State Consumer Disputes Redressal Commission
Sharad Govind Goverdhan vs M/S Dena Bank & Ors. on 7 April, 2016
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miHkksDrk fookn Áfrrks"k.k vk;ksx] i.Mjh] jk;iqj vihy Øekad% FA/15/668 lafLFkr fnukad% 03.12.2015 'kjn xksfoan xkso/kZu vkRet Lo-
Jh th-ds- xkso/kZu mez 67 o"kZ ,Dl eSustj NqbZ[knku ¼N-x-½ fuoklh&,&55] Vsyhdke uxj ukxiqj ¼egkjk"Vª½ ------ vihykFkhZ@ifjoknh fo:) 1- esllZ nsuk cSad }kjk&jhtuy vFkkfjVh nsuk cSad jhtuy vkfQl] :De.kh Hkou t;jke dkaiysDl ds ikl] jk;iqj¼N-x-½ orZeku irk&nsuk cSad] vapy dk;kZy;
Hkkjrh; thou chek fuxe fcYMhax ua-&02 iaMjh] jk;iqj¼N-x-½ 2- esllZ nsuk cSad }kjk&ps;jesu ,aM eSusftax Mk;jsDVj nsuk dkiksZjsV lsaVj] lh&10] th&Cykd ckUnzk dqykZ dkEiysDl] cknzk bZLV] eaqcbZ- 3- esllZ nsuk cSad }kjk bapktZ@lsdzsVjh izksfoMsaV QaM fMikVZesaV] 'kkjnk Hkou QZLV ¶yksj]feBhckbZ dkyst ds lkeus] Ogh ,e ekxZ ts Ogh ih Mh okby ikysZ osLV] eqacbZ] orZeku irk& ih-,Q@th-,Q-
@isU'ku foHkkx nsuk cSad] gksjuheu ldZy] eqacbZ&400054 [email protected] le{k% ekuuh; U;k;ewfrZ Jh vkj-,l-'kekZ] v/;{k ekuuh; lqJh fguk BDdj] lnL;k ekuuh; Jh Mh-ds-iksn~nkj] lnL;
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// 2 // i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh jkts'k ik.Ms;] vf/koDrkA mRrjoknhx.k dh vksj ls Jh HkwisUnz tSu] vf/koDrkA vkns'k fnukad% 07@04@2016 }kjk% ekuuh; Jh Mh-ds-iksn~nkj] lnL;
vihykFkhZ us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e 1986 ds vUrxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] jk;iqj ¼N-x-½ ¼ftls vkxs laf{kIr esa *ftyk Qksje* lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad 875@2011 **'kjn xksfoan xkso/kZu fo:) esllZ nsuk cSad o vU;** esa ikfjr vkns'k fnukad 09-10-2015] ftlds }kjk ifjoknh dk ifjokn fujLr fd;k x;k gS ls nqf[kr gksdj izLrqr fd;k gSA 2- vihykFkhZ@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd vihykFkhZ@ifjoknh mRrjoknh@vukosnd cSad esa fnukad 11-12-1970 dks dk;Zxzg.k fd;k vkSj cSad }kjk vius lnL; deZpkfj;ksa ds ykHk ds fy, pykbZ tk jgh bZ-ih-,Q- ;kstuk@lh-ih-,Q- ;kstuk dk lnL; cukA vihykFkhZ@ifjoknh dks vf/kokf"kZdh vk;q iw.kZ djus ds iwoZ gh mlds fo:) foHkkxh; tkWap pyk dj fcuk ;g lqfuf'pr fd;s fd cSad dks vihykFkhZ@ifjoknh ls gkfu vFkok {kfr igqaph gS fnukad 11-09-2001 dks lsok fuo`Rr dj fn;k x;kA mRrjoknh@vukosnd cSad vius drZO; ls ca/kk Fkk ,oa nkf;Ro/khu Fkk fd og vihykFkhZ@ifjoknh ds lsokfuo`Rr fnukad 11-10-2001 ls 30 fnol ds Hkhrj lh-ih-,Q- dh jkf'k :- 569215-06@& dk Hkqxrku izksfoMsUV QaM fu;eksa ds varxZr djrkA vihykFkhZ@ifjoknh ds fuosnu ij Hkh cSad }kjk /;ku ugha fn;k x;kA rRi'pkr~ tuojh 2004 esa