State Consumer Disputes Redressal Commission
Shobha Chand vs Icici Bank on 14 December, 2020
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mifLFkr %& vihykFkhZ dh vksj ls Jh iou 'kekZ] vf/koDrk] mifLFkr ughaA izR;FkhZ dh vksj ls Jh , vkj VkafV;k] vf/koDrk] tfj;s ohfM;ks dkWUQzsflax vkns'k fnukad 14 fnlEcj] 2020 jkT; vk;ksx jktLFkku t;iqj }kjk Jh dey dqekj ckxM+h] ;g vihy 'kksHkkpUn Hkkstd dh vksj ls vkbZ lh vkbZ lh vkbZ cSad fy- o vU; ds fo:} ftyk miHkksDrk fookn izfrrks"k eap] pq:] jktLFkku ds fu.kZ; fnukad 09-08-2017 ds fo:} izLrqr dh gSaA izdj.k ds rF; la{ksi esa bl izdkj gSa fd izkFkhZ us vizkFkhZx.k ls vizkFkhZx.k ds vf/kd`r ÝSUpkbZth jkepUnz jktksfr;k pw: ds }kjk vizkFkhZ la[;k 1 o"kZ 2003 esa _.k fy;k FkkA mDr _.k ds le; vizkFkhZx.k }kjk izkFkhZ ls izfrHkwfr ds Lo:i izkFkhZ dh lEifr ds ewy nLrkost fy;s x;s FksA vizkFkhZx.k }kjk izkFkhZ ds Hkwfe dh vly jftLVªh] iV~Vk eksjxst dj izkFkhZ dks _.k fn;k FkkA mDr _.k iw.kZ gksus ds i'pkr izkFkhZ }kjk mDr nLrkostkr ds vk/kkj ij vizkFkhZx.k ls iqu% o"kZ 2007 esa 2]50]175@&:i;s dk _.k fy;k FkkA izkFkhZ }kjk _.k ysus ds i'pkr~ _.k dh fd'rksa dh vnk;xh le; ij dh tkrh jgh gS 2 rFkk izkFkhZ }kjk vizkFkhZx.k ls fy;k x;k leLr _.k pqdk fn;k x;k gSA izkFkhZ }kjk vizkFkhZx.k ds ;gka le;≤ ij fd'rksa dh vnk;xh vizkFkhZ la[;k 2 ds ;gka Hkh dh tkrh jgh gSA izkFkhZ }kjk vizkFkhZx.k dks _.k Lo:i nh xbZ jkf'k dk e; C;kt fnukad 13-06-2015 dks iw.kZ Hkqxrku dj fn;k x;k gSA ftl ij vizkFkhZx.k us izkFkhZ ls vius ewy nLrkost izkfIr gsrq lwpuk fHktok;h x;hA vizkFkhZx.k dh lwpuk ij fnukad 24-06- 2015 dks izkFkhZ vizkFkhZ la[;k 1 ds ;gka mifLFkr gqvkA vizkFkhZ la[;k 1 ds vf/kdkjh;ksa }kjk ewy nLrkost ds :i esa izkFkhZ dks dsoy ,u-vks-lh- o ikWoj vkWQ vVuhZ gh fn;s Fks tcfd izkFkhZ dh izksiVhZ ds nLrkost vizkFkhZx.k }kjk gSM vkWfQl ls ugha vkus dk dgrs gq, ckn esa nsus dks dgkA izkFkhZ us vkxs crk;k fd izkFkhZ ckj&ckj vizkFkhZ la[;k 1 ds ;gka ewy nLrkost dh ekax djrk jgkA ijUrq vizkFkhZx.k izkFkhZ dks dsoy vk'oklu gh nsrs jgsA ewy nLrkost ugha ykSVk;s ftl ij izkFkhZ us yksdk;qDr ds ;gka f'kdk;r dh mlds ckotwn Hkh izkFkhZ dks dsoy vk'oklu fn;k tk jgk gSA izkFkhZ us crk;k fd izkFkhZ us vius iq= ds O;olk; gsrq ,p-;w- QkbZuUs l ls lgvkosnd ds :i esa _.k gsrq vkosnu fd;k ijUrq mDr QkbZusUl dEiuh us ewy nLrkost ds vHkko esa _.k nsus ls euk dj fn;kA ftl dkj.k izkFkhZ ds lkFk&lkFk izkFkhZ ds iq= dks Hkh vius O;olk; dks pykus o vkxs c<kus esa ijs'kkuh gks jgh gSaA vizkFkhZx.k }kjk fnukad 26-06-2015 dks ,d i= ls izkFkhZ dks crk;k fd mlds vly nLrkost xqe gks pqds gSa vkSj izkFkhZ dks 10]000&15000@&:i;s izkIr dj MqIyhdsV nLrkost fudyokus dh lykg nh vkSj vly nLrkost nsus ls lkQ bUdkj dj fn;kA vizkFkhZx.k dk ;g nkf;Ro Fkk fd _.k dh iw.kZ vnk;xh ds rqjUr i'pkr izkFkhZ dks mlds }kjk tek djok;s x;s vly nLrkost ykSVkrsA ijUrq vkt rd vizkFkhZx.k us ewy nLrkost ugha ykSVk;s tks vizkFkhZx.k dk lsoknks"k gSA vizkFkhZx.k dh badkjh ij izkFkhZ us ifjokn is'k dj vius }kjk tek djok;s x;s ewy nLrkost ftuesa jftLVªh] ,u-vks-lh-] ikWoj vkWQ vVuhZ fnykus] 5]00]000@&:i;s vkfFkZd uqdlku] ekufld izfrdj o ifjokn O;; fnykus dh ekax dh gSA vizkFkhZ la[;k 1] 2 o 3 us izkFkhZ ds ifjokn dk fojks/k djrs gq, tokc is'k dj crk;k fd izkFkhZ ds }kjk cSad vkWQ cM+kSnk ls _.k fy;k Fkk tks VªkalQj gqvk FkkA mDr _.k dh vnk;xh ds ckn cSad vkWQ cM+Sknk ds }kjk gkWe yksu ds [kkrs esa tek djus gsrq ,d pSd fn;k FkkA rc rd ,u-vks-lh- o ikWoj 3 vkWQ vVuhZ gh cSad ds ikl Fkh vly nLrkost cSad ds ikl gh FksA tks ckn esa cSad vkWQ cM+kSnk ds }kjk vizkFkhZx.k ds ;gka ugha fHktok;s D;ksfa d yksu Lohd`r gksdj vnk;xh gks pwdh FkkA bl dkj.k cSad ds deZpkjh@vf/kdkjh dk ewy nLrkost dh vksj /;ku ugha x;k vkSj [kkrk nLrkostksa ds cxSj gh pyrk jgkA izkFkhZ ds }kjk fyQkQs esa ,u-vks-lh- o ikWoj vkWQ vVuhZ nh Fkh tks cSad ds ikl lqjf{kr gSA izkFkhZ }kjk vuko';d :i ls feF;k vk/kkj ij nokc cuk;k tk jgk gSA ;g Hkh crk;k fd izkFkhZ dk iwoZ esa yksu Lohd`r gksus ds dkj.k iwoZ cSad ds }kjk nLrkost vizkFkhZ cSad ds ikl tek ugha djok;s ftldk Qk;nk mBkuk pkgrk gSA vizkFkhZ cSad dk dksbZ lsoknks"k ugha gSA vizkFkhZ cSad us izkFkhZ dks izekf.kr izfrfyfi izkIr dj vizkFkhZ cSad ds ;gka izLrqr djus dk fuosnu fd;k Fkk vkSj izekf.kr izfrfyfi ij [kpZ jkf'k cSad vnk djus dks rS;kj gSA vizkFkhZx.k us mijksDr vk/kkj ij ifjokn viuh gn rd [kkfjt djus dh ekax dh gSA vizkFkhZ la[;k 4 us izkFkhZ ds ifjokn dk fojks/k djrs gq, tokc is'k dj crk;k fd vizkFkhZ la[;k 4 dks xyr :i ls i{kdkj cuk;k gSA jkepUnz jktksfr;k vizkFkhZ la[;k 4 ÝsUpkbZth ugha gS cfYd mDr jkepUnz vizkFkhZ la[;k 1 o 3 dk ÝsUpkbZth gSaA vizkFkhZ la[;k 1 o 3 us ;g feF;k vafdr fd;k gS fd fcuk LokfeRo o nLrkost ds gh vizkFkhZ la[;k 1 o 3 us _.k ns fn;kA vizkFkhZ la[;k 1 o 3 ds }kjk vius i= fnukad 26-06-2015 dks vly lEifr nLrkost o yksu DyhjsUl lfVZfQdsV izkFkhZ dks izkIr djus ckcr fy[kk FkkA vius Loa; ds i= ds foijhr vizkFkhZ la[;k 1 o 3 us tokc izLrqr fd;k gSA vkxs crk;k fd vizkFkhZ la[;k 4 cSad ls izkFkhZ us dksbZ _.k ugha fy;k cfYd izkFkhZ dh /keZifRu Jhefr fp=ys[kk fnukad 