State Consumer Disputes Redressal Commission
Natwarlal vs Epfo on 3 October, 2023
jktLFkku jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj vihy la[;k 91@2023 uVojyky iq= Jh eksguyky 'kekZ] fuoklh& ,&446] vktkn uxj] HkhyokM+k A vihykFkhZ&ifjoknh cuke 01- vk;qDr] deZpkjh Hkfo"; fuf/k laxBu tfj;s vk;qDr] dk;kZy; fp=dwV uxj] Hkqok.kk] mn;iqj] jktLFkku A 02- deZpkjh Hkfo"; fuf/k laxBu tfj;s vf/kd`r vf/kdkjh@izHkkjh] eq[; dk;kZy;& Hkfo"; fuf/k Hkou] 14] Hkhdkth dkek Iysl] ubZ fnYyh A 03- nh lsUVªy dks&vkWijsfVo cSad fyfeVsM] eq[; dk;kZy;& lwpuk dsUnz ds lkeus] HkhyokM+k tfj;s izcU/k funs'kd] lhlhch] iz/kku dk;kZy;] HkhyokM+k] jktLFkku A 04- nh jktLFkku LVsV dkWiksZjs'ku Lihfuax ,.M ftfuax feYl QsMjs'ku fyfeVsM ¼Lihu QsM½ tfj;s ps;jeSu de eSusftax Mk;jsDVj] NBh eafty] usg: lgdkj Hkou] Hkokuh flag ekxZ] t;iqj] jktLFkku A 05- egkizcU/kd ¼Lihu QsM½] xaxkiqj dks&vkWijsfVo Lihfuax feYl fyfeVsM] xaxkiqj bdkbZ] xaxkiqj] ftyk HkhyokM+k] jktLFkku A izR;FkhZx.k&foi{khx.k le{k%& ekuuh; Jh vrqy dqekj pVthZ] ihBklhu lnL; ¼U;kf;d½ ekuuh; Jh fueZy flag esM+roky] lnL; ¼U;kf;d½ mifLFkr%& vihykFkhZ&ifjoknh dh vksj ls %& Jh vt;jkt VkafV;k] vf/koDrk izR;FkhZx.k&foi{khx.k dh vksj ls %& ckotwn rkehy uksfVl dksbZ mifLFkr ugha A cgl lquus dh fnukad %& 26-09-2023 fu.kZ; dh fnuakd %& 03-10-2023 fu.kZ;
[}kjk ekuuh; Jh vrqy dqekj pVthZ] ihBklhu lnL; ¼U;kf;d½] 2 jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k 91@2023 uVojyky cuke vk;qDr] deZpkjh Hkfo"; fuf/k laxBu o vzU;
vihykFkhZ&ifjoknh uVojyky us izR;FkhZx.k&foi{khx.k vk;qDr] deZpkjh Hkfo"; fuf/k laxBu o vU; ds fo:) ;g vihy fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] HkhyokM+k ds }kjk ifjokn izdj.k la[;k 179@2018 cmuoku uVoj yky cuke vk;qDr] deZpkjh Hkfo"; fuf/k laxBu o vU; easa ikfjr fu.kZ; 14-02-2023 ds fo:) izLrqr dh gS] ftlds }kjk fo}ku ftyk miHkksDrk vk;ksx us vihykFkhZZ&ifjoknh dk ifjokni= [kkfjt dj fn;k gS A 02- ekeys ds lqlaxr rF; la{ksi esa bl izdkj ls gS fd ifjoknh fnuakd 03-08-1982 dks foi{kh la[;k 4 ds ;gka xaxkiqj dks& vkWijsfVo Lihfuax fey fyfeVsM esa fyfid ds in ij fu;qDr gqvk Fkk] tgka mldk Hkfo"; fuf/k [kkrk la[;k RJ/UDR/4725/0003 Fkk A fnukad 