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State Consumer Disputes Redressal Commission

Sbi Card Through Ceo vs Prabhat Shastri & Anr. on 29 March, 2017

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miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad%FA/2016/749 lafLFkr fnukad: 03.12.2016 ,l-ch-vkbZ- dkMZ] }kjk&lhbZvks eq[; dk;kZy;&Mh-,y-,Q-bufQVh VkWoj VkWoj&lh 10&12 ¶yksj fcYMax&3 Mh-,y-,Q lk;cj lhVh xqjxkao] gfj;k.kk&12200---vihykFkhZ@vukosnd dz-1 fo:) 1- izHkkr 'kkL=h vk- Lo- Jh ds-ds-'kkL=h mez % 55 o"kZ] fuoklh& edku ua- 6] lM+d ua- 15] lsDVj 09] fHkykbZ] rg- o ftyk nqxZ¼N-x-½ ---------mRrjoknh dz-1 @ifjoknh 2- is;w euh dkiksZjsV dk;kZy;&7 ¶yksj] iyZ VkWoj] IykWV ua- 51] bULVhV~;w'kuy ,fj;k] lsDVj&32] xqM+xkao] gfj;k.kk&122002 --------mRrjoknh dz-2 @vukosnd dz-2 le{k% ekuuh; U;k;ewfrZ Jh vkj-,l-'kekZ] v/;{k ekuuh; Jh Mh- ds- iksn~nkj] lnL;-

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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh lquhy iVsy] vf/koDrkA mRrjoknh dz-1 dh vksj ls Jh vuqjkx Bkdj] vf/koDrkA mRrjoknh dz-2 dh vksj ls Jh foIyo 'kekZ] vf/koDrkA vkns'k fnukad% 29@03@2017 }kjk%&ekuuh; Jh Mh- ds- iksn~nkj] lnL;

vihykFkhZ us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] nqx¼Z N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&16@497 **izHkkr 'kkL=h fo:) ,l-ch-vkbZ- dkMZ] o // 2 // vU;** esa ikfjr vkns'k fnukad& 04-11-2016 ftlds }kjk ifjoknh dh ifjokn dks Lohdkj dj vknsf'kr fd;k x;k gS fd%& ¼1½ vukosnd dz-1 ,oa 2 la;qDr ,oa vyx&vyx :i ls] ifjoknh dks 73]927-05@&:-¼frgRrj gtkj ukS lkS lRrkbZl :i;s ikap iSls½ vnk djsaxAs ¼2½ vukosnd dz-1 ,oa 2 la;qDr ,oa vyx&vyx :i ls] ifjoknh dks mDr jkf'k ij jkf'k vnk;xh fnukad 08-07-2015 ls Hkqxrku fnukad rd 9 izfr'kr okf"kZd dh nj ls C;kt Hkh iznku djsaA ¼3½ vukosnd dz-1 ,oa 2 la;qDr ,oa vyx&vyx :i ls] ifjoknh dks ekufld {kfriwfrZ ds :i esa 1]00]000@&:-¼,d yk[k :i;s½ vnk djsaxsA ¼4½ vukosnd dz-1 ,oa 2 la;qDr ,oa vyx&vyx :i ls] ifjoknh dks okn O;; ds :i esa 10]000@&:-¼nl gtkj :i;s½ Hkh vnk djsaxsA ls nqf[kr gksdj izLrqr fd;k gSA 2- mRrjoknh dz-1@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd mRrjoknh dz-1@ifjoknh dh iq=h dh ikapos lsesLVj dh Qhl fnukad 10-07-2015 rd tek dh tkuh Fkh] ;w-ih-bZ-,l- ¼University of Petroleum and Energy Studeies½ }kjk mRrjoknh dz- 2@vukosnd dz-2 ds ek/;e ls Hkh Qhl ysus dh O;oLFkk dh Fkh] tks MsfcV vkSj dzsfMV dkMZ nksuksa dks Lohdkj djrs FksA ikapos lsesLVj dh Qhl 73]000@&:-¼frgRrj gtkj :i;s½ tek dh tkuh Fkh] mRrjoknh dz-2@vukosnd dz-2 ds ek/;e ls mDr jkf'k dszfMV dkMZ ls ysus esa 927- 05@&:-¼ukS lkS lRrkbZl :i;s ikap iSls½ pktZ dh Hkh ns; FkkA vihykFkhZ@vukosnd dz-1 }kjk tkjh dszfMV dkMZ }kjk fnukad 08-07- 2015 dks mDr Qhl 73]000@&:- ¼frgRrj gtkj :i;ss½mRrjoknh dz- 2@vukosnd dz-2 ds ek/;e ls tek dh xbZ] Qhl dh jkf'k // 3 // 73]000@&:-¼frgRrj gtkj :i;ss½ rFkk mRrjoknh dz-2@vukosnd dz-2 }kjk fy;s tkus okys pktZ dh jkf'k 927-05@&:-¼ukS lkS lRrkbZl :i;s ikap iSls½ lfgr dqy 73]927-05@&:-¼frgRrj gtkj ukS lkS lRrkbZl :i;s ikap iSls½ mRrjoknh dz-1@ifjoknh ds dszfMV dkMZ ls MsfcV gks x;s] ijarq mRrjoknh dz-2@vukosnd dz-2 }kjk mRrjoknh dz-1@ifjoknh dks bZ&esy ds ek/;e ls lwfpr fd;k x;k fd mijksDr laO;okgj iw.kZ ugha gqvk gS] rc mRrjoknh dz-1@ifjoknh }kjk vihykFkhZ@vukosnd dz-1 ls f'kdk;r dh xbZ] ftl ij vihykFkhZ@vukosnd dz-1 }kjk fnukad 06-08-2015 dks mRrjoknh dz-1@ifjoknh dks 73]927-05@&:-¼frgRrj gtkj ukS lkS lRrkbZl :i;s ikap iSls½ dk VsEizsjh dszfMV fn;k x;kA tc laO;ogkj iwjk ugha vkSj Qhl tek djus dh vafre frfFk 10-07-2015 Fkh] mRrjoknh dz-1@ifjoknh dks vius cSad [kkrs ls 73]000@&:-¼frgRrj gtkj :i;s½ tek djus iMs+ vkSj tc mRrjoknh dz-1@ifjoknh dh iq=h dkyst xbZ rks mls tkudkjh gqbZ fd mRrjoknh dz-2@vukosnd dz-2 ds ek/;e ls Hkh mDr Qhl dh jkf'k 73]000@&:-¼frgRrj gtkj :i;ss½ fnukad 08-07-2015 dks dkyst esa izkIr gks pqdh gSA bl izdkj mijksDr dkj.kksa ls dkyst dks nks ckj Qhl izkIr gks xbZ] rc dkyst us mDr jkf'k mRrjoknh dz-2@vukosnd dz-2 dks okil dj nh] b/kj vihykFkhZ@vukosnd dz-1 us tks jkf'k VsEizsjh dszfMV dh Fkh] mRrjoknh dz- 1@ifjoknh ds [kkrs ls mDr jkf'k MsfcV dj yh] D;ksafd vihykFkhZ@vukosnd dz-1 }kjk mDr jkf'k okil ugha gksuk fn[kk;k x;k] bl rjg vfHkdfFkr jkf'k 73]927@&:-¼frgRrj gtkj ukS lkS lRrkbZl :i;s½ vukosndx.k }kjk ifjoknh ds [kkrs esa okil ugha ykSVkbZ xbZ vkSj uk gh vfoyEc mDr jkf'k dk lek;kstu vihykFkhZ@vukosnd dz-1 }kjk fd;k x;kA bl izdkj vihykFkhZ@vukosnd dz-1 us mDr jkf'k 73]927@&:-¼frgRrj gtkj ukS lkS lRrkbZl :i;s½ dks vius ikl j[kk] mldk dksbZ C;kt Hkh ugha fn;k] VsEizsjh dszfMV dh jde okil izkIr ugha gksuk crk dj iqu% MsfcV dj fy;k x;k] mDr jkf'k uk gh mRrjoknh dz-

// 4 // 1@ifjoknh dks nh xbZ] bl izdkj vukosndx.k dh feyhHkxr ds dkj.k mRrjoknh dz-1@ifjoknh dh vfHkdfFkr jkf'k vius ikl j[k fy;k] ftls okfil ugha dh xbZA vukosndx.k dk mijksDr d`R; lsok eas deh ,oa O;olkf;d dnkpj.k dh Js.kh esa vkrk gSA mRrjoknh dz-1@ifjoknh us mijksDr vk/kkj ij vius ifjokn i= ds dafMdk ^^10** esa of.kZr vuqlkj vuqrks"k fnyk;s tkus dk fuosnu fd;k gSA 3- mRrjoknh dz-1@ifjoknh }kjk vius i{k leFkZu esa ftyk Qksje ds le{k [kkrk dz- 10563913255 dh ikl cqd fnukad 09-07-2015 dh QksVksizfr] ¼nLrkost dz- ANX-A-1½] ,l-ch-vkbZ-eaFkyh LVsVesaV fnukad 04-08-2015 dh QksVksizfr¼nLrkost dz- ANX-A-2½] ,l-ch-vkbZ- eaFkyh LVsVesaV fnukad 04-09-2015 dh QksVksizfr ¼nLrkost dz- ANX-A-3½] ,l- ch-vkbZ- eaFkyh LVsVesaV fnukad 04-11-2015 dh QksVksizfr ¼nLrkost dz- ANX-A-4½] ,l-ch-vkbZ- eaFkyh LVsVesaV fnukad 04-02-2016 dh QksVksizfr ¼nLrkost dz- ANX-A-5½] vukosnd dz-2 }kjk Hkstk x;k esy fnukad 08-07-2015 dh QksVksizfr ¼nLrkost dz- ANX-A-6½] vkosnd ,oa vukosndx.k ds e/; esy ds ek/;e ls gq, i=kpkj fnukad 08-07-2015 ls 02-02-2016 dh QksVksizfr ¼nLrkost dz- ANX-A-7 ls ANX-A-11½]nLrkost izLrqr fd;k x;k gSA 4- vihykFkhZ@vukosnd dz-1] mRrjoknh dz-2@vukosnd dz-2 }kjk ftyk Qksje ds le{k izLrqr tokcnkok lR;kfir ugha gksus] izkf/kd`r vf/kdkjh dk uke o irk ugha gksus ij Qksje }kjk leqfpr