State Consumer Disputes Redressal Commission
Ifco Tokio Genral Ins.Co. vs Smt. Usha Kawar on 2 August, 2010
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FkhA jsLiksMsaV ua-1¼ifjokfnuh½ ds ifr Lo-Jh tcj flag¼ftUgsa vkxs e`rd ds uke ls lacksf/kr fd;k tk,sxk½ us jsLiksMsaV ua-2&lfefr ls fnukad 23-10-2007dks tfj;s fcy la[;k 192 dqy 25 csx IFFCO N PK moZjd dheru 11]125@&:i;s vnk dj [kjhn fd;sA bl izdkj e`rd ladV gj.k chek ;kstuk ds rgr nq?kZVuk esa e`R;q ds vUrxZr chfer FkkA vkxs dguk gS fd e`rd ds fnukad 19-12-2007 dks dqavk tks;yk esa d`f"k dk;Z gsrq VªsDVj ls fctyh eksVj pkyq djrs le; djaV yx x;k ftlls mldh nkSjkus bZykt e`R;q gks x;h] ftl dkj.k os chek jkf'k 1]00]000@&:i;s ikus ds vf/kdkjh FksA bl lanHkZ esa jsLiksMsaV ua-1¼ifjokfnuh½ }kjk vihykaV&Insurance Co. ds ;gka Dyse is'k fd;k ftls vihykaV&Insurance Co. us mudk Dyse vius i=k fnukad 21 vizSy 2008 }kjk can dj fn;k ;g dgrs gq;s fd& ^^fo"k;kUrxZr Jh tcj flag dh e`R;q ds lEcU/k esa vkidk nkok ,oa nkos ds lkFk layXu nLrkostksa dh tkap ls Jh tcj flag ds }kjk moZjd [kjhn dh iqf"V ugha gksrh gSA tkap ds nkSjku miyC/k nLrkostksa esa Ø; jlhn ij vafdr gLrk{kj vU; gLrk{kj lEcU/kh nLrkost cSad ds fjdkMZ ij vafdr gLrk{kj ls esy ugha [kkrs gSaA blls ;g lkfcr gksrk gS fd okLro esa moZjd dh [kjhn Jh tcj flag }kjk ugha dh xbZ FkhA bl ckjs esa ge vkidks voxr djkuk pkgrs gS fd ikfylh dh fu;e o 'krksZa ds vuqlkj moZjd [kjhn dh jlhn ij Øsrk ds gLrk{kj ,oa mldh izekf.kdrk gksuk vfuok;Z gS fdUrq vkids nkos esa ikfylh dk ikyu ugha gqvk gS vr%nkok ikfylh ds fu;e o 'krksZa ds vuqlkj v;ksX; ,oa fujLr gSA mDr ifjfLFkfr esa vkids nkosa dks ^dksbZ nkok ugha* dj cUn fd;k tkrk gSA** mlds ckn esa jsLiksMsaV ua- 1 ¼ifjokfnuh½ us ifjokn is'k fd;kA 4- vihykaV&Insurance Co. us ftyk eap] fljksgh esa viuk tokc fnukad 22-1-2009 dks is'k fd;kA mUgksaus eq[; :i ls ogh nyhysa yh tks fd vius jsiwfM;s'ku i=k fnukad 21 vizSy 2008 esa yh FkhA blds vykok mudk ;g dguk gS fd bUgksaus tkap gsrq bUosLVhxsVj Jh iznhi yk[kksfV;k dks fu;qDr fd;k Fkk ftUgksaus viuh fjiksVZ fnukad 29-2-2008 dks nh ftlesa mUgksaus jsLiksMsaV ua-2&lfefr ds LVkWd jftLVj esa e`rd tcj flag }kjk [kjhn fd;s x;s cSax dk mYys[k ugha Fkk rFkk fjdkMZ ls moZjd ds Ø; dh izekf.kdrk fl) ugha ekuh rFkk fjiksVZ esa ;g Hkh ekuk gS fd e`rd&tCcj flag ds vafdr gLrk{kj mlds cpr [kkrs ij vafdr gLrk{kj ls esy ugha [kkrs gSA blds gykok e`rd&tcj flag ds gLrk{kj dh gLrk{kj fo'ks"kK Jh euh"k lDlsuk ls Hkh tkap djkbZ Fkh ftUgksuas Hkh tkap fjiksVZ fnuakd 4-8-2008 esa ;g iw.kZr;k lkfcr ekuk gS fd mDr fcy la- 192@23-10-2007 ij vafdr gLrk{kj e`rd&tCcj flag ds ugha