05-05-2003 dks ifjoknh dks foi{kh la[;k 3 nh lsUVªy dks&vkWijsfVo cSad fyfeVsM] HkhyokM+k ds ;gka izfrfu;qfDr ij Hkst fn;k x;k] tgka mls u;k Hkfo"; fuf/k [kkrk la[;k RJ/UDR/833/175 tkjh dj fn;k x;k A ifjoknh fnuakd 31-12-2016 dks foi{kh la[;k 3 nh lsUVªy dks&vkWijsfVo cSad fyfeVsM] HkhyokM+k ds ;gka ls lsokfuo`Ÿk gqvk A ifjoknh dk;Zxzg.k dh fnukad ls lsokfuo`fŸk dh fnuakd rd Hkfo"; fuf/k dk lnL; jgdj fujUrj viuk va'knku Hkfo"; fuf/k esa tek djokrk jgk rFkk foHkkx }kjk Hkh ifjoknh ds Hkfo"; fuf/k [kkrs esa va'knku mlh vuqikr esa fujUrj tek djok;k tkrk jgk A ifjoknh ds dk;Zxzg.k fnukad ls lsokfuo`fŸk fnuakd rd Hkfo"; fuf/k dh tek jkf'k foi{kh la[;k 1 ds ikl tek gqbZ rFkk tek jkf'k ij C;kt Hkh foi{kh la[;k 1 }kjk gh fn;k tkuk Fkk A lsokfuo`fŸk ds le; ifjoknh us foi{kh la[;k 1 ds ;gka Hkfo"; fuf/k dh jkf'k ds Hkqxrku gsrq vkosnu fd;k] ftl ij foi{kh la[;k 1 us ifjoknh dks Hkfo"; fuf/k [kkrs esa tek jkf'k dk vafre Hkqxrku fd;k] ysfdu o"kZ 2011 ls 2015 rd dh tek jkf'k ij C;kt jkf'k yxHkx 2]26]902@&:i;s dk Hkqxrku ugha fd;k] tks foi{khx.k dk lsoknks"k gS A 3 jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k 91@2023 uVojyky cuke vk;qDr] deZpkjh Hkfo"; fuf/k laxBu o vzU;
vr% ifjoknh us fo}ku ftyk miHkksDrk vk;ksx ds le{k ifjokni= izLrqr dj C;kt jkf'k 2]26]902@&:i;s] ekufld rFkk 'kkjhfjd larki dh {kfriwfrZ Lo:Ik 2]00]000@&:Ik;s] vkfFkZd {kfriwfrZ Lo:Ik 1]00]000@&:Ik;s rFkk ifjokn O;; ,oa vf/koDrk 'kqYd isVs 51]000@&:i;s pkgs A 03- foi{kh la[;k 1 ,oa 2 us tokc ifjokni= izLrqr dj vfHkdfFkr fd;k fd] ifjoknh ds Hkfo"; fuf/k [kkrk la[;k RJ/UDR/4725/0003 esa foi{kh la[;k 5 }kjk vafre ckj o"kZ 2006&07 esa gh va'knku izkIr gqvk] mlds i'pkr~ fdlh izdkj dk va'knku izkIr ugha gksus ds dkj.k fu;ekuqlkj ifjoknh dk mDr Hkfo"; fuf/k [kkrk fuf"Ø; dj fn;k x;k] ftl ij C;kt ns; ugha Fkk] blds i'pkr~ Hkh ifjoknh }kjk foi{kh la[;k 3 ds ;gka izfrfu;qfDr ij dk;Zxzg.k djus dh lwpuk QkWeZ la[;k 13 }kjk foi{kh la[;k 1 dks ugha nh xbZ A ldwZyj fnuakfdr 11-03-2011 ds vuqlkj fdlh Hkh lnL; ds [kkrs esa fuf"Ø; gksus ls igys fnu vFkkZr~ 37osa ekg ls ml [kkrs esa fdlh izdkj dk C;kt ns; ugha gksus ds dkj.k ifjoknh dks o"kZ 2011 ls 2015 rd dh jkf'k