State Consumer Disputes Redressal Commission
Balram S/O Shrichand Sharma vs State Bank Of India Through Manager on 7 December, 2021
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fu.kZ; fnukad 07 fnlEcj] 2021
jktLFkku jkT; vk;ksx] t;iqj }kjk lqjsUnz dqekj tSu] lnL;¼U;kf;d½ 1- ifjoknh us foi{khx.k ds fo:} bl vk;ksx eas ,d ifjokn i= fnukad 25-03-2019 dks bu vfHkopuksa ds lkFk izLrqr fd;k fd mlus foi{kh 2 jktLFkku jkT; vk;ksx] ifjokn la[;k 50@2019 fu.kZ; fnukad 07-12-2021 uacj 1 cSad esa cpr [kkrk [kqyok j[kk gS rFkk foi{kh uacj 2 ls xqzi bU';ksjsl a ds 1]000@&:i;s tek djkdj chek ikWfylh izkIr dj j[kh gSA fnukad 11-01-2016 dks ifjoknh dh iRuh nq?kZVukxzLr gks x;h ftls vLirky ys tk;k x;k o MkDVj us e`r ?kksf"kr dj fn;kA ifjoknh us iqfyl Fkkuk Mhx] Hkjriqj esa e`R;q dh lwpuk nh ftl ij e`x fjiksVZ ntZ dh tkdj tkap dh x;h rFkk tkap esa ,DlhMsUV ls nq?kZVuk gksuk ekuk x;k fdUrq foi{khx.k us chek ikWfylh dk Dyse vLohdkj dj fn;kA 2- foi{khx.k us tokc ifjokn i= izLrqr dj ;g crk;k fd ifjoknh dh iRuh dh e`R;q ,DlhMsUV ls ugha gksdj gkVZ vVSd ls gqbZ gSaA bl izdkj mUgksua s ifjokn i= [kkfjt fd;s tkus dk fuosnu fd;k gSA 3- mHk;i{k dh vksj ls 'kiFk i= o fofHkUu nLrkostkr izLrqr fd;s x;s] ftudk vko';drkuqlkj vkxs foospu fd;k tkosxkA 4- fo}ku vf/koDrk ifjoknh dh vksj ls ;g cgl dh x;h gS fd iqfyl e`xZ tkap fjiksVZ ls ;g lkfcr gS fd ifjoknh dh iRuh dh e`R;q fxj tkus ls ,DlhMsUVy gqbZ gS fQj Hkh chek dEiuh us xyr rkSj ij chek nkok vLohdkj dj fn;kA bl izdkj mUgksua s ifjokn i= Lohdkj fd;s tkus dk fuosnu fd;kA 5- fo}ku vf/koDrk foi{khx.k dh vksj ls ;g cgl dh x;h fd ifjoknh Loa; us iqfyl Fkkuk Mhx esa viuh iRuh dh e`R;q dh lwpuk mlds lhus esa nnZ gksus ls chekj gksus ds dkj.k gksuk crkrs gq, izLrqr dh gSA iqfyl iapukesa esa Hkh ifjoknh Loa; mifLFkr gS rFkk iqfyl us iapukes ds xokgku dh jk; ds vuqlkj chekj gksus ls e`R;q gksuk fy[kk gS fdUrq ckn esa Dyse ysus ds fy, ekeys dks u;k eksM fn;k x;k gSA bl izdkj mUgksua s ifjokn [kkfjt fd;s tkus dk fuosnu fd;k gSA 6- geus mijksDr mHk;i{kh; cgl ij fopkj fd;k ,oa i=koyh dk voyksdu fd;kA 3 jktLFkku jkT; vk;ksx] ifjokn la[;k 122@2017 fu.kZ; fnukad 07-12-2021 7- i=koyh esa Loae ifjoknh cyjke }kjk iqfyl Fkkuk dksrokyh Mhx ftyk Hkjriqj esa izLrqr e`R;q lwpuk fjiksVZ izn'kZ vkj&3@3 layXu gSa ftlesa ifjoknh Loa; us fuEu fyf[kr rF; fy[kk;s gSa %& egksn;] **fuosnu gS fd vkt fnukad 11-01-16 dks lqcg djhc 6 cts dh ckr gSA ?kj ij esjh iRuh papy mez djhc 34 lky ds lhus esa vpkud nnZ gks x;k FkkA ftls eSa bykt ds fy;s gkWLihVy Mhx ysdj vk;k gqvk FkkA vLirky esa MkDVj lkgc dks fn[kk;k] mUgksua s ns[kus ds ckn esjh iRuh dks e`r ?kksf"kr dj fn;kA esjh iRuh dh ekSr vpkud lhus esa nnZ gks tkus ds dkj.k gqbZ gSA esjh iRuh dk e`r 'kjhj