State Consumer Disputes Redressal Commission
Sevati Bai vs Central India Motors & Anr. on 1 February, 2016
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fnukad% 01@02@2016
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vihykfFkZuh@ifjokfnuh us ;g vihy /kkjk&15 miHkksDrk laj{k.k
vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje]
// 2 //
fcykliqj ¼N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k
tk,xk½ ds ifjokn izdj.k dzekad&96@2007 lsorh ckbZ fo:) lsaVªy
bafM;k eksVlZ }kjk 'kk[kk izca/kd ,oa ,d vU; esa ikfjr vkns'k
fnukad&18-02-2014 ftlds }kjk vihykfFkZuh@ifjokfnuh ds ifjokn dks
fujLr fd;k x;k gS] ls nqf[kr gksdj izLrqr fd;k gSA
02- vihykfFkZuh@ifjokfnuh dk ifjokn ftyk Qksje ds le{k laf{kIr
esa bl izdkj jgk gS fd vihykfFkZuh@ifjokfnuh }kjk mRrjoknh dz-
1@vukosnd dz-1 ls ,d VsªDVj o Vªkyh dzekad&lh-th-10,@8661
[kjhnh Fkh ftlds fy, mRrjoknh dz-2@vukosnd dz-2 Qk;usal daiuh
}kjk 3]50]000@&¼rhu yk[k ipkl gtkj :Ik;s½ dk yksu Qk;usal fd;k
x;k Fkk vkSj mDr yksu dh lqfo/kk mRrjoknh dz-1@vukosnd dz-1 us
mRrjoknh dz-2@vukosnd dz-2 ls iznku djk;k FkkA vihykfFkZuh@
ifjokfnuh }kjk mRrjoknh dz-1@vukosnd dz-1 dks fnukad&15-06-2005]
20-06-2005] 20-06-2005 ,oa 12-08-2005 dks uxn 1]30]000@&¼,d yk[k
rhl gtkj :Ik;s½] 10]000@&¼nl gtkj :Ik;s½] 10]000@&¼nl gtkj
:Ik;s½ ,oa 3]700@&¼rhu gtkj lkr lkS :Ik;s½ dqy&1]53]700@&¼,d
yk[k frjiu gtkj lkr lkS :Ik;s½ vnk fd;k ftldh jlhn mRrjoknh
dz-1@vukosnd dz-1 }kjk iznku dh xbZA blh izdkj mRrjoknh dz-
2@vukosnd dz-2 ds ikl fnukad&19-09-2005] 25-11-2005] 20-01-2006]
06-02-2006] 08-02-2006 ,oa 22-03-2006 dks dqy 68]600@&¼vM+lB
gtkj N% lkS :Ik;s½ uxn vnk fd;k x;k ftldh Hkh jlhn mRrjoknh
dz-2@vukosnd dz-2 }kjk iznku dh xbZ FkhA vihykfFkZuh@ifjokfnuh
xzkeh.k vui<+ xjhc efgyk gS vkSj vius ifjokj ds vkfFkZd fodkl ds
mn~ns'; ls mDr VsªDVj [kjhnh Fkh vkSj dqy 2]22]300@&¼nks yk[k ckbZl
gtkj rhu lkS :Ik;s½ [email protected] dks vnk dh Fkh rFkk
'ks"k jkf'k vnk djus gsrq ges'kk rRij jgh ijUrq mRrjoknhx.k@
vukosndx.k }kjk nqHkkZoukiwoZd vihykfFkZuh@ifjokfnuh dks fcuk fdlh
// 3 //
lwpuk ds fnukad&07-05-2006 dks mDr VsªDVj ,oa Vªkyh vihykfFkZuh@
ifjokfnuh rFkk mlds ifr dh vuqifLFkfr esa tkap djus ds uke ij cPpksa
ls pkch ysdj rFkk xkM+h ds dkxtkr ysdj okgu dks ys x;sA
vihykfFkZuh@ifjokfnuh }kjk [email protected] ls laidZ djus
ij crk;k x;k fd 15]000@&¼iUnzg gtkj :Ik;s½ dk fd'r cdk;k vnk
dj VsªDVj dks ys tk ldrs gSa ysfdu tc vihykfFkZuh@ifjokfnuh
15]000@&¼iUnzg gtkj :Ik;s½ tek djus xbZ rks 30]000@&¼rhl gtkj
