State Consumer Disputes Redressal Commission
Mahindra & Mahindra Financial Services ... vs Deepak Mandal & Ors. on 14 March, 2018
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rglhy o Fkkuk&ia[kktqj]
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i{kdkjksa ds vf/koDrk vihykFkhZx.k dh vksj ls Jh jkds'k iqjh] vf/koDrkA mRrjoknh dz-1 dh vksj ls Jh vkj- ds- Hkkoukuh] vf/koDrkA mRrjoknh dz-2 dh vksj ls Jh lquhy xksLokeh] vf/koDrkA mRrjoknh dz- 3 vuqifLFkrA // 2 // vkns'k fnukad% 14@03@2018 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZx.k@vukosnd dz-1 ls 3 us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds rgr ftyk miHkksDrk fookn izfrrks"k.k Qksje] cLrj] LFkku dkadsj ¼N-x-½ ¼ftls vkxs laf{kIr esa **ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&lh-lh-@ 09@2014 esa ikfjr vkns'k fnukad&10-08-2017 ftlds }kjk ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& **1- ifjoknh _.k lqfo/kk ij dz; fd, x, okgu efgUnzk VsªDVj ekWMy ua-&605 baftu ua- ,oa psfpl ua-&N.C.M.U. 498 iath;u dzekad&C.G.19G/1903 ds vU;= fodz; dj fn, tkus ls mDr okgu dh dher&5]94]135@&¼ikap yk[k pkSjkucs gtkj ,d lkS iSarhl :Ik;s½ vukosnd dz-1 ls 3 ls izkIr djus dk vf/kdkjh gSA 2- ekufld {kfr ds ,ot esa 30]000@&¼rhl gtkj :Ik;s½ ifjoknh] vukosnd dz-1 ls 3 ls izkIr djsxkA 3- mDr jde vkns'k fnukad ls 30 fnol ds vanj ns;
gksxkA 4- ifjokn izLrqfr fnukad ls mDr jde izkIr djus ls ifjoknh oafpr jgk gS] vr% mDr jde ij ifjokn izLrqfr fnukad ls 6 izfr'kr lk/kkj.k okf"kZd C;kt ns; gksxkA 5- fu;r vof/k esa mDr jkf'k dk Hkqxrku ugha fd, tkus ij okn izLrqfr fnukad ls 9 izfr'kr lk/kkj.k okf"kZd C;kt mDr jkf'k ij ns; gksxkA 6- ifjoknh dk ifjokn O;; 2]000@&¼nks gtkj :Ik;s½ fo- i{k dz-1 ls 3 vius okn O;; ds lkFk ogu djsaxsA** // 3 // 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 ifjoknh us vukosnd dz-4 ls efgUnzk VsªDVj ekWMy ua-&605 ftldk baftu ua- ,oa psfpl ua-&N.C.M.U. 498 iath;u dzekad&C.G.19G/1903 gS dks 4]00]000@&¼pkj yk[k :Ik;s½ ekftZu euh dk Hkqxrku dj 'ks"k jkf'k&4]15]000@&¼pkj yk[k iUnzg gtkj :Ik;s½ dks vukosnd daz-1 ls 3 ls Qk;usal djkdj fnukad&30-11-2011 dks dz; fd;k Fkk ftldk Qk;usal ,xzhesaV ua-&183870 gSA ifjoknh dks mDr okgu dh dher 8]15]000@&¼vkB yk[k iUnzg gtkj :Ik;s½ crk;k x;k FkkA ifjoknh us mDr Qk;usal dh jkf'k fu/kkZfjr fd'r vuqlkj fu;fer :Ik ls vukosnd dz-1 iznhi pkSjfl;k ds ikl tek djrk jgk gSA ifjoknh us fnukad&15-12-2011 dks 22]800@&¼ckbZl gtkj vkB lkS :Ik;s½] fnukad&25-01-2012 dks 22]850@&¼ckbZl gtkj vkB lkS ipkl :Ik;s½] fnukad&29-02-2012 dks 14]000@&¼pkSng gtkj :Ik;s½] fnukad&09-06-2012 dks 15]000@&¼iUnzg gtkj :Ik;s½] fnukad&12-06- 2013 dks 35]000@&¼iSarhl gtkj :Ik;s½] fnukad&21-06-2012 dks 50]000@&¼ipkl gtkj :Ik;s½] fnukad&04-07-2013 dks 18]000@&¼vV~Bkjg gtkj :Ik;s½] fnukad&23-07-2012 dks 39]800@&¼mupkyhl gtkj vkB lkS :Ik;s½] fnukad&10-10-2012 dks 27]000@&¼lRrkbZl gtkj :Ik;s½ rFkk 20]000@&¼chl gtkj :Ik;s½] 8]100@&¼vkB gtkj ,d lkS :Ik;s½] 18]000@&¼vV~Bkjg gtkj :Ik;s½] 18]000@&¼vV~Bkjg gtkj :Ik;s½] 24]000@&¼pkSchl gtkj :Ik;s½] // 4 // 50]000@&¼ipkl