State Consumer Disputes Redressal Commission
B.M, Sbi Life Insurance Co.Ltd. vs Ajit Singh & Ors on 4 July, 2018
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miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2018/73 lafLFkr fnukad: 24.03.2018 'kk[kk izca/kd] ,l- ch- vkbZ- ykbZQ ba';ksjsal daiuh fyfeVsM] 'kk[kk dk;kZy; izFke ry] vthr VkWolZ] jkelkxjikjk] Rkglhy ,oa ftyk&jk;x<+ ¼N-x-½ -------- vihykFkhZ@vukosnd dz-2 fo:} 1- vthr flag vk- Jh jkek'kh"k flag] fuoklh&>ksiM+hikjk] dchj pkSd] rglhy ,oa ftyk&jk;x<+ ¼N-x-½ --------- mRrjoknh dz-1@ifjoknh-
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3- izHkkjh vf/kdkjh] fjyk;al , vkj lh ,l- ch- vkbZ- ¼ch- ,l- vks-½ fjyk;al lsaVj] NBoha eafty] ukFkZ foax] izHkkr dkWyksuh] lkUrkdzqt ¼bZLV½] eqacbZ 400055 ----mRrjoknh dz-3@vukosnd dz-3- le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k-
ekuuh; Jh Mh-ds-iksn~nkj] lnL; -
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ekuuh;k Jhefr :fp xks;y] lnL; -
i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh ujsUnz dqekj feJk] vf/koDRkkA mRrjoknh dzekad&1 dh vksj ls Jh ch- ds- ik.Ms;] vf/koDrkA mRrjoknh dzekad&2 dh vksj ls Jh jkts'k frokjh] vf/koDrkA mRrjoknh dzekad&3 vuqifLFkrA vkns'k fnukad% 04@07@2018 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@vukosnd dz-2 us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] // 2 // jk;x<+ ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&26@2017 esa ikfjr vkns'k fnukad&02- 01-2018 ftlds }kjk ifjoknh ds ifjokn dks Lohdkj djrs gq, ;g vkns'k fd;k x;k gS fd%& **v- vukosnd dz-2 ,oa 3 vkosnd ls f'k{kk _.k jkf'k ikus dk vf/kdkjh ugha gSA c- vukosnd dz-2 ,oa 3 vkosnd dks 'kkjhfjd ,oa ekufld {kfriwfrZ 20]000@&¼chl gtkj :Ik;s½ rFkk okn O;; 2]000@&¼nks gtkj :Ik;s½ ,d ekg ds Hkhrj Hkqxrku djsaxsA l- vukosnd dz-2 ,oa 3 vkosnd dks fMxzh jkf'k ij ifjokn izLrqfr fnukad&15-02-2017 ls vnk;xh fnukad rd 09 izfr'kr okf"kZd nj ls C;kt Hkqxrku djsaxsA** fujLr fd;k x;k gS ls nqf[kr gksdj izLrqr fd;k gSA 02- mRrjoknh dz-1@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd ifjoknh ds iq= vfHk"ksd flag }kjk vukosnd dz-1 dh 'kk[kk ls ch&Vsd dh i<+kbZ gsrq 1]79]000@&¼,d yk[k mU;klh gtkj :Ik;s½ dk f'k{kk _.k IkzkIr fd;k Fkk tks fd leLr tkap mijkar vukosnd dz-1 }kjk fnukad&24-12-2010 dks Lohd`r fd;k x;k vkSj ;g r; fd;k x;k Fkk fd izfr lsesLVj dh jkf'k vukosnd dz-1 lacaf/kr _.k jkf'k esa ls lsesLVj Qhl esa tkjh fd;k tkosxkA ifjoknh ds iq= vfHk"ksd flag dk nkf[kyk ,e- ,e- dkWyst esa eSdsfudy czkap eas fd;k x;k FkkA vukosnd dz-1 dh 'kk[kk esa ifjoknh ds iq= dk f'k{kk _.k ds rgr [kkrk Hkh vukosnd dz-1 }kjk [kksyok;k x;k Fkk ftldk [kkrk dz-& // 3 // 31555208906 gSA ifjoknh ds iq= dk mDr bathfu;fjax dkWyst esa nkf[kyk gksus ds ckn izFke lsesLVj dh jkf'k&44]600@&¼paokyhl gtkj N% lkS :Ik;s½] f}rh; lsesLVj gsrq fnukad&01-08-2011 dks 44]600@&¼paokyhl gtkj N% lkS :Ik;s½ rFkk r`rh; lsesLVj dh jkf'k&44]800@&¼paokyhl gtkj vkB lkS :Ik;s½ ifjoknh ds iq= ds _.k [kkrs ls vukosnd dz-1 }kjk tkjh fd;k x;k FkkA vukosnd dz-1 }kjk ifjoknh ds iq= dks fnukad&31-01-2012 dks ,d i= izsf"kr dj ;g dgk x;k mDr f'k{kk _.k dk chek djkuk vko';d gS rFkk mDr chek iwjs _.k vof/k dk gksxkA pwafd ifjoknh dk iq= prqFkZ lsesLVj dh rS;kjh dj jgk Fkk vkSj