZ erZck mDr jkf'k e; C;kt o gtkZ [kpkZ dk Hkqxrku djus ds fy;s fuosnu fd;k rks lacaf/kr l{ke vf/kdkjh us ifjoknh dks mDr [kkrs ls QzksM dh xbZ 28]00]000@&:- jkf'k e; C;kt dk Hkqxrku ugha djus ij ifjoknh us vius vf/koDrk ds ek/;e ls uksfVl fnukad 15-05-2014 dks tfj;s jftLVMZ Mkd ls 15 fnol dk izsf"kr djok;k mDr uksfVl izkIr gksus ds miajkr foi{khx.k us uk rks ifjoknh dks mDr jkf'k 28]00]000@&:- e; C;kt nj 24 izfr'kr dk Hkqxrku fd;k vkSj uk gh uksfVl dk tokc fn;kA bl izdkj uksfVl vof/k O;rhr gksus 4 ds mijkar ifjoknh dks Jheku~ ds le{k ifjokn is'k djuk vko';d gqvkA ifjoknh cSad dk [kkrk/kkjh gksus ds dkj.k foi{kh cSad dk miHkksDrk gS rFkk cSad ds deZpkjh ds }kjk ifjoknh ds [kkrs ls QzksM djds fudkyh xbZ jkf'k ds fy;s vkbZ-lh-vkbZ-lh-vkbZ- cSad fyfeVsM ftEesnkj gS] ijUrq cSad us viuh lsokvksa dk fuoZgu fof/k lEer ugha fd;k gS] ftldh otg ls ifjoknh dks vuko';d vkfFkZd] ekufld uqdlku gqvk rFkk cSad esa tek jkf'k ls Lo;a dk O;olk; djuk pkgrk Fkk ftlls oafpr jgk vkSj O;olk; djus ls tks ifjoknh dks vk; gksrh mlls Hkh oafpr jgk gSA ftlds fy, ifjoknh cSad ls crkSj {kfriwfrZ 18]00]000@&:- izkIr djus dk vf/kdkjh gS o ifjoknh ds cSad [kkrs ls 28]00]000@&:- ¼ v{kjs vBkbZl yk[k :- ½ dk QzksM o xcu cSad deZpkjh ds }kjk fd;k x;k gS ftlds crkSj {kfriwfrZ djus dh ftEesnkj foi{kh cSad dh gSA vr% ifjokn esa pkgs x;s vuqrks"k fnyok;s tk;saA ifjoknh dh vksj ls ifjokn ,oa lk{; ds leFkZu esa Lo;a dk 'kiFk&i= ,oa izn'kZ@1 yxk;r izn'kZ@4A nLrkost izLrqr fd;sA foi{kh la[;k 1 o 2 dh vksj ls tokc esa of.kZr dFku esa dsoy ;g Lohdkj gS fd feu foi{kh cSad fjtoZ cSad vkWQ bf.M;k ls izkf/kd`r vf/kd`r ,oa ekU;rk izkIr cSad gSa] tks fd Hkkjr o"kZ esa cSafdx dk;Zdyki viuh fofHkUu 'kk[kkvksa ds ek/;e ls lapkfyr djrh vk jgh gSA ifjoknh }kjk feu foi{kh cSad ds ;gkWa fnukad 04-12-2010 dks cpr [kkrk [kksyus dk vuqjks/k fd;k x;k rRi'pkr~ mlds vuqjks/k ij lacfa /kr 'kk[kk }kjk loZ izFke fnukad 04-12-2010 dks vkbZ fdV ifjoknh ds uke ls izkIr fd;k x;kA rRi'pkr~ fnukad 21-02-2011 dks ifjoknh }kjk [kkrk [kksyus ckcr~ leLr vkSipkfjdrk;sa iwjh dh] ifjoknh }kjk [kkrs esa uksfeuh viuh ekrk Jherh HkWaoj dWaoj dks vafdr fd;k x;k o vius fctyh dk fcy] rFkk viuk MªkbZfoax ykbZlsUl Hkh vius vdkmUV vksifuax QkeZ ds lkFk izLrqr fd;k o vkosnu i= ij vius gLrk{kj fd;s] rRi'pkr~ gh ifjoknh dk mDr [kkrk uacj 001201595970 [kksyk x;kA [kkrk [kqyokrs le; ifjoknh us udn 10]200@&:-