gtkj :Ik;s½] fnukad&17-06-2013 dks 17]000@&¼l=g gtkj :Ik;s½ tek fd;k x;k ftldh jlhn vukosnd dz-1 }kjk ugha fn;k x;kA bl izdkj ifjoknh }kjk Qk;usal jkf'k&4]45]000@&¼pkj yk[k iSarkyhl gtkj :i;s½ ,oa vukosnd dz-4 dks ekftZu euh ds :Ik esa 4]00]000@&¼pkj yk[k :Ik;s½ dk Hkqxrku fd;k tk pqdk gSA ifjoknh us vukosnd dz-1 ls 3 ls tek dh xbZ jkf'k dk fooj.k ekaxk fdUrq vukosnd dz-1 }kjk fdlh izdkj dk fooj.k ugha fn;k x;k ftlds dkj.k ifjoknh us vU; fd'r dk Hkqxrku ugha fd;k ftlds QyLo:Ik vukosnd dz-1 ls 3 us fcuk fdlh iwoZ lwpuk ds ifjoknh ds mDr okgu VsªDVj dks fnukad&18-02-2014 dks mBkdj ys x;s vkSj fcuk fdlh tkudkjh ds euekus rkSj ij de dher esa ia[kktqj fuoklh ckcyw dqjS'kh dks fodz; dj fn;s] tcfd ifjoknh }kjk mDr okgu ds ,ot esa dqy 8]45]000@&¼vkB yk[k iSarkyhl gtkj :Ik;s½ vnk dj pqdk gSA vukosndx.k }kjk ifjoknh dks ijs'kku djus ,oa {kfr igaqpkus dh fu;r ls mDr okgu ds vkj- lh- cqd esa u;s dzsrk ckcyw dqjS'kh dk uke la'kks/ku ugha djk;k x;k gS vkSj ckcyw dqjS'kh }kjk mDr okgu ds mi;ksx ds nkSjku fnukad&16-08-2014 dks mlds pkyd jkek xkf<+;k us ykijokghiwoZd pykdj nq?kZVuk dkfjr dj fn;s tkus ls lat; eka>h uked O;fDr dh e`R;q gks xbZ ftlds fof/kd okfjlksa ds }kjk {kfriwfrZ gsr q vij eksVj nq?kZVuk nkokf/kdj.k] Hkkuqizrkiiqj ds U;k;ky; esa dqy 23]85]000@&¼rsbZl yk[k ipkl gtkj :Ik;s½ dk nkok izLrqr fd;k x;k gS ftlesa ifjoknh dks crkSj okgu Lokeh ds :Ik esa uksfVl tkjh fd;k // 5 // x;k gS vkSj mDr nkok esa ifjoknh dks csotg vukosndx.k ds ykijokgh ,oa vuqfpr d`R; ds fy;s vuko';d :Ik ls U;k;ky;hu dk;Zokgh dk lkeuk djuk iM+ jgk gS rFkk ifjoknh dk le; ,oa /ku viO;; gks jgk gSA ifjoknh }kjk vukosndx.k dks vius vf/koDrk ds ek/;e ls uksfVl izsf"kr fd;k ftldk vukosndx.k }kjk dksbZ tokc ugha fn;k x;k ftlds dkj.k ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03- vihykFkhZx.k@vukosnd dz-1 ls 3 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vkifRr fd;k x;k gS fd vuqca/k&i= ds vuqlkj Qksje dks ifjokn dh lquokbZ dk {ks=kf/kdkj izkIr ugha gS rFkk eqEcbZ fLFkr U;k;ky; dks gh izdj.k ds fujkdj.k dk {ks=kf/kdkj izkIr gS rFkk fdlh Hkh izdkj ds fookn ds fy, e/;LFkrk dk izko/kku j[kk x;k gS] blfy, Hkh Qksje dks lquokbZ dk +{ks=kf/kdkj izkIr ugha gSA vukosndx.k }kjk vuqca/k&i= dh dafMdk&26 ds iz;kstu esa ifjoknh ds fo:} dk;Zokgh djrs gq, fnukad&13-01-2014 dks _.k ds laiw.kZ Hkqxrku gsrq jhdkWy lwpuk i= fn;k x;k ,oa ifjoknh dks fu;r le;kof/k esa Hkqxrku uk djus dh n'kk esa fiz;k dzLVks dks e/;LFk fu;qDr fd;k x;k ftldk izdj.k dzekad&lh-th-@2014@610 gS ftlesa e/;LFk }kjk ifjoknh ds fo:} fnukad&15-04-2014 dks vokMZ ikfjr fd;k x;k gS ftlds dkj.k ifjoknh dk ifjokn vukosnd dz-1 ls 3 ds fo:} izpyu ;ksX; ugha gSA vukosnd dz-1 ls 3 daiuh vf/kfu;e ds varxZr xfBr ,d iathd`r Qk;usal daiuh gS tks fd fofHkUu izdkj ds okguksa dks dz; djus // 6 // gsrq ek= foRrh; lqfo/kk iznRr djus dk dk;Z djrh gS uk fd fdlh izdkj ds okguksa dks fodz; ;k fuekZ.k djus dk dk;Z djrh gS rFkk vukosnd dz-1 ls 3 ,oa vukosnd dz-4 dk dk;Z{ks= Hkh vyx&vyx gS vkSj vukosnd dz-4 ds fdlh dk;Z ds fy, vukosnd dz-1 