State Consumer Disputes Redressal Commission
Cholamandalam Investment & Finance ... vs Dinesh Kumar Sahu on 8 March, 2017
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miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2016/579 lafLFkr fnukad: 03.10.2016 1- pksyke.Mye buosLVesaV ,.M Qk;usal daiuh fyfeVsM] 'kk[kk dk;kZy;&Mksj gkÅl uacj&2] ,u- ,l- lh- cksl jksM] iSjhl] psUubZ ¼rfeyukMq½ 2- pksyke.Mye buosLVesaV ,.M Qk;usal daiuh fyfeVsM] 'kk[kk dk;kZy;&cBsuk gkWfLiVy ds lkeus] Xkks;y dkEiysDl ds ikl] /kerjh ¼N-x-½ [email protected]
fo:) fnus'k dqekj lkgw vk- Jh dkfrZdjke] fuoklh&eMsyh] rglhy&dq:n] ftyk&/kerjh ¼N-x-½ ---------------------mRrjoknh@ifjoknh-- le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l-'kekZ] v/;{k-
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i{kdkjksa ds vf/koDrk vihykFkhZx.k dh vksj ls Jh jkds'k iqjh] vf/koDrkA mRrjoknh dh vksj ls Jh ,l- ,l- dq'kokgk] vf/koDrkA vkns'k fnukad% 08@03@2017 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k [email protected] us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] /kerjh ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&11@2013 fnus'k dqekj lkgw fo:} izca/kd] pksyke.Mye buosLVesaV ba';ksjsal ,.M Qk;usal daiuh fyfeVsM ,oa ,d vU; esa ikfjr vkns'k fnukad&03-08-2016 ftlds }kjk // 2 // mRrjoknh@ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& **1- ifjoknh okgu lhftax fnukad dks okgu ewY;kadu dh jkf'k yxHkx&1]73]000@&¼,d yk[k frgRrj gtkj :Ik;s½ esa ls mDr fnukad dks 'ks"k cdk;k ekfld fd'r dh dqy jkf'k dh dVkSrh mijkar vfr'ks"k (Defference) dh jkf'k dh izkfIr gsrq vf/kd`r gSA foi{kh i{kdkjx.k] ifjoknh dks nks ekg ds vUnj mDr vfr'ks"k (Defference) dh jkf'k dk Hkqxrku djsxkA ;fn mDr fnukad dks mijksDrkuqlkj vfr'ks"k (Defference) dh jkf'k okgu ewY;kadu jkf'k ls vf/kd gksrk gS rc ifjoknh] foi{kh i{kdkjx.k ls jkf'k dh izkfIr gsrq vf/kd`r ugha gksxkA 2- okn O;; 1]000@&¼,d gtkj :Ik;ss½ Lohdkj fd;k tkrk gSA** ls nqf[kr gksdj izLrqr fd;k gSA 02- mRrjoknh@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl++ izdkj jgk gS fd mRrjoknh@ifjoknh us [email protected] ls VªEi 15 okgu Qk;uasl djk;k Fkk ftldk batu ua-&Mh-30006485 ,oa okgu dzekad&lh-th- 04 tsM- lh-@0950 Fkk rFkk Qk;usal dh jkf'k&2]33]000@&¼nks yk[k rSarhl gtkj :Ik;s½ FkhA Qk;usal dh jkf'k vnk djus gsrq izfrekg fd'r dh jkf'k&7]006@&¼lkr gtkj N% :Ik;s½ fu/kkZfjr dh xbZ Fkh ftls izfrekg mRrjoknh@ifjoknh vnk dj jgk FkkA // 3 // mRrjoknh@ifjoknh }kjk dqy&1]05]090@&¼,d yk[k ikap gtkj uCcs :Ik;s½ [email protected] daiuh esa tek dj pqdk gS ftldk jlhn dz-&8741801 gSA mijksDr jkf'k mRrjoknh@ifjoknh us vihykFkhZ dz-2@vukosnd dz-2 ds ek/;e ls tek djk;k FkkA [email protected] ds deZpkjh jtuh'k frokjh us mRrjoknh@ifjoknh ds mDr okgu VªEi 15 dks fcuk fdlh iwoZ lwpuk ds lht dj fy;k ftldh dksbZ ikorh ugha nh xbZ tcfd Qk;usal daiuh dks fcuk fdlh iwoZ lwpuk ds lhftax ikWoj ugha gSA mDr d`R; dh fjiksVZ mRrjoknh@ifjoknh }kjk fcjs>j pkSdh esa fnukad&13-08-2012 