volj fn;s tkus ds i'pkr~ Hkh vukosndx.k }kjk vfHkdfFkr tokcnkok dh [kkafe;ksa] =qfV;ksa dks lq/kkjs ugha tkus ds dkj.k tokcnkok ,oa lacaf/kr nLrkost izdj.k ds fujkdj.k gsrq i<k ugha x;k ,oa rnkuqlkj vknsf'kr fd;k x;k gSA // 5 // 5- ftyk Qksje us mRrjoknh dz-1@ifjoknh dh vksj ls izLrqr nLrkosth lk{;ksa ,oa 'kiFki=ksa ds ifj'khyu ds i'pkr~ mRrjoknh dz- 1@ifjoknh dk ifjokn] ;g fu"d"kZ fudkyrs gq, fd vukosndx.k us ?kksj lsok esa fuEurk vkSj O;olkf;d nqjkpj.k fd;k gS] Lohdkj djrs gq, Åij dafMdk 1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS] ftlds fo:) ;g vihy gSA 6- vihykFkhZ@vukosnd dz-1 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh lquhy iVsy dk rdZ gS fd ftyk Qksje }kjk fjdkMZ ij miyC/k nLrkost dk voyksdu fd;s fcuk euekus rjhds ls ok;qpkjh fu"d"kZ nsdj vkyksP; vkns'k ikfjr fd;k x;k gS tks fd ek= bl vk/kkj ij gh fujLr fd;s tkus ;ksX; gSA mRrjoknh dz-1@ifjoknh ds }kjk ekuuh; v/khuLFk Qksje ds le{k izLrqr ifjokn miHkksDrk laj{k.k vf/kfu;e 1986 dh /kkjk 11 ¼2½¼d½ ds izdk'k esa {ks=kf/kdkj ckf/kr gksus ls ek= bl vk/kkj ij gh fujLr fd;s tkus ;ksX; gksus ds ckotwn Hkh ftyk Qksje }kjk miHkksDrk laj{k.k vf/kfu;e 1986 dh /kkjk 11¼2½¼d½ ds fo:) vkyksP; vkns'k ikfjr fd;k x;k gS tks fd ek= bl vk/kkj ij gh fujLr fd;s tkus ;ksX; gSA ftyk Qksje }kjk ek= nqxZ ls Hkqxrku fd;s tkus ds vk/kkj ij gh izdj.k dks {ks=kf/kdkj Hkhrj ekuk x;k gS fd tcfd bl laca/k esa U;kf;d n`f"Vdks.k Hkh fcYdqy Li"V gksdj fdlh LFkku ls ek= Hkqxrku fd;s tkus ds vk/kkj ij gh fdlh ftyk miHkksDrk Qksje dks izdj.k dk fopkj.k djus dk {ks=kf/kdkj izkIr ugha gks tkrk gSA bl laca/k esa U;k;n`"Vkar pUnzk Vks;Vk cuke eSllZ tSu fcYMlZ 2014¼4½ lh-ih-vkj-132 ¼,ulh½ esa Li"V :i ls vo/kkfjr fd;k x;k gS fd ^^fdlh LFkku ls vk-Vh-th-ml- ds ek/;e ls /kujkf'k Hksts tkus ds vk/kkj ij fdlh Qksje dh LFkkuh; vf/kdkfjrk dk fu/kkZj.k ugha gksrk gS** vr% pwafd orZeku izdj.k ftyk Qksje }kjk ek= Hkqxrku ds vk/kkj ij gh izdj.k // 6 // dks {ks=kf/kdkj Hkhrj ekuus esa fof/k dh Hkwy djrs gq, vkyksP; vkns'k ikfjr fd;k x;k gS tks fd ek= bl vk/kkj ij gh gLr{kssi ;ksX; gksus ls fujLr fd;s tkus ;ksX; gSA tgka rd vihykFkhZ@vukosnd dz-1 ds }kjk mRrjoknh dz-1@ifjoknh dks gqbZ leL;k gsrq Rofjr dk;Zokgh fd;s tkus dk iz'u gS] vihykFkhZ@vukosnd dz-1 ds le{k mRrjoknh dz-1@ifjoknh ds }kjk Rofjr :i ls gh mRrjoknh dz-2@vukosnd dz-2 ls mDr laca/k esa laidZ dj mRrjoknh dz-1@ifjoknh dks laO;ogkj jkf'k okil djus gsr q dk;Zokgh dh xbZ FkhA rFkk mRrjoknh dz-1@ifjoknh ds [kkrs esa vLFkk;h :i ls jkf'k dzsfMV Hkh dh xbZ Fkh] fdarq mRrjoknh dz-2@vukosnd dz-2 ds }kjk mRrjoknh dz-1@ifjoknh ds mDr dkMZ laca/kh laO;ogkj dks oS/k ik;k tkuk crkrs gq, mDr laO;ogkj esa yh xbZ jkf'k mRrjoknh dz- 1@ifjoknh dks okil fd;s tkus ls badkj dj fn;k x;kA bl ij vihykFkhZ@vukosnd dz-1 ds }kjk mRrjoknh dz-1@ifjoknh dks mDr laca/k esa lwfpr Hkh fd;k x;k rFkk mRrjoknh dz-1@ifjoknh ds [kkrs esa vLFkk;h :i ls dszfMV dh xbZ jkf'k dks MsfcV fd;k x;k gSA bl izdkj Li"V gS fd vihykFkhZ@vukosnd dz-1 ds }kjk