ls 3 nkf;Rok/khu ugha gSA ifjoknh }kjk vukosnd dz-1 ls 3 ls jkf'k olwyh laca/kh vuqrks"k pkgk gS tks fd miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr izpyu ;ksX; ugha gS rFkk ifjoknh vkSj vukosnd dz-3 daiuh ds e/; vkil esa miHkksDrk ds laca/k ugha gS rFkk izdj.k esa i{kdkjksa dk dqla;kstu gS] vr% ifjoknh dk ifjokn fujLrh ;ksX; gSA ifjoknh us vukosnd dz-1 ls 3 daiuh ls iz'uxr okgu dz; djus grq _.k lqfo/kk izkIr dh FkhA ifjoknh us vukosnd dz-1 ls ,d efgUnzk VsªDVj 605 vtqZu Mkstj lfgr dz; fd;s tkus gsrq fuosnu fd;k Fkk ftls Lohdkj djrs gq, vukosnd dz-1 us ifjoknh dks fnukad&30-11-2011 dks 5]50]000@&¼ikap yk[k ipkl gtkj :Ik;s½ dk _.k Lohd`r dj iznku fd;k Fkk ftl ij 1]90]200@&¼,d yk[k uCcs gtkj nks lkS :Ik;s½ foRrh; izHkkj gksdj dqy jkf'k dk Hkqxrku ifjoknh dks fcuk dksbZ pwd dkfjr fd, 7]40]200@&¼lkr yk[k pkyhl gtkj nks lkS :Ik;s½ izfrekg ds fglkc ls 33 fd'rksa esa ftlds vuqlkj ,d fd'r 9]000@&¼ukS gtkj :Ik;s½ rFkk 'ks"k fd'rsa 22]250@&¼ckbZl gtkj nks lkS ipkl :Ik;s½ ds fglkc ls fnukad&31-07-2014 rd izfrekg dh 25 rkjh[k dks vko';d :Ik ls vnk fd;k tkuk Fkk ftl gsrq ifjoknh ,oa vukosnd dz-1 ls 3 ds e/; fnukad&30-11-2011 dks vuqca/k&i= dzekad&1833870 dk fu"iknu gqvk // 7 // Fkk ftldh leLr 'krksZa dks Lohdkj djrs gq, ifjoknh us vuqca/k&i= gLrk{kfjr dj fu"ikfnr fd;k FkkA ifjoknh }kjk dz; fd, x, mDr VsªDVj dk ewY; 8]50]000@&¼vkB yk[k ipkl gtkj :Ik;s½ FkkA ifjoknh us vukosnd dz-1 o 2 dks fnukad&15-12-2011 dks 22]850@&¼ckbZl gtkj vkB lkS ipkl :Ik;s½] fnukad&25-01-2012 dks 22]850@&¼ckbZl gtkj vkB lkS ipkl :Ik;s½] fnukad&26-03-2012 dks 25]000@&¼iPphl gtkj :Ik;s½] fnukad&09-06-2012 dks 15]000@&¼iUnzg gtkj :Ik;s½] fnukad&21-06-2012 dks 50]000@&¼ipkl gtkj :Ik;s½] fnukad&04-07- 2013 dks 18]000@&¼vV~Bkjg gtkj :Ik;s½] fnukad&23-07-2012 dks 39]800@&¼mupkyhl gtkj vkB lkS :Ik;s½] fnukad&10-10-2012 dks 27]000@&¼lRrkbZl gtkj :Ik;s½ tek fd;k x;k gSA fnukad&29-02-2012 dks jlhn uacj&35659146 }kjk 14]000@&¼pkSng gtkj :i;s½ ifjoknh }kjk vukosnd dz-1 ds ikl tek gksuk fn[kyk;k x;k gS ysfdu ml jlhn esa 5]000@&¼ikap gtkj :Ik;s½ iwoZ esa izkIr fd, x, _.k vuqca/k dzekad&1270884 fnukad&12-08-2010 dh fd'rksa ds ckor~ ,oa 9]000@&¼ukS gtkj :Ik;s½ _.k vuqca/k dzeakd&1833870 ds fd'rksa dh vnk;xh gsrq tek dh xbZ Fkh ,oa ifjoknh }kjk fnukad&12-06-2013 dks 35]000@&¼iSarhl gtkj :Ik;s½ tek fd;k tkuk crk;k tk jgk gS tks 3]500@&¼rhu gtkj ikap lkS :Ik;s½ gSA ifjoknh us tc Hkh fd'rksa dk Hkqxrku fd;k gS rc vukosnd dz-1 us jlhn tkjh dj ifjoknh dks iznku fd;k gSA vukosnd dz-1 ls 3 us ifjoknh ds okgu dks vkf/kiR; esa ugha fy;k gS vkSj uk gh iz'uxr okgu dks vkf/kiR; esa ysdj fdlh vU; dks // 8 // fodz; fd;k gSA ifjoknh us vukosnd dz-1 ls 3 dks vdkj.k ijs'kku djus dh ea'kk ls ,oa lnks"k ykHk vftZr djus dh ea'kk ls vlR; dFkuksa ds vk/kkj ij ifjokn izLrqr fd;k gS tks fujLrh ;ksX; gSA ifjoknh us vukosnd dz-1 ls 3 ls izkIr foRrh; lqfo/kk ds Hkqxrku esa O;frdze dkfjr fd;k gS ftlds QyLo:Ik vukosnd dz-1 ls 3 }kjk ifjoknh ds fo:} vuqca/k dh 'krksZa ds vuq:Ik ,d lwpuk&i= fnukad&13-01-2014 ds ek/;e ls laiw.kZ _.k jkf'k e; rRle; cdk;k fglkc ds jhdkWy fd;k x;k ,oa fiz;k dzLVks dks e/;LFk fu;qDr fd;k x;k vkSj e/;LFk }kjk fnukad&15- 04-2014 dks vokMZ ikfjr fd;k x;kA blls iwoZ ifjoknh dks e/;LFk vf/kdj.k }kjk lwpuk&i= tkjh fd;s x;s Fks tks ifjoknh dks izkIr gq;s Fks vkSj ifjoknh fnukad&22-03-2014 dks vukosnd dz-1 ls 3 ds dk;kZy; esa mifLFkr gksdj laiw.kZ cdk;k _.k e; vfrfjDr n.M C;kt ds Hkqxrku dj fn;k x;k rFkk vius [kkrs dks can djrs gq, iz'uxr okgu ds laca/k esa vukifRr izek.k&i= izkIr dj fy;k FkkA blds mijkar vukosnd dz-1 ls 3 }kjk bl rF; ls e/;LFk dks voxr djk;k x;k Fkk ijUrq fnukad&15-04-2014 dks e/;LFk vf/kdj.k }kjk vokMZ ikfjr dj fn;k x;k rFkk oS/kkfud izfdz;kvksa dk ikyu djus ds mijkar e/;LFk }kjk vokMZ dh izfr ifjoknh dks izsf"kr dh xbZ Fkh] blds mijkar ifjoknh us iwokZxzg ls xzflr gksdj vukosnd dz-1 ls 3 dks vlR; vk/kkjksa ij lwpuk&i= izsf"kr fd;k Fkk ftlls dh ifjoknh dh ekufldrk ifjyf{kr gksrh gSA ifjoknh us vukosnd dz-1 ls 3 ls iwoZ esa fnukad&12-08-2010 dks vuqca/k dzekad&1270844 ds vuqlkj _.k lqfo/kk izkIr dj efgUnzk VsªDVj // 9 // 275 dz; fd;k gS ftlesa Hkh ifjkonh O;frdzeh gS ftlds QyLo:Ik ifjoknh ls vukosnd dz-1 ls 3 dks fd'rksa ds :Ik esa vkt fnukad&15-12- 2014 rd cdk;k jkf'k&1]96]500@&¼,d yk[k fN;kucs gtkj ikap lkS :Ik;s½ ,oa vkxkeh Hkfo"; dh fd'rsa 65]500@&¼iSalB gtkj ikap lkS :Ik;s½ ,oa vfrfjDr n.M C;kt ds :Ik esa 62]528@&¼ck;lB gtkj ikap lkS vV~BkbZl :Ik;s½ dqy&3]24]528@&¼rhu yk[k pkSchl gtkj iakp lkS vV~BkbZl :Ik;s½ izkIr djuk 'ks"k gS ftlds laaca/k esa ifjoknh ds fo:} e/;LFkrk vf/kfu;e ds izko/kkuksa ds vuqlkj dk;Zokgh fopkjk/khu gS vkSj jhdkWy lwpuk&i= fnukad&16-09-2014 ifjoknh dks tkjh fd;k tk pqdk gS ftlds laca/k esa laiw.kZ rF;ksa dh tkudkjh iwoZ ls ,oa HkyhHkkafr Kkr gS fdUrq ifjoknh vius vU; _.k nkf;Ro ls cpus dh ea'kk ls orZeku ifjokn i= vlR; vk/kkjksa ij izLrqr fd;k gS tks fd ifjoknh dh ekufldrk dks n'kkZrk gS vkSj ifjoknh U;kf;d izfdz;k dk nq:Ik;ksx dj ykHk vftZr djuk pkgrk gSA vukosnd dz-1 ls 3 }kjk fdlh izdkj dh lsok esa deh ugha dh xbZ gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 04- mRrjoknh dz-2@vukosnd dz-4 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ifjokn&i= ds lHkh vfHkopuksa dks vLohdkj djrs gq, ;g vfHkopu fd;k x;k gS fd ifjoknh ds }kjk vukosnd dz-4 ds le{k efgUnzk VsªDVj ekWMy ua-&605 baftu ua- ,ulh,e;w 498 ,oa iath;u dz-&lh-th- 19lh@1903 gsrq ekftZu euh ds :Ik esa 3]48]000@&¼rhu yk[k vM+rkyhl gtkj :Ik;s½ dk gh Hkqxrku // 10 // fd;k x;k gSA blfy, ifjoknh ds }kjk vukosnd dz-4 dks tku&cw>dj ijs'kku djus dh fu;r ls i{kdkj cuk;k x;k gSA vukosnd dz-4 ds }kjk lsok esa dksbZ deh ugha fd;k x;k gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 05- mRrjoknh dz-3@vukosnd dz-5 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ifjokn&i= ds lHkh vfHkopuksa dks vLohdkj djrs gq, ;g vfHkopu fd;k x;k gS fd okgu VsªDVj dz- lh- th- 19th@1903 dk fodz; iznhi pkSjfl;k }kjk ia[kktwj fuoklh ckcyw ÅQZ ,e- ,u- dqjS'kh dks fd;k x;k Fkk vkSj u;s dzsrk vukosnd dz-5 }kjk mDr okgu ds mi;ksx ds nkSjku fnukad&16-08-2014 dks