State Consumer Disputes Redressal Commission
M/S L&T; Finance Ltd. vs Narend Verma & Anr. on 26 February, 2014
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vihy Øekad% FA/13/401 lafLFkr fnukad: 20.06.2013 Jhjke VªkaliksVZ Qk;usal daiuh fyfeVsM] }kjk&izca/kd@'kk[kk izca/kd] 204&f}rh; ry] okf.kT; Hkou] lkabZ uxj] nsoUs nz uxj] jk;iqj ¼N-x-½ -----vihykFkhZ-
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// 2 // vihy Øekad% FA/13/429 lafLFkr fnukad:08.07.2013 ujsUnz oekZ vk- Jh nfu;k izlkn oekZ] vk;q yxHkx& 36 o"kZ] fuoklh xzke&rjslj] iksLV&iFkjh] Fkkuk&/kjlhoka] ftyk&jk;iqj ¼N0x0½ -----vihykFkhZ-
fo:) 1- ,y- ,.M Vh- Qk;usal fyfeVsM daiuh] }kjk&izca/kd@'kk[kk izca/kd] /kqIiM+ isVªksy iai ds ikl] Tkh- bZ- jksM jk;iqj ¼N-x-½ 2- Jhjke VªkaliksVZ Qk;usal daiuh fyfeVsM] }kjk&izca/kd@'kk[kk izca/kd] 204&f}rh; ry] okf.kT; Hkou] lkabZ uxj] nsoUs nz uxj] jk;iqj ¼N-x-½ -----mRrjoknhx.k-
le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l-'kekZ] v/;{k ekuuh; lqJh ghuk BDdj] lnL;k i{kdkjksa ds vf/koDrk ifjoknh@ujsUnz oekZ dh vksj ls Jh lat; MMsluk] vf/koDrkA vukosnd dzekad&1 ,y-,.M Vh- Qk;usal da-fy- dh vksj ls Jh ch- xksik dqekj vf/koDrkA vukosnd dzekad&2 Jhjke VªkaliksVZ Qk;usal da- fy- dh vksj ls Jh jkts'k ik.Ms; vf/koDrkA vkns'k fnukad% 26@02@2014 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihy dzekad& FA/13/435 esllZ ,y- ,.M Vh- Qk;usl a fyfeVsM fo:} ujsUnz oekZ ,oa ,d vU;] vihy dzekad&FA/13/401 Jhjke VªkaliksVZ Qk;usal daiuh fyfeVsM fo:} ujsUnz oekZ ,oa ,d vU; rFkk vihy dzekad&FA/13/435 ujsUnz oekZ fo:} ,y- ,.M Vh- Qk;usal fyfeVsM // 3 // daiuh ,oa ,d vU;] ftyk miHkksDrk fookn izfrrks"k.k Qksje] jk;iqj ¼N- x-½ ¼ftls vkxs laf{kIr esa **ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&12@2012 esa ikfjr vkns'k fnukad&13-05-2013 ls mRiUu gSaA vr% bu rhuksa vihyksa dk fujkdj.k bl ,d gh vkns'k ds }kjk fd;k tk jgk gSA ewy vkns'k vihy dzekad&FA/13/435 esa layXu dh tkos ,oa vkns'k dh izfr vihy dzekd&FA/13/401 rFkk vihy dzekad&FA/13/429 esa layXu dh tkosA 02- ifjoknh ujsUnz oekZ us ftyk Qksje ds le{k ifjokn izLrqr fd;k Fkk vkSj ftyk Qksje us ifjoknh dk ifjokn Lohdkj djrs gq, ;g vkns'k ikfjr fd;k gS fd vuksnd dzekad&1] ifjoknh dks _.k ds isVs izkIr dh xbZ leLr jde tek fnukadksa ls vnk;xh fnukad rd 06 izfr'kr okf"kZd lk/kkj.k okf"kZd C;kt lfgr okil iznku djsA vukosnd dzekad&2] ifjoknh dks mlls _.k isVs izkIr dh xbZ leLr jde tek fnukadksa ls vnk;xh fnukad rd 06 izfr'kr lk/kkj.k okf"kZd C;kt lfgr okil iznku djs rFkk vukosndx.k] ifjoknh dks vf/koDrk 'kqYd ,oa okn O;; ds :Ik esa 2]000@&¼nks gtkj :Ik;s½ Hkh vnk djasA 03- mij of.kZr vkns'k ds fo:} vukosnd