tek djok;s] [kkrs esa fnukad 16-03-2011 dks 28]00]000@&:- ¼ v{kjs vBkbZl yk[k :- ½ tek gks x;s Fks] rRi'pkr~ ifjoknh dk [kkrs dk dzsfMV cSyUsa l 28]10]208@&:- ¼ v{kjs vBkbZl yk[k nl gtkj nkS lkS vkB :- ½ o fnukad 06-09-2013 dks ifjoknh ds [kkrs dk cSysUl 0 ¼ thjks ½ FkkA fjdkMZ esa foi{kh la[;k 3 dk tks uke vafdr gS og vfrUnz xkSM+ gS o foi{kh la[;k 3 dks foi{kh 5 ds ;gkWa tks Hkh fu;qfDr nh gS] og feu foi{kh ds ,p-vkj- foHkkx }kjk feu foi{kh cSad dh lEiw.kZ vkSipkfjdrk,Wa foi{kh la[;k 3 }kjk iw.kZ fd;s tkus ds miajkr gh fu;qfDr nh gSA ifjoknh dh ,Q-vkbZ-vkj- la[;k 5@2014 fnukad 29-01-2014 yafcr gSA foi{kh la[;k 3 dk izLrqr izdj.k eas fdruk gLr{ksi gS og vuqla/kku o izdj.k ekuuh; U;k;ky; ds le{k yafcr gSA izLrqr izdj.k dh tkap feu foi{kh cSad dh bUoslfVxs'ku Vhe }kjk Hkh dh xbZ o tkap ds nkSjku o vk/kkj ij ;g ik;k fd ifjoknh }kjk mDr [kkrs ds lapkyu esa Lo;a ifjoknh }kjk ykijokgh cjrh xbZ gSA ifjoknh us mDr [kkrs dh lEiw.kZ ysu nsu dh tkudkjh ifjoknh ds lg;ksxh Jh dey uke ds O;fDr dks Hkh lnSo jgh gSA pwfa d [kkrk [kqyokrs le; Hkh dey uke dk O;fDr ifjoknh ds lkFk Fkk o [kkrk [kqyokus ls lacfa /kr tks Hkh nLrkost bR;kfn ifjoknh }kjk foi{kh cSad esa lqiqnZ fd;s mudh leLr nLrkostkr dh QksVks izfr;ka dey }kjk djok dj ykbZ xbZ FkhA ifjoknh ds [kkrs esa tks jkf'k;kWa tek dh xbZ fudkyh xbZ mu lHkh rF;ksa dh tkudkjh dey dks Hkh Fkh] lkFk gh foi{kh ;gkWa ;g fuosnu djuk mfpr le>rk gS fd ifjoknh }kjk viuk mDr [kkrk [kqyokrs le; tks eksckbZy uacj 9314886534 vafdr djok j[kk FkkA ftl ij ifjoknh ds izR;sd mDr [kkrs ds VªkatsD'ku dh lwpuk feu foi{kh ds }kjk dh tkrh Fkh] og Hkh ifjoknh }kjk eksckbZy Qksu pksjh gksuk cryk;k fdUrq ifjoknh us mDr eksckbZy Qksu xqeus ds lUnHkZ esa uk rks iqfyl Fkkus esa dksbZ fjiksVZ izLrqr dh uk gh feu foi{kh ds ;gkWa bl rF; dh lwpuk nh] ifjoknh dks pkfg, Fkk fd tSls gh mDr eksckbZy Qksu o fle ifjoknh dk pksjh gqvk] mls feu foi{kh cSad dks Hkh vfoyac lwfpr djuk pkfg, Fkk rkfd ifjoknh dks mlds [kkrs ls lacfa /kr izR;sd lwpuk lqpk: :i ls izkIr gks ldrh FkhA feu foi{kh cSad ls tks Hkh lwpuk ,l-,e-,l- ds tfj;s miHkksDrk dks tkrh gSA og ifjoknh ds pksjh gq;s eksckbZy uacj ij gh feu foi{kh ds cSad }kjk dh tkrh jgh ftldh dh pksjh gksus dh tkudkjh feu foi{kh cSad dks ugha FkhA ifjoknh }kjk izFke lwpuk fjiksVZ la[;k 05@2014 ntZ djok;k tkuk fookfnr ugha gSA foi{kh ;gkWa ;g fuosnu djuk mfpr le>rk gS fd feu foi{kh cSad ,d foRrh; laLFkk gS tks fd Hkkjrh; fjotZ cSad vkWQ bf.M;k ds fn'kk funsZ'kksa ds vuq:i dk;Z djrh gS rFkk feu foi{kh cSad dh foRrh; laLFkkvksa esa ,d vyx lk[kk dk;e gS feu foi{kh cSad vius miHkksDrkvksa dk :i;k lqjf{kr j[kus dk dk;Z djrk gS rFkk miHkksDrkvksa dks ogh jkf'k _.k ds :i esa Hkh miyC/k djokrk 6 gSA feu foi{kh cSad vius mDr cSafdx dk;Z esa fdlh Hkh izdkj dh dksbZ dksrkgh ;k ykijokgh ugha cjrh gSA izLrqr izdj.k esa ifjoknh Lo;a }kjk vius mDr [kkrs ds lapkyu esa o [kkrs ls lacaf/kr tks lwpuk miHkksDrk dks xksiuh; j[kuh