dks dh xbZ Fkh ,oa [email protected] chek daiuh dks fnukad&23-08-2012 dks uksfVl izsf"kr dh xbZ Fkh ftldk dksbZ tokc [email protected] daiuh us ugha fn;k vkSj uk gh okgu dks okil fd;kA mRrjoknh@ifjoknh us [email protected] daiuh esa tkudkjh izkIr fd;k rks [email protected] daiuh }kjk crk;k x;k fd mDr okgu dks vU; O;fDr dks fodz; dj fn;k x;k gSA [email protected] daiuh us mRrjoknh@ifjoknh dks fnukad&13- 07-2012 dks ,d uksfVl izsf"kr fd;k Fkk fd Qk;usal dh jkf'k&1]75]206@&¼,d yk[k ipgRrj gtkj nks lkS N% :Ik;s½ 'ks"k gS tks fd xyr gSA mRrjoknh@ifjoknh us [email protected] dks uksfVl dk tokc nsrs gq, ;g Li"V fd;k Fkk fd mRrjoknh@ifjoknh fd'r dh jkf'k&7]006@&¼lkr gtkj N% :Ik;s½ dh nj ls dqy&15 fd'r tek dj pqdk gS vkSj vafre fd'r fnukad&30-07-2011 dks tek fd;k Fkk ftldk jlhn dz-&8741801 gSA okgu dk chek ikWfylh ,oa // 4 // vkj- lh- cqd Hkh [email protected] us vius ikl j[k fy;k gS] mRrjoknh@ifjoknh dks ugha fn;k gSA [email protected] daiuh us mRrjoknh@ifjoknh ls dqN psd Hkh izkIr dj fy;s Fks ftls ekaxus ij [email protected] daiuh }kjk nsus ls euk dj fn;k vkSj dgk fd gekjk dqN ugha fcxkM+ ldrs] geus rqEgkjh xkM+h dks csp fn;k gS tks djuk gS dj yksA [email protected] us mRrjoknh@ifjoknh dks uksfVl fn;k gS fd mRrjoknh@ifjoknh us 24-08-2012 dks [email protected] daiuh dks 1]82]386@&¼,d yk[k c;klh gtkj rhu lkS fN;klh :Ik;s½ dk psd fn;k gS tcfd mRrjoknh@ifjoknh us vius vf/koDrk ds }kjk [email protected] dks fnukad&23-08-2012 dks ,d uksfVl fn;k Fkk bl dkj.k daiuh dks psd nsus dk iz'u mRiUu ugha gksrk rFkk tc [email protected] us okgu dks fodz; dj fn;k gS rks mRrjoknh@ifjoknh] [email protected] dks fdl dkj.k ls psd nsxkA mRrjoknh@ifjoknh us mDr okgu vius Lo;a ds futh mi;ksx ds fy, [kjhnk Fkk ijUrq [email protected] daiuh }kjk mDr okgu dks lht dj fy;s tkus ls mRrjoknh@ifjoknh dks vR;f/kd vkfFkZd] ekufld ,oa 'kkjhfjd {kfr;ksa dk lkeuk djuk iM+ jgk gS ftlds dkj.k mRrjoknh@ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% mRrjoknh@ifjoknh dks ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA // 5 // 03- [email protected] dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vkifRr fd;k x;k gS fd ftyk Qksje] /kerjh dks lquokbZ dk {ks=kf/kdkj izkIr ugha gSA mRrjoknh@ifjoknh] miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr **miHkksDrk** ugha gSA [email protected] ,oa mRrjoknh@ifjoknh ds e/; yksu de gkbZiksfFkds'ku ,xzhesaV fu"ikfnr gqvk Fkk ftlds DykWt&29 ds vuqlkj izdj.k dh lquokbZ dk {ks=kf/kdkj Arbitration and Conciliation Act, 1996, ij mYysf[kr izko/kku ds vuqlkj gSA mRrjoknh@ifjoknh us [email protected] ls okgu dzekad&lh-th- 04 tsM-lh-@0950 dks dz; djus gsrq _.k fy;k FkkA [email protected] daiuh vf/kfu;e] 1956] ds varxZr ukWu cSafdax Qk;usal diauh gSA [email protected] }kjk yksu Qk;usal fd;k tkrk gSA mRrjoknh@ifjoknh us fu;fer ekfld fd'r jkf'k dk Hkqxrku ugha fd;k Fkk tcfd mRrjoknh@ifjoknh ,oa [email protected] ds e/; lafonk fu"ikfnr gqvk Fkk vkSj mRrjoknh@ifjoknh us mDr lafonk dk mYya?ku