dzekad&1 ,y- ,.M Vh- Qk;usal fyfeVsM daiuh us vihy dzekad&FA/13/435 vkSj vukond dzekad&2 Jhjke VªkaliksVZ Qk;usl a daiuh fyfeVsM us vihy dzekad& FA/13/401 ,oa ifjoknh us Hkh vihy dzekad&FA/13/429 izLrqr fd;k gSA 04- ftyk Qksje ds le{k ifjoknh dk ifjokn laf{kIr esa bl izdkj jgk gS fd ifjoknh ujsUnz oekZ d`f"k dk;Z djrk gS vkSj mlus 3]22]000@&¼rhu yk[k ckbZl gtkj :Ik;s½ esa egsUnzk VªsDVj dzekad&lh- th- 04 Mh- ,- 4313 dz; fd;k Fkk vkSj ftlds fy, vukosnd dzekad&1 ,y- ,.M Vh- Qk;usl a fyfeVsM daiuh ls _.k izkIr fd;k FkkA mDr // 4 // jkf'k 47]000@&¼lSarkyhl gtkj :Ik;s½ N%ekgh fd'r esa vnk djuk FkkA ifjoknh }kjk fd'rksa dh jkf'k dk Hkqxrku ugha dj ikus ds dkj.k vukosnd dzekad&1 ,y- ,.M Vh- Qk;usal fyfeVsM daiuh us ifjoknh ds mDr okgu dks tIr dj vius ;kMZ esa j[k fy;k Fkk vkSj ftlds dkj.k ls ifjoknh d`f"k dk;Z ugha dj ik;k vkSj ijs'kku jgus yxk rc mlus vukosnd dzekad&2 Jhjke VªkaliksVZ Qk;usl a daiuh fyfeVsM ls laidZ dj 1]84]000@&¼,d yk[k pkSjklh gtkj :Ik;s½ dk _.k fy;k Fkk vkSj mDr _.k 7]702@&¼lkr gtkj lkr lkS nks :Ik;s½ ekfld fd'rksa esa 40 fd'rksa esa vnk djuk FkkA vukosnd dzekad&2 }kjk vukosnd dzekad&1 ,y- ,.M Vh- Qk;usal fyfeVsM daiuh dks 1]94]000@&¼,d yk[k pkSjkucs gtkj :Ik;s½ dk Hkqxrku dj fn;k x;k mlds ckn Hkh vukosnd dzekad&1 us ifjoknh ds okgu dks vius ;kMZ esa j[ks jgk vkSj jde izkIr djus ds ckn Hkh okgu okil ugha fd;k rFkk vukosnd dzekad&2 Jhjke VªkaliksVZ Qk;usal fyfeVsM daiuh us ;g djkj fd;k Fkk fd vukosnd dzekad&1 ds jde dk Hkqxrku dj okgu izkIr dj okgu dks ifjoknh dks okil fnyk,xk ijUrq vukosnd dzekad&2 }kjk Hkh vukosnd dzekad&1 ls okgu izkIr ugha fd;k vkSj bl izdkj vukosndx.k us lsok esa deh fd;k gS vkSj ifjoknh dks ifjokn ykus dh vko';drk iM+h gSA vr% vukosnd dzekad&1 }kjk okgu tIr djrs le; okgu ftl voLFkk esa Fkk mlh voLFkk esa ifjoknh dks okil dh tkos rFkk vukosndx.k ls cdk;k lai.w kZ jkf'k ij fnukad&16-10-2010 ls ,oa vukosnd dzekad&2 ls izFke fd'r dh jkf'k vnk djus ds ckn vFkkZr~ fnukad&20-11-2010 ls 20]000@& ¼chl gtkj :Ik;s½ izfrekg dh nj ls {kfriwfrZ dh jkf'k fnykbZ tkosA 05- vukosnd dzekad&1 ,y- ,.M Vh- Qk;usal fyfeVsM daiuh us fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k gS fd ifjoknh us // 5 // fnukad&28-07-2006 dks Loan-cum Hypothecation Agreement ds vuqlkj okgu dz; fd;k gS blfy, ifjoknh miHkksDrk dh Js.kh esa ugha vkrk gSA Loan-cum Hypothecation Agreement dh dafMdk&14 ds vuqlkj dsoy eqacbZ U;k;ky; dks {ks=kf/kdkj izkIr gS] ftyk Qksje dks dksbZ {ks=kf/kdkj izkIr ugha gS rFkk ,y- ,.M Vh- Qk;usal fyfeVsM daiuh vkSj ifjoknh vuqca/k dh 'krksZa ls ca/ks gq, gSa vkSj vuqca/k dh 'krZ nksuksa ij ca/kudkjh gS vkSj blfy, vukosnd dzeakd&1 }kjk fdlh izdkj ls lsok esa deh ugha dh xbZ gSA vuqca/k ds vuqlkj izdj.k vkfcZVsªVj dks lanfHkZr fd;k tkuk Fkk vkSj vkfcZVsªVj }kjk gh fookn dk fujkdj.k fd;k tk ldrk gS blfy, Hkh ftyk Qksje dks lquokbZ dk {ks=kf/kdkj ugha gSA pwfa d ifjoknh miHkksDrk ugha gS blfy, miHkksDrk laj{k.k vf/kfu;e] 1986] dk izko/kku vkdf"kZr ugha gksrk gSA ifjoknh us vukosnd dzekad&1 ls 4]08]867@&¼pkj yk[k vkB gtkj vkB lkS lM+lB :Ik;s½ dh _.k jkf'k dh ekax fd;k Fkk bl ij fnukad&18-07-2006 dks 3]22]000@&¼rhu yk[k ckbZl gtkj :Ik;s½ dk _.k ifjoknh dks fn;k x;k Fkk vkSj ftlds vk/kkj ij ifjoknh us vf/kd`r Mhyj ls VªsDVj dks dz; fd;k Fkk ijUrq ifjoknh }kjk fu;fer :Ik ls fd'r dh jkf'k dk Hkqxrku ugha fd;k x;k] bl ij ifjoknh dks lwpuk&i= Hkstk x;k vkSj Ik'pkr~ okgu dks tIr fd;k x;k Fkk mlds Ik'pkr~ ifjoknh us vukosnd dzekad&2 ls laidZ fd;k Fkk vkSj vukosnd dzekad&2 us jde vukosnd dzekad&1 dks tek dj fn;k Fkk vkSj bl ij vukosnd dzekad&1 }kjk vukifRr izek.k&i= iznku dj fn;k x;k gSA vukosnd dzeakd&1 us fdlh izdkj ls lsok esa deh ugha fd;k gSA okgu ugha ys tkus ds fy, ifjoknh Lo;a mRrjnk;h gS vkSj ifjoknh }kjk feF;k vk/kkjksa ij ifjokn izLrqr fd;k x;k gSA vr% ifjokn fujLr fd;s tkus ;ksX; gSA // 6 // 06- vukosnd dzekad&2 Jhjke VªkaliksVZ Qk;usal daiuh fyfeVsM us fyf[kr dFku izLrqr dj vfHkdFku fd;k gS fd ifjoknh us okgu O;kolkf;d iz;kstu ds fy, dz; fd;k gSA ifjoknh _.k ds iquHkqZxrku esa O;frdzeh jgk gS vkSj ftlds pyrs uk rks vukosnd dzekad&1 dk vkSj uk gh vukosnd dzekad&2 dks fu/kkZfjr ekfld fd'rksa dk Hkqxrku fd;k x;k gSA vuqca/k ds vuqlkj vukosnd dzekad&2 us 1]94]000@&¼,d yk[k pkSjkucs gtkj :Ik;s½ vukosnd dzekad&1 dks vnk dj fn;k gSA vukosnd dzekad&2 }kjk lsok esa dksbZ deh ugha dh xbZ gS ,slh fLFkfr esa mlds fo:} ifjokn la/kkj.kh; ugha gS vkSj fujLr fd;s tkus ;ksX; gSA 07- Jh ch- xksik dqekj vf/koDrk us vukosnd dzekad&1 ,y- ,.M Vh- Qk;usal fyfeVsM daiuh dh vksj ls rdZ izLrqr fd;k gS fd ifjoknh Lo;a mis{kk ds fy, mRrjnk;h gSA ifjoknh us vukosnd dzekad&2 ls _.k izkIr fd;k Fkk vkSj mDr jkf'k vukosnd dzeakd&2 ds ek/;e ls vukosnd dzekad&1 dks fn;k x;k Fkk vkSj vukifRr izek.k&i= tkjh fd;k x;k Fkk mlds ckn Hkh ifjoknh viuh xkM+h ugha ys x;k gS] mlds fy, ifjoknh Lo;a mRrjnk;h gSA vuqca/k ds vuqlkj izdj.k ds fookn ds fuiVkjs ds fy, vkfcZVsªVj dks lanfHkZr fd;k tkuk vko';d gSA ,slh fLFkfr esa ftyk Qksje ds }kjk izdj.k dk fujkdj.k ugha fd;k tk ldrkA ifjoknh fdlh izdkj dk vuqrks"k ikus dk vf/kdkjh ugha gSA vr% vukosnd dzeakd&1 ,y- ,.M Vh- Qk;usal fyfeVsM daiuh dk vihy Lohdkj dj ftyk Qksje }kjk ikfjr vkyksP; vkns'k dks fujLr djrs gq, ifjokn fujLr fd;k tkosA 08- Jh jkts'k ik.Ms; vf/koDrk vukosnd dzekad&2 dh