ij C;kt ugha fn;k x;k A ifjoknh }kjk foi{kh la[;k 1 ds ;gka is'a ku gsrq vkosnu&i= ¼QkWeZ 10 Mh½ izLrqr fd;s tkus ij foi{kh la[;k 1 }kjk ifjoknh dks ns; leLr ykHkksa dk Hkqxrku dj fn;k x;k A vr% foi{kh la[;k 1 ,oa 2 us vius lanHkZ esa ifjokni= [kkfjt fd;s tkus dk fuosnu fd;k A 04- fo}ku ftyk miHkksDrk vk;ksx }kjk foi{kh la[;k 3 ds fo:) ,drjQk dk;Zokgh vey esa ykbZ xbZ rFkk ifjoknh ds vf/koDrk dh izkFkZuk ij foi{kh la[;k 4 ds fo:) dksbZ dk;Zokgh ugha dh xbZ A 05- foi{kh la[;k 5 us tokc ifjokni= izLrqr dj vfHkdfFkr fd;k fd] foi{kh la[;k 5 laLFkku esa ifjoknh dh fu;qfDr fnuakd 03-08-1982 dks gqbZ rFkk ifjoknh dk Hkfo"; fuf/k [kkrk la[;k RJ/UDR/4725/0003 Fkk A blds ckn ifjoknh ds Hkfo"; fuf/k [kkrk la[;k esa fdlh izdkj ds cnyko dh tkudkjh foi{kh la[;k 5 dks ugha gS A ifjoknh] foi{kh la[;k 1 dk 4 jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k 91@2023 uVojyky cuke vk;qDr] deZpkjh Hkfo"; fuf/k laxBu o vzU;
miHkksDrk gS vFkok ugha] foi{kh la[;k 1 us ifjoknh dks lgh x.kuk vuqlkj Hkqxrku fd;k gS vFkok ugha] ifjoknh dh izfrfu;qfDr dgka gqbZ rFkk izfrfu;qfDr ds ckn mldk [kkrk la[;k D;k jgk ,oa foi{kh la[;k 1 us ifjoknh dk uke Hkfo"; fuf/k [kkrk ls dCk vkSj D;ksa dkVk vkfn lHkh rF;ksa dh tkudkjh foi{kh la[;k 1 dks ugha gS A vr% foi{kh la[;k 5 us vius lanHkZ esa ifjokni= [kkfjt fd;s tkus dh izkFkZuk dh A 06- fo}ku ftyk miHkksDrk vk;ksx us mHk;i{k dh cgl lqudj ,oa lk{; vfHkfyf[kr djds mHk;i{k ds vfHkopuksa ,oa lk{; ds vk/kkj ij vkyksP; fu.kZ; ikfjr fd;k] ftlls O;fFkr gksdj vihykFkhZ&ifjoknh us ;g vihy is'k dh gS A 07- izR;FkhZ&foi{kh la[;k 1 yxk;r 5 dh vksj ls nkSjkus cgl vihy dksbZ mifLFkr ugha vk;k] fdUrq izR;FkhZ&foi{kh la[;k 1 ,oa 2 dh vksj ls foHkkxh; izfrfuf/k Jh jkts'k esBh] 'kk[kk i;Zos{kd fof/k us fnukad 14-09-2023 dks mifLFkr gksdj fyf[kr cgl is'k dh A bu ifjLFkfr;ksa esa fnukad 26-09-2023 dks vihykFkhZ&ifjoknh ds ;ksX; vf/koDrk dh cgl ,oa mijksDrkuqlkj izR;FkhZ&foi{kh la[;k 1 ,oa 2 dh vksj ls izLrqr fyf[kr cgl ds vk/kkj ij fu.kZ; fd;k tk jgk gS A 08- ;ksX; vf/koDrk vihykFkhZ&ifjoknh us viuh ekSf[kd cgl esa dekscs'k vihy eheksa ds rF;ksa dks rdksZa ds :Ik esa nksgjkrs gq, fo}ku ftyk miHkksDrk fookn