mRrjoknh@vukosnd cSad }kjk vihykFkhZ@ifjoknh ds cpr [kkrs esa lh/ks lnL; ds Hkfo"; fuf/k esa va'knku dh jkf'k tek dj nh xbZA rFkk [kkrs dk fooj.k fnukad 06-01- // 3 // 2004 dks Hkstk x;k ftlesa vihykFkhZ@ifjoknh ds va'knku ij uoEcj 2001 rd dk C;kt fn;k x;k mls fnukad 06-01-2004 rd dk C;kt ugha fn;k x;k ftls vihykFkhZ@ifjoknh izkIr djus dk vf/kdkjh gSA vihykFkhZ@ifjoknh va'knk;h Hkfo"; fuf/k ;kstuk dk lnL; Fkk ftlds fy, mRrjoknh@vukosnd dza-3 cSad ,DtsEiVsM ,LVkfCy'kesaV Fkk tks bZ- ih-,Q- ds lnL;ksa dks ml Ldhe ds ykHk ds fy, bZ-ih-,Q- ds izko/kkuksa dk ikyu djus gsrw ck/; FkkA mRrjoknh@vukosnd cSad }kjk :-
45]077@& dh jkf'k izksfoMsaV QaM yksu ds uke ls mlds va'knku ls dkVh xbZ tcfd mls cSad }kjk yksu fn;k x;k Fkk ftls ugha dkVk tkuk LokHkkfod vkSj bl jkf'k dks okf.kfT;d C;kt dh nj ls okil djus ds fy, mRrjoknh@vukosnd cSad ftEesnkj gSA vihykFkhZ@ifjoknh }kjk iz;kl djus ds ckn Hkh cSad ds va'knku vkSj C;kt dk Hkqxrku ugha fd;s tkus ls fnukad 11-02-2011 dks ,d fof/kd lwpuk Hksth xbZ ftldk tokc [email protected] cSad }kjk fnukad 26-03-2011 dks Hkstk x;kA [email protected] cSad }kjk mDr jkf'k dk Hkqxrku ugha djus ls drZO;ksa ls foeq[krk rFkk [email protected] cSad dh ykijokgh ls mls ekufld {kfr igqaph gSA bl rjg vihykFkhZ@ifjoknh us vius ifjokn i= dh dafMdk&16 eas of.kZr vuqlkj vuqrks"k fnyk;s tkus dk fuosnu fd;k gSA 3- vihykFkhZ@ifjoknh }kjk ftyk Qksje ds le{k vius i{k leFkZu esa LVsVesaV fnukad 06-01-2004] uksfVl fnukad 11-02-2011] yhxy uksfVl dk tokc fnukad 26-03-2011 nLrkost izLrqr fd;k x;k gSA 4- [email protected] dh vksj ls ftyk Qksje ds le{k izkjafHkd vkifRr ,oa tokcnkok izLrqr dj ;g vfHkopu fd;k x;k gS fd izdj.k miHkksDrk laj{k.k vf/kfu;e 1986 ds izko/kkuksa ds rgr izpyu // 4 // ;ksX; ugha gSA miHkksDrk laj{k.k vf/kfu;e 1986 dh /kkjk&2¼1½ ?k ds vuqlkj vihykFkhZ@ifjoknh miHkksDrk dh Js.kh esa ugha vkrk gS D;ksafd ifjoknh ,oa vukosnd ds e/; fu;ksDrk ,oa deZpkjh dk laca/k jgk gSA izLrqr izdj.k le;kof/k o {ks=kf/kdkj ls ckf/kr gSA vihykFkhZ@ifjoknh mRrjoknh@vukosnd cSad esa deZpkjh@vf/kdkjh Fkk rFkk izdj.k esa of.kZr ;kstuk nsuk cSad ,EIykbZt izksfoMsUV QaM :Yl gsrq vius osru ls jkf'k tek djrk ,oa cSad }kjk Hkh cSad esa dk;Zjr deZpkjh@vf/kdkjh dks ykHk iznku djus mruh gh jkf'k fu;eksa ,oa 'krksZ ds v/khu iznku djrk vFkkZr~ vius fgLls dh jkf'k tek djrk vkSj cSad vius fgLls dh jkf'k tek djrk tks lsokeqfDr ds i'pkr~ ;kstuk ds fu;eksa ds rgr nh tkrh gSA fdarq bl izdj.k esa vihykFkhZ@ifjoknh isa'ku ;kstuk ugha fy;k Fkk blfy, mDr gsrw og ik= Hkh ugha FkkA mDr ;kstuk gsrw cSad us dksbZ Hkh 'kqYd ;k O;; ugha fy;k FkkA bl izdkj cSad }kjk fcuk 'kqYd fy, vius deZpkjh