vksj ls rdZ gS fd vukosnd dzekad&2 us ifjoknh dks _.k Lohd`r fd;k Fkk vkSj mDr // 7 // jkf'k vukosnd dzekad&1 dks tek dj fn;k FkkA vukosnd dzekad&2 }kjk dHkh ;g vuqca/k ugha fd;k x;k gS fd og vukosnd dzekad&1 ls okgu dks [kqn izkIr dj ifjoknh dks lkSaisxkA okgu okil izkIr djus dk dk;Z ifjoknh dk Fkk ijUrq ifjoknh Lo;a okgu izkIr djus esa mRlqd ugha jgk gS vkSj vukosnd dzekad&2 Jhjke VªkaliksVZ Qk;usal daiuh fyfeVsM us jde vukosnd dzekad&1 dks fn;k gS vkSj ifjoknh }kjk vukosnd dzeakd&2 ds jde dk Hkqxrku ugha fd;k x;k gS vkSj ,slh fLFkfr esa ftyk Qksje }kjk ikfjr vkns'k iw.kZr% =qfViw.kZ gSA 09- Jh lat; MMlsuk vf/koDrk tks ifjoknh dh vksj ls milatkr gq, gSa dk rdZ gS fd okgu dzekad&lh-th- 04 Mh- ,- 4313 vukosnd dzekad&1 }kjk tIr fd;k x;k ijUrq jde tek djus ds ckn Hkh okgu dks okil ugha fd;k x;k gSA mlus nksuksa vukosndksa ls dbZ ckj laidZ fd;k ijUrq okgu ugha fn;k tk jgk gS vkSj ,slh fLFkfr esa okgu dks izkIr djus dk ifjoknh vf/kdkjh gSA vr% okgu Hkh ifjoknh dks vukosndx.k ls fnykbZ tkos vkSj okgu mlh gkyr esa fnykbZ tkos ftl gkyr esa mls tIr fd;k x;k Fkk vkSj 20]000@&¼chl gtkj :Ik;s½ izfrekg dh nj ls {kfriwfrZ Hkh fnykbZ tkosA 10- ftyk Qksje us i{kdkjksa ds rdZ lquus ,oa nLrkostksa ds ifj'khyu ds Ik'pkr~~ ifjoknh dk ifjokn vkaf'kd :Ik ls Lohdkj fd;k gS vkSj vkyksP; vkns'k dh dafMdk&11 ds vuqlkj vuqrks"k iznku fd;k gSA 11- ifjoknh us vius leFkZu esa ystj fMVsYl dh izfr (Annexer-3) rFkk Account Statement From 07.12.2000 to 07.12.2011 (Annexer-
4) uksfVl (Annexer-5)] MªkbZfOgax ykbZlasl (Annexer-7) ,oa Loan // 8 // Cum Hypothecation Agreement ,oa Letter of Guarantee vkfn izLrqr fd;k gS rFkk vukosnd dzeakd&2 us Hkh Jhjke VªlaiksVZ Qk;usal daiuh fyfeVsM ds ,dkmaV~l ,.M ystj fnukad&25-09-2012] lfVZfQdsV vkWQ jftLVªs'ku] Account Statement] Loan Cum Hypothecation Agreement vkfn izLrqr fd;k gSA 12- Qk;usal daiuh dh vksj ls izLrqr Loan Cum Hypothecation Agreement ds ifj'khyu ls ;g Li"V gS fd ;fn dsrk fd'r iVkus esa pwd djrk gS rks Qk;usal daiuh dks laifRr iqu% vkf/kiR; esa ysus dk vf/kdkj gSA ifjoknh ds vfHkopu ls gh ;g Li"V gS fd ifjoknh us vukosnd dzeakd&1 ,y- ,.M Vh- Qk;usl a fyfeVsM daiuh dks fd'r dk Hkqxrku ugha fd;k Fkk blfy, mDr vukosnd daiuh us okgu dk vkf/kiR; ys fy;k Fkk rc ifjoknh us vukosnd dzekad&2 ds ek/;e ls vukosnd dzekad&1 dks _.k dk Hkqxrku fd;k FkkA
13. In the case of Suryapal Singh v. Siddha Vinayak Motors & Anr., III (2012) CPJ 4 (SC), Hon'ble Supreme Court, has observed thus :-
"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 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) // 9 // = 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."