nq?kZVuk ?kfVr gksus ls nks O;fDr;ksa dh e`R;q gks xbZ Fkh vkSj muds fof/kd okfjlksa }kjk okgu pkyd ,oa ifjoknh rFkk chek daiuh ds fo:} {kfriwfrZ gsrq nkok Hkkuqizrkiiqj U;k;ky; esa izLrqr fd;k x;k gSA efgUnzk ,.M efgUnzk Qk;usal daiuh ds ia[kktwj 'kk[kk ds izca/kd iznhi pkSjfl;k }kjk mDr okgu VsªDVj dz-&lh-th-19th@1903 dk fodz; dqy&3]80]000@&¼rhu yk[k vLlh gtkj :Ik;s½ esa vukosnd dz-5 dks fd;k x;k FkkA mDr okgu ds fodz; ewY; esa ls 3]00]000@&¼rhu yk[k :Ik;s½ dk Hkqxrku vukosnd dz-5 us fnukad&22-03-2014 dks uxn fd;k Fkk rFkk 'ks"k jkf'k&80]000@&¼vLlh gtkj :Ik;s½ dks mDr okgu ds vkj- lh- cqd esa vukosnd dz-5 ds uke varj.k gksus ij fn;k tkuk r; gqvk FkkA iznhi pkSjfl;k }kjk vukosnd dz-5 dks mDr okgu fnukad&04-04-2014 dks lkSaik x;k Fkk rFkk iznhi pkSjfl;k us mDr okgu dks mlds ewy Lokeh // 11 // ifjoknh }kjk fd'r vnk;xh esa vleFkZ gksus ls Qk;usal daiuh dks okil ¼ljsaMj½ fd;s tkus dh ckr vukosnd dz-5 dks crk;k Fkk ftls fodz; djus dk izLrko nsrs gq, 3]80]000@&¼rhu yk[k vLlh gtkj :Ik;s½ esa lkSnk gqvk FkkA vukosnd dz-5 us mDr okgu dks iznhi pkSjfl;k ls dz; dj okgu esa vko';d lq/kkj dk;Z djok;k rFkk ubZ cSVjh yxok;k ftl ij dqy&35]000@&¼iSarhl gtkj :Ik;s½ [kpZ gqvk rFkk vukosnd dz-5 us vius QeZ ds psd ls mDr okgu dk chek djok;k FkkA okgu dk vkj- lh- cqd vius uke ls djkdj nsus ds fy, vukosnd dz-5 us iznhi pkSjfl;k ls dbZ ckj fuosnu fd;k Fkk fdUrq mlds }kjk ges'kk Vkyrs jgk vkSj mlh nkSjku og ia[kktwj 'kk[kk ls LFkkukarfjr gksdj jktukanxkao pys x,A mDr okgu ls fnukad&16-08-2014 dks nq?kZVuk ?kfVr gksus ls mDr okgu Fkkuk ia[kktwj }kjk tIr dj fy;k x;k gS ftldh vkj- lh- cqd iznhi pkSjfl;k }kjk vukosnd dz-5 dks u nsdj mlds lkFk Hkh lsok esa deh fd;k x;k gSA vr% iznhi pkSjfl;k ls mDr okgu dk vkj- lh- cqd vukosnd dz-5 dks mlds uke ls fnykbZ tkosA 06- mRrjoknh dz-1@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k vfrfjDr eksVj nq?kZVuk nkok vf/kdj.k] Hkkuqizrkiiqj] ftyk m- cLrj dkadsj }kjk izsf"kr uksfVl fnukad&23-02-2015 dk vly] U;k;ky; vfrfjDr eksVj nq?kZVuk nkokf/kdj.k] Hkkuqizrkiiqj ds le{k eksVj ;ku vf/kfu;e ds rgr {kfriwfrZ fnyk;s tkus gsrq izLrqr vkosnu&i= dh Nk;kizfr] U;k;ky; vfrfjDr eksVj nq?kZVuk nkokf/kdj.k] Hkkuqizrkiiqj }kjk nkok izdj.k dzekad&07@2015 lq'khy eka>h ,oa rhu // 12 // vU; fo:} okgu pkyd jkekxf<+;k ,oa nks vU; esa ikfjr vf/kfu.kZ; fnukad&23-12-2015 dh izekf.kr izfrfyfi ,oa Nk;kizfr] vf/koDrk uksfVl fnukad&14-08-2014 dh Nk;kizfr ¼izn'kZ ih&1½] izkfIr Lohd`fr jlhn ¼izn'kZ ih&2½] jlhn fnukad&24-09-2011] 18-11-2011] 15-12-2011] 23-05- 2012] 23-06-2012] 19-08-2012 15-12-2011] 25-01-2012] 29-02-2012] 26- 03-2012] 09-06-2012] 12-06-2013] 12-06-2013] 21-06-2012] 04-07-2013] 23-07-2013] 10-10-2012 rFkk 17-06-2013 dk vly ¼izn'kZ ih&3 ls ih&28½ izLrqr fd;k gSA 07- mRrjoknh dz-3@vukosnd dz-5 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k ifjoknh ds yksu ,dkÅ.V dk LVsVesaV dh Nk;kizfr izLrqr fd;k gSA 08- mHk;i{k }kjk izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ ftyk Qksje us vkns'k ikfjr djrs gq, ifjokfnuh ds ifjokn