gS] vkfn&vkfn vr% mudh dksbZ lsok esa deh ugha jgh gS vr% ifjokn [kkfjt fd;k tk,sA uksV&jsLiksMsaV ua-2&lfefr ds fo:) ftyk eap esa ,d i{kh; dk;Zokgh vey esa ykbZ xbZA 5- ftyk eap us nksuks i{kksa dks lquus ds ckn jsLiksMsaV ua-1¼ifjokfnuh½ dk ifjokn mijksDr izdkj ls Lohdkj fd;k ;g ekurs gq;s fd& 1- bl ekeys esa nks vyx&vyx gLrfyfir fo'ks"kKksa dh fookfnr gLrk{kjksa ds ckjs esa foijhr jk; gS vkSj nksuks gh gLrfyfi fo'ks"kKksa ds 'kiFk&i=k Hkh gSA 2- vr% mijksDr ifjfLFkfr;ksa esa nksuks gh gLrfyfi fo'ks"kKksa dh jk; egRoiw.kZ ugha jgsxhA 3- ifjoknh;k Jherh m"kkdqaoj us vius 'kiFk i=k esa Li"V :i ls ;g dgk gS fd muds ifr tCcj flag us vizkFkhZ la[;k&,d egknso xzke lsok lgdkjh lfefr] mFke.k rglhy f'koxat ls fnukad 23-10-2007 dks tfj;s fcy la[;k 192 dqy 25 cSx IFFCO N PK dheru 11125@&:i;s esa [kjhn fd;k Fkk ftldh iqf"V jlhn la[;k 192 fnuakd 23-10-2007 ds voyksdu ls gksrh gSA 4- bl ij Øsrk dk uke] mlds firk dk uke ds 25 cSx] 445@&:i;s ij cSx IFFCO N PK ds fglkc ls 11125@&:i;s esa [kjhnuk vafdr fd;k gS rFkk okjhlnkj m"kkdqaoj dk uke Hkh vafdr gS vkSj tCcjflag ds ml ij gLrk{kj fd;s gq;s gSA 5- vizkFkhZ }kjk dksbZ Hkh nLrkost bl fjiksVZ ds lkFk izLrqr ugha fd;k x;k gS vr% ;g fjiksVZ egRoiw.kZ ugha jgrh gSA 6- bl rjg ls ifjoknh;k ds bl dFku dk fd mlds ifr us 25 cSx IFFCO N PK fnukad 23-10-2007 dks vizkFkhZ la[;k&,d ls [kjhns Fks mldh iqf"V lacaf/kr fcy ls gksrh gSA 7- ftyk eap us vihykaV&Insurance Co. dks vkns'k fn;k fd og jsLiksMsaV ua-1¼ifjokfnuh½ dks chek jkf'k ,d yk[k :i;s Dyse [kkfjt djus dh fnukad 21-4-2008 ls 9 izfr'kr okf"kZd C;kt lfgr vnk djsa rFkk ifjokn O;; ds 1500@&:i;s Hkh vnk djus ds vkns'k fn;sA 6- ml vkns'k ls vlarq"V gksdj vihykaV&Insurance Co. us ;g vihy is'k dh gSA 7- fo}ku odhy vihykaV&Insurance Co. dk nkSjkus cgl vihy fuEu eqn~ns mBk;s gSa& 1- e`rd }kjk jsLiksMsaV ua-2&lfefr ls 25 cSx IFFCO N PK fnuakd 23-10-2007 dks [kjhnkuk lkfcr ugha gS D;ksafd muds tkap drkZ iznhi yk[kksfV;k us viuh tkap fjiksVZ fnukad 29-2-2008¼izn'kZ&,2½ esa o Jh egs'k lDlsuk Handwriting and Fingerprint Expert us viuh fjiksVZ fnukad 4 vxLr 2008¼izn'kZ&,3½ esa e`rd }kjk fnukad 23-10-2007 dks tfj;s fcy la- 192 dqy 25 csx IFFCO N PK moZjd [kjhnuk lkfcr ugha ekuk gSA mudk ;g Hkh dguk gS fd mDr fcy QthZ rs;kj fd;k x;k gSA 2- vr% ftyk eap dk vkns'k xyr gksus ls fujLr fd;k tkdj vihykaV&Insurance Co. dh vihy Lohdkj dh tk,sA 8- blds foijhr fo}ku odhy jsLiksMsaV ua-1¼ifjokfnuh½ dk dguk gS fd ftyk eap dk vkns'k rF;ksa ij vk/kkfjr gS ftlesa fdlh izdkj dh dksbZ xyrh ugha gksus ls vihykaV&Insurance Co. dh vihy [kkfjt dh tk,sA 9- bl lanHkZ esa fopkj fd;k x;kA