State Consumer Disputes Redressal Commission
Rajendra Shiware vs Rajeet Kumar Virendra on 16 February, 2016
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miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2015/484 lafLFkr fnukad: 20.10.2015 jktsUnz f'kokjs firk Jh d`ikjke f'kokjs] mez&52 o"kZ] irk xzke o iksLV&[kksiyh] Fkkuk&mrbZ] rglhy o ftyk&nqxZ ¼N-x-½ [email protected] _.kh-
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh vt; 'kekZ] vf/koDrkA mRrjoknh dh vksj ls Jh vkj- ds- Hkkoukuh] vf/koDrkA vkns'k fnukad% 16@02@2016 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k [email protected] _.kh us ;g vihy /kkjk&27 d miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] nqxZ ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds fu"iknu izdj.k dzekad&05@2013 jathr dqekj fo:) jktsUnz f'kokjs esa ikfjr vkns'k fnukad&21-08-2015 ftlds }kjk [email protected] _.kh ds fo:) fxj¶rkjh okjaV tkjh fd;s tkus dk vkns'k ikfjr fd;k gS] ls nqf[kr gksdj izLrqr fd;k gSA // 2 // 02- [email protected] _.kh dh vihy laf{kIr esa bl izdkj gS fd mRrjoknh@fMdzh/kkjh us /kkjk&12 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr [email protected] _.kh ds fo:) ifjokn izdj.k dzekad&24@2012 lafLFkr fd;k Fkk vkSj ftlesa vkns'k fnukad&28-06- 2012 ds }kjk ftyk Qksje us ;g vknsf'kr fd;k Fkk fd%& **1- vkns'k fnukad ls ,d ekg ds Hkhrj vukosnd }kjk ifjoknh dks 1]00]000@&¼,d yk[k :Ik;s½ vnk djsA 2- mDr jkf'k ij fnukad&10-02-2005 ls ifjokn izLrqfr fnukad&16-01-2012 rd 07 izfr'kr okf"kZd C;kt Hkh vukosnd }kjk vnk fd;k tkosA 3- vukosnd] ifjoknh dks ekufld d"V gsrq 1]000@&¼,d gtkj :Ik;s½ Hkh vnk djsA 4- ifjoknh dk okn O;; 1]000@&¼,d gtkj :Ik;s½ Lohdkj fd;k tkrk gS] ftls vukosnd }kjk vnk fd;k tk;sxkA** mRrjoknh@fMdzh/kkjh ds }kjk /kkjk&24 , miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr vkosnu izLrqr fd;k Fkk ijUrq ftyk Qksje us mRrjoknh@fMdzh/kkjh ds vkosnu ij fopkj fd, fcuk gh] tcfd mRrjoknh@fMdzh/kkjh dk ifjokn ifjlhek vof/k ls ckf/kr Fkk] vkyksP; vkns'k ikfjr fd;k gS vkSj mlds vk/kkj ij mRrjoknh@fMdzh/kkjh }kjk [email protected] _.kh ds fo:) /kkjk&27 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr vkosnu&i= izLrqr fd;k x;k ftlesa fnukad&21-08- 2015 dks [email protected] _.kh ds fo:) fxj¶rkjh okjaV tkjh fd;k x;k gS ftlds fo:) ;g vihy gSA 03- [email protected] _.kh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vt; 'kekZ dk ;g rdZ gS fd mRrjoknh@fMdzh/kkjh }kjk fpV QaM Ldhe ds rgr jkf'k tek fd;k x;k Fkk vkSj ,slh fLFkfr esa // 3 // /kkjk&64 fpVQaM vf/kfu;e] 1982] ds v/khu dsoy iath;d fpVQaM ds }kjk gh izdj.k dk fopkj.k fd;k tk ldrk gSA ftyk Qksje dks ifjokn esa laKku ysus dh vf/kdkfjrk ugha Fkh rFkk mRrjokfnuh@fMdzh/kkjh }kjk fnukad&10-02-2005 esa jkf'k dk Hkqxrku fd;k x;k Fkk] tcfd ifjokn fnukad&16-01-2012 dks lafLFkr fd;k Fkk tks fd ifjlhek vof/k ls ckf/kr Fkk vkSj ftyk Qksje dks blh vk/kkj ij ifjokn fujLr