mRrjoknh dz-1@ifjoknh ds mDr laO;ogkj ds laca/k eas le{k dk;Zokgh dh xbZ gS] fdarq ftyk Qksje }kjk mDr rF;ksa ij /;ku ugha nsrs gq, euekus vk/kkjksa ij vkyksP; vkns'k ikfjr fd;k x;k gS tks fd fujLr fd;s tkus ;ksX; gSA vihykFkhZ@vukosnd dz-1 dk lknj fuosnu gS fd vihykFkhZ@vukosnd dz-1 ds }kjk mDr laca/k esa Rofjr dk;Zokgh dj u dsoy mRrjoknh dz- 2@vukosnd dz-2 dks mRrjoknh dz-1@ifjoknh ds [kkrs esa jkf'k dszfMV djus gsrq dgk x;k oju~ mDr laca/k esa vLFkk;h :i ls mRrjoknh dz- 1@ifjoknh ds [kkrs esa vLFkk;h :i ls mDr jkf'k dks dszfMV Hkh fd;k x;kA fdUrq tc mRrjoknh dz-2@vukosnd dz-2 ds }kjk mDr fuosnu dks vLohdkj dj fn;k x;k laO;ogkj oS/k ekurs gq, jkf'k fjQ.M djus ls badkj dj fn;k x;k] rc vihykFkhZ@vukosnd dz-1 ds }kjk mRrjoknh dz-1@ifjoknh dks mDr laca/k esa lwfpr Hkh fd;k x;k gSA bl izdkj // 7 // Li"V gS fd vihykFkhZ@vukosnd dz-1 ds }kjk mRrjoknh dz-1@ifjoknh ds izfr fdlh izdkj ls lsok esa dksbZ deh ugha dh xbZ gS] blds ckotwn Hkh ftyk Qksje }kjk fof/k fo:) tkdj vkyksP; vkns'k ikfjr fd;k x;k gS tks fd izFke n`"V;k gh gLr{ksi;ksX; gksdj fujLr fd;s tkus ;ksX; gSA vf/koDrk us mijksDr vk/kkj ij vihykFkhZ@vukosnd dz-1 dh vihy Lohdkj fd;s tkus ,oa mRrjoknh dz-1@ifjoknh dk ifjokn fujLr fd;s tkus dk fuosnu fd;k gSA 7- mRrjoknh dz-1@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vuqjkx Bkdj dk rdZ gS fd mRrjoknh dz-1@ifjoknh dk cpr [kkrk dzekad 10563913255 Hkkjrh; LVsV cSad 'kk[kk nqxZ esa gSA vihykFkhZ@vukosnd dz-1 ds deZpkfj;ksa }kjk mRrjoknh dz-1@ifjoknh ls mlds fuokl LFkku esa lEidZ dj ,l-ch-vkbZ- dkMZ dzekad 4377486939283881 dh lqfo/kk iznku dh xbZA mRrjoknh dz-1@ifjoknh dh iq=h ftl fo'ofo|ky; esa i<+rh Fkh ogkWa mRrjoknh dz-2@vukosnd dz-2 ds ek/;e ls Qhl ysus dh O;oLFkk Fkh mDr dzsfMV dkMZ ds ek/;e ls fnukad 08-07-2015 dks :-73]000@&¼frgRrj gtkj :i;s½ dh jkf'k :-927-05@&¼ukS lkS lRrkbZl :i;s½ pktZ ds lkFk mRrjoknh dz- 2@vukosnd dz-2 ds ek/;e ls Hkstk x;k tks fd laO;ogkj iw.kZ ugha gksus dh lwpuk nh xbZA pwafd Qhl tek djus dh vafre frfFk 10-07-2015 Fkh blfy, mRrjoknh dz-1@ifjoknh }kjk us¶V ds ek/;e ls ;qfuoflZVh dks jkf'k :-73]000@&¼frgRrj gtkj :i;s½ tek fd;k x;kA ijarq ckn esa tkudkjh feyh fd mRrjoknh dz-2@vukosnd dz-2 ds ek/;e ls izsf"kr jkf'k Hkh ;qfuoflZVh dks izkIr gks pqdh gSA mDr izkIr jkf'k dks ;qfuoflZVh }kjk fnukad 12-08-2015 dks request I.D. 2679876031 Bank Reference No. EVPC71573 ds }kjk okfir dh xbZ Fkh ftls mRrjoknh dz- 2@vukosnd dz-2 us izkIr dj fy;k gSA mDr jde mRrjoknh dz- 1@ifjoknh }kjk fnukad 06-07-2015 dks vihykFkhZ@vukosnd dz-1 ls // 8 // mRrjoknh dz-2@vukosnd dz-2 us izkIr dj fy;k gSA mDr jde mRrjoknh dz-1@ifjoknh }kjk fnukad 06-07-2015 dks vihykFkhZ@vukosnd dz-1 ls mRrjoknh dz-2@vukosnd dz-2 dks nh xbZ tks mu nksuksa ds chp gS mDr jkf'k u rks mRrjoknh dz-1@ifjoknh dks okil ykSVkbZ xbZ gS vkSj u gh mDr jkf'k dkyst ds ikl gSA vihykFkhZ@vukosnd dz-1 ,oa mRrjoknh dz-2@vukosnd dz-2 }kjk fefyHkxr dj mRrjoknh dz-1@ifjoknh dh jkf'k dks vius ikl j[k fy;k] ftls okil ugha dj jgs gSaA