vLirky Mhx esa j[kk gqvk gSA fjiksVZ djrk gwW dkuwuh dk;Zokgh dh tk; **A mijksDr rF; ls ;g Li"V gS fd ifjoknh Loa; us bl fjiksVZ esa ;g fy[kk;k gS fd ifjoknh dh iRuh ds vpkud lhus esa nnZ gks x;k ftls bZykt ds fy, vLirky ys x;s] tgkW e`r ?kksf"kr dj fn;k x;kA ;g Hkh fy[kk gS fd mldh iRuh dh e`R;q vpkud lhus esa nnZ gks tkus ds dkj.k gqbZ gSA bl izdkj bl fjiksVZ esa Loa; ifjoknh us ;g Hkh ugha fy[kk;k gS fd mldh iRuh fxj x;h gks vkSj fxjus ls pksV yxh gksA iqfyl }kjk QnZ iapukek izn'kZ vkj&3@4 esa ftlesa ifjoknh Hkh ,d xokg gS iqfyl us lHkh iapksa dh jk; ds vuqlkj Li"V :i ls e`R;q dk dkj.k vdLekr lhus esa nnZ gksus ds dkj.k e`R;q gksuk fy[kk gSA ;|fi i=koyh esa iksLV ekVZe fjiksVZ izn'kZ&3 Hkh layXu gS ftlesa e`R;q dk dkj.k Heamoraging shock due to internal heamorage due to spleen rupture vafdr gS fdUrq iksLV ekVZe fjiksVZ esa Hkh ifjoknh dh iRuh ds 'kjhj esa dksbZ ,slh pksV ugha ik;h x;h gS rFkk pksV ds dkj.k e`R;q gksuk ugha fy[kk x;k gSA i=koyh esa mi ftyk eftLVªsV Mhx] ftyk Hkjriqj dk exZ Lohd`fr vkns'k fnukad 26-08-2016 ifjoknh ds }kjk izLrqr dh x;h gS ftlesa ;|fi mi ftyk eftLVªsV Mhx] ftyk Hkjriqj us Jhefr papy iRuh Jh cyjke dh e`R;q vpkud fxjus ls pksV yxus ls ,DlhMsUVy 4 jktLFkku jkT; vk;ksx] ifjokn la[;k 50@2019 fu.kZ; fnukad 07-12-2021 crk;h gS fdUrq tSlk fd Åij foospu fd;k x;k gS] mlds vuqlkj ?kVuk gksrs gh ifjoknh Loa; us fyf[kr esa iqfyl Fkkuk Mhx ij e`R;q dh lwpuk tks nh gS ftlesa ;g Hkh ugha fy[kk gS fd mldh iRuh fxj x;h gksA blh izdkj yk'k dk iapukek cukrs le; Hkh ifjoknh Loa; us crkSj iap mifLFkr jgrs gq, ;g Lohdkj fd;k gS fd mldh iRuh dh e`R;q vpkud lhus esa nnZ gksus ds dkj.k gqbZ gSA foi{kh chek dEiuh dh vksj ls bl izdkj.k esa vUos"kd fu;qDr dj tkap djk;h x;h gS ftUgksua s xokgku ds c;ku Hkh fy;s gSAa mUgksua s ;g crk;k gS fd ifjoknh dh iRuh ?kj esa >kMw yxk jgh Fkh tks vpkud fxj x;h ftls vLirky ys tkus ij MkDVj us e`r ?kksf"kr dj fn;kA bl izdkj i=koyh esa miyC/k leLr nLrkostkr ds vk/kkj ij ;g ik;k tkrk gS fd ifjoknh dh iRuh ds vpkud lhus esa nnZ gqvk rFkk og ?kj esa fxj x;h] fdUrq bldk ;g vFkZ ugha fudyrk gS fd ifjoknh dh ifRu fxj xbZ gks rFkk fxjus ls pksV yxus ls ejh gS cfYd ;g vFkZ fudyrk gS fd ifjoknh dh iRuh gkVZ vVSd vkus ds dkj.k fxjh gS rFkk mldh e`R;q gqbZ gSA bl izdkj ge ;g ikrs gaS fd foi{khx.k us bl izdj.k esa ifjoknh dk Dyse nq?kZVuk ls e`R;q gksuk ugha ekurs gq, tks vLohdkj fd;k gS] mlesa dksbZ lsok nks"k ugha gSA Qyr% ;g ifjokn i= [kkfjt fd;s tkus ;ksX; gSA &%% vkns'k %%& ifjoknh ds }kjk foi{khx.k ds fo:} izLrqr ifjokn i= [kkfjt fd;k tkrk gSA mHk;i{k viuk&2 [kpkZ eqdnek ogu djsaxAs ¼jkeQwy xqtZj½ ¼lqjsUnzdqekj tSu½ lnL; lnL;¼U;kf;d½ izlkn 5 jktLFkku jkT; vk;ksx] ifjokn la[;k 122@2017 fu.kZ; fnukad 07-12-2021