bl nkSjku twu 2012 esa cq[kkj Hkh vk;k Fkk bl dkj.k ifjoknh vius iq= ds lkFk f'k{kk _.k dk chek ugha djk ik;k Fkk ftldh lwpuk vukosnd dz-1 dks fn;s tkus ij vukosnd dz-1 }kjk ifjoknh dks ;g lykg fn;k x;k fd prqFkZ lsesLVj ds iwoZ _.k jkf'k dk chek djok ysos vkSj mudh 'kk[kk esa vukosnd dz-2 ,l- ch- vkbZ- ykbZQ ba';ksjsal ds deZpkjh ges'kk miyC/k jgrs gSa] bl dkj.k dksbZ ijs'kkuh ugha gksxhA blh e/; ifjoknh dk iq= jk;x<+ vius ?kj vk;k Fkk vkSj mls bl laca/k esa fpfdRld MkW- vkj- ,y- vxzoky dks tkdj fn[kk;k Hkh Fkk ftl ij mDr fpfdRld ds }kjk vkSipkfjd nokbZ;ka nh xbZ Fkh ftldh ifpZ;ksa dks Hkh vukosnd dz-1 o 2 dks fn[kk;k x;k FkkA ifjoknh vius iq= vfHk"ksd flag ds lkFk vukosnd dz-1 dh 'kk[kk esa vxLr 2012 esa f'k{kk _.k dk chek djkus gsrq x;k rc mls crk;k x;k fd f'k{kk _.k 1]79]000@&¼,d yk[k mU;klh gtkj :Ik;s½ dh iw.kZ jkf'k dk chek fd;s // 4 // tkus gsrq 1]793@&¼,d gtkj lkr lkS frjkucs :Ik;s½ dk izhfe;e ns; gksxk vkSj pwafd ifjoknh ds iq= dk vukosnd dz-1 cSad esa cpr [kkrk dz- &31675497559 gS blfy, izhfe;e dk Hkqxrku mDr [kkrs ls gks tkosxkA bl ij ifjoknh ,oa mlds iq= }kjk lgefr fn;s tkus ij ifjoknh ds iq= ds cpr [kkrs ls fnukad&17-08-2012 dks izhfe;e jkf'k dk vkgj.k dj fn;k x;k vkSj crk;k x;k fd fnukad&17-08-2012 ls gh _.k lqj{kk chek doj ekuk tkosxk vkSj mDr frfFk dks ifjoknh dk iq= iw.kZ :is.k LoLFk Fkk vkSj fnukad&17-08-2012 dks izhfe;e jkf'k fy;s tkus ds ckn mldk LokLF; vpkud [kjkc gks x;k vkSj mls cgqr rst cq[kkj vk;k ftlls mldh fnukad&27-09-2012 dks e`R;q gks xbZ ftldh lwpuk vukosnd dz-1 dks nh xbZ Fkh vkSj vukosnd dz-1 }kjk ;g vk'oklu fn;k x;k Fkk fd pwafd _.k jkf'k dk chek fd;k tk pqdk Fkk blfy, og jkf'k vukosnd dz-2 }kjk Hkqxrku dj fn;k tkosxk ftlls ifjoknh fuf'par gks x;kA vpkud 04 o"kksZa ds ckn vukosnd dz-3 }kjk ifjoknh dks ,d i= izsf"kr dj f'k{kk _.k dk Hkqxrku djus gsrq dgk x;k ftls ikdj ifjoknh vpafHkr gks x;kA mDr i= dks ifjoknh }kjk vukosnd dz- 1 dks fn[kk;s tkus ij vukosnd dz-1 }kjk dgk x;k fd mDr i= Hkwyo'k vk x;k gksxk] bl laca/k esa tkap djsaxsA vukosnd dz-1 }kjk ifjoknh dks fnukad&28-06-2016 dks ,d i= izsf"kr fd;k tkdj ;g tkudkjh fn;k x;k fd okLro esa leLr yksu izdj.k muds }kjk vukosnd dz-3 dks fodz; dj fn;k x;k gS bl dkj.k vukosnd dz-1 ds 'kk[kk esa yksu izdj.k can dj fn;k x;k gS rc ifjoknh iqu% vukosnd // 5 // dz-1 dh 'kk[kk eaas tkdj laidZ fd;k rks vukosnd dz-1 }kjk ;g dgk x;k fd mudh 'kk[kk ds }kjk Hkwyo'k vukosnd dz-2 chek daiuh dks lwfpr ugha fd;k tk ldk gS bl dkj.k rRdky tkdj chek daiuh dks lwfpr djs ;k bZ&esy ds ek/;e ls Dyse izLrqr djsA bl izdkj Li"V gS fd vukosnd dz-1 }kjk bl laca/k esa ykjokgh dh xbZ FkhA ifjoknh }kjk etcwj gksdj vukosnd dz-2 daiuh esa bZ&esy ds ekQZr~ Dyse izLrqr fd;k x;k ftl ij vukosnd dz-2 }kjk i= fnukad&22-07-2016 ds ek/;e ls ;g lwfpr fd;k x;k fd bl laca/k esa dk;Zokgh dh tk jgh gS ijUrq nks ekg O;rhr gksus ds ckn Hkh dksbZ dk;Zokgh ugha gkssus ij ifjoknh ds }kjk iqu% fnukad&07-09-2016 dks vukosnd dz-2 dks bZ&esy izsf"kr dj Dyse ds laca/k esa tkudkjh ekaxh xbZ ftl ij vukosnd dz-2 }kjk ifjoknh dks i= izsf"kr fd;k tkdj tkudkjh fn;k x;k fd ifjoknh ds Lo- iq= dk _.k j{kk chek Dyse dh dk;Zokgh Dyse fjO;w desVh ds ikl Hkstk x;k gS rFkk vukosnd dz-2 daiuh ls iqu% ifjoknh dks i= izkIr gqvk fd ifjoknh dk iq= iwoZ ls usQzksVhd lk;UMªkse chekjh ls ihfM+r Fkk ftls fNikdj ikWfylh yh xbZ Fkh bl dkj.k Dyse fujLr fd;k tkdj izhfe;e dh jkf'k vukosnd dz-1 ds 'kk[kk esa okil dh tk jgh gSA ifjoknh }kjk etcwj gksdj chek yksdiky] Hkksiky ds le{k bl laca/k esa f'kdk;r izLrqr fd;k x;k ftls chek yksdiky }kjk vius vkns'k fnukad&28-11-2016 ds }kjk bl vk/kkj ij fujLr dj fn;k x;k fd ifjoknh ds iq= dk chek fnukad&28-09-2012 dks fd;k x;k Fkk vkSj ifjoknh ds iq= Lo- vfHk"ksd flag dh e`R;q fnuykad&27-09-2012 dks gks pqdh Fkh bl dkj.k bl laca/k // 6 // esa _.k f'k{kk dk chek dk ykHk ugha fey ldrk gSA ifjoknh ds }kjk vius vf/koDrk ds ek/;e ls vukosndx.k dks uksfVl izsf"kr dj chek jkf'k dks _.k jkf'k esa lek;ksftr djus rFkk ekufld] 'kkjhfjd o vkfFkZd {kfr ds :Ik esa jkf'k dh ekax dh xbZ fdUrq vukosndx.k }kjk mDr uksfVl dk dksbZ tokc ugha fn;k x;k vkSj uk gh dksbZ dk;Zokgh dh xbZ ftlds dkj.k ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03- mRrjoknh dz-2@vukosnd dz-1 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd ifjoknh ds iq= vfHk"ksd flag dks vukosnd dz-1 }kjk ch&Vsd dh i<+kbZ gsrq 1]79]000@&¼,d yk[k mU;klh gtkj :Ik;s½ dk f'k{kk yksdu fnukad&24- 12-2010 dks Lohd`r fd;k x;k Fkk rFkk izFke ,oa f}rh; lsesLVj gsrq 44]600@&¼paokyhl gtkj N% lkS :Ik;s½ nks ckj ,oa r`rh; fd'r gsrq 44]800@&¼paokyhl gtkj vkB lkS :Ik;s½ dh fd'r vukosnd dz-1 }kjk tkjh fd;k x;k FkkA f'k{kk _.k dks lqjf{kr djus ds fy, ifjoknh }kjk tkudkjh iwNs tkus ij _.k lqj{kk chek ;kstuk ds lHkh vko';d igyqvksa dks le>k;k x;k Fkk ftls iw.kZ :Ik ls le>dj ,oa fopkj dj ifjoknh mDr ;kstuk esa Hkkx fy;k FkkA mDr chek djus ;k uk djus esa vukosnd dz-1 dh dksbZ lafyIrrk ugha gSA vukosnd dz-1 }kjk _.k jkf'k&1]79]000@&¼,d yk[k mU;klh gtkj :Ik;s½ iznk; djus ds vfrfjDr dksbZ vU; dk;Z ugha fd;k x;k gS vkSj uk gh chek fd;k x;k // 7 // gS vkSj tks Hkh chek fd;k x;k gS og vukosnd dz-2 ,oa ifjoknh ds e/; fu/kkZfjr gSA ifjoknh us vukosnd dz-1 ls f'k{kk _.k vius iq= vfHk"ksd dqekj flag ds fy, izkIr fd;k gS ftlesa ifjoknh ,oa mldk iq= nksuksa _.kh gSaA vukosnd dz-2 }kjk mDr f'k{kk _.k dk chek fd;k x;k gS ftldk Hkqxrku vukosnd dz-1 }kjk vukosnd dz-2 ds [kkrs esa fMek.M Mªk¶V dz-&258730709 fnukad&17-08-2012 jkf'k&1]793@&¼,d gtkj lkr lkS frjkucs :Ik;s½ ds ek/;e ls fd;k tkdj mls jftLVMZ Mkd fnukad&04-09-2012 dks dz- vkj- lh- 046596023 vkbZ- ,u- dks ,l- ch- vkbz- ykbZQ ba';ksjsal daiuh fyfeVsM fcykliqj dks izsf"kr fd;k x;k gSA chek dks Lohdkj ;k vLohdkj djus dk vf/kdkj vukosnd dz-2 dk gS vkSj blesa vukosnd dz-1 dk dksbZ gLr{ksi ugha gSA ifjoknh }kjk tks chek ikWfylh yh xbZ gS ml laca/k esa ftEesnkjh flQZ vukosnd dz-2 dh gh gS] vukosnd dz-1 dh ugha gSA vukosnd dz-1 ,oa 2 nksuksa fHkUu&fHkUu laxBu gSa rFkk mDr nksuksa i{k dk O;olk; Hkh vyx&vyx gSA vukosnd dz-1 }kjk vius xzkgdksa dks cSafdax lqfo/kk iznku dh tkrh gSA ;fn vukosnd dz-2 }kjk fdlh Hkh izdkj ls lsok esa deh dh xbZ gS rks mlds fy, vukosnd dz-1 cSad ftEesnkj ugha gSA vukosnd dz-1 }kjk lsok esa dksbZ deh ugha dh xbZ gSA ifjoknh] vukosnd dz-1 ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn] vukosnd dz-1 ds fo:} lO;; fujLr fd;k tkosA // 8 // 04- vihykFkhZ@vukosnd dz-2 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd ifjoknh ds iq= vfHk"ksd flag dks vukosnd dz-1 }kjk ch&Vsd dh