uksV& loZizFke ;gka Li"V fd;k tkrk gS fd tgka rd e`rd&tcj flag dh e`R;q fnukad 19-12-2007 dks nq?kZVuk ds QyLo:i gksus dk lEcU/k gS] blesa dksbZ fookn ugha gS blfy, bl lEcU/k esa T;knk dqN dgus dh dksbZ vko';drk ugha gS] ;g rks ,d ckr jghA vihykaV&Insurance Co. ds izFke eqn~ns ds lEcU/k esa& 10- blls igys dh ftyk eap dh QkbZfMax dks ns[kk tk,s ;gka dguk mfpr gksxk fd i=kkoyh esa vihykaV&Insurance Co. dh vksj ls Insurance Investigator iznhi yk[kksfV;k dh fjiksVZ fnukad 29-2-2008¼izn'kZ&, 2½] vihykaV&Insurance Co. dh vksj ls Handwriting and Fingerprint Expert Jh egs'k lDlsuk dh fjiksVZ fnukad 4 vxLr 2008¼izn'kZ&,3½ o jsLiksMsaV ua-1¼ifjokfnuh½ ds Handwriting and Fingerprint Expert Jh jes'k dqekj Bkdqj dh fjiksVZ fnukad 23-3-2009 yxh gqbZ gSA 11- vihykaV&Insurance Co. ds Insurance Investigator iznhi yk[kksfV;k dh fjiksVZ fnukad 29-2-2008¼izn'kZ&, 2½ us Dyse Conclusion ds fuEu nks dkj.k fn;s gS&
1. Signature is not tallied with other document (i.e. Specimen signature in Marwar Gramin Bank, Shivganj vide SB A/c No. 2043603)
2. I did not find entry of affected Bill in Stock Register and Cash -book.
Bill No. 40,44,48,52,72,80,99,100,108,140,164,176,183,196, 208,236,296 and 316 are found Blank.
12- blh izdkj ls vihykaV&Insurance Co. ds Handwriting and Fingerprint Expert Jh egs'k lDlsuk dh fjiksVZ fnukad 4 vxLr 2008¼izn'kZ&,3½ esa ;g Opinion nh gS fd& I am, therefore of opinion that the questioned signature marked as Q1 have not been written and signed by the same person i.e.Jabar Singh whose admitted signature is marked as A1 to A3 and that the questioned signature marked as Q1 is a- "Forgery by Memory" and is a forged signature.
13- blh izdkj ls i=kkoyh esa jsLiksMsaV ua-1¼ifjokfnuh½ dh vksj ls Handwriting and Fingerprint Expert Jh jes'k dqekj Bkdqj dh fjiksVZ fnukad 23-3-2009¼ist ua-73 ls 75½ yxh gqbZ gS ftUgksaus viuh fjiksVZ esa ;g ekuk gS fd& Accordingly, I compared signatures Q1 with S1 to S6, minutely and Critically with the help of Magnifying Glasses, Measuring Scales and basic handwriting characteristics viz. Formation of Letters, Slant of Strokes, Alignment, Muscular habits, Spacing between letters, Skill, Curves and Angles, Proportion of letters, etc. and found that all the signatures Q1 and S1 to S6 show similarities between them. The writer seems to be ill-literate, that is why he gives variations in signatures.
Hence looking to the Major Similarities between signatures Q1 (Annexrue-1) S1 to S5 (Annexure-2) and S6(Annexure-3). I am of the opinion that the person who has made signatures S1 to S6 has also made signature Q1."