pkfg, og ugha j[kh xbZA ftldh iqf"V Lo;a ifjoknh ds dFkuksa ls o feu foi{kh cSad dh buosLVhxs'ku Vhe ds le{k Hkh dh ftlds vk/kkj ij mDr rF; lkeus vk;s fd ifjoknh ds mDr [kkrs dh lEiw.kZ tkudkjh ifjoknh ds gh tkudkj O;fDr dey dks FkhA ifjoknh }kjk vius vf/koDrk ds tfj;s tks lwpuk i= foi{kh dks izsf"kr djok;k mldk tokc feu foi{kh }kjk ifjoknh dks 31 tqykbZ 2014 dks fHktok fn;k x;kA ifjoknh dk feu foi{kh ds ;gkW cpr [kkrk gksuk fookfnr ugha gSA ifjoknh viuh Lo;a dh ykijokgh feu foi{kh ij Fkksius ij mrk: gSA feu foi{kh fdlh Hkh izdkj dh dksbZ jkf'k C;kt o {kfriwfrZ ds fy, ftEesnkj ugha gSA ;fn pSDl ikl djus esa vko';d lko/kkfu;kWa cjrh xbZ gS] rks cSad dks ftEesnkj ugha Bgjk;k tk ldrkA blh izdkj izLrqr izdj.k esa Hkh feu foi{kh cSad }kjk fdlh Hkh izdkj dh dksbZ ykijokgh o dksrkgh ugha cjrh gSA foi{kh dh vksj ls fdlh Hkh izdkj dh dksbZ /kks[kk/kM+h vuqfpr O;kikfjd O;ogkj o lsoknks"k dkfjr ugha fd;k gSA ifjoknh dks Lo;a dks ltx jguk pkfg, FkkA mDr izdj.k esa lquokbZ dk {ks=kf/kdkj izkIr ugha gS] D;ksa fd izLrqr fookn ds lUnHkZ esa ifjoknh us ,d izFke lwpuk fjiksVZ 05@2014 ntZ djok j[kh gSA ftlesa vHkh vuqla/kku py jgk gS rFkk xgu lk{; dk fo"k; gS tks fd miHkksDrk vf/kfu;e ds rgr~ laf{kIr lquokbZ@tkap ls fuLrkfjr ugha fd;k tk ldrkA vr% ifjoknh dk ifjokn [kkfjt fd;k tk;saA foi{kh dh vksj ls tokc ,oa lk{; ds leFkZu esa txnh'k pUn dk 'kiFk&i= izLrqr fd;kA cgl lquh x;h ,oa i=koyh rFkk nLrkostkr dk voyksdu fd;k x;kA ifjoknh us foi{khx.k ds ;gkWa [kkrk [kqyok;k ftlesa 10]000@&:- tek djok;s mlds ckn ifjoknh us 27]00]000@&:- ¼ v{kjs lRrkbZl yk[k :- ½ 16 ekpZ] 2011 dks tek djok;sA ifjoknh us [kkrs ls dksbZ ysu&nsu ugha fd;k] cSad ds deZpkjh fufru dqekj mQZ vfrUnz tks fd cSad dk lsYl eSustj Fkk mlus cSad 7 ds nLrkost ds vk/kkj ij QthZ nLrkost o ATM rS;kj dj fy;k rFkk C;kt lfgr 28]00]000@&:- ¼ v{kjs vBkbZl yk[k :- ½ fudky fy;sA ifjoknh us izFke lwpuk fjiksVZ la[;k 05@2014 lkbZcj Fkkuk] t;iqj esa ntZ djok;h] rQ~rh'k esa fufru dqekj mQZ vfrUnz xkSM+ dks vfHk;qDr ik;k x;k ftls fxj¶rkj fd;k x;k mldh tekur ugha gqbZ] ml ij vkjksi r; dj fn;s x;s rFkk ekeyk lk{; dh LVst ij gSA foi{kh la[;k 3 tks fd cSad dk deZpkjh Fkk mlus ATM o NFS ds tfj;s 15-08-2012 ls :i;s fudkyus 'kq: fd;s vkSj 26-09-2012 rd :i;s fudky fy;s rFkk ifjoknh dk [kkrk fuy (NIL) dj fn;k x;kA foi{kh us ,d iz'u ;g mBk;k gS fd ifjokn fe;kn ckgj gSA ifjoknh us 3 lky rd vius [kkrs dk /;ku ugha fn;k ifjoknh ds [kkrs ls 15-08-2012 ls :i;s fudkyus 'kq: gq, tks 26-09-2012 rd :i;s fudkys gSA bu rkjh[kksa ls okn vk/kkj ekuk tkoas rks] fnukad 10-06-2014 dks ifjokn is'k gks x;k gS blfy, ;g ugha dgk tk ldrk fd ifjokn fe;kn ckgj gSA ifjoknh ;fn :i;s tek djokdj [kkrs ls dksbZ ysu&nsu ugha djrk gS] rks] bldk eryc ;g ugha fd mlds In action ugha gksus ds dkj.k [kkrs dh tek jkf'k lekIr gks tk;sxh ;fn mlus [kkrs esa :i;s tek djok;s gS rks cSad blds fy, ftEesnkj gSA bl lac/a k esa IV 2014 CPJ 167 (NC) STATE BANK OF INDIA Vs. SHEO KUMAR SHARMA esa ekuuh; jk"Vªh;