i<+kbZ gsrq 1]79]000@&¼,d yk[k mU;klh gtkj :Ik;s½ f'k{kk _.k tkjh fd;k x;k FkkA ifjoknh dk iq= _.k izkIr djus ds iwoZ ls xaHkhj chekjh ls xzflr Fkk vkSj chekjh ds rF; dks fNikrs gq, ikWfylh izkIr fd;k x;k gSA ifjoknh us >wBs vk/kkjksa ij _.k jkf'k dh vnk;xh ls cpus ds fy, orZeku ifjokn izLrqr fd;k gS rFkk fu;ekuqlkj chek izhfe;e dk Hkqxrku ugha fd;k gSA chek yksdiky }kjk ifjoknh dk nkokk fujLr djus ds dkj.k ifjoknh dks ifjokn izLrqr djus dk vf/kdkj ugha gSA ifjoknh dk ifjokn vof/k ckf/kr gS rFkk ifjoknh **miHkksDrk** dh Js.kh esa ugha vkrk gSA ifjoknh ds iq= dks o"kZ 2012 esa ikWfylh tkjh fd;k x;k FkkA ifjoknh dk ifjokn jsl T;wfMdsVk ds vk/kkj ij fujLr fd;s tkus ;ksX; gSA ifjoknh ds iq= vfHk"ksd flag }kjk ikWfylh izkIr djus ds iwoZ MkWDVj vkj- ,y- vxzoky ds vLirky esa mipkj djkus laca/kh rF; dks fNik;k gSA vukosnd dz-2 }kjk lsok esa dksbZ deh ugha dh xbZ gSA ifjoknh] vukosnd dz-2 ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn vukosnd dz-2 ds fo:} lO;; fujLr fd;k tkosA 05- mRrjoknh dz-3@vukosnd dz-3 ftyk Qksje ds le{k ,di{kh; jgk gS vkSj mldh vksj ls dksbZ fyf[kr dFku ,oa lk{; izLrqr ugha gSA // 9 // 06- mRrjoknh dz-1@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k LVsVesaV vkWQ ,dkÅ.V fnukad&24-12-2010 ls 20-06-2016 dh Nk;kizfr ¼,usD'pj&1½] vukosnd dz-1 }kjk ifjoknh dks izsf"kr i= fnukad&31-01-2012 dh Nk;kizfr ¼,usD'pj&2½] ifjoknh ds iq= dh fpfdRlk iphZ fnukad&10-04-2012 dh Nk;kizfr ¼,usD'pj&3 ,oa 4½] ikl cqd dh Nk;kizfr ¼,usD'pj&5½] e`R;q izek.k&i= dh Nk;kizfr ¼,usD'pj&6½] vukosnd dz-3 }kjk ifjoknh dks izsf"kr fMek.M uksfVl fnukad&25 vizSy 2015 dh Nk;kizfr ¼,usD'pj&7½] vukosnd dz-2 }kjk ifjoknh dks izsf"kr i= fnukad&19 tqykbZ 2016 dh Nk;kizfr ¼,usD'pj&8½] vukosnd dz-1 }kjk ifjoknh dks izsf"kr i= fnukad&28-06- 2016 dh Nk;kizfr ¼,usD'pj&9½] vukosnd dz-2 }kjk ifjoknh dks izsf"kr i= fnukad&22 tqykbZ 2016 ,oa 12 flracj 2016 dh Nk;kizfr ¼,usD'pj&10 ls 13½] chek yksdiky dk i= fnukad&28 uoacj 2016 dh Nk;kizfr ¼,usD'pj&14½] vf/koDrk uksfVl fnukad&19-01-2017 dh Nk;kizfr ¼,usD'pj&15½ rFkk iksLVy jlhn rFkk izkfIr Lohd`fr jlhn dk vly ¼,usD'pj&16½ izLrqr fd;k gSA 07- mRrjoknh dz-2@vukosnd dz-1 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k fMek.M Mªk¶V dh izekf.kr izfr rFkk iksLVy jlhn o jftLVj dh izekf.kr izfr izLrqr fd;k gSA 08- vihykFkhZ@vukosnd dz-2 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k ekLVj ikWfylh dh izekf.kr izfr ¼,usD'pj&,½] esEcjf'ki // 10 // QkeZ dh izekf.kr izfr ¼,usD'pj&ch½] lfVZfQdsV vkWQ ba';ksjsal dh izekf.kr izfr ¼,usD'pj&lh½] jsiqfM,'ku ysVj fnukad&25-08-2014 dh izekf.kr izfr ¼,usD'pj&Mh½] jsiqfM,'ku ysVj fnukad&12-09-2016 dh izekf.kr izfr ¼,usD'pj&bZ½] MkW- vkj- ,y- gkWfLiVy ,.M Vªkek lsaVj dk dsl isij fnukad&20-07-2012 dh izekf.kr izfr ¼,usD'pj&,Q½] lat; xka/kh iksLV xzstq,V bafLVV~;wV vkWQ esfMdy lkbZal dk dsl isij fnukad&10-10-2012 dh izekf.kr izfr ¼,usD'pj&th½] vf/koDrk uksfVl fnukad&19-01-2017 dh izekf.kr izfr ¼,usD'pj&,p½] vf/koDrk uksfVl dk tokc fnukad&07-02-2017 dh izekf.kr izfr ¼,usD'pj&vkbZ½] iksLVy fjiksVZ dh izekf.kr izfr ¼,usD'pj&ts½] chek yksdiky dk i= fnukad&26 vDVwcj 2016 dh izekf.kr izfr ¼,usD'pj&ds½] chek yksdiky dk i= fnukad&28 uoacj 2016 dh izekf.kr izfr ¼,usD'pj&,y½ izLrqr fd;k gSA 09- ftyk