izfrrks"k] HkhyokM+k ds vkyksP; fu.kZ; fnukad 14-02-2023 dks fookfnr fd;k gS A mudk izeq[k rdZ ;g gS fd tc Lohd`r rkSj ij izR;FkhZ&foi{kh deZpkjh Hkfo"; fuf/k laxBu foHkkx }kjk o"kZ 2011 ls 2015 ds e/; vihykFkhZ&ifjoknh ds ewy HkfOk"; fuf/k [kkrk la[;k RJ/UDR/4725/0003 esa izR;FkhZ&foi{kh la[;k 5 xaxkiqj dks&vkWijsfVo Lihfuax feYl fyfeVsM] xaxkiqj bdkbZ] xaxkiqj] ftyk HkhyokM+k esa fnuakd 03-08-1982 dks fu;qDr gksus ds i'pkr~ [kksys x;s mDr Hkfo"; fuf/k [kkrs esa tek jkf'k vnk dj nh xbZ rks fQj mDr vof/k esa mDr jkf'k ij ns; C;kt Hkh ns; Fkk] tks fd ugha 5 jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k 91@2023 uVojyky cuke vk;qDr] deZpkjh Hkfo"; fuf/k laxBu o vzU;
fn;k x;k A vr% izR;FkhZ&foi{kh Hkfo"; fuf/k laXkBu foHkkx ds fo:) fo|eku rF;ksa ,oa ifjfLFkfr;ksa esa vfHkys[k ij miyC/k vfHkopu vkSj lk{; ds vk/kkj ij lsoknks"k izekf.kr ekus tkus ;ksX; Fkk ,oa tek jkf'k ij C;kt fnykuk tkuk pkfg;s Fkk] tks fd ugha fnykdj fo}ku ftyk miHkksDrk vk;ksx us lgh ugha fd;k gS A vr% vkyksP; fu.kZ; vikLr dj vius i{k esa fu.kZ; ikfjr djus dh izkFkZuk dh A 09- izR;FkhZ&foi{kh la[;k 1 ,oa 2 Hkfo"; fuf/k laxBu foHkkx ds izfrfuf/k us viuh fyf[kr cgl esa ;g nf'kZr fd;k fd Lohd`r rkSj ij vihykFkhZ&ifjoknh] foi{kh la[;k 4 dss ;gka fnuakd 03-08-1982 dks fu;qDr gqvk Fkk] fdUrq fnukad 05-05-2003 dks izfrfu;qfDr ij izR;FkhZ&foi{kh la[;k 3 ds ;gka Hkst fn;k x;k A izkjEHk esa vihykFkhZ&ifjoknh ds i{k esa Hkfo"; fuf/k [kkrk la[;k RJ/UDR/4725/0003 vkoafVr fd;k x;k Fkk] ftlesa o"kZ 2006&07 rd va'knku izkIr gksrk jgk ,oa o"kZ 2007 esa u;s laLFkku esa izfrfu;qfDr ij tkus ds i'pkr~ u;k Hkfo"; fuf/k [kkrk la[;k RJ/833/175 vkoafVr djok;k x;k rFkk iwoZorhZ Hkfo"; fuf/k [kkrk la[;k RJ/UDR/4725/0003 esa va'knku tek djok;k tkuk cUn dj fn;k x;k A bl ckcr~ vihykFkhZ&ifjoknh }kjk fu;ekuqlkj fu/kkZfjr izi= la[;k 13 esa fu;kstu ifjorZu dh dksbZ lwpuk ugha nh xbZ ,oa iwoZorhZ Hkfo"; fuf/k [kkrk cUn djok;s fcuk u;k Hkfo"; fuf/k [kkrk vkoafVr djok fy;k x;k A vihykFkhZ&ifjoknh iwoZorhZ Hkfo"; fuf/k [kkrk la[;k RJ/UDR/4725/0003 esa fu;ekuqlkj va'knku dh vafre vnk;xh o"kZ 2006&07 ds 37 ekg iwoZ fuf"Ø;@vizpfyr ?kksf"kr dj fn;k x;k ,oa foHkkx }kjk tkjh