dks Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:} ;g vihy gSA 09- vihykFkhZx.k@vukosnd dz-1 ls 3 dh vksj ls vkns'k&41 fu;e&27 lh- ih- lh- dk vkosnu&i= izLrqr dj yksu ,xzhesaV] vkfcZVsªVj Jherh vferk NsM+k }kjk ifjoknh nhid eaMy ,oa fot; eaMy dks izsf"kr uksfVl fnukad&25 tuojh 2014] 25 vizsy 2014] izkfIr Lohd`fr jlhn rFkk vkfcZVsªVj vokMZ fnukad&15 vizsy 2014 dh Nk;kizfr dks izLrqr djuk pkgk gSA // 13 // 10- vihykFkhZx.k@vukosnd dz-1 ls 3 dh vksj ls izLrqr vkns'k&41 fu;e&27 lh- ih- lh- ds vkosnu&i= ij lquk x;kA 11- vkosnu&i= ij fopkj fd;k x;kA 12- vukosnd dz-1 ls 3 us vius izkjafHkd vkifRr dh dafMdk&3 esa ;g vfHkopu fd;k gS fd **ifjoknh o vukosnd dz-3 daiuh ds e/; fnukad&30-11-2011 dks vuqca/k&i= fu"ikfnr gqvk Fkk ftldk dzekad&1833870 gS vkSj vuqca/k&i= ds pj.k dzekad&26 esa mHk;i{kksa ds e/; mRiUu fookn dh fLFkfr esa e/;LFkrk dk izko/kku gS** rFkk vius fyf[kr dFku ds vfrfjDr dFku dh dafMdk&3 esa Li"V :Ik ls vfHkopu fd;k gS fd **vukosnd dz-1 ls 3 us fiz;k dzkLVks dks e/;LFk fu;qDr fd;k gS vkSj ekeyk e/;LFk dks lanfHkZr fd;k x;k Fkk vkSj ftlesa fnukad&15-04-2014 dks vokMZ ikfjr gks pqdk gS** vkSj blh izdkj dk dafMdk&4 esa Hkh vfHkopu gSSA 13- pwafd vukosnd dz-1 ls 3 us izkjaHk ls gh e/;LFkrk ds laca/k esa mYys[k fd;k gS vkSj vokMZ ikfjr gksuk crk;k x;k gS vkSj ifjoknh Lo;a us ,xzhesaV ds fu"iknu dks Lohdkj fd;k gS] mls ns[krs gq, ;fn vukosnd dz-1 ls 3 dh vksj ls izLrqr nLrkostksa dks Lohdkj fd;k tkrk gS gS mlesa ifjoknh ij dksbZ izfrdwy izHkko ugha iM+rk gS vkSj mDr nLrkost izdj.k ds mfpr fujkdj.k ds fy, vko';d gS] ijUrq vukosnd dz-1 ls 3 }kjk mDr vkosnu&i= vihyh; voLFkk esa foyac ls izLrqr fd;k x;k gSA vr% mls ifjO;; ij Lohdkj fd;k tkuk mfpr gksxkA // 14 // 14- vr% vihykFkhZx.k@vukosnd dz-1 ls 3 dh vksj ls izLrqr vkns'k&41 fu;e&27 lh- ih- lh- dk vkosnu&Ik= 7]000@&¼lkr gtkj :Ik;s½ ifjO;; ij Lohdkj fd;k tkrk gS vkSj nLrkost dks vihyh; voLFkk esa vfrfjDr lk{; ds :Ik esa vfHkys[k esa fy;k tkrk gSA 15- tgka rd xq.k&nks"k dk laca/k gS] vihykFkhZx.k@vukosnd dz-1 ls 3 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh jkds'k iqjh dk rdZ gS fd ifjoknh vkSj vukosnd dz-1 ls 3 ds e/; fnukad&30-11-2011 dks vuqca/k&i= dzekad&1833870 fu"ikfnr gqvk Fkk vkSj ifjoknh }kjk vukosnd dz-1 ls ,d efgUnzk VsªDVj ekWMy ua-&605 vtqZu Mkstj lfgr dz; fd;k Fkk ftlds laca/k esa fnukad&30-11-2011 dks vukosnd dz-1 daiuh us 5]50]000@&¼ikap yk[k ipkl gtkj :Ik;s½ _.k Lohd`r dj 1]90]200@&¼,d yk[k uCcs gtkj nks lkS :Ik;s½ foRrh; izHkkj gksdj dqy&7]40]200@&¼lkr yk[k pkyhl gtkj nks lkS :Ik;s½ ifjoknh dks iznku fd;k Fkk ftls 33 fd'rksa esa Hkqxrku fd;k tkuk Fkk] ijUrq ifjoknh }kjk fd'rksa dk Hkqxrku ugha fd;k x;k vkSj ifjoknh dh vksj vHkh Hkh jkf'k ns; fudyrk gSA vukosnd dz-1 ls 3 }kjk dHkh Hkh okgu dks vius vkf/kiR; esa ysdj fodz; ugha fd;k x;k gSA vukosnd dz-1 ls 3 us izdj.k fiz;k dzkLVks e/;LFk dks lanfHkZr fd;k Fkk vkSj fiz;k dzkLVks }kjk fnukad&15-04-2014 dks vokMZ ikfjr fd;k tk pqdk gS tcfd ifjoknh us ;g ifjokn fnukad&12-09-2014 dks lafLFkr fd;k gSA bl izdkj vokMZ ikfjr djus ds ckn ;g