djuk pkfg, FkkA mlh izdkj mRrjoknh@fMdzh/kkjh us 01 ekg ds Hkhrj fu"iknu izdj.k izLrqr ugha fd;k gS blfy, Hkh fu"iknu vkosnu ifjlhek vof/k ls ckf/kr gS vkSj fujLrh ;ksX; gS ijUrq ftyk Qksje us bu lc rF;ksa dks fopkj ugha fd;k gS rFkk NRrhlx<+ lgdkjh lkslk;Vh vf/kfu;e] 1960 dh /kkjk&60 ¼1½ ¼x½ ds izko/kku ds rgr Hkh dsoy jftLVªkj] lkslk;Vh ds le{k dk;Zokgh dh tk ldrh gS vkSj ftyk Qksje dks ifjokn esa laKku ysus dk {ks=kf/kdkj ugha gS vkSj blh vk/kkj ij ifjokn fujLrh ;ksX; gSA vr% [email protected] _.kh dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA [email protected] _.kh dh vksj ls bl laca/k esa Sarwan Kumar and Another Vs. Madan Lal Aggarwal (2003) 4 SCC 147 ,oa State Bank of India Vs. B. S. Agricultural Industries (2009) 5 SCC 121 dk voyacu fy;k gSA 04- mRrjoknh@fMdzh/kkjh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vkj- ds- Hkkoukuh dk ;g rdZ gS fd [email protected] _.kh us ftyk Qksje }kjk ifjokn izdj.k dzekad&24@2012 esa ikfjr vkns'k fnukad&28-06-2012 ds fo:) fdlh izdkj dh vihy ugha fd;k Fkk vkSj bl izdkj og vkns'k vafre gks pqdk gS vkSj ,slh fLFkfr esa [email protected] _.kh dks fu"iknu izdj.k esa mDr vkns'k dh oS/krk dks pqukSrh nsus dk vf/kdkj ugha gS rFkk ftyk Qksje us mRrjoknh@fMdzh/kkjh // 4 // ds ifjokn dks Lohdkj djrs gq, vkyksP; vkns'k ikfjr fd;k gS vkSj blfy, [email protected] _.kh }kjk foyac ds laca/k esa fu"iknu vkosnu esa vk{ksi ugha dj ldrk gSA mRrjokfnuh@fMdzh/kkjh }kjk /kkjk&24 d miHkksDrk laj{k.k vf/kfu;e] 1986] ds rgr vkosnu izLrqr fd;k x;k Fkk vkSj mlds ckn gh ifjokn Lohdkj fd;k x;k gS vkSj pwafd mDr vkns'k dks pqukSrh [email protected] _.kh }kjk ugha fn;k x;k gS blfy, vc [email protected] _.kh fu"iknu izdj.k esa tks vkyksP; vkns'k ikfjr fd;k x;k gS] mlds fo:) lafLFkr vihy esa xq.k&nks"k ij vk{ksi ugha dj ldrk gSA tgka rd fu"iknu vkosnu foyac ls lafLFkr gqvk gS ;k ugha] bl laca/k esa [email protected] _.kh fu"iknu U;k;ky; ds le{k gh vkifRr dj ldrk gS ijUrq ogka fdlh izdkj dh vkifRr ugha fd;k x;k gS vkSj blfy, vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k ;Fkkor~ j[kk tkosA 05- geus mHk;i{k ds fo)ku vf/koDrkx.k ds rdZ ds ifjizs{; esa fopkj fd;k rFkk ftyk Qksje ds vfHkys[k dk Hkh ifj'khyu fd;kA 06- vfHkys[k ds ifj'khyu ls ;g izdV gksrk gS fd mRrjoknh@fMdzh/kkjh jathr dqekj fojsUnz us [email protected] _.kh ds fo:) ,d ifjokn izdj.k dzekad&24@2012 lafLFkr fd;k Fkk rFkk ifjokn&i= ds ifj'khyu ls Li"V gS fd [email protected] _.kh lar f'kjksef.k laLFkk] ckucjn dk lapkyd Fkk vkSj fpVQaM Ldhe ds rgr miHkksDrkvksa ls jde izkIr dj mUgsa 15% ekfld C;kt dh nj ls miHkksDrkvksa }kjk tek dh xbZ jkf'k dks okil djus dk dk;Z lapkfyr fd;k tkrk FkkA bl izdkj Li"V gS fd [email protected] _.kh }kjk fpVQaM Ldhe ds rgr dk;Zokgh fd;k x;k FkkA // 5 // 07- Sarwan Kumar and Another Vs. Madan Lal Aggarwal (Supra) esa ekuuh; loksZP; U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "17. ...........