14. In the case of Pramod Kumar Rai v. Shriram Transport Finance Co. Ltd., III (2012) CPJ 553 (NC), Hon'ble National Commission has observed that Finance Company is well within its right to seize the vehicle as per the agreement. Hon'ble National Commission has further observed thus :
"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)."
15. In the case of Shriram Transport Finance Co. Ltd. and Anr. v. Mr. Chaman Lal., 2012 (4) CPR 75 (NC), Hon'ble National Commission has observed thus :
"6. .........Hon'ble Supreme Court has recently in Suryapal Singh v. Siddha Vinayak Motors and Anr., II (2012) CPJ 8 (SC) held :
// 10 // "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."
16. In the case of Magma Fincorp Ltd. v. Sh. Subhankar Singh, I (2013) CPJ 27 (NC) , Hon'ble National Commission observed that :
"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/-.
// 11 // 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 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.
// 12 // 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 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".
17. In the case of Citicorp. Maruti Finance Ltd. v. S. Vijayalaxmi, AIR 2012 Supreme Court 509, Hon'ble Supreme Court observed thus :
// 13 // "21. ......The aforesaid question has since been settled by several decisions of this Court and in particular in the decision recorded in ICICI Bank Ltd. v. Prakash Kaur (AIR 2007 SC 1349 : 2007 AIR SCW 1667 (supra). It is, not, therefore, necessary for us to go into the said question all over again and we reiterate the earlier view taken that even in case of mortgaged goods subject to Hire - Purchase Agreements, the recovery process has to be in accordance with law and the recovery process referred to in the Agreements also contemplates such recovery to be effected in due process of law and not by use of force. Till such time as the ownership is not transferred to the purchaser, the hirer normally continues to be the owner of the goods, but that does not entitle him on the strength of the agreement to take back the possession of the vehicle by use of force. The guidelines which had been laid down by the Reserve Bank of India as well as the Appellant Bank itself, in fact, support and make a virtue of such conduct. If any action is taken for recovery in violation of such guidelines or the principles as laid down by this Court, such an action cannot but be struck down."