ifji= ds vuqlkj fuf"Ø; [kkrs esa C;kt dh x.kuk ugha fd;s tkus dh vuqikyuk esa mDr Hkfo"; fuf/k [kkrk la[;k RJ/UDR/4725/0003 esa C;kt dh x.kuk cUn dj nh xbZ A bu ifjLFkfr;ksa esa Lo;a vihykFkhZ&ifjoknh ds }kjk vius dŸkZO; dk fuoZgu ugha djus dh fLFkfr esa iwoZorhZ Hkfo"; fuf/k [kkrk la[;k RJ/UDR/4725/0003 esa C;kt dh x.kuk ,oa vnk;xh ugha dh xbZ D;ksafd 6 jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k 91@2023 uVojyky cuke vk;qDr] deZpkjh Hkfo"; fuf/k laxBu o vzU;
mDr [kkrk o"kZ 2011 ls fuf"Ø; [kkrs dh Js.kh esa vk pqdk Fkk A fyf[kr cgl esa ;g Hkh fcUnq mBk;k x;k gS fd o"kZ 2011 esa mRiUUk okndkj.k ds fy, o"kZ 2018 esa ifjokn is'k fd;k x;k gS A 10- geus mHk;i{k ds rdksZa ds ifjizs{; esa fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] HkhyokM+k ds vkyksP; fu.kZ; ,oa leLr vfHkys[k dk voyksdu fd;k A 11- gLrxr izdj.k esa Lohd`r rkSj ij vihykFkhZ&ifjoknh dks mlds ewy foHkkx ls fnuakd 05-05-2003 dks izR;FkhZ&foi{kh la[;k 3 ds ;gka izfrfu;qfDr ij Hksts tkus ds i'pkr~ fu;ekuqlkj vihykFkhZ&ifjoknh us vius ewy Hkfo"; fuf/k [kkrk la[;k RJ/UDR/4725/0003 dk varj.k i'pkr~orhZ foHkkx esa tkus ds ckn [kksys x;s u;s Hkfo"; fuf/k [kkrs esa djokus gsrq fu/kkZfjr izi= esa QkeZ Hkjdj izLrqr ugha fd;k A Lohd`r rkSj ij dkQh le; rd vihykFkhZ&ifjoknh ds uke ls nks Hkfo"; fuf/k [kkrs Øe'k% RJ/UDR/4725/0003 ,oa RJ/833/175 lapkfyr gksrs jgs rFkk pwfa d ewy Hkfo"; fuf/k [kkrk la[;k RJ/UDR/4725/0003 esa o"kZ 2006&07 rd va'knku tek djok;k tkrk jgk] blds i'pkr~ mDr ewy Hkfo"; fuf/k [kkrs esa dksbZ va'knku tek ughaa gqvk] vr% o"kZ 2006&07 ds i'pkr~ ls gh iqjkus Hkfo"; fuf/k [kkrs esa laO;ogkj ugha gksus ls] vafre va'knku dh fnukad ls 36 ekg iw.kZ gksrs gh vihykFkhZ&ifjoknh dk ewy Hkfo"; fuf/k [kkrk fu;ekuqlkj fuf"Ø;@vizpfyr gks x;k vkSj fo}ku ftyk miHkksDrk vk;ksx ds vkyksP; fu.kZ; esa lacfa /kr foHkkxh; ifji= ds vuqlkj fuf"Ø; [kkrs esa C;kt ns; ugha gks ldrk] ds vk/kkj ij C;kt dh x.kuk ugha dh xbZ A gkykafd bl ekeys esa Lohd`r rkSj ij izR;FkhZ&foi{kh Hkfo"; fuf/k laXkBu foHkkx us o"kZ 2011 ls 2015 ds e/; ewy [kkrs esa tek jfk'k dk Hkqxrku vihykFkhZ&ifjoknh dks dj fn;k gS] fdUrq ftl izdkj vihykFkhZ&ifjoknh us ewy jkf'k ij mDr vof/k esa C;kt ns; gksuk crk;k gS] og gekjs fouez er esa vihykFkhZ&ifjoknh dk ewy Hkfo"; fuf/k [kkrk fuf"Ø; gks tkus ,oa fuf"Ø;
7jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k 91@2023 uVojyky cuke vk;qDr] deZpkjh Hkfo"; fuf/k laxBu o vzU;
[kkrs esa C;kt dh x.kuk ugha fd;s tkus ;ksX; gksus ls C;kt fnyk;k tkuk lEHko ugha Fkk A tSlkfd dh Åij crk;k x;k gS fd Lo;a vihykFkhZ&ifjoknh us fnuakd 05-05-2003 dks foHkkx ifjorZu ds ckn fu/kkZfjr izi= esa Hkfo"; fuf/k foHkkx ds ;gka vkosnu ugha fd;k ,oa blh dkj.k dkQh le; rd vihykFkhZ&ifjoknh ds uke nks Hkfo"; fuf/k [kkrs lapkfyr gksrs jgs A gekjs fouez er esa ftl izdkj vihykFkhZ&ifjoknh dfFkr rkSj ij izR;FkhZ&foi{kh Hkfo"; fuf/k laxBu foHkkx ds fo:) ewy jkf'k vnk djus ds vfrfjDr C;kt vnk ugha djus dks lsok esa deh crkdj vk;k gS] og fopkjk/khu izdj.k ds rF;ksa vkSj ifjfLFkfr;kssa esa Lohdkj fd;s tkus ;ksX; ugha gS A 12- fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] HkhyokM+k ds vkyksP; fu.kZ; dk lko/kkuhiwoZd v/;;u djus ij geus ik;k fd fo}ku ftyk miHkksDr vk;ksx us vihykFkhZ&ifjoknh ds ekeys dks vkyksP; fu.kZ; ds pj.k la[;k 14 esa foLr`r :Ik ls foosfpr fd;k gS ,oa ftu vk/kkjksa ij vihykFkhZ&ifjoknh ds ifjokni= dks Lohdkj fd;s tkus ;ksX; ugha ekuk gS] ml er ls ge iw.kZr% lgefr O;Dr djrs gSa vkSj vihy esa n'kkZ;s vk/kkjksa ij fo}ku ftyk miHkksDrk vk;ksx ds vkyksP; fu.kZ; esa fdlh izdkj dk gLr{ksi djus dk dksbZ vk/kkj ugha ikrs A ifj.kkeLo:Ik vihykFkhZ&ifjoknh dh ;g vihy [kkfjt fd;s tkus ;ksX; ikbZ tkrh gS A vkns'k vihykFkhZ&ifjoknh uVoj yky }kjk izR;FkhZx.k&foi{khx.k ds fo:) izLrqr vihy [kkfjt dh tkrh gS rFkk fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] HkhyokM+k }kjk ifjokn izdj.k la[;k 179@2018 cmuoku uVoj yky cuke vk;qDr] deZpkjh Hkfo"; fuf/k laxBu o vU; esa ikfjr fu.kZ; fnuakd 14-02-2023 iq"V fd;k tkrk gS A vihy dk [kpkZ mHk;i{k viuk&viuk ogu djsxsa A 8 jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k 91@2023 uVojyky cuke vk;qDr] deZpkjh Hkfo"; fuf/k laxBu o vzU;
fu.kZ; dh ,d izfr ds lkFk v/khuLFk ftyk miHkksDrk vk;ksx dk fjdkWMZ okil ykSVk;k tkos A ¼fueZy flag esM+roky½ ¼vrqy dqekj pVthZ½ lnL; ¼U;kf;d½ ihBklhu lnL; ¼U;kf;d½ fVadj