:Ik;s½ dh ekax dh xbZ vkSj ckn esa 60]000@&¼lkB gtkj :Ik;s½ dh ekax
dh xbZ ftlds dkj.k vihykfFkZuh@ifjokfnuh etcwj gksdj fd'r dh
jkf'k iVkus gsrq vihykfFkZuh@ifjokfnuh ds ifr }kjk viuh Hkwfe dks
fodz; djus dk lkSnk Hkh fd;k x;k rFkk iwjh jkf'k vnk djus dh ckr
dgus ij Hkh VsªDVj okil ugha fd;k x;kA mRrjoknh dz-2@vukosnd dz-
2 }kjk mDr VsªDVj o Vªkyh dks voS/kkfud rjhds ls fcuk fdlh lwpuk
;k ekax&i= ds vius dCts esa cyiwoZd fnukad&07-05-2006 dks ys fy;k
x;k ftls mRrjoknh dz-2@vukosnd dz-2 }kjk vius fyf[kr dFku esa
Lohdkj Hkh fd;k x;k gSA vihykfFkZuh@ifjokfnuh us mDr okgu dks
ljs.Mj ugha fd;k gSA mRrjoknh dz-2@vukosnd dz-2 }kjk dwVjfpr ,oa
QthZ nLrkost rS;kj dj mDr laca/k esa la'kks/ku vius fyf[kr dFku esa
fd;k x;k gS tks fd u rks vihykfFkZuh@ifjokfnuh us fu"ikfnr fd;k gS
vkSj uk gh mUgsa izkIr gq, gSaA yksu iznku djrs le; mRrjoknhx.k@
vukosndx.k }kjk crkSj xkjasVj iUukyky vuar dk gLrk{kj fy;k x;k
rFkk ca/kd ds :Ik esa vihykfFkZuh@ifjokfnuh ds ifr /kjew jke dk _.k
iqfLrdk Hkh tek djk;k x;k gS ftlds ckn Hkh mRrjoknhx.k@
vukosndx.k }kjk nqHkkZoukiwoZd mDr okgu dks fd'r vnk u djus ds
uke ij voS/kkfud rjhds ls vius dCts esa fy;k x;k gS tks fd
O;olkf;d dnkpj.k dh Js.kh esa vkrk gS vkSj ftlds dkj.k
vihykfFkZuh@ifjokfnuh dks vkfFkZd rFkk ekufld {kfr mBkuh iM+ jgh
gSA vihykfFkZuh@ifjokfnuh }kjk [email protected] ls ckj&ckj
// 4 //
'ks"k jkf'k fd'r esa vnk djus dk fuosnu djrh jgh ftls u ekudj
[email protected] us dnkpj.k;qDr O;olk; fd;k gS ftlds
dkj.k vihykfFkZuh@ifjokfnuh dks ;g ifjokn ykus dh vko';drk iM+h
gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k iznku dh tkosA
03- mRrjoknh dz-1@vukosnd dz-1 dh vksj ls ftyk Qksje ds le{k
dksbZ fyf[kr dFku ,oa nLrkost izLrqr ugha fd;k x;k gSA
04- mRrjoknh dz-2@vukosnd dz-2 dh vksj ls ftyk Qksje ds le{k
fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd
vihykfFkZuh@ifjokfnuh dk okgu isesaV 'ksM~;wy esa Hkkjh xM+cfM+;ksa ds
dkj.k tIr fd;k x;k gSA ;g izdj.k jkf'k dh fjdOgjh ls lacaf/kr gS tks
fd laf{kIr izfdz;k ls fujkdj.k laHko ugha gS blfy, mRrjoknh dz-
2@vukosnd dz-2 ds fo:) ;g izdj.k izpyu ;ksX; ugha gSA
vihykfFkZuh@ifjokfnuh us yksu ,xzhesaV ds }kjk ,d dkef'kZ;y okgu
dz; fd;k Fkk tks fd iw.kZr% O;olkf;d mn~ns'; gsrq mi;ksx fd;k tk
jgk Fkk bl dkj.k ;g izdj.k **miHkksDrk fookn** u gksus ds dkj.k
izpyu'khy ugha gSA izdj.k esa vihykfFkZuh@ifjokfnuh us Lo;a gh Breach
of Contract dks Lohdkj fd;k gS vkSj ;g Hkh Lohdkj fd;k gS mlus fd'r
vnk;xh esa Hkkjh pwd dh gS tks fd yksu ,xzhesaV ds fu;e o 'krksZa dk