Qksje us mHk;&i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ ifjoknh ds ifjokn dks Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:} ;g vihy gSA 10- vihykFkhZ@vukosnd dz-2 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ujsUnz dqekj feJk dk rdZ gS fd ftyk Qksje dk vkns'k =qfViw.kZ gSA vukosnd dz-2 }kjk e`rd vfHk"ksd flag ds laca/k esa _.k dh lqj{kk gsrq dksbZ chek izhfe;e dh jkf'k izkIr ugha fd;k Fkk vkSj blfy, e`rd vkSj vukosnd dz-2 ds chp fdlh izdkj dk dksbZ lafonk ugha Fkk // 11 // vkSj tks ikWfylh tkjh fd;k x;k Fkk og ekLVj ikWfylh tkjh fd;k x;k Fkk vkSj e`rd ds laca/k esa dksbZ izhfe;e dh jkf'k izkIr ugha gqvk FkkA bl izdj.k esa tc ifjoknh ds nkos dks fujLr fd;k x;k Fkk rks mlus chek yksdiky ds le{k vihy lafLFkr fd;k Fkk tks fujLr dj fn;k x;k gS vkSj mlh okndkj.k ds vk/kkj ij ;g ifjokn pyus ;ksX; ugha gS vkSj izkaM U;k; dk fl}kar ykxw gksrk gS blfy, ifjokn fujLrh ;ksX; gSA chek ikWfylh fnukad&28-09-2012 dks izHkkoh gqvk Fkk tcfd e`rd dh e`R;q fnukad&27-09-2012 dks gks x;k FkkA bl izdkj chek ikWfylh tkjh gksus ds iwoZ gh e`rd dh e`R;q gks pqdk FkkA vukosnd dz-2 }kjk jsiqfM,'ku dk tks vk/kkj fy;k x;k gS fd ikWfylh tkjh gksus ds iwoZ gh e`rd dh e`R;q gks pqdk Fkk rFkk e`rd usQzksfVd flUMªkse uked chekjh ls xzflr Fkk vkSj mldk bZykt vkj- ,y- gkWfLiVy eas pyk Fkk vkSj bl rF; dks e`rd }kjk fNik;k x;k Fkk vkSj bu lc ifjfLFkfr;ksa dks ns[krs gq, vukosnd dz-2 chek daiuh] ifjoknh dks chfer jkf'k nsus ds fy, nkf;Rok/khu ugha gS] ijUrq ftyk Qksje us bu lc rF;ksa dks /;ku fn, fcuk gh =qfViw.kZ vkns'k ikfjr fd;k gSA vr% vukosnd dz-2 dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA 11- mRrjoknh dz-1@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ch- ds- ik.Ms; dk rdZ gS fd ifjoknh us vius iq= vfHk"ksd flag dh i<+kbZ gsrq 1]79]000@&¼,d yk[k mU;klh gtkj :Ik;s½ dk _.k vukosnd dz-1 ls izkIr fd;k Fkk vkSj vukosnd dz-1 ds dFkukuqlkj // 12 // fu;ekuqlkj _.k dk chek djk;k x;k FkkA iwoZ esa vLoLFkrk ds dkj.k chek ugha djk ik;k Fkk vkSj vukosnd dz-1 ds dgus ij prqFkZ lsesLVj ds iwoZ _.k jkf'k dk chek djok fy;k x;k FkkA vxLr 2012 esa iznRr f'k{kk _.k ds chek gsrq vukosnd dz-1 dh 'kk[kk ds }kjk izhfe;e dh jkf'k 1]793@&¼,d gtkj lkr lkS frjkucs :Ik;s½ [kkrs ls dkVk x;k Fkk vkSj vukosnd dz-1 }kjk lykg fn;k x;k Fkk fd vukosnd dz-1 dh 'kk[kk esa tks cpr [kkrk gS mlls izhfe;e dk Hkqxrku gksxk vkSj fnukad&17-08-2012 dks chek fd;s tkus gsrq izhfe;e jkf'k dk vkgj.k dj fn;k x;k Fkk vkSj bl izdkj e`rd vfHk"ksd flag }kjk fy;k x;k _.k fof/kor~ chfer Fkk vkSj mldk fnukad&27-09-2012 dks rst cq[kkj ds dkj.k e`R;q gks x;k Fkk vkSj pwafd _.k chfer Fkk] ,slh fLFkfr esa _.k dh vnk;xh dk nkf;Ro vukosnd dz-2 chek daiuh dk Fkk vkSj bl izdkj ftyk Qksje us tks vkns'k ikfjr fd;k gS og iw.kZr% mfpr gS vkSj mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gSA vr% vukosnd dz- 2 dh vihy fujLr fd;k tkosA 12- mRrjoknh dz-2@vukosnd dz-1 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh jkts'k frokjh dk rdZ gS fd ftyk Qksje us vukosnd dz-1 dks tks nkf;Ro ls eqDr fd;k gS og iw.kZr% fof/k lEer gSA ifjoknh us vius iq= vfHk"ksd dqekj flag ds fy, _.k izkIr fd;k Fkk vkSj ifjoknh vkSj mldk iq= nksuksa gh _.kh gSa vkSj nksuksa ds }kjk nLrkost fu"ikfnr fd;k x;k Fkk vkSj vukosnd