vk;ksx us fuEu fu/kkZfjr fd;k gS %& Consumer Protection Act, 1986 - Sections 2 (1) (g), 21 (b) - Banking and Financial Institutions Services - Cheque - Forgery - Fraudulent withdrawal--Two Cheque books issued - Cheating--Financial loss - Deficiency in service - Distict Forum allowed complaint
- State Commission partly allowed appeal - Hence revision -- First cheque book was issued in complete violation of guidelines/circular issued by RBI - Even the requisition letter not traceable from records ob Bank - Mere inaction on part of customer for long period of time in not discovering fraud or irregularity, in absence of knowledge, cannot by itself be a defence to defeat customer in action for loss - Deficiency proved - Directions issued regarding rate of interest.8
ekuuh; jk"Vªh; vk;ksx }kjk izfrikfnr fl)kUrksa ds vuqlkj ;fn ifjoknh :i;s tek djkus ds ckn In action ugha jgrk rks Hkh mlds og :i;s izkIr djus dk C;kt lfgr vf/kdkjh gksxkA cSad yEcs le; rd ysu&nsu ugha djus ds dkj.k :i;s nsus ls badkj ugha dj ldrkA cSad deZpkjh us ;fn dksbZ xcu fd;k gS rks blds fy, ifjoknh dks mRrjnk;h ugha Bgjk;k tk ldrk] cSad gh mRrjnk;h gSA tokc esa ,d dey uke ds O;fDr tks fd ifjoknh dk feyus okyk crk;k tkrk gS [kkrs dh lkjh tkudkjh gksuk crk;k tk jgk gS] gks ldrk gS fd ifjoknh vius fdlh tkudkj dks ysdj cSad esa [kkrk [kqyokus x;k gks ;k fdlh tkudkj O;fDr ds tfj;s [kkrk [kqyok;k gks] rks bldk eryc ;g ugha fd oks xcu dj x;kA cSad esa [kkrk [kqyk gS cSad esa :i;s tek gq, gSA bl rF; ij dksbZ fookn ugha gSA iqfyl rQ~rh'k esa cSad dk lSYl eSustj vfrUnz mQZ fufru xkSM+ vfHk;qDr Bgjk;k tk pqdk gS rFkk mlds fo:) vkjksi&i= Hkh is'k gks pqdk gS rFkk ml ij vkjksi Hkh yxk;s tk pqds gSA izdj.k vfHk;qDrx.k dh lk{; dh LVst ij py jgk gSA ,slh fLFkfr esa dey uke ds O;fDr dks [kkrs dh tkudkjh gksuk ;k ugha gksuk dksbZ ek;us ugha j[krh gSA vc iz'u mRiUu gksrk gS fd cSad xcu ds fy, mRrjnk;h gS ;k ugha \ ifjoknh us cSad esa [kkrk [kqyok;k cSad esa :i;s tek djok;s ;g Lohd`r fLFkfr gSA cSad ds deZpkjh us mDr iSls fudky fy;s xcu dj fy;k bldk eryc ;g ugha fd cSad ftEesnkj ugha gSA pwfa d ifjoknh us rks cSad esa iSls tek djok;s gS cSad bldk VªLVh gS mlds :i;s lqjf{kr j[kuk cSad dk dke gS] cSad ds deZpkjh us ;fn dksbZ xcu Hkh fd;k gS rks mldk n.M ifjoknh dks ugha fn;k tk ldrkA (2011) 15 Supreme Court Cases 113 Haryana Gramin Bank And Another. Vs. Madan Lal esa ekuuh;