14- ,slh fLFkfr esa loZizFke gesa vc ftyk eap dh QkbZfMax dks ns[kuk gksxkA ftyk eap us viuh QkbZfMax esa Li"V :i ls ;g ekuk gS fd& ^^Jh euh"k lDlsuk us viuh tkap fjiksVZ esa crk;k fd tCcj flag ds fnukad 14-12-2001 ds 'kiFk&i=k ij vafdr gLrk{kj ls esy ugha [kkrs gS] tcfd Jh vkj-ds-Bkdqj gLrfyfi fo'ks"kK us viuh tkap fjiksVZ esa crk;k gS fd tCcj flag }kjk vfrfjDr dysDVj ds le{k izLrqr izkFkZuk i=k ij fd;s x;s gLrk{kj ,l&1 ls ,l&6 o e`rd tCcj flag }kjk ys.M fjdkMZ vkWfQlj] fljksgh ds le{k izLrqr 'kiFk&i=k ij gLrk{kj ,l&6 o fookfnr jlhn ij e`rd tCcj flag ds gLrk{kj D;w&1 esa ,oa ,l&1 ls ,l&6 ds gLrk{kjksa esa lekurk gS vkSj bUgha rF;ksa dh iqf"V Jh vkj-ds- Bkdqj us vius 'kiFk&i=k esa dh gSA** 15- vr% ftyk eap us nksuks gh gLrfyfi fo'ks"kKksa dh jk; egRoiw.kZ ugha ekuh o jsLiksMsaV ua-1¼ifjokfnuh½ ds 'kiFk&i=k ij fo'okl djrs gq;s ;g ekuk fd e`rd&tcj flag us jsLiksMsaV ua-2&lfefr ls fnukad 23-10-2007 dks tfj;s fcy la[;k 192 dqy 25 cSx IFFCO N PK dheu 11]125@&:i;s esa [kjhn fd;s Fks] ftls ugha ekuus dk gekjs le{k dksbZ dkj.k ugha gS o ftyk eap dh QkbZfMax bl lEcU/k esa dkfcys iqf"V gSA 16- oSls Hkh jsLiksMsaV ua-2&lfefr ds fcy dks ns[kk tk,s rks mlls Li"V lkfcr gksrk gS fd e`rd&tcj flag us fcy fnuakd 23-10-2007 fcy la- 192 }kjk 25 cSx IFFCO N PK dheu 11]125@&:i;s [kjhn fd;s Fks ftl ij tcj flag ds gLrk{kj gS o okfjlku esa jsLiksMsaV ua-1¼ifjokfnuh½ dk uke gS rFkk uhps jsLiksMsaV ua-2&lfefr ds vf/kd`r O;fDr ds gLrk{kj gS] ftl dkj.k ;g ugha ekuk tk ldrk fd fcy ij e`rd ds QthZ gLrk{kj fd;s x;s gksA blds vykok Hkh e`rd dh e`R;q fnukad 19-12-2007 dks gqbZ gS vFkkZr IFFCO N PK moZdj [kjhnus ds yxHkx 2 ekg ckn vFkkZr oSls Hkh fdlh O;fDr dks iwoZ esa gh ;g vkHkkl ugha gks ldrk gS fd mldh fdlh nq?kZVuk esa e`R;q gksus okyh gS vr% ,slh fLFkfr esa Hkh ;g ugha ekuk tk ldrk fd fookfnr fcy ij e`rd&tcj flag ds gLrk{kj QthZ fd;s x;s gks o fo}ku odhy vihykaV&Insurance Co. dh ;g vkifRr fujLr dh tkrh gSA uksV&;gka ;g Hkh Li"V djuk mfpr gS fd jsLiksMsaV ua-2&lfefr ftlds }kjk e`rd dks mDr moZjd cspku fd;s x;s gS mlds fo:) ftyk eap esa ,di{kh; dk;Zokgh jgh gS rFkk og vihy esa Hkh mifLFkr ugha vkbZ gS rFkk jsLiksMsaV ua-2&lfefr us mDr fcy dks QthZ gksus ds lEcU/k esa dksbZ dFku ;k lk{; vkfn Hkh is'k ugha dh gS] ftl dkj.k Hkh mDr fcy dks QthZ ugha ekuk tk ldrkA 17- tgka rd jsLiksMsaV ua-2&lfefr ds LVkWd jftLVj o ds'k cqd esa lacaf/kr fcy dk bUnzktkr ugha gksus dk lEcU/k gS] bl lEcU/k esa ftyk eap us Li"V :i ls ;g ekuk gS fd vihykaV&Insurance Co. }kjk dksbZ nLrkost bl fjiksVZ ds