fd;k gSA [email protected] us mRrjoknh@ifjoknh dks okgu ds fd'r dh 'ks"k jkf'k dk Hkqxrku djus gsrq vusd ckj lwpuk&i= tkjh fd;k Fkk mlds ckn Hkh mRrjoknh@ifjoknh }kjk fd'r dh jkf'k dk Hkqxrku ugha fd;k x;k ftlds dkj.k Fkkuk dks lwpuk nsus ds ckn okgu dk vkf/kiR; izkIr fd;k x;k gSA [email protected] }kjk lsok esa dksbZ deh ugha fd;k x;k gSA mRrjoknh@ifjoknh dksbZ vuqrks"k izkIr djus dk vkf/kdkjh ugha gSA vr% ifjokn lO;; fujLr fd;k tkosA // 6 // 04- mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k viksyks vf/koDrk uksfVl fnukad&23-08-2012 (Annexure-1)] izkfIr Lohd`fr jlhn (Annexure-2)] fd'r tek fooj.k (Annexure-3)] eksVj ba';ksjsal dOgj uksV (Annexure-4)] [email protected] }kjk mRrjoknh@ifjoknh dks izsf"kr vf/koDrk uksfVl fnukad&05-10-2012 (Annexure-5)] fd'r tek jlhn fnukad&30-07-2011 (Annexure-6)] mRrjoknh@ifjoknh }kjk Fkkus eas nh xbZ lwpuk fnukad&13-08-2012 (Annexure-7)] fMfyojh pkyku fnukad&04-10-2010 (Annexure-8) dh Nk;kizfr izLrqr fd;k gSA 05- [email protected] dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k yksu ,xzhesaV fnukad&16-11-2010] LVsVesaV vkWQ ,dkÅ.V] [email protected] }kjk mRrjoknh@ifjoknh dks izsf"kr vf/koDrk uksfVl] [email protected] }kjk mRrjoknh@ifjoknh dks izsf"kr vafre i= fnukad&15-12-2011] Fkkus dks nh xbZ izh lhtj uksfVl fnukad&29-12-2011] buosaVjh fyLV fnukad&29-12-2011] Fkkus dks nh xbZ iksLV lhtj uksfVl fnukad&29-12-2011] [email protected] }kjk mRrjoknh@ifjoknh dks izsf"kr i= fnukad&03-01-2012 dh Nk;kizfr rFkk LVsVesaV vkWQ ,dkÅ.V dh izekf.kr izfr izLrqr fd;k gSA 06- mHk;i{k }kjk izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ ftyk Qksje us vkns'k ikfjr djrs gq, mRrjoknh@ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:} ;g vihy gSA // 7 // 07- [email protected] dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh jkds'k iqjh dk rdZ gS fd ftyk Qksje dk vkns'k =qfViw.kZ gSA ftyk Qksje us vius vkyksP; vkns'k dh dafMdk&11 esa ;g ekuk gS fd [email protected] dks okgu dk vkf/kiR; ysus dk vf/kdkj gS mlds ckn Hkh jkf'k iznku fd;s tkus dk vkns'k iznku fd;k gS vkSj lkFk esa okn O;; fnyk;k gS tks fd =qfViw.kZ gSA mRrjoknh@ifjoknh }kjk fd'r dh jkf'k dk Hkqxrku ugha fd;k x;k blfy, mRrjoknh@ifjoknh dks lwpuk&i= izsf"kr fd;k x;k Fkk vkSj mlds ckn okgu dk vkf/kiR; izkIr fd;k x;k gS vkSj ftldh lwpuk Fkkus dks nh xbZ FkhA pwafd mRrjoknh@ifjoknh dsoy iathd`r Lokeh gS vkSj okgu dk okLrfod vkf/kiR; ,oa LokfeRo Qk;usal daiuh dk jgrk gS blfy, Qk;usal daiuh dks okgu dk vkf/kiR; ysus dk vf/kdkj gS vkSj okgu fof/kor~ tIr fd;k x;k gSA Jh jkds'k iqjh dk ;g Hkh rdZ gS fd bl izdj.k esa ,xzhesaV ds vuqlkj vkfcZVsª'ku [k.M gS vkSj blfy, Arbitration and Conciliation Act, 1996, ds izko/kku ds QyLo:Ik ftyk Qksje dks ifjokn dh lquokbZ dk {ks=kf/kdkj ugha gS] ijUrq ftyk Qksje us bu rF;ksa dks fopkj esa ugha fy;k gS blfy, Hkh ifjokn fujLrh ;ksX; gSA mRrjoknh@ifjoknh okgu dk mi;ksx O;olkfld Ikz;kstu ds fy, dj jgk Fkk blfy, og **miHkksDrk** ugha gS vkSj ;g fookn **miHkksDrk fookn** ugha gS] blfy, Hkh ifjokn fujLrh ;ksX; gSA vr% [email protected] dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr djrs gq, ifjokn fujLr fd;k tkosA // 8 // 08- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ,l- ,l- dq'kokgk dk rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% mfpr gSA mRrjoknh@ifjoknh }kjk laiw.kZ fd'r dh jkf'k tek dj fn;k x;k gS mlds ckn Hkh okgu dks fof/k fo:} :Ik ls tIr fd;k x;k gSA [email protected] dh vihy lkjghu gS] vr% fujLr fd;k tkosA 09- 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 10- tgka rd vkfcZVsª'ku [k.M dk laca/k gS] ml ij fopkj fd;k tk jgk gSA 11- /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 micU/k rRle; izo`Rr fdlh vU; fof/k ds mica/kksa ds vfrfjDr gksaxs u fd mlds vYihdj.k esaA** 12- 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 // 9 // 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 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.
// 10 // 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."
13- 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 // 11 // 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".
14- bl izdj.k esa [email protected] us ,xzhesaV ds 'krZ ds vuqlkj izdj.k dks vkfcZVsª'ku dks izsf"kr fd;k gS ;k ugha] bl laca/k esa dksbZ lk{; ugha gS vkSj uk gh [email protected] }kjk vokMZ dh izfr izLrqr fd;k x;k gS vkSj bl izdkj ;g lkfcr ugha gksrk gS fd ifjokn izLrqr djus ds iwoZ izdj.k vkfcZVsªVj dks lanfHkZr fd;k x;k gS vkSj ;fn mRrjoknh@ifjoknh ds fy, nks Qksjeksa esa mipkj miyC/k gS rks // 12 // fdlh ,d Qksje dk og p;u dj ldrk gS vkSj pwafd bl izdj.k esa [email protected] }kjk izdj.k dks vkfcZVsªVj dks lanfHkZr ugha fd;k x;k gS] ,slh fLFkfr esa mRrjoknh@ifjoknh dks miHkksDrk Qksje ds le{k /kkjk&3 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ifjokn lafLFkr djus dk vf/kdkj izkIr gS vkSj ftyk Qksje ds le{k ifjokn la/kkj.kh; gSA 15- vc ;g ns[kuk gS fd D;k mRrjoknh@ifjoknh **miHkksDrk** gS\ 16- mRrjoknh@ifjoknh us vius ifjokn&i= esa ;g vfHkopu fd;k gS fd mlus vihykFkhZ dz-1@vukosnd dz-1 ds foRrh; lgk;rk ls okgu dks dz; fd;k FkkA [email protected] daiuh dh vksj ls ;g vfHkopu fd;k x;k gS fd okgu dk O;olkf;d iz;kstu fd;k tk jgk gS] ijUrq bl laca/k esa [email protected] }kjk dksbZ lk{; izLrqr ugha fd;k x;k gS vkSj uk gh ,slk dksbZ lk{; is'k gS fd mDr okgu ds vfrfjDr mRrjoknh@ifjoknh ds ikl vU; dksbZ okgu Fkk vkSj ,slh fLFkfr esa dsoy okgu pkyd ds }kjk pyok;k x;k Fkk rks ;g ugha dgk tk ldrk fd og O;olkf;d iz;kstu ds fy, FkkA ,slh fLFkfr esa ugha dgk tk ldrk fd okgu dk mi;ksx O;olkf;d iz;kstu ds fy, fd;k tk jgk FkkA 17- mRrjoknh@ifjoknh us ;g vfHkopu fd;k gS fd mlus okgu dks vihykFkhZ dz-1@vukosnd dz-1 ds ikl ls Qk;usal djok;k Fkk vkSj mlds ckn okgu dks dz; fd;k Fkk vkSj ftlds fd'r dh jkf'k // 13 // mRrjoknh@ifjoknh }kjk fu;fer vnk dh tk jgh FkhA bl izdkj Li"V gS fd mRrjoknh@ifjoknh }kjk [email protected] dks jkf'k dk Hkqxrku fd;k x;k gS vkSj okgu dz; fd;k x;k gSA ,slh fLFkfr esa mRrjoknh@ifjoknh] [email protected] dk **miHkksDrk** gS vkSj [email protected] **lsok iznkrk** gSaA 18- vc ;g ns[kuk gS fd D;k [email protected] us oS/k :Ik ls okgu dks mRrjoknh@ifjoknh ds vkf/kiR; ls tIr fd;k gS\ 19- mRrjoknh@ifjoknh us vius ifjokn&i= esa ;g crkus dk Ikz;kl fd;k gS fd mlus fd'r dh laiw.kZ jkf'k tek dj fn;k gS] ijUrq [email protected] dh vksj ls LVsVesaV vkWQ ,dkÅ.V izLrqr fd;k x;k gS vkSj lkFk esa lwpuk&i= Hkh izLrqr fd;k x;k gS vkSj ,xzheasV ,oa tks lwpuk&i= izLrqr fd;k x;k gS mlesa mRrjoknh@ifjoknh ds [kkrs esa 2]21]441@&¼nks yk[k bDdhl gtkj pkj lkS bdpkyhl :Ik;s½ vkÅV LVsafMax crk;k x;k gS vkSj tks LVsVesaV vkWQ ,dkÅ.V gS mlesa Hkh mDr jkf'k dks ns; gksuk crk;k x;k gS vkSj okLro esa mRrjoknh@ifjoknh }kjk laiw.kZ jkf'k tek fd;k x;k gS ;k ugha] ;g lkfcr djus dk Hkkj mRrjoknh@ifjoknh ij Fkk ijUrq mRrjoknh@ifjoknh }kjk ,slk dksbZ nLrkost izLrqr ugha fd;k x;k gS ftlls izdV gks fd mlds }kjk laiw.kZ fd'r dh jkf'k vnk dj nh xbZ gSA // 14 // 20- ftyk Qksje us vius vkyksP; vkns'k dh dafMdk&11 esa ;g fu"d"kZ fudkyk gS fd **foi{kh i{kdkj dks okgu dk vkf/kiR; ysus dk vf/kdkj gS vkSj foi{kh i{kdkj] ifjoknh ls cdk;k jkf'k dh izkfIr gsrq vf/kd`r gSA** bl izdkj ftyk Qksje us Hkh ;g fu"d"kZ fudkyk gS fd okgu dh tIrh fof/kor~ :Ik ls dh xbZ gSA [email protected] dh vksj ls ,d nLrkost izLrqr fd;k x;k gS tks fd lwpuk&i= fnukad&29-12-2011 gS vkSj ftlesa mRrjoknh@ifjoknh dks mlds [kkrs esa jde cdk;k gksus vkSj jkf'k tek djus gsrq lwpuk&i= izsf"kr fd;k x;k gS rFkk ,d lwpuk&i= fnukad&29-12-2014 dks fn;k x;k gSA fnukad&03-01-2012 dks Hkh lwpuk&i= izsf"kr fd;k x;k Fkk ftlesa 2]21]441@&¼nks yk[k bDdhl gtkj pkj lkS bdpkyhl :Ik;s½ cdk;k gksuk crk;k x;k gS vkSj [email protected] dh vksj ls fnukad&29-12-2014 dks Fkkuk izHkkjh] Fkkuk fVdjkikjk dks Hkh lwfpr fd;k x;k gS ftlesa okgu tIrh ds laca/k esa mYys[k fd;k x;k gSA 21- Suryapal Singh v. Siddha Vinayak Motors & Anr., III (2012) CPJ 4 (SC), esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "2. This Court vide its judgment in Trilok Singh & Ors. v. Satya Deo Tripathi, AIR 1979 SC 850, has categorically held that under the Hire Purchase Agreement, the financier is real owner of the vehicle, therefore, there cannot be any allegation against him for having the possession of the vehicle. This view was again reiterated in K.A. Mathai @ Babu & Anr. v. Kora // 15 // Bibbikutty & Anr., 1996 (7) SCC 212; Jagdish Chandra Nijhawan v. S.K. Saraf, IX (1998) SLT 477 = IV (1998) CCR 118 (SC) = 1999 (1) SCC 119; Charanjit Singh Chadha & Ors. v. Sudhir Mehra, VI (2001) SLT 883 = III (2001) CCR 232 (SC) = 2001 (7) SCC 417, following the earlier judgment of this Court in Sundaram Finance Ltd. v. The State of Kerala & Anr., AIR 1966 SC 1178; Smt. Lalmuni Devi v. State of Bihar & Ors., I (2001) SLT 26 = I (2001) CCR 9 (SC) = 2001 (2) SCC 17 and Balwinder Singh v. Asstt. Commissioner, V (2005) SLT 195 = III (2005) CCR 8 (SC) = CCE 2005 (4) SCC 146."