loksZPp U;k;ky; us fuEu fu/kkZfjr fd;k gS %& Consumer Protection - Services - Banking And Other financial service - Banking service - Deficiency in service - Bank Staff misappropriating and embezzling customer's money - Respondent complaint demanding 9 return of deposited money and damages from appellant Bank on ground of vicarious liability - Appellant Bank refusing payment of money for tortious acts of its officials and contended that respondent complainant had already withdrawn the deposited amount - All fora below concurrently holding that appellant Bank was respondent complaint - Interference with - Held, concurrent findings recorded by Consumer Fora did not suffer from any infirmity - appellant Bank did not produce any evidence to establish that respondent complainant had, in fact, withdrawn amount deposited by him even in the absence of corresponding entries in passbooks - Appellant Bank vicarious liable for wrongdoings of its staff resulting in monetary loss to respondent complaint - No evidence was produced to show that respondent complainant manipulated entries in passbook - Hence no ground made out for interference - Tort Law - Master and Servant - Vicarious liability of master (Bank) for acts of his servant - Consumer Protection Act, 1986, Ss. 2(1)(g), 12, 15, 19 and 23.
IV (2018) CPJ 17 (NC) KOTAK MAHINDRA BANK LTD. & ORS. Vs. KAILASH CHAND & ANR.
esa ekuuh; jk"Vªh; vk;ksx us fuEu fu/kkZfjr fd;k gS%& Consumer Protection Act, 1986 - Sections 2 (1) (g), 14 (1) (d), 21 (a) (ii) - Banking and Financial Institutions Services - Illegal act of officials--Amount siphoned off--Transaction for investment in various mutual funds - Fraud - Deficiency in service - State Commission allowed complaint - Hence appeal - OPs have filed additional documents like copies of cheques, statement of account and letter signed by complainant No. 1 - Signature of complainant No. 1, neither matches nor is identical in the characteristics - Moreover, there are some corrections/interpolations on the cheque - To cover up the anomaly, OP had honoured cheque and put blame on complainant No. 1, that it was honoured only 10 under his instructions - OP has intentionally not filed original chequre -- It is not acceptable that complainant No. 1, who is an illiterate person, on his own volition, will opt for investment of a huge amount in mutural funds like Birla Sun Life Saving Fund (10 Lakh) and HDFC Cash Managmement Funds (50 Lakh) - For fraudulent act of Bank officials, complainant cannot be made to suffer - Deficiency proved - Compensation awarded.