18- mijksDr U;k; n``"Vkarksa ds ifjizs{; esa Li"V gS fd vukosnd dzekad&1 dks okgu dk iqu% vkf/kiR; ysus dk vf/kdkj Fkk vkSj vukosnd dzekad&1 us okgu dks tks dCtk izkIr fd;k Fkk mlesa fdlh izdkj dh voS/kkfudrk ugha Fkh vkSj uk gh mlus dksbZ lsok esa deh fd;k Fkk ijUrq ifjoknh dk ;g vfHkopu gS fd jde izkfIr ds Ik'pkr~~ Hkh vukosnd dzekad&1 okgu dks vius vkf/kiR; esa j[ks jgk vkSj ifjoknh dks okil ugha fd;k gSA 19- vukosnd dzekad&1 ds fo}ku vf/koDrk dk ;g rdZ gS fd ;g ifjoknh dk drZO; Fkk fd og okgu dks vius vkf/kiR; esa ysrk ijUrq // 14 // ifjoknh }kjk okgu vkf/kiR; esa ugha fy;k x;k vkSj uk gh dksbZ iz;kl gh fd;k x;k Fkk vkSj blfy, ifjoknh Lo;a mis{kk ds fy, mRrjnk;h gSA vukosnd dzekad&1 dk mDr rdZ Lohdkj ;ksX; ugha gSA 20- vukosnd dzekad&1 ds vfHkopuksa ls ;g Li"V gS fd mlus okgu dks vius vkf/kiR; esa fy;k Fkk vkSj tc ifjoknh us vukosnd dzekad&2 ds ek/;e ls jkf'k dk Hkqxrku vukosnd dzekad&1 dks dj fn;k Fkk vkSj tc vukosnd dzekad&1 us laiw.kZ jkf'k izkIr dj fy;k Fkk rks ;g vukosnd dzekad&1 dk drZO; Fkk fd okgu ifjoknh dks okil djrk ijUrq vukosnd dzekad&1 }kjk okgu] ifjoknh dks okil ugha fd;k x;k vkSj vius ;kMZ esa gh jgus fn;k gSA vukosnd dzekad&1 dk ;g drZO; Fkk fd og ifjoknh dks ;g lwfpr djrk fd _.k dh jkf'k dk Hkqxrku gks x;k gS vkSj og okgu _.k ds nkf;Ro ls mUeksfpr gks x;k gSA vr% ifjoknh viuk okgu okil ys tkos] ;fn mlds ckn Hkh ifjoknh okgu ugha ys tkrk rHkh ;g ekuk tk ldrk Fkk fd ifjoknh us vius drZO; ikyu esa mis{kk cjrh gS ijUrq vukosnd dzekad&1 }kjk ifjoknh dks okgu okil ys tkus ds lac/ak esa fdlh izdkj dk dksbZ lwpuk&i= izsf"kr ugha fd;k gS] vkSj bl izdkj vukosnd dzekad&1 us vius drZO; dk ikyu ugha fd;k gS vkSj fuf'pr gh vukosnd dzekad&1 }kjk okgu okil uk dj ifjoknh ds izfr lsok esa deh fd;k x;k gSA 21- Qksje }kjk vkyksP; vkns'k dh dafMdk&10 esa ;g fu/kkZfjr fd;k gS fd ** vukosndx.k }kjk Qksje ds le{k fd;s x;s vfHkopuksa esa fdlh egRoiw.kZ ckr dk yksi gS] ftlds dkj.k ifjoknh dks okgu izkIr u gksus ds dkj.k dk [kqyklk ugha gks ldk gS vkSj tc fd ifjoknh dks iz'uk/khu okgu vukosnd dzeakd&1 ls okil izkIr ugha gksxk rc rd ifjoknh] // 15 // vukosnd dzekad&2 ds _.k dh vnk;xh dSls dj ldrk gSA vr% vukosnd dzekad&2 ds d`R; esa Hkh mijksDrkuqlkj lsok esa deh ikbZ xbZ gSA iz'uk/khu okgu fiNys nks&<kbZ o"kksZa ls vukosnd dzekad&1 ds ;kMZ esa [kM+h gS rFkk laHkor% pkyw gkyr esa ugha gksxhA ifjoknh }kjk vuqrks"k pkgk x;k gS fd mls mldk okgu mlh gkyr esa fnyk;k tkos ftl gkyr esa vukosnd dzekad&1 }kjk tIr fd;k x;k Fkk D;ksfa d can okgu dks ysdj og vukosnd dzeakd&2 ds _.k dh vnk;xh ugha dj ldsxk vkSj rdZ esa ;g Hkh O;Dr fd;k x;k gS fd can okgu ds fjis;fjax esa ;fn T;knk [kpZ gqvk rks ifjoknh _.k vnk ugha dj ldsxk vkSj uk gh fjis;fjax djk ldsxkA ifjoknh dks okafNr vuqrks"k iznku fd;s tkus esa dqN izsfDVdy fnDdrsa vk ldrh