tks fd lsok esa deh dk d`R; gSA vf/koDrk us ftyk Qksje ds vkns'k dks U;k;ksfpr vkns'k fu:fir djrs gq, mls ;Fkkor cuk;s j[kus dk fuosnu fd;k gSA 8- mRrjoknh dz-2@vukosnd dz-2 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh foIyo 'kekZ us fyf[kr rdZ izLrqr dj ;g vk/kkj fy;k gS fd vihykFkhZ@vukosnd dz-1 ,d cSafdax laLFkku gS tks fd vius [kkrk /kkjdksa dks dszfMV dkMZ iznku djrh gS ,oa dzsfMV dkMZ ds ek/;e ls dz; djus dh lqfo/kk Hkh iznku djrh gS rFkk mRrjoknh dz- 2@vukosnd dz-2 daiuh vf/kfu;e ds v/khu ,d iathd`r daiuh gS tks fd fofHkUu O;olk; ,oa laLFkkuksa ds e/; gksus okys laO;ogkj esa bUVjusV ds ek/;e ls vkuykbu jde dk gLrkarj.k djrh gSA mRrjoknh dz- 1@ifjoknh dh iq=h ds ikapos lsesLVj dh Qhl 73]000@&:-¼frgRrj gtkj :i;s½ Fkh ,oa mDr jkf'k dks mRrjoknh dz-2@vukosnd dz-2 ds ek/;e ls vnk fd;s tkus ij 927@&:-¼ukS lkS lRrkbZl :i;s½ 'kqYd ns; FkkA mRrjoknh dz-1@ifjoknh dks 10 tqykbZ 2015 ds iwoZ ;g Kkr gqvk fd mlds }kjk vihykFkhZ@vukosnd dz-1 ,oa 2 ds ek/;e ls fd;k x;k laO;ogkj iw.kZ ugha gqvk gS rc mlds }kjk fnukad 10-07-2015 dks iqu% 73]000@&:-¼frgRrj gtkj :i;s½ tek dj fn;k x;kA bl e/; vihykFkhZ@vukosnd dz-1 cSad ds }kjk mRrjoknh dz-1@ifjoknh dks 73]000@&:-¼frgRrj gtkj :i;s½ dk VsEijsjh dszfMV fn;k Fkk ftls // 9 // tuojh 2016 esa okil MsfcV dj ysus ds i'pkr~ mRrjoknh dz-1@ifjoknh dks ;g tkudkjh gqbZ fd mlds }kjk ;wfuoflZVh dks nks volj ij fd;s x;s Hkqxrku esa ls ,d volj dk Hkqxrku rks ;wfuoflZVh dks izkIr gqvk fdarq nwljk Hkqxrku ;wfuoflZVh ds }kjk mRrjoknh dz-2@vukosnd dz-2 ds ek/;e ls okil dj fn;k x;k gSA bl laca/k esa mRrjoknh dz-1@ifjoknh }kjk vihykFkhZ@vukosnd dz-1 cSad ls i= O;ogkj fd;k x;k ,oa mlds ek/;e ls izsf"kr jkf'k 73]927@&:-¼frgRrj gtkj ukS lkS lRrkbZl :i;s½ dh ekax dh xbZ] ftlds izkIr ugha gksus ij mRrjoknh dz-1@ifjoknh ds }kjk ifjokn izLrqr fd;k x;k FkkA ftyk Qksje }kjk mRrjoknh dz- 2@vukosnd dz-2 ij =qfViw.kZ rjhds ls nkf;Ro dk vkjksi.k fd;k x;k gSA oLrqr% mRrjoknh dz-2@vukosnd dz-2 ds }kjk fdlh Hkh izdkj lsok esa fuEurk ugha dh xbZ FkhA izdj.k ds rF;ksa dk voyksdu djs rks ;g Kkr gksxk fd mRrjoknh dz-2@vukosnd dz-2 ds }kjk Qhl Hkqxrku dh vafre frfFk ds iwoZ gh mRrjoknh dz-1@ifjoknh dh iq=h ds ikapos lsesLVj dh Qhl dks UPES (University of Petroleum And Energy Studies) dkslZ ds ifjisz{; esa tek dj fn;k x;k FkkA vihykFkhZ@vukosnd dz-1 ds }kjk fcuk bl rF; dh tkap fd;s nksckjk Qhl tek dj fn, tkus ls ;wfuoflZVh ds }kjk mRrjoknh dz- 2@vukosnd dz-2 ds }kjk tek Qhl dks vku ykbu gh okil dj fn;k x;kA mRrjoknh dz-2@vukosnd dz-2 ds O;kikfjd laO;ogkj ds nkSjku leLr jde dk VªkalQj ,p-Mh-,Q-lh- cSad ds ek/;e ls fd;k tkrk gS ,oa pwafd mRrjoknh dz-2@vukosnd dz-2 ls cgqr ls VªkatsD'ku jkstkuk gksrs gS vr% mls tc rd vU; ek/;e ls u crk;k tkos ;g Kkr gksuk eqf'dy gksrk gS fd mlds ,p-Mh-,Q-lh-cSad ds [kkrs esa vk;k jde fdl fof'k"V O;fDr ds }kjk VªkalQj fd;k x;k gS ;g Hkh mRrjoknh dz- 2@vukosnd dz-2 dks dHkh Hkh u rks ;wfuoflZVh ds }kjk vkSj u gh vihykFkhZ@vukosnd dz-1 }kjk ;g crk;k x;k fd mlds [kkrs esa mDr 73]000@&:-¼frgRrj gtkj :i;s½ ;wfuoflZVh ds }kjk okil dj fn, // 10 // x;s gSA mRrjoknh dz-2@vukosnd dz-2 ,d daiuh gS tks fd Lo;a vius cSadj ,p-Mh-,Q-lh- cSad ds ek/;e ls leLr laO;ogkj djrh gS ;g Hkh fd vihykFkhZ@vukosnd dz-1 ds lkFk mRrjoknh dz-1@ifjoknh vFkok mRrjoknh dz-2@vukosnd dz-2 ds }kjk dHkh Hkh i= O;ogkj ds ek/;e ls vFkok fdlh vU; ek/;e ls ;g lwpuk ugha nh xbZ fd ;wfuoflZVh ds }kjk mRrjoknh dz-2@vukosnd dz-2 ds ek/;e ls mRrjoknh dz- 1@ifjoknh ds jde dks okil fd;k tk pqdk gSA pwafd mRrjoknh ds cgqr ls Cash Transaction gksrs gS vr% fcuk fdlh fof'k"V i=kpkj ds mRrjoknh dz-2@vukosnd dz-2 dks ;g tkudkjh ugha gks ldrh fd mlds cSad [kkrs esa vkbZ dksbZ fof'k"V jde fdl miHkksDrk dh gS ,oa mDr jde dks vkxs fdls iznku fd;k tkuk gSA ftyk Qksje }kjk bl rF; dh Hkh mis{kk dh xbZ gS fd mRrjoknh dz-2@vukosnd dz-2 ds lkFk u rks dHkh Hkh mRrjoknh dz-1@ifjoknh ds }kjk vkSj u gh vihykFkhZ@vukosnd dz-1 vFkok ;wfuoflZVh ds }kjk mDr jde dks okil fd;s tkus dk dksbZ i= O;ogkj ugha fd;k x;k gS ,slh fLFkfr esa vihykFkhZ daiuh ds Kku esa mDr jde ds okil vk tkus dh tkudkjh ugha gksus ls ifjokn nkf[ky gksus ds iwoZ mDr jde dh okilh le; ls ugha gks ikuk ,d ln~Hkkfod dkj.k gSA vf/koDrk us ftyk Qksje ds vkns'k dks vikLr dj mls nkf;Roksa ls eqDr fd;s tkus dk fuosnu 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 mRrjoknh dz-1@ifjoknh }kjk dzsfMV dkMZ ds ek/;e ls Hksts x;s Qhl dh jkf'k dks us¶V }kjk vyx ls Qhl tek djus ds dkj.k ,oa dkyst }kjk dszfMV dkMZ ds ek/;e ls izkIr Qhl ykSVk;s tkus ds ckn Hkh // 11 // mRrjoknh dz-1@ifjoknh dks vukosndx.k }kjk ugha ykSVk;k tkuk lsok esa deh dh Js.kh esa vkrk gS\ fujkdj.k fuEukuqlkj fd;k tk jgk gSA 11- vihykFkhZ@vukosnd dz-1 us vihy Kkiu ds dafMdk 4 esa izLrqr ifjokn dks {ks=kf/kdkj ckf/kr gksus ds vk/kkj ij fujLr fd;s tkus dk fuosnu fd;k gSA bl laca/k esa mRrjoknh dz-1@ifjoknh us vius ifjokn i= ds dafMdk 9 esa fuEukuqlkj mYys[k fd;k gS%& ^^9- ;g fd] vukosnd dz-1 laLFkku ds LFkkuh; izfrfuf/k@vf/kdkjh Hkkjrh; LVsV cSad] 'kk[kk xatikjk] nqxZ esa mifLFkr jgrs gSa ,oa dszfMV dkMZ iznku djus laca/kh dk;Z djrs gSaA vukosnd dz-1 }kjk vkosnd dks mlds fuokl LFkku fHkykbZ esa dszfMV dkMZ iznku fd;k x;k gSA vr% ekuuh; Qksje dks mijksDr izdj.k dh lquokbZ dk iw.kZ {ks=kf/kdkj izkIr gSA** mijksDr ds vkyksd esa ,oa tcfd mRrjoknh dz-1@ifjoknh dk cpr [kkrk Hkkjrh; LVsV cSad nqxZ esa fLFkr gS rFkk mRrjoknh dz- 1@ifjoknh dk vfHkdfFkr dzsfMV dkMZ mDr [kkrs ls tqM+k gqvk gS ,oa mlh [kkrs ls vihykFkhZ@vukosnd dz-1 ,oa mRrjoknh dz-2@vukosnd dz- 2 dks jkf'k izkIr gqbZ gS vr% bl ifjfLFkfr esa tcfd laO;ogkj dk vk/kkj nqxZ fLFkr cSad gS ge ftyk Qksje nqxZ dks izLrqr ifjokn ij lquokbZ dk {ks=kf/kdkj izkIr gS rFkk ftyk Qksje nqxZ dk {ks=kf/kdkj laca/kh fu"d"kZ mfpr gSA 12- mRrjoknh dz-1@ifjoknh us dFku fd;k gS fd mlus viuh iq=h dk dkyst Qhl :-73]000@& ¼frgRrj gtkj :i;s½ vihykFkhZ@vukosnd dz-1 ds dzsfMV dkMZ ls mRrjoknh dz-2@vukosnd dz-2 ds ek/;e ls ;qfuoflZVh dks fnukad 08-07-2015 dks izsf"kr