dz-1 }kjk chekdrkZ // 13 // daiuh ds [kkrs esa fMek.M Mªk¶V dzekad&258730709 fnukad&17-08-2012 dks 1]793@&¼,d gtkj lkr lkS frjkucs :Ik;s½ jftLVMZ Mkd fnukad&04-08-2012 dks ,l- ch- vkbZ- ykbZQ ba';ksjsal daiuh fyfeVsM] fcykliqj dks izsf"kr fd;k x;k Fkk vkSj bl izdkj vukosnd dz-1 cSad }kjk le; ij chek daiuh dks izhfe;e dh jkf'k izsf"kr dj fn;k x;k Fkk vkSj vukosnd dz-1 cSad dk dksbZ nkf;Ro ugha gS vkSj ftyk Qksje us tks vkns'k ikfjr fd;k gS og iw.kZr% mfpr gS vkSj mlesa fdlh izdkj ds gLr{ksi dh vko';drk ugha gSA vr% vukosnd dz-2 dh vihy fujLr fd;k tkosA 13- uksfVl rkehyh ds ckn Hkh mRrjoknh dz-3@vukosnd dz-3 dh vksj ls dksbZ mifLFkr ugha gSA 14- geus mHk;i{k ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;k x;kA 15- ifjoknh dh vksj ls vius iq= e`rd vfHk"ksd flag ds _.k [kkrs dk LVsVesaV vkWQ ,dkÅ.V rFkk ikl cqd dh Nk;kizfr izLrqr fd;k x;k gSA ikl cqd ds ifj'khyu ls Li"V gS fd vukosnd dz-1 cSad }kjk fnukad&17-08-2012 dks ,l- ch- vkbZ- ykbZQ _.k j{kk ,tqds'ku yksu ds laca/k esa 1]793@&¼,d gtkj lkr lkS frjkucs :Ik;s½ izhfe;e dh jkf'k dh dVkSrh dh xbZ gSA ,usD'pj&lh lfVZfQdsV vkWQ ba';ksjsal gS] gkykafd // 14 // bl ba';ksjsal ikWfylh esa desalesaV MsV 28 flracj 2012 crk;k x;k gS] ijUrq vukosnd dz-1 }kjk ;g Li"V :Ik ls dFku fd;k x;k gS fd mlus izhfe;e dh jkf'k cSad Mªk¶V dzekad&258730709 fnukad&17-08-2012 ds ek/;e ls ,l- ch- vkbZ- ykbZQ ba';ksjsal daiuh fyfeVsM] fcykliqj dks fnukad&04-09-2012 dks jftLVMZ Mkd ds }kjk izsf"kr dj fn;k x;k Fkk vkSj vukosnd dz-1 }kjk mDr cSad Mªk¶V dh Nk;kizfr izLrqr fd;k x;k gS tks fnukad&17-08-2012 dk gSA tc vukosnd dz-1 }kjk izhfe;e dh jkf'k fnukad&04-09-2012 dks jftLVMZ Mkd ls vukosnd dz-2 dks izsf"kr fd;k x;k gS rks fuf'pr gS fd vukosnd dz-2 dks mDr jkf'k ikWfylh tkjh djus ds dkQh iwoZ ls gh izkIr gks x;k gksxk vkSj fMek.M Mªk¶V dh jkf'k izkIr djus ds ckn Hkh rRdky vukosnd dz-2 }kjk ikWfylh tkjh ugha dj mls vius ikl j[ks jgk vkSj fnukad&28-09-2012 dks chek ikWfylh tkjh fd;k x;k gSA bu lc ifjfLFkfr;ksa esa ;gh ekuk tkosxk fd ikWfylh tkjh djus esa vukosnd dz-2 chek daiuh }kjk foyac dkfjr fd;k x;k gS vkSj uk rks blesa e`rd dk dksbZ nks"k gS vkSj uk gh vukosnd dz-1 cSad dh ykijokgh gS vkSj ,slh fLFkfr esa ;g ekuk tkosxk fd e`rd fof/kor~ :Ik ls chfer Fkk vkSj blesa e`rd ;k vukosnd dz-1 cSad dk dksbZ mis{kk ugha jgk gS vkSj bu lc ifjfLFkfr;ksa dks ns[krs gq, ;gh ekuk tkosxk fd e`rd }kjk izkIr _.k ds laca/k esa e`rd dks fof/kor~ :Ik ls vukosnd dz-2 chek daiuh }kjk chfer djk;k x;k FkkA // 15 // 16- vukosnd dz-2 dh vksj ls ;g crkus dk iz;kl fd;k x;k gS fd ifjoknh us chek yksdiky ds le{k vihy izLrqr fd;k Fkk blfy, ifjokn la/kkj.kh; ugha gSA vukosnd dz-2 dk mDr rdZ Lohdkj ;ksX; ugha gSA 17- /kkjk&3 miHkksDrk laj{k.k vf/kfu;e] 1986] esa crk;k x;k gS fd%& **3- vf/kfu;e dk fdlh vU; fof/k ds vYihdj.k esa u gksuk&bl vf/kfu;e ds miyC/k rRle; izo`Rr fdlh vU; fof/k ds mica/kksa ds vfrfjDr gksaxs u fd mlds vYihdj.k esaA** 18- tgka rd ftyk Qksje ds {ks=kf/kdkj dk laca/k gS] M/s National Seeds Corporation Ltd. vs. M. Madhusudhan Reddy, 2013 (4) CPR 345 (SC), esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "29. The remedy of arbitration is not the only remedy available to a grower. Rather, it is an optional remedy. He can either seek