dks fu;eksa ds v/khu ykHk iznku fd;s tkus ls lacaf/kr fookn Qksje ds le{k izpyu ;ksX; ugha gSA vihykFkhZ@ifjoknh us cSad esa yxs yksd/ku dk nq:i;ksx djus cSad dks vkfFkZd {kfr dkfjr djus Ny&diV vU; =qfViw.kZ dk;Z djus ds dkj.k vihykFkhZ@ifjoknh ds fo:) mRrjoknh@vukosnd cSad }kjk vuq'kklukRed ,oa naMkRed dk;Zokgh dh xbZ Fkh vkSj vihykFkhZ@ifjoknh dks crkSj n.M fMlfel dj fn;k x;k FkkA tks fd nsuk cSad vkfQllZ ,EiykbZtj¼fMlhIyhu ,oa vihy½ jsxqys'kUl 1976 ds jsxqys'ku dzekad 11 ds v/khu dh xbZ foHkkxh; dk;Zokgh gksus ds dkj.k ,oa mDr izdj.k dh fdlh Hkh ;kstuk dk ykHk izkIr djus dk vihykFkhZ@ifjoknh vf/kdkjh ugha gksus ds dkj.k izpyu ;ksX; ugha gSA vihykFkhZ@ifjoknh vius fgLls dh tek jkf'k e; C;kt ds izkIr dj fy;k gS ,oa fu;ekuqlkj vihykFkhZ@ifjoknh ds fo:) vuq'kklukRed ,oa n.MkRed dk;Zokgh dh xbZ rFkk crkSj n.M inP;qr dj fn;k x;k ftl dkj.k cSad }kjk fn;s tkus okys fgLls dks izkIr djus // 5 // dk vihykFkhZ@ifjoknh vf/kdkjh ugha gSA vihykFkhZ@ifjoknh ds fo:) fd;s x;s vuq'kklukRed dk;Zokgh ,oa foHkkxh; tkap esa le; yxus ds ckotwn vihykFkhZ@ifjoknh dks mlds fgLls dh jkf'k e; C;kt ds vnk dh xbZ gSA cSad us dqN izdj.kksa esa deZpkfj;ksa }kjk fy, x;s _.k isukYVh O;; 'kqYd vkfn dk lek;kstu dj dksbZ =qfV ugha fd;k gSA vihykFkhZ@ifjoknh }kjk fd;s x;s voS/kkfud d`R; gsrq n.MkRed dk;Zokgh dj inP;qr fd;k x;k mDr dh lwpuk i= ds ek/;e ls fn;k x;kA nsuk cSad ds deZpkjhx.k nsuk cSad ,EiykbZt izksfoMsUV QaM :Yl ds varxZr gh dk;Zokgh dj ldrs gSa fdlh vU; fu;eksa ds varxZr ughaA mRrjoknh@vukosnd cSad us ;g vLohdkj fd;k gS fd fnukad 26-03- 2011 o fnukad 11-02-2011 ls okn dkj.k mRiUu gqvk gS rFkk ;g Hkh vLohdkj fd;k gS fd ifjokn le;kof/k esa izLrqr fd;k x;k gS rFkk vfrfjDr dFku esa ;g vfHkopu fd;k gS fd vihykFkhZ@ifjoknh }kjk fd;s x;s vuSfrd o voS/kkfud d`R; gsrq vuq'kklukRed ,oa n.MkRed dk;Zokgh dj fMlfel dj fn;k x;k o mDr dh lwpuk eseksjsaMe i= fnukad 11-09-2001 ds ek/;e ls nh xbZA bl izdkj okn le;kof/k ls ckf/kr gSA fopkj.kh; gS fd vihykFkhZ@ifjoknh us C;kt dh ekax fnukad 11-09-2001 ls dh gS bl izdkj okn le;kof/k ls ckf/kr gSA mijksDr dkj.kksa ls ifjokn lO;; fujLr fd;s tkus dk fuosnu fd;k gSA 5- [email protected] }kjk vius i{k leFkZu esa ftyk Qksje ds le{k pktZ 'khV fnukad 29-07-2000 dh QksVksdkih ¼ANX. D-1½] eseksjs.Me fnukad 11-09-2001 dh QksVksdkih ¼ANX. D-2½] Dyse QkeZ dh QksVksdkih¼ANX. D-3½] Hkfo"; fuf/k nLrkost dh QksVksdkih ¼ANX. D-4½] QkeZ ua- 3 dh QksVksdkih ¼ANX. D-5½] psd fyLV fnukad 08-12-2003 dh QksVksdkih ¼ANX. D-6½] ih-,Q- ,dkmaV LVsVesaV fnukad 06-01-2004 dh // 6 // QksVksdkih ¼ANX. D-7½] tokc fnukad 26-03-2011 dh QksVksdkih ¼ANX. D-8½] nLrkost izLrqr fd;k