"26. Thus it is settled law that normally a decree passed by a court of competent jurisdiction, after adjudication on merits of the rights of the parties, operates as res judicata in a subsequent suit or proceedings and binds the parties or the persons claiming right, title or interest from the parties. Its validity should be assailed only in an appeal or revision as the case may be. In subsequent proceedings its validity cannot be questioned. A decree passed by a court without jurisdiction over the subject-matter or on other grounds which goes to the root of its exercise or jurisdiction, lacks inherent jurisdiction. It is a coram non judice. A decree passed by such a court is a nullity and is non est. Its invalidity can be set up whenever it is sought to be enforced or is acted upon as a foundation for a right, even at the stage of execution or in collateral proceedings. The defect of jurisdiction strikes at the authority of the court to pass a decree which cannot be cured by consent or waiver of the party."
08- vc ;g ns[kuk gS fd D;k okLro esa ftyk Qksje }kjk ikfjr vkyksP; vkns'k {ks=kf/kdkj ls ijs ikfjr vkns'k gS\ 09- Kovilakam Chits and Financial Service Ltd. Vs. K. L. Benny III (2003) CPJ 87 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "C.P.A., 1986, was not in force in 1982, whereas opposite is true. The intent of the legislation is clear that remedy under C.P.A. was in addition to any law in force at that time. The provision of subsequent // 6 // legislation i.e. CPA in such a situation shall override the provision of older Statute i.e., Chit Fund Act, 1982.
Seeing from another angle, it is pertinent to note that Section 64 (3) bars the jurisdiction of Civil Court whereas the Consumer Forums have been held to be not a Civil Court. In veiw of above without going into this controversy of orders passed by Tamil Nadu State Commission we have no hesitation in holding that Chit Fund cases fall very much within the ambit of Consumer Forums and Chit Fund falls within the definition of service as defined in Section 2 (1)
(o) of C.P.A.. Order of State Commission cannot be faulted on this ground. This being the sole point raised before us, we find no merit in the plea taken by the appellant before us. This appeal has no merit, hence dismissed. No order as to costs."
10- Narinder Kumar & Ors. Vs. Sanjive Kumar III (2001) CPJ 27 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "3. It cannot be disputed that the Registrar could arbitrate on the dispute as mentioned in Clauses (a) and (b) of Sub-section (1) of Section 64 of the Chit Fund Act and the present case could be said to be covered under those provisions. Under Section 3 of the Consumer Protection Act, 1986 (Act) provisions of the Act are in addition to and not in derogation of the provisions of any other law for the time being in force. There is nothing in Section 64 of the Chit Fund Act which bars the jurisdiction of District Forum, State Commission or National Commission under the Consumer Protection Act. The bar is on the Civil Court. The concept of Civil Court is well understood. The Forum under the Consumer Protection Act is not a Civil Court thought it has trappings of Civil Court. It is a quasi-judicial body. The Act is benevolent legislation and its Provisions are to be given liberal consideration. We cannot put restriction on the jurisdiction of the Forum established under the Act not to decide disputes arising under the Chit Fund Act, 1982 in view of Sub-section (3) of Section 64 of that Act, though the Consumer Protection Act does not make changes in the // 7 // law. We, therefore, reject the contention of the petitioners that forum under the Consumer Protection Act is prohibited from taking cognizance of any dispute arising under the Chit Fund Act, 1982, and that the dispute could be entertained by Registrar under that Act relating to dispute covered by Section 64 of that Act."
11- A. V. Sreedharan Vs. M. V. Narayanan IV (2012) CPJ 684 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Chit Funds- Amount paid as monthly subscription- Refusal to return the amount after prescribed period- Deficiency in service"
12- bl laca/k esa A. Prakash Vs. Udaya Sree Chit Fund Company Nizamebad II (2010) CPJ 191 (NC) Hkh voyacuh; gSA 13- mijksDr U;k; n`"Vkarksa ds ifjizs{; esa Li"V mRrjoknh@fMdzh/kkjh] /kkjk&2 ¼1½ ¼Mh½ miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr **miHkksDrk** dh Js.kh esa vkrk gS vkSj /kkjk&3 miHkksDrk laj{k.k vf/kfu;e] 1986] ds izko/kku ds ifjizs{; esa ftyk Qksje dks ifjokn ij laKku ysus dk {ks=kf/kdkj izkIr Fkk vkSj blfy, ;g ugha dgk tk ldrk fd ftyk Qksje us {ks=kf/kdkj ls ijs tkdj vkns'k ikfjr fd;k gSA 14- [email protected] _.kh dh vksj ls ;g crkus dk iz;kl fd;k x;k gS fd dks&vkWijsfVo lkslk;Vh ,DV ds varxZr Hkh ftyk Qksje dks {ks=kf/kdkj izkIr ugha FkkA [email protected] _.kh dk mDr rdZ Lohdkj fd;s tkus ;ksX; ugha gSA // 8 // 15- bl laca/k esa Smt. Kalawati and Others vs. United Vaish Cooperative Thrift and Credit Society Ltd. 2002 CTJ 477 (CP) (NCDRC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "10............... He can certainly if occasion arises, proceed against the society raising a dispute.. In the case of Neela Vasant Raje v. Amough Industries & Anr. 1993 CTJ 840 (CP) = 1986-95 Consumer 446 this Commission had taken a view that with reference to Section 2(1)(d) of Consumer Protection Act that where a company or a firm invites deposits from the public for the purpose of using money for its business on promise of giving attractive rates of interest with security of investment and prompt repayment of the principal after the stipulated term the transaction of such a nature would clearly make the depositor a 'consumer' under Consumer Protection Act. This Commission also observed that the definition of the expression 'service' was couched in the widest possible language and it expressly covered 'service of any description' other than any service rendered 'free of charge' or 'under a contract of personal service.' Thus we hold that complainants were certainly consumers and could maintain their complaints in the District Forum.
16. M.D. Orissa Cooperative Housing Corporation Ltd. vs K.S. Sudarsan, 2002 CTJ 875 (CP) (NCDRC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "5. The question before us is not as to whether the dispute in the present case, is covered under the Orissa Cooperative Societies Act. For the sake of argument, we will assume that the dispute before us also falls within the jurisdiction of the authority provided under the said Cooperative Societies Act. But, considering the provisions of Section 3 of the Consumer Protection Act we find that it has been worded in the widest terms and leaves no one in any doubt about the remedies under the Consumer Protection Act being in addition to and not in derogation of any other law for the time being in force.
// 9 // Therefore, even if any other Act provides for any remedy to a litigant but, does not bar the jurisdiction of the fora under the Act, it will be open to the litigant to go to District Forum or State Commission as the case may be and seek his remedy under this Act. For a under this Act are not civil courts even though they have the trappings of a civil court.