mYya?ku gSA vihykfFkZuh@ifjokfnuh us fd'rksa dh jkf'k le; ij dHkh
tek ugha fd;k Fkk vkSj vihykfFkZuh@ifjokfnuh ls vHkh Hkh 50]827@&
¼ipkl gtkj vkB lkS lRrkbZl :Ik;s½ dh jkf'k VsªDVj fodz; djus ds
mijkar fudyrk gS tks mRrjoknh dz-2@vukosnd dz-2] vihykfFkZuh@
ifjokfnuh ls izkIr djus dk vf/kdkjh gSA vuqca/k ds le;
vihykfFkZuh@ifjokfnuh dks iwjs vuqca/k 'krksZa dks fganh esa lquk;k ,oa
le>k;k x;k FkkA mRrjoknh dz-2@vukosnd dz-2 }kjk fdlh izdkj ls
lsok esa dksbZ deh ugha dh xbZ gSA vr% ifjokn fujLr fd;k tkosA
// 5 //
05- ftyk Qksje us iwoZ esa fnukad&22-01-2008 dks vkns'k ikfjr djrs
gq, vihykfFkZuh@ifjokfnuh ds ifjokn dks Lohdkj dj ;g vknsf'kr
fd;k x;k Fkk fd%&
¼v½ vukosnd dzekad&2] vkosfndk dks 35]000@&¼iSarhl gtkj
:Ik;s½ VsªDVj ds cktkj ewY; ds :Ik esa de jkf'k ij {kfr ds :Ik
esa vfrfjDr :Ik ls iznku djsxkA lkFk esa ekufld {kfr ds fy,
nkf.Md uqdlkuh ds :Ik esa 10]000@&¼nl gtkj :Ik;s½ iznku
djsxkA
¼c½ lHkh jkf'k vkns'k frfFk ds nks ekg dh vof/k ds vUnj
vukosnd dzekad&2 }kjk vkosfndk dks ns; gksxh rFkk jkf'k dk
Hkqxrku u gksus ij olwyh rd 35]000@&¼iSarhl gtkj :Ik;s½ dh
jkf'k ij vkosfndk VsªDVj fodz; ds fnukad ls olwyh rd 07
izfr'kr dh nj ls C;kt ikus dh vf/kdkfj.kh gksxhA
¼l½ oknO;; ds :Ik esa vukosnd dzekad&2] vkosfndk dks
1]000@&¼,d gtkj :Ik;s½ dh jkf'k iznku djsxkA
¼n½ vukosnd dzekad&1 vuqrks"k iznku djus ds fy, mRrjnk;h
ugha gS ,oa Lo;a dk oknO;; vukosnd dzekad&1 ogu djsxkA**
mDr vkns'k ds fo:) vihykfFkZuh@ifjokfnuh us vihy dzekad&
85@2008 Jherh lsorh ckbZ fo:) lsaVªy bafM;k eksVlZ }kjk 'kk[kk
izca/kd ,oa ,d vU; rFkk mRrjoknh dz-2@vukosnd dz-2 efgUnzk ,.M
efgUnzk Qk;usaf'k;y lfoZlsl fyfeVsM us vihy dzekad&125@2008 esllZ
efgUnzk ,.M efgUnzk Qk;usaf'k;y lfoZlsl fyfeVsM fo:) Jherh lsorh
ckbZ ,oa ,d vU; lafLFkr fd;k Fkk ftlesa bl vk;ksx }kjk fnukad&21-
08-2009 dks vkns'k ikfjr djrs gq, ;g vknsf'kr fd;k x;k Fkk fd%&
"13. Considering these aspects of the matter, we allow both these
appeals subject to payment of cost Rs.1,500/- by the financer to the
complainant. We set aside the impugned order and direct the District
Forum to provide an opportunity to both parties to amend their
pleadings, if they feel it necessary and to produce any further
// 6 //
evidence. Parties are directed to appear before the District Forum,
Bilaspur on 14.09.2009. Documents which have been filed by the
financer along with application under Order 41 Rule 27 CPC be sent
to District Forum along with copy of this order.