x;k gSA 6- ftyk Qksje us mHk;i{kksa dh vksj ls izLrqr nLrkosth lk{;ksa ,oa 'kiFk i=ksa ds ifj'khyu ds i'pkr~ vihykFkhZ@ifjoknh ds ifjokn dks ;g fu"d"kZ fudkyrs gq, fd ifjoknh dk okn le; ckf/kr gksus ls fujLr fd;s tkus ;ksX; gS] fujLr fd;k x;k gS ftlds fo:) ;g vihy gSA 7- vihykFkhZ@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh jkts'k ik.Ms; us vihy Kkiu esa vihy ds vk/kkj esa fy[kk gS fd ftyk Qksje us izdj.k esa izLrqr vihykFkhZ@ifjoknh ds nLrkostksa ,oa U;k;ky;hu dFku ds iw.kZr% foijhr fu"d"kZ fudkyrs gq, vk{ksfir vkns'k ikfjr fd;k gS tks fd fof/k fo:) gksus ls fLFkj j[ks tkus ;ksX; ugha gSA vihykFkhZ@ifjoknh }kjk nkok laca/kh nLrkost [email protected] ds funsZ'kkuqlkj izLrqr dj fn;s tkus ds ckotwn lsok esa fuEurk ,oa ?kksj O;olkf;d nwjkpj.k iw.kZ [email protected] ds d`R; ds laca/k esa dksbZ fopkj u djrs gq, ftyk Qksje us vk{ksfir vkns'k ikfjr fd;k gS tks fd fof/kd {ks=kf/kdkj ds mYya?ku ;qDr gksus ds dkj.k vikLr fd;s tkus ;ksX; gSA ftyk Qksje }kjk fudkyk x;k ifjokn ds le; ckf/kr gksus ckcr~ fu"d"kZ iw.kZr% rF;ksa nLrkostksa ds foijhr gS bl izdkj ds nwf"kr fu"d"kZ ds vk/kkj ij ikfjr vkns'k Hkh nwf"kr gksus ds dkj.k iw.kZr% vikLr fd;s tkus ;ksX; gSA U;k;fgr esa ftyk Qksje }kjk ikfjr fof/k fo:) vkns'k fnukad 09-10- 2015 iw.kZr% vikLr ugha fd;k tkrk gS rks vihykFkhZ@ifjoknh dks viw.kZuh; {kfr gksxhA vf/koDrk us fyf[kr rdZ izLrqr dj ;g Hkh rdZ fd;k gS fd bZ-ih-,Q- 1952 ds izko/kku fu;e ,oa ;kstuk Lor% ,d lEiw.kZ lafgrk gSA ,oa dqN U;k; n`"Vkarks dk voyacu ysrs gq, rdZ fd;k // 7 // gS fd bZ-ih-,Q- ;kstuk ds varxZr Hkfo"; fuf/k va'knku dk fuiVkjk u djuk ,d fuckZ/k okn dkj.k gS lkFk gh lkFk fuckZ/k lsok esa deh gS tc rd iw.kZ Hkqxrku u dj fn;k tk;A izLrqr izdj.k esa [email protected] us bZ-ih-,Q- ;kstukraxZr fuiVkjk ugha fd;k gSA vf/koDrk us ;g Hkh rdZ fd;k fd xszT;wVh Hkqxrku vf/kfu;e 1972 ds /kkjk 7¼2½ ds varxZr ;fn fu;ksDrk uksfVl nsus esa vlQy gksrk gS rks mls deZpkjh dks xzsT;wVh nkok gsrq vkosnu djus ds fy, le;kof/k dk iz'u djus dk vf/kdkj ugha gSA ftyk Qksje us ifjokn dks le; ckf/kr crkdj fujLr djrs gq, =qfV fd;k gSA ftyk Qksje us vihykFkhZ@ifjoknh dks foyac vof/k ds fy, U;k;ksfpr vftZr C;kt ikus ls oafpr dj fof/k fo:) vkns'k ikfjr fd;k gSA bl rjg mijksDr vk/kkj ij ftyk Qksje ds vkns'k dks fujLr fd;s tkus ,oa vihy Lohdkj fd;s tkus dk fuosnu fd;k gSA vihykFkhZ@ifjoknh ds fuEu U;k;n`"Vkarks dk voyacu fy;k gS%& " D- M.D. Maharashtra State Co-op. Tribal Development Corp. Ltd. Vs. Purushottam 2015 LLR 610 Bom. H.C. E- Bank of Baroda versus Sankari Devi 2012 (3) CPR 123 (NC). F- M/s Budge Budge Company Ltd. Vs Union of India and others 2015 LLR 1045.
G- Bank of Baroda vs Asim Kumar Basu 2015 (145) FLR 475 Calcutta H.C. H- Durga Engineering Company Vs R.P.F. Commissioner 2015 LLR 390 Gujrat H.C. I- Punjab National Bank Vs Shri Sunil Kumar Poddar and Anr. 2008(3) CPR 211 (NC).
J- Regional P.F. Commissioner Vs Shiv Kumar Joshi (2000) I Supreme Court Cases 98.
K- Union of India Vs Sita Ram Delhi H.C. AISLJ-III-2014(1).
// 8 // L- State of Jharkhand Vs Jitendra Kumar Civil Appeal No. 6770/2013 Supreme Court of India.
M- Dena Bank Vs Ravindra Malik R.P. No.-2689/2015 decided on 01/12/2015 by National Commission.
N- Sudhir Chandra Sarkar Vs Tata Iron and Steel Co. Ltd. (1984) 3 Supreme Court Cases 369.
O- Dr. V.N. Shrikhande Vs. Mrs. Anita Sena C.A. No.-8983/2010 Supreme Court of India."
8- [email protected] dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh HkwisUnz tSu us rdZ fd;k gS fd vihykFkhZ@ifjoknh }kjk vius fgLls dh jkf'k e; C;kt ds izkIr dj yh xbZ gS ,oa fu;ekuqlkj vihykFkhZ@ifjoknh ds fo:) yksd/ku ds nq:i;ksx] vkfFkZd] {kfr /kks[kk] NydiV ds dkj.k vuq'kklukRed ,oa n.MkRed dk;Zokgh dh xbZ ,oa vihykFkhZ@ifjoknh dks crkSj n.M fMlfel dj fn;k x;kA ftl dkj.k cSad }kjk fn;s tkus okys fgLls izkIr djus dk vihykFkhZ@ifjoknh vf/kdkjh ugha gSA izdj.k le;kof/k o {ks=kf/kdkj ls ckf/kr gSA vf/koDrk us ftyk Qksje ds vkns'k dks mfpr :i ls ikfjr vkns'k crkrs gq, mDr vkns'k dks U;k;ksfpr vkns'k fu:fir fd;k gSA 9- geus mHk;i{k ds vf/koDrkvksa dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;kA 10- izLrqr izdj.k ds lexz ifj'khyu ds i'pkr~ ;g iz'u mn~Hkwr gksrk gS fd D;k ifjokn le; vof/k ls ckf/kr gS\ bldk mRrj ugha esa izkIr gksus ij [email protected] cSad us vihykFkhZ@ifjoknh ds foyac vof/k ds fy, C;kt u nsdj lsok esa deh fd;k gS ij fopkj fd;k tkuk vko';d gksxkA fujkdj.k fuEukuqlkj fd;k tk jgk gSA // 9 // 11- miHkksDrk laj{k.k vf/kfu;e dh /kkjk&24&d ifjlhek vof/k ds varxZr ifjokn izLrqr djus dh le; lhek okn dkj.k mRiUu gksus ds nks o"kZ ds Hkhrj fu/kkZfjr fd;k x;k gS ftls ;gkWa vfody m)r fd;k tk jgk gS%& ^^¼1½ ftyk Qksje] jkT; vk;ksx ;k jk"Vªh; vk;ksx fdlh ifjokn dks rc rd xzg.k ugha djsxk tc rd fd og okndkj.k mRiUu gksus ds fnukad ls nks o"kZ ds Hkhrj izLrqr u fd;k x;k gksA ¼2½ mi/kkjk¼1½ esa fdlh ckr ds gksrs gq, Hkh mi/kkjk ¼1½ ds of.kZr vof/k ds i'pkr~ izLrqr dksbZ ifjokn xzg.k fd;k tk ldsxk ;fn ifjoknh ftyk Qksje] jkT; vk;ksx ;k jk"Vªh; vk;ksx tSlh Hkh fLFkfr gks] dk ;g lek/kku dj nsrk gS fd ,slh vof/k esa ifjokn izLrqr u djus ds fy;s mlds ikl i;kZIr dkj.k Fkk% ijarq ,slk dksbZ ifjokn