lkFk is'k ugha fd;k gS vr% ;g fjiksVZ egRoiw.kZ ugha jgrh gSA oSls Hkh ns[kk tk,s rks gekjh jk; esa ;fn jsLiksMsaV ua-2&lfefr ds fjdkMZ o ds'k cqd esa mDr fcy dk bUnzktkr ugha gS rks mlds fy, e`rd ;k mlds okfjlku dks ftEesnkj ugha Bgjk;k tk ldrk gS vr% fo}ku odhy vihykaV&Insurance Co. dh bl lEcU/k esa Hkh vkifRr fujLr dh tkrh gSA {kfriwfrZ ds lEcU/k esa& 18- tgka rd {kfriwfrZ dk lEcU/k gS]pwafd bl dsl esa e`rd us fnuakd 23-10-2007 fcy la- 192 }kjk 25 cSx IFFCO N PK [kjhn fd;s gS o Sankat Haran (Gramin Bima Yojna) ds v/khu izfr dV~Vk 4000@&:i;s chek /ku o vf/kdre 1 yk[k :i;s chek /ku gS vr% bl izdkj ls e`rd ds okfjlku jsLiksMsaV ua-1¼ifjokfnuh½ Dyse Lo:i 1]00]000@&:i;s ikus ds vf/kdkjh gS o ftyk eap us Hkh vius vkns'k }kjk chek Dyse dh jkf'k 1 yk[k :i;s fnykbZ rFkk bl jkf'k ij Dyse fujLr djus dh frfFk 21-4-2008 ls vnk;xh rd 9 izfr'kr okf"kZd nj ls C;kt fnyk;k gS og lgh gS ftlesa gLr{ksi djus ds gekjs le{k dksbZ dkj.k ugha gS rFkk vU; tks vuqrks"k fnyk;k gS og Hkh cgqr ekewyh gS o bl eqn~ns ij Hkh vihykaV&Insurance Co. dh vihy [kkfjt dh tkus ;ksX; gSA 19- mijksDr dkj.kksa ds vk/kkj ij ftyk eap] fljksgh dh QkbZfMax ftlds }kjk jsLiksMsaV ua-1¼ifjokfnuh½ ds ifr }kjk 25 cSx fnukad 23-10-2007 dks jsLiksMsaV ua-2&lfefr ls Ø; fd;s tkuk izekf.kr ekurs gq;s tks vkns'k ikfjr fd;k gS] lgh gS ftlesa fdlh izdkj dh dksbZ dkuwuh xyrh ugha gksus ls vihykaV&Insurance Co. dh vihy xzg.kkFkZ LVst ij esfjV ij [kkfjt dh tkus ;ksX; gSA ifj.kker% vihykaV&Insurance Co. dh vihy xzg.kkFkZ LVst ij [kkfjt dh tkrh gS rFkk ftyk eap] fljksgh }kjk ikfjr fookfnr vkns'k fnukad 30-3-2009 dh iqf"V dh tkrh gSA pwafd vihykaV&Insurance Co. us ftyk eap]fljksgh esa fnukad 9-5-2009 dh 25]000@&:i;s dh ,QMhvkj tek djk nh gS tks jkf'k jsLiksMsaV ua-1¼ifjokfnuh½ e; Accrue C;kt ds ftyk eap] fljksgh ls mBk ysus gsrq Lora=k gSA lkFk gh ;g Hkh Li"V fd;k tkrk gS fd vihykaV&Insurance Co. mDr 25]000@&:i;s ij fnukad 21-4-2008 ls fnukad 9-5-2009 rd 09 izfr'kr okf"kZd dh nj ls C;kt vnk djsxkA blh izdkj ls vihykaV&Insurance Co. us bl vk;ksx ds vkns'k fnukad 20-5-2009 dh ikyuk esa 25]000@&:i;s ftyk eap]fljksgh esa tek djk fn;s gks]rks jsLiksMsaV ua-1¼ifjokfnuh½ ;g jkf'k 25]000@&:i;s e; Accrue C;kt ds Hkh ftyk eap] fljksgh ls mBk ysus gsrq Lora=k gS rFkk bl jkf'k ij Hkh vihykaV&Insurance Co. fnukad 21-4-2008 ls jkf'k tek djkus dh frfFk rd 09 izfr'kr okf"kZd dh nj ls C;kt vnk djsxkA ¼'kf'k dqekj ikjhd½ ¼Jherh foeyk lsfB;k½ ¼U;k;kf/kifr lquhy dqekj xxZ½ lnL;
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