22. Pramod Kumar Rai v. Shriram Transport Finance Co. Ltd., III (2012) CPJ 553 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "3. Learned Counsel for the petitioner argued that the petitioner is a poor person. When we asked whether he was ready to deposit the instalments in three months, he wanted another one month to deposit the above said three instalments. It is, thus, clear that the petitioner has no intention to pay off the loan. The but and ben stand set up by the petitioner cannot produce the desired result.
4. Again, it is well settled that as per agreement, the respondent, finance company is well within its right to seize the said truck. This view is supported by National Commission in the case of Surendra Kumar Agrawal v. Telco Finance Limited & Anr., II (2010) CPJ 163 (NC)."
// 16 //
23. Shriram Transport Finance Co. Ltd. and Anr. v. Mr. Chaman Lal., 2012 (4) CPR 75 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "6. .........Hon'ble Supreme Court has recently in Suryapal Singh v. Siddha Vinayak Motors and Anr., II (2012) CPJ 8 (SC) held :
"Under the Hire Purchase Agreement, it is the financier who is the owner of the vehicle and the person who takes the loan retain the vehicle only as a bailee / trustee, therefore, taking possession of the vehicle on the ground of non-payment of instalment has always been upheld to be a legal right of the financier. This Court vide its judgment in Trilok Singh & Ors. v. Satya Deo Tripathi, AIR 1979 SC 850, has categorically held that under the Hire Purchase Agreement, the financier is real owner of the vehicle, therefore, there cannot be any allegation against him for having the possession of the vehicle. This view was again reiterated in K.A. Mathai @ Babu & Anr. v. Kora Bibbikutty & Anr., 1996 (7) SCC 212; Jagdish Chandra Nijhawan v. S.K. Saraf, IX (1998) SLT 477 = IV (1998) CCR 118 (SC) = 1999 (1) SCC 119; Charanjit Singh Chadha & Ors. v. Sudhir Mehra, VI (2001) SLT 883 = III (2001) CCR 232 (SC) = 2001 (7) SCC 417, following the earlier judgment of this Court in Sundaram Finance Ltd. v. The State of Kerala & Anr., AIR 1966 SC 1178; Smt. Lalmuni Devi v. State of Bihar & Ors., I (2001) SLT 26 = I (2001) CCR 9 (SC) = 2001 (2) SCC 17 and Balwinder Singh v. Asstt. Commissioner, V (2005) SLT 195 = III (2005) CCR 8 (SC) = CCE 2005 (4) SCC 146."
// 17 //
24. Magma Fincorp Ltd. v. Sh. Subhankar Singh, I (2013) CPJ 27 (NC) , esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "9. It is apparent that the learned Counsel for the respondent has raised copious objections merely for the sake of cavil. Notice dated 16.6.2009 has been placed on record. It is clear that he did not pay the instalments for the months of April, May and June. He also did not pay delay payment charges, total being Rs.59,246/-. Notice dated 11.7.2009, reveals that the said amount stood enhanced to Rs.80,050/-. Payment of one instalment in the month of July is no compliance of the terms and conditions of the agreement, placed before this Commission. There was no need to give the notice. The petitioner Company could have no moto taken the possession of the vehicle. The relevant extracts of the agreement reads, as under :-
"14. Events of default rights and remedies Thereon : (i) in case the Hirer/s shall during the continuance of this Agreement do or suffer one or more of the following :
Fail to pay in time any of the hire instalments or part thereof herein reserved or any other sum of money payable under this agreement. To (p) xxxxxxxxx (ii). (a) xxxxx (b) MAGMA SHRACHI shall be entitled to take possession of the said assets(s)/vehicle(s) and sell and/or cause to be sold or otherwise dispose of all or any part of the said asset(s)/vehicle(s) or any fittings thereof in such manner and/or made as prescribed more fully and particularly in appendix "A" hereto and apply the net sale proceeds of such sale in or towards liquidation of the amount outstanding due to MAGMA SHRACHI from the said // 18 // hirer(s) as on the date of such sale. It, therefore means that there was no need to give notice, however, the petitioner gave two notices in this respect".