mDr vkns'k ds ifjizs{; esa ftyk Qksje }kjk mRrjoknh dz-
2@vukosnd dz-2 }kjk izLrqr vkosnu&i= varxZr vkns'k&6 fu;e&17
lh- ih- lh- dks fnukad&21-07-2010 dks Lohdkj djrs gq, izLrkfor
la'kks/ku lekfo"V djus gsrq vknsf'kr fd;k x;k Fkk ftlds fo:)
vihykfFkZuh@ifjokfnuh dh vksj ls vihy dzekad&518@2010 lsorh ckbZ
fo:) lsaVªy bafM;k eksVlZ }kjk 'kk[kk izca/kd ,oa ,d vU; lafLFkr fd;k
x;k Fkk ftlesa bl vk;ksx }kjk fnukad&10-09-2010 dks ;g vknsf'kr
fd;k x;k Fkk fd%&
"5. Thus, we find that the District Forum has not committed any
illegality in allowing the application filed by respondent No.2 under
Order 6 Rule 17 of CPC for amendment in the written version. The appeal is devoid of merits and deserves to be dismissed at the threshold, so the same is hereby dismissed in limine. No order as to cost of this appeal."
mDr vkns'k ds Ik'pkr~ ftyk Qksje }kjk mHk;i{kksa dks lquokbZ dk volj fn;s tkus ds mijkar fnukad&18-02-2014 dks vkns'k ikfjr djrs gq, vihykfFkZuh@ifjokfnuh ds ifjokn dks fujLr fd;k x;k gS ftlds fo:) ;g vihy gSA 06- vihykfFkZuh@ifjokfnuh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k yksu iziksty (Annexure A-1)] lsaVªy bafM;k eksVlZ dh ikorh fnukad&15-06-2005] 20-06-2005] 12-08-2005 (Annexure A-2 to A-
6)]efgUnzk ,.M efgUnzk QkbZusaf'k;y lfoZlsl fyfeVsM dh ikorh fnukad& 19-09-2005] 25-11-2005] 20-01-2006] 06-02-2006] 08-02-2006] 22-03-2006 (Annexure A-7 to A-11)] lfVZfQdsV vkWQ jftLVªs'ku (Annexure A-12)] vihykfFkZuh@ifjokfnuh }kjk dysDVj] fcykliqj dks izsf"kr i= // 7 // fnukad&16-03-2007 (Annexure A-13)] bdjkjukek fnukad&12-07-2006 (Annexure A-14) dh QksVks dkih izLrqr dh gSA 07- mRrjoknh dz-2@vukosnd dz-2 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k vf/koDrk uksfVl ,oa iksLVy jlhn fnukad&07-12- 2006 (Annexure B-1/1 to B 1/2) rFkk yksu ,xzhesaV (Annexure B 2/1 to B 2/3) rFkk vihykfFkZuh@ifjokfnuh }kjk okgu lqiqnZxh gsrq izLrqr vkosnu fnukad&11-05-2006] pkch o okgu lqiqnZxh gsrq izLrqr vkosnu fnukad&04- 02-2006] efgUnzk Qk;usal }kjk vihykfFkZuh@ifjokfnuh dks izsf"kr