12-03-2007 dks gkml yksu fy;k Fkk vkSj vius uke ds LokfeRo foys[k crkSj izR;kHkwfr vizkFkhZx.k cSad ds i{k esa ca/kd fd;s Fks tks fnukad 15-07-2015 dks _.k [kkrk cUn djokus ds i'pkr~ okfil izkIr dj fy;sA vizkFkhZx.k cSad ds ikl izkFkhZ o mldh /keZifRu ds uke dk dksbZ lEifr foys[k ekStwn ugha gSA uk gh vizkFkhZ cSad us izkFkhZ dh lEifr ds nLrkost ca/kd fd;s x;sA izkFkhZ vizkFkhZ la[;k 4 dk miHkksDrk ugha gSA blfy, izkFkhZ dk ifjokn dkuwu miHkksDrk fookn dh Js.kh esa ugha vkrk gSA vizkFkhZ la[;k 4 dk izkFkhZ ds izfr dksbZ lsoknks"k fdlh Hkh :i esa ugha jgkA mDr vk/kkj ij ifjokn [kkfjt djus dh ekax dhA 4 cgl vf/koDrk izR;FkhZ tfj;s ohfM;ks dkWUQzsflax lquh x;h rFkk i=koyh dk v?kksiku voyksdu o euu fd;k x;kA ifjoknh us _.k fy;k] izfrHkwfr Lo:i vly jftLVªh] iV~Vk eksjxst esa j[ks] _.k dk Hkqxrku dj fn;k] ewy nLrkostksa dh ekax dh] ek= ,u vkbZ lh o ikoj vkWQ vVksZuh nh] 'ks"k nLrkost ugha fn;s] ifjokn nk;j djus rd ugha ykSVk;s x;sA fo}ku ftyk eap us ifjokn Lohdkj djds 50]000@&:Ik;s vkfFkZd {kfriwfrZ] 10]000@&:Ik;s ekufld izfrdj o ifjokn O;; fnyk;s gSa tks ifjoknh ds vuqlkj de gSaA bl laca/k esa III (2018) CPJ 122 (NC) SHEEL SOHAL & ANR. V/s AXIS BANK LIMITED esa ekuuh; jk"Vªh; vk;ksx us fuEu fu/kkZfjr fd;k gSa %& Consumer Protections Act, 1986 - Section 2(1)(g), 14(1)(d), 21(a)(i) - Banking and Financial Institutions and Services - Housing loan - Loan repaid - Title documents having been lost or misplaced, were not returned to complainant - Alleged deficiency in service - Bank ought to have kept the valuable documents in safe custody and ought to have ensured that same are duly returned to borrower after repayment of loan - Bank was negligent in rendering services to complainants who were their consumers - No one would extend a loan against equitable mortgage of property only by deposit of copies of title documents of house and lender would insist upon deposit of original title documents in order to safeguard its own interest - No purchaser will give full value of house to seller unless he is able to receive all original title documents of immovable property subject matter of transaction - There will be erosion in market value of flat if it is sold in market without original title documents, though no evidence has been led by parties to prove what precisely is likely to be loss if said house/flat is sold in open market without original title documents - Compensation @ Rs. 10,00,000 awarded.
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