reference to an arbitrator or file a complaint under the Consumer Act. If the grower opts for the remedy of arbitration, then it may be possible to say that he cannot, subsequently, filed complaint under the Consumer Act. However, if he chooses to file a complaint in the first instance before the competent Consumer Forum, then he cannot be denied relief by invoking Section 8 of the Arbitration and Conciliation Act, 1996 Act. Moreover, the plain language of Section 3 of the Consumer Act makes it clear that the remedy available in that Act is in addition to and not in derogation of the provisions of any other law for the time being in force. In Fair Air Engineers (P) Ltd. v. N.K. Modi (supra), the 2 - Judge Bench interpreted that section and held as under :-
"the provisions of the Act are to be construed widely to give effect to the object and purpose of the Act. It is seen that Section 3 envisages // 16 // that the provisions of the Act are in addition to and are not in derogation of any other law in force. It is true, as rightly contended by Shri Suri, that the words "in derogation of the provisions of any other law for the time being in force" would be given proper meaning and effect and if the complaint is not stayed and the parties are not relegated to the arbitration, the Act purports to operate in derogation of the Arbitration Act. Prima facie, the contention appears to be plausible but on construction and conspectus of the provisions of the Act we think that the contention is not well founded. Parliament is aware of the provisions of the Arbitration Act and the Contract Act, 1872 and the consequential remedy available under Section 9 of the Code of Civil Procedure, i.e., to avail of right of civil action in a competent court of civil jurisdiction. Nonetheless, the Act provides the additional remedy. It would, therefore, be clear that the legislature intended to provide a remedy in addition to the consentient arbitration which could be enforced under the Arbitration Act or the civil action in a suit under the provisions of the Code of Civil Procedure. Thereby, as seen, Section 34 of the Act does not confer in automatic right nor create an automatic embargo on the exercise of the power by the judicial authority under the Act. It is a matter of discretion. Considered from this perspective, we hold that though the District Forum, State Commission and National Commission are judicial authorities, for the purpose of Section 34 of the Arbitration Act, in view of the object of the Act and by operation of Section 3 thereof, we are of the considered view that it would be appropriate that these forums created under the Act are at liberty to proceed with the matters in accordance with the provisions of the Act rather than relegating the parties to an arbitration proceedings pursuant to a contract entered into between the parties. The reason is that the Act intends to relieve the consumers of the cumbersome arbitration proceedings or civil action unless the forums on their own and on the peculiar facts and circumstances of a particular case, come to the conclusion that the appropriate forum for adjudication of the disputes would be otherwise those given in the Act."