uksfVl fnukad&27-06-2006 ,oa izkfIr Lohd`fr jlhn] efgUnzk ,.M efgUnzk QkbZusaf'k;y lfoZlsl fyfeVsM }kjk vihykfFkZuh@ifjokfnuh dks izsf"kr Vsyhxzke fnukad&18-10-2006 i=] iqfyl v/kh{kd }kjk eukst xqIrk ,oa v:.k lksuh dks izsf"kr uksfVl fnukad&06-03-2007] vihykfFkZuh@ ifjokfnuh }kjk vkns'k&41 fu;e&27 lh- ih- lh- dk izLrqr tokc ,oa 'kiFk&i= fnukad&18-06-2009 dk vly ,oa QksVks dkih rFkk efgUnzk Qk;usal }kjk vihykfFkZuh@ifjokfnuh dks izsf"kr i= fnukad&11-05-2006] lsaVªy bafM;k eksVlZ dk buokbZl fnukad&28-06-2005 dh QksVks dkih rFkk vihykfFkZuh@ifjokfnuh ds [kkrs dk fooj.k] LVsVesaV vkWQ ,dkÅ.V dh QksVks dkih izLrqr fd;k gSA 08- vihykfFkZuh@ifjokfnuh dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh ch- ds ik.Ms; dk ;g rdZ gS fd ftyk Qksje dk vkns'k =qfViw.kZ gSA ftyk Qksje us vihykfFkZuh@ifjokfnuh }kjk fd, x, vfHkopuksa ,oa nLrkostksa dk mfpr foospu ugha fd;k gS rFkk egRoiw.kZ rF;ksa dks vuns[kh dj vkns'k ikfjr fd;k gSA vihykfFkZuh@ifjokfnuh dks okgu tIrh ds iwoZ dksbZ fof/kd lwpuk ugha fn;k x;k FkkA tc vihykfFkZuh@ifjokfnuh vkSj mlds ifr ?kj ij ugha Fks rks okgu ejEer djkuk gS dgrs gq, diViwoZd vihykfFkZuh@ifjokfnuh ds cPpksa ls VsªDVj // 8 // ,oa Vªkyh dk pkch ysdj mRrjoknh dz-2@vukosnd dz-2 ds deZpkjh ys x, FksA vihykfFkZuh@ifjokfnuh }kjk okgu ljs.Mj ugha dh xbZ FkhA vihykfFkZuh@ifjokfnuh vf'kf{kr efgyk gS o vaxwBk yxkrh gS ysfdu dfFkr ljs.Mj i= gS mlesa vihykfFkZuh@ifjokfnuh dk gLrk{kj gSA blls Li"V gS fd mRrjoknh dz-2@vukosnd dz-2 }kjk dwVjfpr ,oa QthZ nLrkost rS;kj fd;k x;k gSA vihykfFkZuh@ifjokfnuh us fdlh izdkj dk dksbZ ljs.Mj i= fu"ikfnr ugha fd;k gSA vihykfFkZuh@ifjokfnuh vaxwBk yxkrh gS] tcfd ljs.Mj i= esa gLrk{kj gSA blls Li"V gS fd nLrkost dwVjfpr gSA vihykfFkZuh@ifjokfnuh fu;ekuqlkj jkf'k dh vnk;xh djrs jgh gS vkSj bl izdkj mRrjoknh dz- 2@vukosnd dz-2 }kjk fof/kd izko/kkuksa dk ikyu fd, fcuk okgu tIr fd;k x;k gS vkSj dCts esa fy;k x;k gSA ,slh fLFkfr esa vihykfFkZuh@ifjokfnuh] okgu dk dCtk izkIr djus dh vf/kdkfj.kh gS vkSj ftyk Qksje us tks vkns'k ikfjr fd;k gS og =qfViw.kZ gSA vr% vihykfFkZuh@ifjokfnuh dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA 09- mRrjoknh dz-1@vukosnd dz-1 lsaVªy bafM;k eksVlZ dh vksj ls uksfVl rkehyh ds ckn Hkh dksbZ mifLFkr ugha gSA 10- mRrjoknh dz-2@vukosnd dz-2 dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh ,e- ,y- ;kno us ftyk Qksje }kjk ikfjr vkyksP; vkns'k dk leFkZu djrs gq, fuosnu fd;k gS fd vihykfFkZuh@ifjokfnuh }kjk ljs.Mj i= fn;k x;k FkkA vihykfFkZuh@ifjokfnuh }kjk fu;fer fd'r dh vnk;xh ugha dh xbZ gSA vihykfFkZuh@ifjokfnuh }kjk ek= nks fd'r vnk fd;k x;k gS mls Hkh vkB ckj esa tek dh xbZ gS ftlls Li"V gS fd vihykfFkZuh@ifjokfnuh }kjk fd'r dh vnk;xh esa pwd djrs jgh gS rFkk vihykfFkZuh@ifjokfnuh Lo;a }kjk okgu ljs.Mj dh Fkh vkSj // 9 // ftlds vk/kkj ij okgu tIr dh xbZ Fkh vkSj dfFkr nLrkost esa vihykfFkZuh@ifjokfnuh ds ifr dk xokg ds :Ik esa gLrk{kj gSA vihykfFkZuh@ifjokfnuh gLrk{kj djrh gS ;k vaxwBk yxkrh gS] ;g lk{; dk fo"k; gSA vihykfFkZuh@ifjokfnuh }kjk ;g vk{ksi fd;k x;k gS fd nLrkost dwVjfpr gS vkSj ,slh fLFkfr esa vihykfFkZuh@ifjokfnuh ds fy, vko';d gS fd og nLrkost dh lR;rk dh tkap ds laca/k esa flfoy U;k;ky; esa okn lafLFkr djs] ftyk Qksje dks dwV jpuk ds vk/kkj ij fopkj.k dk {ks=kf/kdkj ugha gS vkSj vihykfFkZuh@ifjokfnuh }kjk jkf'k tek ugha fd;k x;k gS vkSj vihykfFkZuh@ifjokfnuh }kjk _.k jkf'k tek ugha fd;s tkus ds dkj.k ls okgu ij dCtk djus dk mRrjoknh dz- 2@vukosnd dz-2 dk vf/kdkj gS rFkk yksu ,xzhesaV esa ;g 'krZ mYysf[kr gS vkSj mlh 'krZ ds v/khu okgu dk iqu% dCtk fy;k x;k gSA mRrjoknh dz-2@vukosnd dz-2 }kjk fdlh izdkj ds fof/kd izko/kkuksa dk mYya?ku ugha fd;k x;k gSA ftyk Qksje dk vkns'k iw.kZr% fof/k lEer vkns'k gS] mlesa fdlh izdkj ds gLr{ksi dh vko';drk ugha gSA vr% vihykfFkZuh@ifjokfnuh dh vihy fujLr fd;k tkosA 11- 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;kA 12- ;g vfookfnr gS fd vihykfFkZuh@ifjokfnuh lsorh ckbZ us mRrjoknh dz-2@vukosnd dz-2 ls foRrh; lgk;rk izkIr dj VsªDVj ,oa Vªkyh dzekad&lh-th-10,@8661 dks mRrjoknh dz-1@vukosnd dz-1 lsaVªy bafM;k eksVlZ ls dz; dh Fkh rFkk ;g Hkh vfookfnr gS fd vihykfFkZuh@ifjokfnuh }kjk mRrjoknh dz-2@vukosnd dz-2 ds i{k esa yksu ,xzhesaV fu"ikfnr fd;k x;k FkkA vihykfFkZuh@ifjokfnuh us vius ifjokn&i= esa ;g mYysf[kr fd;k gS fd mlus mRrjoknh dz- 2@vukosnd dz-2 ds ikl fnukad&19-09-2005] 25-11-2005] 20-01-2006] // 10 // 06-02-2006] 08-02-2006 vkSj 20-03-2006 dks 68]600@&¼vM+lB gtkj N% lkS :Ik;s½ dh uxn jkf'k vnk dh FkhA vfHkys[k ds ifj'khyu ls ;g izdV gksrk gS fd lafonk 'krksZa ds vuqlkj vihykfFkZuh@ifjokfnuh dks 36]900@&¼NRrhl gtkj ukS lkS :Ik;s½ izfr frekgh fd'r dk Hkqxrku djuk Fkk] tcfd ifjokn&i= ds vuqlkj gh vihykfFkZuh@ifjokfnuh us fnukad&19-09-2005 ls ysdj 20-03-2006 rd yxHkx 06 ckj esa 68]600@&¼vM+lB gtkj N% lkS :Ik;s½ dk Hkqxrku mRrjoknh dz- 2@vukosnd dz-2 dks fd;k gS] tcfd fu;ekuqlkj 36]900@&¼NRrhl gtkj ukS lkS :Ik;s½ =Sekfld vnk djuk FkkA ,slh fLFkfr esa ekpZ 2006 rd tks Hkqxrku gksuk Fkk og yxHkx 1]10]700@&¼,d yk[k nl gtkj lkr lkS :Ik;s½ gksrk gS ijUrq vihykfFkZuh@ifjokfnuh }kjk ek= 68]600@&¼vM+lB gtkj N% lkS :Ik;s½ dk gh Hkqxrku fd;k x;k gSA blls Li"V gS fd vihykfFkZuh@ifjokfnuh }kjk fu;fer fd'r dk Hkqxrku ugha fd;k x;k gSA mRrjoknh dz-2@vukosnd dz-2 dh vksj ls fnukad&11-05-2006 ,oa 04-02-2006 dk i= izLrqr fd;k x;k gS] bu nksuksa i= esa vihykfFkZuh@ifjokfnuh }kjk Li"V :Ik ls mYysf[kr fd;k x;k gS fd og fu;fer fd'r Hkqxrku ugha dj ik jgh gS blfy, daiuh okgu cspdj viuh gkfu dh iwfrZ djs rFkk i= fnukad&04-02-2006 ds vuqlkj vihykfFkZuh@ifjokfnuh us LosPN;k pkch lkSaius dk Hkh mYys[k fd;k gS vkSj daiuh dks okgu cspdj gkfu dh iwfrZ djus gsrq daiuh dks vf/kd`r dh gSA 13- 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 // 11 // 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."
14. 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)."
15. 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%& // 12 // "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."
16. 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 // 13 // 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.