8. This question has come up before this Commission for consideration in the case of 'Smt. Kalawati & Ors. Vs. M/s. United Vaish Cooperative Thrift & Credit Society Ltd., Revision Petition Nos.823 to 826 of 2001 reported at 2002 CTJ 477 (CP) wherein after considering the argument of the parties it was held that the fora created under the Consumer Protection Act are not civil court and the jurisdiction was not barred. In the light of that, we feel that the objection to the jurisdiction has no merit and has to be rejected."
17- bl izdkj ;g Li"V gS fd mRrjoknh@fMdzh/kkjh us fpQQaM Ldhe ds varxZr tks jkf'k dk Hkqxrku fd;k Fkk mls 15% okf"kZd C;kt dh nj ls okil fd;k tkuk Fkk ijUrq [email protected] _.kh }kjk jkf'k okil ugha fd;k x;k vkSj bl izdkj ;g Li"V gS fd mRrjoknh@fMdzh/kkjh **miHkksDrk** dh Js.kh esa vkrk gS vkSj ,slh fLFkfr esa ftyk Qksje us ifjokn esa laKku ysdj fdlh izdkj ls {ks=kf/kdkj ls ijs tkdj vkns'k ikfjr ugha fd;k gS vkSj pwafd [email protected] _.kh us ftyk Qksje }kjk ikfjr ewy vkns'k ds fo:) dksbZ vihy ugha fd;k gS vkSj og vkns'k vafre gks pqdk gSA ,slh fLFkfr esa fu"iknu dk;Zokgh esa [email protected] _.kh dks {ks=kf/kdkj ,oa xq.k&nks"k ds vk/kkj ij ftyk Qksje }kjk ikfjr vkyksP; vkns'k dks pqukSrh nsus dk vf/kdkj miyC/k ugha gS vkSj fu"iknu U;k;ky; fMdzh ds ihNs tkdj dk;Zokgh ugha dj ldrk gSA // 10 // 18- tgka rd fu"iknu vkosnu ifjlhek vof/k ls ckf/kr gS] ;g vk{ksi [email protected] _.kh fu"iknu U;k;ky; ds le{k gh mBk ldrk gS vkSj fcuk fu"iknu U;k;ky; }kjk fujkd`r fd, vihy ij fopkj.k fd;k tkuk mfpr ugha gS vkSj ,slh fLFkfr esa [email protected] _.kh us ftu U;k; n`"Vkarksa dk voyacu fy;k gS] mlds rF; bl izdj.k ds rF; ls fHkUu gSA 19- mijksDr foospuk ds ifjizs{; esa pwafd [email protected] _.kh us ftyk Qksje }kjk ifjokn izdj.k dzekad&24@2012 esa ikfjr vkns'k fnukad&28-06-2012 ds fo:) dksbZ vihy lafLFkr ugha fd;k gS vkSj og vafre gks pqdk gS rFkk mDr vkns'k ds ikyu ds laca/k esa gh /kkjk&27 miHkksDrk laj{k.k vf/kfu;e] 1986] dk vkosnu mRrjoknh@fMdzh/kkjh }kjk lafLFkr fd;k x;k gS rFkk ftyk Qksje ds vkns'k i=koyh ds ifj'khyu ls Li"V gS fd [email protected] _.kh }kjk jkf'k dk Hkqxrku ugha fd;k x;k gS vkSj blfy, [email protected] _.kh ds fo:) ftyk Qksje us tks vkns'k ikfjr fd;k gS mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gSA 20- vr% [email protected] _.kh dh vksj ls izLrqr vihy lkjghu gksus ls fujLr fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&21-08-2015 dh iqf"V dh tkrh gSA bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj- ,l- 'kekZ½ ¼lqJh fguk BDdj½ ¼Mh- ds- iksn~nkj½ v/;{k lnL;k lnL;
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