ifjokn lafLFkr fd;k x;k gS blfy, ftyk Qksje dks ifjokn dh lquokbZ dk {ks=kf/kdkj izkIr ugha gS] ijUrq ftyk // 15 // Qksje us bu rF;ksa dks /;ku fn, fcuk gh vkyksP; vkns'k ikfjr dj fn;k gS tks fd =qfViw.kZ gSA vr% vukosnd dz-1 ls 3 dh vksj ls izLrqr vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA 16- mRrjoknh dz-1@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vkj- ds- Hkkoukuh dk rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% mfpr gSA vukosnd dz-1 ls 3 us vukf/kd`r :Ik ls ifjoknh ds okgu dks dCts esa ysdj mls fodz; dj fn;k gS vkSj dCtk ysus ds iwoZ fdlh izdkj dh dksbZ uksfVl ugha fn;k x;k gS] tcfd vkf/kiR; ysus ds iwoZ vukosnd dz-1 ls 3 dk ;g drZO; Fkk fd os fof/kor~ lwpuk&i= izsf"kr dj okgu dk vkf/kiR; ysrs vkSj fodz; ds iwoZ Hkh uksfVl fn;k tkuk pkfg, Fkk] ijUrq fdlh izdkj dh lwpuk fn, okgu dks fodz; d; fn;k gS tks fd vukosnd dz-1 ls 3 dh lsok esa deh ,oa vuqfpr O;kikj izFkk dks n'kkZrk gS vkSj ,slh fLFkfr esa ftyk Qksje }kjk ikfjr vkns'k fof/kor~ ikfjr vkns'k gS vkSj mlesa fdlh izdkj ds gLr{ksi dh vko';drk ugha gSA vr% vukosnd dz-1 ls 3 dh vksj ls izLrqr vihy fujLr fd;k tkosA 17- mRrjoknh dz-2 ,oa 3@vukosnd dz-4 ,oa 5 dh vksj ls dksbZ milatkr ugha gq, gSaA // 16 // 18- geus mHk;i{kksa 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 19- ifjoknh us vius ifjokn&i= esa ;g vfHkopu fd;k gS fd **mlus efgUnzk VsªDVj ekWMy ua-&605 iath;u dzekad&lh-th- 19th@1903 dks 4]00]000@&¼pkj yk[k :Ik;s½ ekftZu euh Hkqxrku dj 'ks"k jkf'k&4]15]000@&¼pkj yk[k iUnzg gtkj :Ik;s½ vukosnd dz-1 ls 3 ls Qk;usal djok;k Fkk vkSj ,xzhesaV dzekad&183870 fnukad&30-11-2011 dks fu"ikfnr fd;k x;k FkkA** ifjoknh us vius ifjokn&i= dh dafMdk&3 esa ;g crk;k gS fd **mlds }kjk jkf'k dk Hkqxrku dj fn;k x;k gSA okgu ifjoknh dks fn;k x;k ijUrq ewy vkj- lh- cqd ,oa chek ikWfylh vukosnd dz-1 ds dCts esa Fkk** rFkk vius ifjokn esa la'kks/ku djrs gq, ;g vfHkopu fd;k x;k gS fd **okgu dzekad&lh-th- 19th@1903 dks vukosndx.k }kjk fnukad&18-02-2014 dks vius dCts esa ysdj mDr okgu dk fodz; ia[kktwj fuoklh ckcyw dqjS'kh dks dj fn;k gSA** ifjoknh ds vfHkopuksa ds foijhr vukosnd dz-1 ls 3 dk Li"V :Ik ls vfHkopu gS fd vuqca/k ds 'krksZa ds vuqlkj izdj.k vkfcZVsªVj dks lanfHkZr fd;k tk pqdk gS vkSj vkfcZVsªVj }kjk fnukad&15-04-2014 dks vokMZ ikfjr fd;k tk pqdk gSA // 17 // 20- fjfotu fifV'ku dzekad&1630@2017 esllZ b.Mlb.M cSad fyfeVsM fo:} eqjyh/kj [kwaVs] vkns'k fnukad&23-02-2018 esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "9. As far as the award is concerned, that cannot be challenged before a Consumer Forum. If the complainant is aggrieved with the award, he has to challenge the same in the court u/s 34 of the Arbitration & Conciliation Act. A Consumer Forum is not competent to go into the validity or otherwise of an arbitration award. The revision petition is disposed of with a direction that the petitioner shall an a sum of only Rs. 1 lac to the complainant within four weeks from today failing which it shall carry interest @ 9% per annum from the date of this order."