III (2018) CPJ 237 (NC), Mumbai District Central CO-OP. Bank Ltd. Vs. ICICI Bank Ltd. esa ekuuh; jk"Vªh; vk;ksx us fuEu fu/kkZfjr fd;k gS%& Consumer Protection Act, 1986 - Sections 2(1)(g), 14(1)(d), 21(a)(i) - Banking and Financial Institutions Services - Fraud - Amount of two FDRs siphoned off - Fake and Forged documents used - Embezzlement of funds - Deficiency in service - Funds of complainant bank, invested with ICICI Bank were siphoned off by bank official(s) in connivance with some outsiders, thereby causing wrongful loss to complainant- ICICI Bank is vicariously liable for acts of misconduct committed by its employee(s) and siphoning off funds of complainant constitutes gross deficiency in services rendered by opposite party to complainant- OP-ICICI Bank is required to refund entries principal amount of Rs. 10 Crores along with compensation in the tern of simple interest @ 8% p.a. - Cost @ Rs. 25,000 awarded.
III (2016) CPJ 615 (NC), Mumbai Metropolitan Region Development Authority, Maharashtra Tourism Development Corporation Vs. Dena Bank esa ekuuh; jk"Vªh; vk;ksx us fuEu fu/kkZfjr fd;k gS%& Consumer Protection Act, 1986 - Sections 2(1)(d), 21(a)(i) - Banking and Financial Institutions Services - Fixed Deposits - Fraud - Amount siphoned off - Maturity amount denied on ground that FDRs in custody of complainant were forged document - Deficiency in 11 service - Failure of Bank Officials to Follow the procedure prescribed by Bank for opening Fixed Deposits account and overdraft/loan accounts have been admitted by Bank in its complaint to CBI - No Explanation from Bank as to why customer relationship from and specimen signature card were left blank and why even the photograph of account holder was not affixed on specimen signature card - Gross negligence on part of Bank shows connivance between Bank officials and persons who siphoned off the money belonging to complainants - In CC No. 947/2015, OP- Dena Bank is directed to pay entries principal amount of Rs. 351.50 crores to complainant along with interest applicable to FDR from time-to-time - In CC No. 259/2014, OP-Dena Bank is directed to pay entries principal amount of Rs. 1,25,82,82,737 to complainant along with interest applicable to FDR - Acts of negligence on part of functionaries/officers of MMRDA and MTDC cannot be ignored as minor aberrations and need to de dealt with administratively - Acts of negligence on part of MMRDA and MTDC have no bearing on liability of OP-Dena Bank- Directions issued.
ekuuh; loksZPp U;k;ky; o ekuuh; jk"Vªh; vk;ksx }kjk izfrikfnr fl)kUrksa dh jks'kuh esa bl izdj.k dks ns[ks rks ekuuh; loksZPp U;k;ky; o ekuuh; jk"Vªh; vk;ksx }kjk izfrikfnr fl)kUr bl ij Hkh ykxw gksrs gSA ifjoknh us cSad esa :i;s tek djok;s cSad ds deZpkjh us Forgery o Fraud djds ifjoknh dh jkf'k dks xcu dj fy;k rks blds fy, Vicariously liable ds fl)kUr ds vk/kkj ij cSad mRrjnk;h gSA vr% ifjoknh dk ifjokn Lohdkj fd;k tkuk mfpr gSA vkns'k foi{kh la[;k 1 yxk;r 3] ifjoknh dks] la;qDr ,oa i`Fkd i`Fkd :i ls 28]00]000@&:- ¼ v{kjs vBkbZl yk[k :- ½ tek dh fnukad 16 ekpZ 2011 ls 12 izfr'kr okf"kZd dh nj ls C;kt lfgr vkns'k dh rkjh[k ls nks ekg esa vnk djsaA tks C;kt ifjoknh ds [kkrs esa tek fd;k gqvk gS og blesa ls lek;ksftr 12 dj fn;k tkosaA foi{kh la[;k 1 yxk;r 3] ifjoknh dks] la;qDr ,oa i`Fkd i`Fkd :i ls ekufld larki dh {kfriwfrZ Lo:i 5]00]000@&:- ¼ v{kjs ikWap yk[k :- ½ 16 ekpZ] 2011 ls 9 izfr'kr okf"kZd dh nj ls C;kt lfgr vkns'k dh rkjh[k ls nks ekg esa vnk djsAa ¼ ehuk esgrk ½ ¼ dey dqekj ckxM+h ½ lnL; lnL; ¼U;kf;d½ @ikBd@