xzg.k ugha fd;k tk;sxk tc rd ftyk Qksje] jkT; vk;ksx ;k jk"Vªh; vk;ksx] tSlh Hkh fLFkfr gks] ,sls foyac dks {kek djus ds vius dkj.k vfHkfyf[kr ugha djrkA** 12- [email protected] us izkjafHkd vkifRr fd;k gS fd izLrqr izdj.k ls lacaf/kr fookn fu;ksDrk ,oa deZpkjh ls lacaf/kr gS uk fd miHkksDrk fookn gS fopkj.kh; gS fd mDr ;kstuk dk ykHk cSad vius deZpkfj;ksa dks iznku djrk gS u fd lsok iznku djrk gS rFkk mDr ;kstuk gsrq dksbZ lsok ;k 'kqYd ugha fn;k tkrk vr% lacaf/kr fookn izFke n`"V;k Qksje ds le{k izpyu ;ksX; ugha gSA bl laca/k esa vihykFkhZ@ifjoknh us U;k;n`"Vkar Regional P.F Commissioner Vs. Shiv Kumar Joshi (2000)1 SCC 98 dk voyacu fy;k gS ftlesa ekuuh;
mPpre U;k;ky; us le:i izdj.k dks miHkksDrk fookn fu/kkZfjr fd;k gSA mDr U;k;n`"Vkar esa miHkksDrk laj{k.k vf/kfu;e dk Hkfo";fuf/k ;kstuk ij ykxw gksus ds laca/k esa izfrikfnr fd;k x;k gS ,oa ;g fu"d"kZ fudkyk x;k Fkk%& // 10 // " A Perusal of the Scheme clearly and unambiguously indicates that it is a 'service' within the meaning of Section 291) (0) and the member a 'consumer' within the meaning of section a(1)(d) of the Act. It is, therefore, without any substance to urge that the services under the Scheme are rendered free of charge and, therefore, the Scheme is not a 'service' under the Act. Both the State as well as the National Commission have dealt with this aspect in detail and rightly come to the conclusion that the Act was applicable in the case of the Scheme on the ground that its member was a 'consumer' under Section 2(1)(d) and the Scheme was a 'service' under Section 2(1)(0)."
fuf'pr gh mijksDr U;k;n`"Vkar ds vkyksd esa izLrqr izdj.k miHkksDrk fookn gS blfy, izpyu ;ksX; gSA 13- vc gesa ;gka ;g fopkj.k djuk gS fd izLrqr izdj.k esa vihykFkhZ@ifjoknh dk okn dkj.k fdl frfFk dks mRiUu gqvk gSA vihykFkhZ@ifjoknh dks mlds fo:) foHkkxh; tkap ds i'pkr~ cSad dh lsok ls fnukad 17-09-2001 dks in~P;qr fd;k x;k FkkA vihykFkhZ@ifjoknh }kjk mRrjoknh@vukosnd cSad dks :- 3-5 djksM+ dh igqapk;h xbZ {kfr esa lafyIr gksus ls cSad }kjk fn;s tkus okys fgLls dks vihykFkhZ@ifjoknh izkIr djus dk vf/kdkjh ugha crk;k x;k gSA vihykFkhZ@ifjoknh us vius ifjokn i= ds dafMdk 14 esa okn dkj.k fnukad 26-03-2011 [email protected] ds i= dks ftls [email protected] us vihykFkhZ@ifjoknh ds uksfVl fnukafdr 11-02-2011 ds tokc esa izsf"kr fd;k Fkk dks mRiUu gksus dk dFku fd;k gSA tcfd vihykFkhZ@ifjoknh us vius ifjokn i= ds dafMdk 4 esa Lohdkj fd;k gS fd mlds cpr [kkrs esa Hkfo"; fuf/k dk ikVZyh iseasV fnukad 06-01-2004 dks