21- Chandresh Kumar Vs. Kotak Mahendra Bank Ltd. I (2017) CPJ 121 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "6. ...... In our opinion, the complainant / petitioner having invoked the jurisdiction of the Civil Court and having not challenged the order of the said Court referring the parties to arbitration, he could not have filed a consumer complaint, challenging the legality of the repossession of the vehicle by the bank. Though, the remedy provided to a consumer under the provisions of the Consumer Protect Act, 1986 is an additional remedy, the complainant / petitioner having himself chosen to approach the Civil Court instead of filing a consumer complaint in the first instance, he could not have filed a consumer complaint after the Civil Court had referred the parties to arbitration in accordance with the arbitration clause contained in the agreement between them. The consumer complaint, therefore, was clearly not maintainable, in the aforesaid facts and circumstances."
// 18 //
22. Vishnu Chandra Sharma Vs. Sriram Finance Company Ltd. and Another, 2017 (2) CPR 277 (NC)=III (2017) CPJ 211 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "10. ...................... Section 3 of the Consumer Protect Act, 1986 states that the provisions of Consumer Protection Act, 1986 shall be in addition to and not in derogation of the provisions of any other law for the time being in force. Thus, it is clear that the provisions of the Consumer Protection Act, 1986 cannot be used in derogation of The Arbitration and Reconciliation Act, 1996. Remedy under Consumer Protection Act, 1986 is an additional remedy if the main remedy under the concerned Act has not been taken. In the present case, it was made known to the petitioner / complainant that the remedy under the Arbitration and Reconciliation Act, 1996 was already taken up by OP-1 as per the provisions of the Agreement, therefore, the proceedings under the Consumer Protection Act, 1986 could not have been taken as an alternative remedy................."
23. T. Srinivas & Anr. Vs. Srija Constructions, I (2016) CPJ 552 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "10. .... This Commission in Beverly Park Maintenance Services Ltd. v. Kashmir Fab Styles Pvt. Ltd., II (2014) CPJ 109 (NC) = Revision Petition No.2064 of 2012 decided on 13.3.2014 has observed :
"7. Now the core question is, whether two parallel proceedings for similar relief can be persuaded before two different forums. Learned Counsel for the respondent submitted that Section 3, Consumer Protection Act enables complainant to file complaint under the Consumer Protection Act in spite of proceedings initiated before the arbitrator for similar relief. I do not agree with the submission of learned // 19 // Counsel for the respondent because two proceedings for similar relief cannot run simultaneously in two forums. This Commission in I (1994) CPJ 1 (NC), Hanuman Prasad v. The New India Assurance Company Limited held that when a case is pending in a Court in which full evidence is to be recorded the Forums constituted under the Consumer Protection Act, 1986 should not entertain the complaint with respect to the same cause of action.
8. Respondent is entitled to prove his claim before the arbitrator by leading evidence, whereas proceedings before the State Commission were to be disposed summarily. Once respondent participated in proceedings before the arbitrator for the same relief, proceedings for similar relief could not have been initiated before the State Commission and the State Commission committed error in holding that both the proceedings may go simultaneously . The words 'in addition' appearing in Section 3, C.P. Act enables complainant to file complaint before Consumer Fora also if not filed before other Forum."
24. Magma Fincorp Limited Vs. Gulzar Ali, II (2016) CPJ 231 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "12. It may be mentioned here that as per the agreement entered into between the parties, it was stipulated that in the case of dispute between the parties, the matter could not be referred to an Arbitrator. It is well settled that terms and conditions of the agreement to this effect do not bar jurisdiction of the Consumer Fora but when the parties opt to proceed, first of all, before the Arbitrator, in that event, the jurisdiction of this Commission stand barred. It is settled Law that the Consumer Fora cannot question the award. It has no power to set aside the award or decree passed by the Civil Court. If this power is given to the Consumer Fora, this will lead to contradictory judgments as has been done in this case. The order passed by the Fora below in this case is not legally tenable."
// 20 //
25. Beverly Park Maintenance Services Ltd. Vs. Kashmir Fab Styles Pvt. Ltd. II (2014) CPJ 109 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Once respondent participated in proceedings before arbitrator for same relief, proceedings for similar relief could not have been initiated before State Commission."
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