// 17 // 19- Fair Air Engineers Pvt. Ltd. And Another v. N.K. Modi, (1996) Supreme Court Cases 385, esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "16. It, would therefore, be clear that the legislature intended to provide a remedy in addition to the consentient arbitration which could be enforced under the Arbitration Act or the civil action in a suit under the provisions of the Code of Civil Procedure. Thereby, as seen, Section 34 of the Act does not confer an automatic right nor create an automatic embargo on the exercise of the power by the judicial authority under the Act. It is a matter of discretion. Considered from this perspective, we hold that though the District Forum, State Commission and National Commission are judicial authorities, for the purpose of Section 34 of the Arbitration Act, in view of the object of the Act and by operation of Section 3 thereof, we are of the considered view that it would be appropriate that these forums created under the Act are at liberty to proceed with the matters in accordance with the provisions of the Act rather than relegating the parties to an arbitration proceedings pursuant to a contract entered into between the parties. The reason is that the Act intends to relieve the consumers of the cumbersome arbitration proceedings or civil action unless the forums on their own and on the peculiar facts and circumstances of a particular case, come to the conclusion that the appropriate forum for adjudication of the disputes would be otherwise those given in the Act".
20- Navin Khanna (Dr.) & Ors. Vs. Unitech Reliable Projects Pvt. Ltd. & Anr. III (2016) CPJ 203 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "ii. Consumer Protection Act, 1986-Section-3- Complaint- Maintainability- Arbitration Clause in agreement- Complainant can avail the alternative remedy- Complaint maintainable."
// 18 // 21- dsoy bl vk/kkj ij fd chek yksdiky us ifjoknh ds nkos dks fujLr dj fn;k gS] miHkksDrk Qksje ds {ks=kf/kdkj dks izfojr~ ugha fd;k tk ldrk gSA /kkjk&3 miHkksDrk laj{k.k vf/kfu;e] 1986 ds izko/kku ds ifjizs{; esa ifjoknh dk ifjokn la/kkj.kh; gS vkSj ,slh fLFkfr esa vukosnd dz-2 }kjk tks {ks=kf/kdkj ds laca/k esa vk{ksi fd;k x;k gS og Lohdkj ;ksX; ugha gSA 22- vukosnd dz-2 dh vksj ls ;g Hkh vk/kkj fy;k x;k gS fd e`rd chekj Fkk vkSj og usQzksfVd flUMªkse dh chekjh ls xzflr FkkA 23- Life Insurance Co. of India Vs. Asha Goel & Anr. III (2012) CPJ 5 (SC), esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd& **fdlh Hkh egRoiw.kZ rF;ksa dks fNik;k x;k gS] bl rF; dks lkfcr djus dk Hkkj chek diauh ij gSA** 24- tgka rd chek ikWfylh tkjh djrs le; chekjh ds rF; dks fNik;s tkus laca/kh rF; dk laca/k gS] mldk izek.k Hkkj chek daiuh ij gS] fdUrq vukosnd dz-2 chek daiuh dh vksj ls bl izdj.k esa dsoy MkW- vkj- ,y- vxzoky esfMdy Lis'kfyLV dk fizfLdzI'ku izLrqr fd;k x;k gSA bl fizfLdzI'ku dks i<+us ls ;g izdV ugha gksrk gS fd e`rd ,slh dksbZ chekjh ls xzflr Fkk ftlds ifj.kke Lo:Ik gh e`rd dh e`R;q dkfjr gqvk gS rFkk vuksond dz-2 chek daiuh }kjk fpfdRld dk 'kiFk&i= Hkh izLrqr ugha fd;k x;k gS vkSj dsoy MkW- vkj- ,y- vxzoky ls bZykt // 19 // djk;k tkuk bl rF; dks lkfcr djus ds fy, Ik;kZIr ugha gS fd e`rd us viuh chekjh ds rF; dks fNikrs gq, ikWfylh izkIr fd;k gSA vukosnd dz-2 us vius fyf[kr dFku dh tks izkjafHkd vkifRr gS mldh dafMdk&4 esa usQzksfVd flUMªkse dh chekjh crk;k gS] ijUrq bl laca/k esa dksbZ izek.k&i= izLrqr ugha gSA ,slh fLFkfr esa vukosnd dz-2 chek daiuh dk ;g cpko fd e`rd }kjk chekjh ds rF; dks fNikrs gq, chek ikWfylh izkIr fd;k gS] Lohdkj ;ksX; ugha gSA 25- mijksDr foospuk ds ifjizs{; esa ftyk Qksje us tks fu"d"kZ fudkyk gS og iw.kZr% mfpr gSA mlesa fdlh izdkj dh vfu;ferk ,oa voS/kkfudrk ugha gS vkSj uk gh fdlh izdkj ds gLr{ksi dh vko';drk gSA 26- vr% vihykFkhZ@vukosnd dz-2 dh vksj ls izLrqr vihy lkjghu gksus ls fujLr fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&02-01-2018 dh iqf"V dh tkrh gSA bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj- ,l- 'kekZ½ ¼Mh- ds- iksn~nkj½ ¼ujsanz xqIrk½ ¼Jherh :fp xks;y½ v/;{k lnL; lnL; lnL;
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