fd;k x;k gS ,oa ;g Hkh Lohdkj fd;k gS fd mls bl laca/k esa LVsVesaV vkWQ ,dkmaV Hkh fn;k x;k gSA mDr fooj.kh // 11 // tks fd fnukafdr 06-01-2004 gS esa Li"V rkSj ij dafMdk 3 ,oa 4 tks fd Voluntary Contribution ,oa Interest on Voluntary Contribution dk gS fjDr NksM+k x;k gSA vFkkZr~ [email protected] ds }kjk ns; va'knku ,oa ml ij C;kt dks ugha fn;k x;k gS ftldh tkudkjh mDr LVsVesaV vkWQ ih-,Q- [kkrs esa fnukad 06-01-2004 dks ns nh xbZ Fkh ,oa mlh fnukad dks okn dkj.k mRiUu gksuk fl) gksrk gSA [kkrsa esa jkf'k tek gksus ds ckn mDr ih-,Q- dk fooj.kh fnukad 06-01-2004 feyus ds mijkar rFkk fof/kd uksfVl fnukad 11-02-2011 ds iwoZ mDr jkf'k izkIr djus ds fy, vihykFkhZ@ifjoknh ds iz;kl@d`R; dk izdj.k esa loZFkk vHkko gSA vFkkZr~ fnukad 06-01-2004 ds okn dkj.k mRiUu gksus ds nks o"kZ ls vf/kd foyac ds ckn fnukad 19-08-2011 dks okn lafLFkr fd;k x;k gSA fof/kd uksfVl ls u rks okn dkj.k mRiUu gksuk ikrs gSa u gh le;kof/k dk foLrkj gksuk ikrs gSaA bl izdkj vihykFkhZ@ifjoknh us miHkksDrk laj{k.k vf/kfu;e ds mijksDr of.kZr izko/kku ds vuqlkj nks o"kZ ds fu;r le; vof/k ds Hkhrj ifjokn izLrqr ugha fd;k vkSj u gh foyac dk dksbZ dkj.k nf'kZr fd;k gSA ;fn vihykFkhZ@ifjoknh dk ifjokn ,d ek= le;kof/k ls ckf/kr gS ,oa vihykFkhZ@ifjoknh foyac ekQh ds fy, vf/kfu;e ds varxZr fuosnu ugha djrk gS rks Qksje ds le{k ,slh fLFkfr esa dksbZ fodYi ugha jgsxk flok; blds fd og ifjokn fujLr dj nsaA 14- vihykFkhZ@ifjoknh us vihy Kkiu esa Hkh le;kof/k ckf/kr ds laca/k esa dksbZ Li"Vhdj.k lk{;ksa ds lkFk izLrqr ugha fd;k gS cfYd fyf[kr rdZ esa xszP;wVh Hkqxrku vf/kfu;e 1972 dk v/;kjksgh izHkko rFkk bZ-ih-,Q- vf/kfu;e 1952 dks lEiw.kZ lafgrk dk dFku djrs gq, bZ-ih-,Q- ;kstuk ds varxZr Hkqxrku iw.kZ gksus rd okn dkj.k lrr cus jgus dk rdZ fd;k gSA bl laca/k esa vf/koDrk us U;k;n`"Vkarksa dk voyacu fy;k gS ijarq izLrqr izdj.k esa bldk ykHk mUgas izkIr ugha gksrk gSA D;ksafd miHkksDrk laj{k.k vf/kfu;e 1986 ds /kkjk 3 esa Li"V mYysf[kr gS fd // 12 // The provisions of this Act shall be in addition to and not in derogation of the provisions of any other law for the time being in force. ;g miHkksDrk dks feyus okyk vfrfjDr mipkj gSA vU; orZeku fof/k ds varxZr feyus okys vfrfjDr mipkj ds vykok gSA gesa ;g Hkh ;kn j[kuk pkfg, fd miHkksDrk laj{k.k vf/kfu;e us Lor% ifjlhek vof/k fu/kkZfjr gSA pwafd izLrqr izdj.k dks okn dkj.k mRiUu gksus ds nks o"kZ ckn izLrqr fd;k x;k gS blfy, vf/koDrk ds mijksDr rdZ Lohdkj fd;s tkus ;ksX; ugha gSA 15- Kandimalla Raghavaiah And Co. Vs. National Insurance Co.