11. The National Commission, in case reported in Surendra Kumar Agrawal v. Telco Finance Ltd. & Anr., II (2010) CPJ 163 (NC), Hon'ble Mr. Justice Ashok Bhan, President, was pleased to hold as under :-
6. Aggrieved by the order passed by the District Forum petitioner filed the Appeal before the State Commission. The State Commission relying upon the judgment of Hon'ble Supreme Court of India in Managing Director Orix Auto Finance (India) Ltd. Vs. Sh.
Jagmandar Singh & Anr. reported in 127 (2006) DLT 278 (SC) = II (2006) BC 108 (SC) = II (2006) SLT 166 = II (2007) CPJ 45 (SC) = (2006) 1 SCC 708, dismissed the Appeal. It was held that no settlement of account showing details of repayment of loan installments is filed by the petitioner/complainant. That the petitioner had defaulted several times. That the said judgment of the Apex Court has clearly endorsed the rights of the finance in respect of repossessing the vehicles in case of default by the hirer.
7. xxxxx
8. xxxxx
9. It is not disputed before us that the petitioner had raised a loan of Rs.6,15,000/- to purchase the truck. No statement of account showing repayment of loan instalments has been filed by the petitioner. It was // 19 // admitted before the State Commission that the petitioner had defaulted several times in making the payment on the date when it was due. Further it is not disputed that as per Hire Purchase Agreement the financier was authorized to repossess the vehicle in case of default in repayment of loan instalments. Supreme Court of India in Managing Director Orix Auto Finance (India) Limited case (supra) has held that the financier can repossess the vehicle if the agreement permits the financier to take possession of financed vehicle. There is nothing to show that the vehicle was repossessed forcibly. Mere fact that possession was taken by the respondents cannot be the ground to contend that the hirer is prejudiced. We agree with the view taken by the State Commission".
25- pwafd yksu ,xzhesaV ds varxZr tc rc fd _.k dh vnk;xh ugha gks tkrk gS] okgu dk OkkLrfod Lokeh Qk;usa'kj gh cuk jgrk gS vkSj mls okgu dk iqu% vkf/kiR; ysus dk vf/kdkj gS vkSj bl izdj.k esa mRrjoknh@ifjoknh dks fof/kor~ lwpuk izsf"kr fd;k x;k Fkk vkSj lwpuk nsus ds Ik'pkr~ gh okgu dk vkf/kiR; izkIr fd;k x;k gS vkSj ,slh fLFkfr esa ;g ugha ekuk tk ldrk gS fd [email protected] us okgu dk vkf/kiR; fof/k fo:} <ax ls izkIr fd;k gS vkSj okgu dk vkf/kiR; ysdj [email protected] }kjk fdlh izdkj dh lsok esa dksbZ deh ugha fd;k gS vkSj uk gh vuqfpr O;kikj izFkk fd;k gSA ftyk Qksje us ;g fu"d"kZ fudkyk gS fd [email protected] }kjk mfpr :Ik ls okgu dks tIr fd;k x;k gS rFkk ;g Hkh fu"d"kZ fudkyk gS fd // 20 // mRrjoknh@ifjoknh ds [kkrs esa jkf'k vkÅV LVsafMax gSA ,slh fLFkfr esa ftyk Qksje us tks vuqrks"k iznku fd;k gS og fLFkj j[ks tkus ;ksX; ugha gSA 26- mijksDr foospuk ds ifjizs{; esa [email protected] dh vihy Lohdkj fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&03-08-2016 vikLr fd;k tkrk gSA ifj.kker% mRrjoknh@ifjoknh dk ifjokn fujLr fd;k tkrk gSA bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼Mh- ds- iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL; lnL;
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