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 // 14 // 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. Citicorp. Maruti Finance Ltd. v. S. Vijayalaxmi, AIR 2012 Supreme Court 509, esa ekuuh; loksZP; U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "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 // 15 // 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- mRrjoknh dz-2@vukosn dz-2 dh vksj ls vihykfFkZuh@ifjokfnuh dks fnukad&27-06-2006 dks ,d jftLVMZ uksfVl Hkstk Fkk vkSj bl uksfVl esa Hkh okgu vihykfFkZuh@ifjokfnuh }kjk ljs.Mj fd;s tkus dk mYys[k gSA bl izdkj ;g Li"V gS fd mRrjoknh dz-2@vukosnd dz-2 }kjk fu;ekuqlkj fof/kor~ lwpuk nsus ds Ik'pkr~ vihykfFkZuh@ifjokfnuh }kjk fd'r dh vnk;xh ugha djus ij okgu dh tIrh dh xbZ gSA mRrjoknh dz-2@vukosnd dz-2 dh vksj ls ,d nLrkost izLrqr fd;k x;k gS tks fd iqfyl v/kh{kd }kjk eukst xqIrk ,oa v:.k lksuh dks izsf"kr i= gS] mlds ifj'khyu ls ;g izrhr gksrk gS fd vihykfFkZuh@ifjokfnuh dh f'kdk;r ij tkap dh xbZ Fkh ijUrq tkap ds mijkar D;k dk;Zokgh dh xbZ] bldk dksbZ nLrkost izLrqr ugha fd;k x;k gSA tcfd mRrjoknh dz- 2@vukosnd dz-2 }kjk vihykfFkZuh@ifjokfnuh dks fu;ekuqlkj lwpuk&i= izsf"kr fd;k x;k gS] mlds ckn Hkh vihykfFkZuh@ifjokfnuh }kjk fd'r dh vnk;xh ugha dh xbZ rFkk vihykfFkZuh@ifjokfnuh us Lo;a okgu ljs.Mj djus vkSj okgu dks fodz; dj jkf'k dh olwyh fd;s tkus gsrq mRrjoknh dz-2@vukosnd dz-2 dks i= izsf"kr dh gSA // 16 // vihykfFkZuh@ifjokfnuh ds vuqlkj mDr i= dwVjfpr gS] ijUrq bl laca/k esa vihykfFkZuh@ifjokfnuh dh vksj ls dksbZ lk{; izLrqr ugha fd;k x;k gS vkSj okLro esa nLrkost dwVjfpr gS ;k ugha] ;g ftyk Qksje }kjk fopkj ugha fd;k tk ldrk gS] blds fy, vihykfFkZuh@ifjokfnuh dks l{ke flfoy U;k;ky; esa gh dk;Zokgh fd;k tkuk pkfg, FkkA 19- ftyk Qksje us vihykfFkZuh@ifjokfnuh }kjk nksuksa nLrkost ds laca/k esa vk{ksi fd;s tkus ds laca/k esa vius vkns'k dh dafMdk&13 esa ;g Li"V :Ik ls mYysf[kr fd;k gS fd **nksuksa i=ksa dks vkosfndk dh vksj ls ekeys esa dksbZ pqukSrh ugha nh xbZ gS vkSj u gh mUgsa >qBykus dk iz;k; fd;k x;k gS] tcfd og pkgrh rks vaxwBk fu'kku ,oa gLrk{kj ds feyku ds fy, gLrfyfi fo'ks"kK ls ijh{k.k djkus ds fy, vkosnu is'k dj ldrh Fkh] tcfd mlds }kjk ,slk dqN Hkh ugha fd;k x;k gS** vkSj ,slh fLFkfr esa mRrjoknh dz-2@vukosnd dz-2 dk ;g dFku fd vihykfFkZuh@ifjokfnuh }kjk Lo;a okgu dks leiZ.k fd;k x;k gS] Lohdkj ;ksX; gSA 20- pwafd yksu ,xzhesaV ds varxZr tc rd fd _.k dh vnk;xh ugha gks tkrk gS] okgu dk okLrfor Lokeh Qk;usa'kj cuk jgrk gS vkSj mls okgu dks iqu% vkf/kiR; esa ysus dk vf/kdkj gS vkSj mRrjoknh dz- 2@vukosnd dz-2 us fof/kor~ lwpuk nsus ds Ik'pkr~ gh okgu dk dCtk izkIr fd;k Fkk] mlesa fdlh izdkj dh voS/kkfudrk ugha Fkh vkSj u gh mlus dksbZ lsok esa deh fd;k FkkA vr% ftyk Qksje us tks fu"d"kZ fudkyk gS] og iw.kZr% mfpr gS vkSj mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gSA 21- vr% vihykfFkZuh@ifjokfnuh dh vksj ls izLrqr vihy lkjghu gksus ls fujLr fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k // 17 // fnukad&18-02-2014 dh iqf"V dh tkrh gSA izdj.k dh ifjfLFkfr;ksa dks ns[krs gq, bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj- ,l- 'kekZ½ ¼lqJh fguk BDdj½ ¼Mh- ds- iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL;k lnL; lnL;
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