gS ** vkSj mlds ckn ftyk Qksje us vukosndx.k dks ifjoknh ls izkIr jkf'k dks ifjoknh dks okil fnyk;s tkus dk vkns'k ikfjr fd;k gSA 22- ftyk Qksje us mDr vkns'k vukosnd dzekad&1 ,y- ,.M Vh- Qk;usal fyfeVsM daiuh ftlds }kjk okgu dks tIr dj ;kMZ esa j[kk x;k gS] ds lac/a k esa mfpr ,oa fof/k lEer gS vkSj ftyk Qksje us tks ;g fu/kkZfjr fd;k gS fd vukosnd dzekad&1 }kjk vf/kd le; rd okgu ;kMZ esa j[kk x;k gS vkSj mlh :Ik esa mls okil izkIr gks ikuk laHko ugha gS rFkk fjis;fjax O;; ds laac/a k esa tks fu"d"kZ fudkyk gS og iw.kZr% mfpr gS vkSj ml ij fdlh izdkj ds gLr{ksi dh vko';drk ugha gS vkSj ftyk Qksje us tks vukosnd dzekad&1 ds laca/k esa vkns'k ikfjr fd;k gS og fLFkj j[ks tkus ;ksX; gSA 23- tgka rd vukosnd dzekad&2 }kjk izLrqr vihy dk laca/k gS] ftyk Qksje us vukosnd dzekad&2 dks Hkh mRrjnk;h Bgjk;k gS tks fd // 16 // =qfViw.kZ gSA vukosnd dzekad&2 us ifjoknh ds _.k dk Hkqxrku vukosnd dzekad&1 dks dj fn;k gSA nLrkostksa ds ifj'khyu ls ;g izdV ugha gksrk gS fd vukosnd dzeakd&2 us ifjoknh dks ;g vk'oklu fn;k Fkk fd og okgu vukosnd dzekad&1 ls izkIr dj ifjoknh dks lkSaisxkA ,slh fLFkfr esa vxj vukosnd dzekad&1 us ifjoknh dks okgu ugha lkSaik rks mlds fy, vukosnd dzekad&2 dks mRrjnk;h ugha Bgjk;k tk ldrk gS vkSj vukosnd dzekad&2 dks tks _.k dh vnk;xh dh xbZ gS og ifjoknh }kjk vukosnd dzekad a &2 ls fy, x, _.k ds ,ot esa gS vkSj ,slh fLFkfr esa vukosnd dzeakd&2 dks jde vnk;xh ds fy, nkf;Rok/khu ugha ekuk tk ldrk gS vkSj ftyk Qksje dk mDr vkns'k =qfViw.kZ vkns'k gS vkSj og fLFkj j[ks tkus ;ksX; ugha gSA 24- tgka rd ifjoknh }kjk izLrqr vihy dk lac/a k gS] ifjoknh us okgu dh dher esa o`fn~/k dks ns[krs gq, orZeku ewY; ds vk/kkj ij rFkk d`f"k {kfr ,oa ekufld larki ,oa vuqfpr ekufld ijs'kkuh ds fy, {kfriwfrZ dh ekax fd;k gS vkSj bl laca/k esa ftyk Qksje us bl laca/k esa vius vkns'k dh dafMdk&10 esa fu"d"kZ fudkyk gS] og iw.kZr% mfpr gS vkSj ifjoknh dks orZeku nj ;k c<+s gq, nj ls okgu dh dher fnyk;k tkuk mfpr ugha gS rFkk ifjoknh dks tks vuqrks"k ftyk Qksje }kjk iznku fd;k x;k gS og iw.kZr% fof/k lEer gSA blds vfrfjDr vkSj dksbZ vuqrks"k ifjoknh izkIr djus dk vf/kdkjh ugha gSA 25- mijksDr foospuk ds ifjizs{; esa vukosnd dzekad&2 Jhjke VªkaliksVZ Qk;usl a daiuh fyfeVsM }kjk izLrqr vihy dzekad&FA/13/401 Lohdkj fd;k tkrk gS vkSj vukosnd dzekad&2 ds lac/a k esa ftyk Qksje }kjk ikfjr vkns'k fujLr fd;k tkrk gS rFkk vukosnd dzekad&2 Jhjke // 17 // VªkaliksVZ Qk;usal daiuh fyfeVsM dks nkf;Ro ls mUeksfpr fd;k tkrk gSA tgka rd vihy dzekad&FA/13/435 tks vukosnd dzekad&1 ,y- ,.M Vh- Qk;usal fyfeVsM daiuh }kjk izLrqr fd;k x;k gS ,oa vihy dzekad& FA/13/429 tks ifjoknh ujsUnz oekZ }kjk izLrqr fd;k gS] nksuksa vihy lkjghu gksus ls fujLr fd;k tkrk gSA i{kdkj viuk&viuk okn O;;
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@02@2014 @02@2014