fd;k Fkk tks fd laO;ogkj iw.kZ u gksus ds dkj.k ;qfuoflZVh rd ugha igqapk blfy, mlds }kjk us¶V ls mDr jkf'k vyx ls izsf"kr djuk iM+kA ckn esa irk pyk fd mDr jkf'k vihykFkhZ@vukosnd dz-1 ,oa mRrjoknh dz- 2@vukosnd dz-2 ds ek/;e ls ;qfuoflZVh dks izkIr gks x;k gS] ftlds // 12 // mijkar ;qfuoflZVh }kjk mDr jkf'k mRrjoknh dz-2@vukosnd dz-2 ds ek/;e ls mRrjoknh dz-1@ifjoknh dks Hkstk x;k tks vcrd mRrjoknh dz-1@ifjoknh dks izkIr ugha gqvk gSA mRrjoknh dz-1@ifjoknh us vius mijksDr dFku ds leFkZu esa vius [kkrs dk fooj.kh izLrqr fd;k gS] ftlesa fnukad 09-07-2015 dks us¶V ls :-73]005@&¼frgRrj gtkj :i;s½ ukesa n'kkZ;k x;k gSA mRrjoknh dz-1@ifjoknh us vius dzsfMV dkMZ ds ekfld fooj.kh izLrqr fd;k gS] ftlesa fnukad 08-07-2015 dks :-73]927-05@&¼frgRrj gtkj ukS lkS lRrkbZl :i;s ikap iSls½ ukesa nf'kZr gS rFkk fnukad 06-08-2015 dk tek nf'kZr gSA blh izdkj fnukad 10-10-2015 dks mDr jkf'k tek ukesa nksuksa iznf'kZr fd;k x;k gS ,oa fnukad 29-01-2016 dks iqu% mDr jkf'k ukesa esa iznf'kZr gks jgk gSA bl izdkj mDr jkf'k mRrjoknh dz-1@ifjoknh ds mDr fooj.kh esa vHkh Hkh ukesa esa iznf'kZr gS] tcfd mlh jkf'k dh ,d izfof"V tek esa vihykFkhZ@vukosnd dz-1 ,oa mRrjoknh dz-2@vukosnd dz-2 }kjk tek dj iznf'kZr djuk pkfg, FkkA bl rjg mDr jkf'k vihykFkhZ@vukosnd dz-1 ,oa mRrjoknh dz-2@vukosnd dz-2 }kjk tek ugha dh xbZ gSA 13- ftyk Qksje ds vfHkys[k ls Li"V gksrk gS fd vukosndx.k ftyk Qksje ds le{k mifLFkr gq,] ijarq lR;kfir tokcnkok ,oa 'kiFki= izLrqr ugha fd;k x;k gS ,oa leqfpr volj ds ckn Hkh mDr =qfV;ka ugha lq/kkjh xbZ gS bl ifjfLFkfr esa tcfd vukosndx.kksa }kjk izko/kkuksa ds vuqlkj tokcnkok izLrqr ugha fd;k x;k gS mRrjoknh dz-1@ifjoknh ds 'kiFkiwoZd dFku ,oa nLrkost ds vk/kkj ij ;g Lohdkj ;ksX; gS fd vihykFkhZ@vukosnd dz-1 ds cSad esa fLFkr mRrjoknh dz-1@ifjoknh ds lacaf/kr [kkrksa esa Qhl gsrq 2 ckj jkf'k ,d ckj us¶V ,oa nwljh ckj dszfMV dkMZ ls Hkqxrku fd;k tkuk fl) ikrs gSaA vihykFkhZ@vukosnd dz-1 us mRrjoknh dz-1@ifjoknh ds ,d ckj dzsfMV dkMZ ls izsf"kr jkf'k // 13 // dks okil izkIr djus ds fy, dksbZ iz;kl ugha fd;k gS tks fd lsok esa deh dh Js.kh esa vkrk gSA 14- izdj.k esa izLrqr bZesy tks fd mRrjoknh dz-1@ifjoknh }kjk izLrqr fd;k x;k gS esa fnukad 29-01-2016 dks ;qfuoflZVh ds vt; ds- ;kno }kjk mRrjoknh dz-2@vukosnd dz-2 ,oa mRrjoknh dz-2@vukosnd dz-2 ds Gursimar Anand dks ChargbBack ds laca/k esa fuosnu fd;k x;k gSA blh rjg fnukad 02-02-2016 dks ;qfuoflZVh ds vt; ds- ;kno }kjk fuEukuqlkj E mail fd;k x;k gS%& From: Ajay K.Yadav [mailto:[email protected]] Sent: Tuesday, February 02, 2016 1:36 AM To: [email protected] Cc: Sandeep Vasist<[email protected]>; Nitin Jain<[email protected]>; [email protected];[email protected];[email protected];PayU- Chargeback@ Subject:RE:RE:Transactiondispute<PayUID 368325834>(URGENT)[Support#1231376] Dear Kriti Refund is due to the customer, and need to be processed at the earliest. Mr Gursimar Anand (marked in the emial)knows about this transaction and he can guide you about it.