& Anr., (2009) 7 Supreme Court Cases 768, U;k;n`"Vkar eas ekuuh; mPpre U;k;y; us vfHkfu/kkZfjr fd;k gS%& "17. Section 24-A of the Act bars any fora set up under the Act, from admitting a complaint, unless the complaint is filed within two years from the date on which the cause of action has arisen. The provision expressly casts a duty on the Commission, admitting a complaint, to dismiss a complaint unless the complainant satisfies the District Forum, the State Commission or the National Commission, as the case may be, that the complainant had sufficient cause for not filing the complaint within the period of two years from the date on which the cause of action had arisen. Recently, in SBI v. B.S.Agriculture Industries (I) this Court, while dealing with the same provision, has held: (SCC p. 125, paras 11-12) "11. ...It would be seen from the aforesaid provision that it is peremptory in nature and requires the consumer forum to see before it admits the complaint that it has been filed within two years from the date of accrual of cause of action. The consumer forum, however, for the reasons to be recorded in writing may condone the delay in filing the complaint if sufficient cause is shown. The expression, 'shall not admit a complaint' occurring in Section 24-A is sort of a legislative command to the consumer forum to examine on its own whether the complaint has been filed within the limitation period prescribed thereunder.
12. As a matter of law, the consumer forum must deal with the complaint on merits only if the complaint has been filed // 13 // within two years from the date of accrual of cause of action and if beyond the said period, the sufficient cause has been shown and delay condoned for the reasons recorded in writing. In other words, it is the duty of the consumer forum to take notice of Section 24-A and give effect to it. If the complaint is barred by time and yet, the consumer forum decides the complaint on merits, the forum would be committing an illegality and, therefore, the aggrieved party would be entitled to have such order set aside.
18. The term "cause of action" is neither defined in the Act nor in the Code of Civil Procedure, 1908 but is of import. It has different meanings in different contexts, that is when used in the context of territorial jurisdiction or limitation or the accrual of right to sue. Generally, it is described as "bundle of facts", which if proved or admitted entitle the plaintiff to the relief prayed for. Pithily stated, "cause of action" means the cause of action for which the suit is brought, "Cause of action" is cause of action which gives occasion for and forms the foundation of the suit. (See Sidramappa v. Rajashetty.) In the context of limitation with reference to a fire insurance policy, undoubtedly, the date of accrual of cause of action has to be the date on which the fire breaks out."
16- Basavraj & Anr. V. The Spl. Land Acquisition Officer, 2013 AIR SCW 6510, U;k;n`"Vkar eas ekuuh; mPpre U;k;y; us vfHkfu/kkZfjr fd;k gS%&
12. It is a settled legal proposition that law of limitation may harshly affect a particular party but it has to be applied with all its rigour when the statute so prescribes. The Court has no power to extend the period of limitation on equitable grounds. "A result flowing from a statutory provision is never an evil. A Court has no power to ignore that provision to relieve what it considers a distress resulting from its operation." The statutory provision may cause hardship or inconvenience to a particular party but the Court has no choice but to enforce it giving full effect to the same. The legal maxim "dura lex sed lex" which means "the law is hard but it is the law", stands attracted in such a situation. It has consistently been held that, "inconvenience is not" a decisive factor to be considered while interpreting a statute.
// 14 //
15. The law on the issue can be summarised to the effect that where a case has been presented in the court beyond limitation, the applicant has to explain the court as to what was the "sufficient cause" which means an adequate and enough reason which prevented him to approach the court within limitation. In case a party is found to be negligent, or for want of bona fide on his part in the facts and circumstances of the case, or found to have not acted diligently or remained inactive, there cannot be a justified ground to condone the delay. No court could be justified in condoning such an inordinate delay by imposing any condition whatsoever. The application is to be decided only within the parameters laid down by this court in regard to the condonation of delay. In case there was no sufficient cause to prevent a litigant to approach the court on time condoning the delay without any justification, putting any condition whatsoever, amounts to passing an order in violation of the statutory provisions and it tantamounts to showing utter disregard to the legislature."
17- mi;ZqDr foospuk ds ifjizs{; esa ge bl fu"d"kZ ij igqaprs gSa fd ifjokn le; ckf/kr gS vr% ftyk Qksje us tks vkns'k ikfjr fd;k gS og iw.kZr% fof/k lEer gSA mlesa fdlh izdkj dh voS/kkfudrk ,oa vfu;ferrk ugha gSA vkSj mlesa gLr{ksi dh vko';drk ugha gSA 18- mijksDrkuqlkj vihykFkhZ@ifjoknh dh vksj ls izLrqr vihy lkjghu gksus ls fujLr fd;s tkus ;ksX; gS vr% vihy fujLr dh tkrh gSA ftyk Qksje }kjk ikfjr vkns'k fnukad 09-10-2015 dh iqf"V dh tkrh gS izdj.k dh ifjfLFkfr dks ns[krs gq, bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj-,l-'kekZ ¼fguk BDdj½ ¼Mh-ds-iksn~nkj½ ¼ujsUnz xqIrk½ v/;{k lnL;k lnL; lnL;
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