Regards Ajay K Yadav mijksDr E-mail ls Li"V gksrk gS fd ;qfuoflZVh }kjk mRrjoknh dz- 2@vukosnd dz-2 dks mDr jkf'k xzkgd dks okil djus gsrq lykg nh xbZ gSA mRrjoknh dz-2@vukosnd dz-2 ds }kjk vt; ds-;kno dks fuEukuqlkj bZesy fd;k x;k gS%& From: kriti Vaish[mailto:[email protected]] Sent:Tuesday, February 02,2016 10:55PM To:Ajay K.Yadav Cc:SandeepVasist;NitinJain;[email protected];[email protected]; [email protected];[email protected];[email protected] Subject:RE:RE:Transactiondispute<PayUID 368325834>{URGENT}[Support#1231376] // 14 // Hello Mr.Ajay, Thanks for your confirmation. We are advising the bank to credit the customer for the disputed transaction.

KRITI VAISH Assistant manager-Chargeback T:0124-6624 912 A: Pearl Building.4th Floor, Plot No. 51, Institutional Area, Sector-32,Gurgaon- 1220011 India WWW.Payu.in WWW.Payumoney.in mijksDr ls Li"V gS fd lacaf/kr cSad dks jkf'k tek djus dh lykg nsus dh ckr mRrjoknh dz-2@vukosnd dz-2 }kjk nh xbZ gSA mijksDr ds vkyksd esa mRrjoknh dz-2@vukosnd dz-2 ds }kjk fyf[kr rdZ ds dafMdk 19 tks fd fuEukuqlkj gS] esa tks tkudkjh nh xbZ gS fd%& ^^19- ;g fd ekuuh; fuEu U;k;ky; ds }kjk bl rF; dh Hkh mis{kk dh xbZ gS fd mRrjoknh dzeakd 2 ds lkFk u rks dHkh Hkh mRrjoknh dzekad 1 ds }kjk vkSj u gh vihykFkhZ vFkok ;wfuoflZVh ds }kjk mDr jde dks okil fd;s tkus dk dksbZ i= O;ogkj ugha fd;k x;k gS ,slh fLFkfr esa vihykFkhZ dEiuh ds Kku esa mDr jde ds okil vk tkus dh tkudkjh ugha gksus ls ifjokn nkf[ky gksus ds iwoZ mDr jde dh okilh le; ls ugha gks ikuk ,d

l)kfod dkj.k gS-** Lohdkj fd;s tkus ;ksX; ugha gS ,oa mijksDr bZesy i=kpkj ls fl) gksrk gS fd mRrjoknh dz-2@vukosnd dz-2 dks ;g ekywe gksus ds ckn fd mDr jde mRrjoknh dz-1@ifjoknh ds [kkrs esa vihykFkhZ@vukosnd dz-1 ds ek/;e ls tek djuk Fkk tek u dj lsok esa deh dk d`R; dkfjr fd;k gSA ftyk Qksje us vius vkns'k dh dafMdk 12 ls 17 esa mfpr gh fu"d"kZ fudkyk gSA ftyk Qksje us ekufld d"V ds fy, tks jkf'k fnyk;k gS og gekjs er esa vR;f/kd gS ftls :-50]000@&¼ipkl gtkj :i;s½ fd;k tkuk U;k;ksfpr gksxk rFkk okn O;; dh jkf'k :-5]000@&¼ikap gtkj :i;s½ fd;k tkuk U;k;ksfpr gksxkA vihykFkhZ@vukosnd dz-1 dh vihy vkaf'kd Lohdkj fd;s tkus ;ksX; gSA // 15 // 15- mi;qZDr foospuk ds ifjizs{; esa ge bl fu"d"kZ ij igqaprs gSa fd vukosndx.k }kjk mRrjoknh dz-1@ifjoknh ds dszfMV dkMZ ds }kjk izsf"kr Qhl dh jde u ykSVk dj lsok esa deh dk d`R; dkfjr fd;k x;k gSA vr,o ftyk Qksje us mDr jkf'k C;kt lfgr okil fnykus dk vkns'k fn;k gS og U;k;ksfpr gS ftyk Qksje us ekufld {kfriwfrZ ds fy, tks jkf'k fnykbZ gS og mijksDr dafMdk esa n'kkZ;s vuqlkj la'kksf/kr fd;s tkus ;ksX; gSa rnkuqlkj ftyk Qksje dk vkns'k mikarfjr fd;s tkus ;ksX; gSA 16- mijksDrkuqlkj vihykFkhZ@vukosnd dz-1 dh vihy vkaf'kd Lohdkj dh tkrh gSA ftyk Qksje us ekufld {kfriwfrZ ij :-

1]00]000@&¼,d yk[k :i;s½ vknsf'kr fd;k gS mlds LFkku ij :-
50]000@&¼ipkl gtkj :i;s½ ,oa okn O;; dh jkf'k :-10]000@&¼nl gtkj :i;s½ ds LFkku ij :-5]000@&¼ikap gtkj :i;s½ vnk djus dk vkns'k fn;k tkrk gSA ftyk Qksje dk 'ks"k vkns'k dafMdk 20¼1½ ,oa 20¼2½ dks ;Fkkor j[kk tkrk gS bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼Mh- ds- iksn~nkj½ ¼ujsUnz xqIrk½ v/;{k lnL; lnL;
  29@03@2017                     29@03@2017                 29@03@2017