State Consumer Disputes Redressal Commission
Punjab National Bank vs Om Prakash Shrivastava on 13 September, 2021
1 e/;izns'k jkT; miHkksDrk fookn izfrrks"k.k vk;ksx] 76] vjsjk fgYl] Hkksiky-
¼izLrqr vihy ftyk vk;ksx] nfr;k }kjk izdj.k Øekad 21@2013 esa ikfjr vkns'k fnuakd 25&4&2014 ls mn~Hkwr½ izFke vihy Øekad % 857@2014 iatkc us'kuy cSad] }kjk 'kk[kk izca/kd] xka/kh jksM 'kk[kk] nfr;k ¼e-iz-½ &&&&&&& vihykFkhZ fo:) Jh vkse izdk'k JhokLro vkRet Jh jke lgk; JhokLro] fuoklh jktsUnz Hkkjrh dh xyh] eqfM;u dk dq¡vk] nfr;k ¼e-iz-½ &&&&&&&izfrvihykFkhZ %% le{k %% ekuuh; MkW- eksfudk efyd % ihBklhu lnL;
ekuuh; Jh ,l-,l- clay % lnL;
%% i{kdkjx.k }kjk %% vihykFkhZ ds fy;s Jh eukst 'kkgh] vf/koDrkA izfrvihykFkhZ }kjk lqJh fLerk 'kekZ] vf/koDrkA vkns'k ¼fnuakd 13&09&2021 dks ikfjr½ ekuuh; lnL; Jh ,l-,l- caly vuqlkj %& 1& ;g vihy miHkksDrk laj{k.k vf/kfu;e] 1986 dh /kkjk 15 ds varxZr ftyk miHkksDrk fookn izfrrks"k.k vk;ksx] nfr;k ¼ftls vkxs ßftyk vk;ksxÞ fy[kk x;k gS½ ds 2 izdj.k Øekad 21@2013 esa ikfjr vkns'k fnuakd 25&4&2014 ls vlarq"V gksdj vihykFkhZ@vukosnd }kjk izLrqr dh xbZ gSA 2& izdj.k dk laf{kIr fooj.k ;g gS fd ifjoknh@izfrvihykFkhZ vkseizdk'k us ftyk vk;ksx esa ifjokn izLrqr dj crk;k fd mlds }kjk iatkc us'kuy cSd ls MsfcV dkMZ ¼,Vh,e½ izkIr fd;k gqvk gSA fnuakd 24&8&2012 ls ysdj fnuakd 2&9&2012 dh vof/k ds nkSjku dbZ ckj 2&3 gtkj bR;kfn dh vkWuykbZu] mlds [kkrs ls :i;k 1]03]000@& dh [kjhnnkjh gqbZ tcfd mlds }kjk dksbZ vkWuykbZu [kjhnnkjh ugha dh FkhA mlds }kjk fdlh dks fiu ugha crk;k] dksbZ ,l,e,l ugha vk;k] vksVhih ugha vk;hA bl izdkj cSad dh lsok esa deh crkdj ftyk vk;ksx esa ifjokn izLrqr fd;kA ftyk vk;ksx us lquokbZ dj fu"d"kZ fudkydj ifjokn Lohdkj djrs gq;s fuEukuqlkj vkns'k ikfjr fd;k %& ß6& gekjs er esa vkosnd dh lk{; fo'oluh gSA vkosnd }kjk vukosnd ds ;gka vksu ykbZu 'kkWfiax dh lqfo/kk vius [kkrs ij pkgs tkus lac/a kh dksbZ Hkh izek.k vukosnd izLrqr djus esa vlQy jgk gSA ;fn vkosnd dk vkosnu us vkWuykbZu 'kkWfiax dh lqfo/kk pkgh gksrh rks vukosnd bl ckcr vkosnd dk vkosnu is'k djrkA vukosnd us rhl gtkj :0 dk Hkqxrku Hkh vkosnd dks fd;k gSA ,slh fLFkfr esa 'ks"k 73]000@& :0 dh jkf'k ds laca/k esa Hkh vukosnd dk nkf;Ro Fkk fd og tkWp dk;Zokgh dj vkosnd@miHkksDrk dks leqfpr mRrj nsdj larq"V djrk fdarq vkosnd }kjk fnuakd 7&9&2012 ls 29&11&2012 rd ckj&ckj vkosnd }kjk f'kdk;rsa lwpuk&i= is'k djus ds ckotwn Hkh vukosnd us dksbZ dk;Zokgh u dj lsok esa deh dh gSA vukosnd us mDr 73]000@& :0 dc ,oa fdls rFkk fdlds ek/;e ls Hkqxrku gq;s bl laca/k esa dksbZ dk;Zokgh dh gks]a bl ckcr~ Hkh dksbZ tkudkjh izLrqr ugha dh gSA bl dkj.k vukosnd }kjk lsok esa deh dh tkuk izekf.kr gSA 7& fopkj.kh; fcUnq Øekad&2 ds laca/k esa fu"d"kZ %& mijksDr dkj.kksa ls vkosnd }kjk izLrqr ifjokn&i= varxZr /kkjk 12 miHkksDrk laj{k.k vf/kfu;e] 1986 Lohdkj dj vkns'k fn;k tkrk gS fd %& 3 1- vukosnd] vkosnd dks vkns'k fnuakd ls ,d ekg ds vUnj 'ks"k 73]000@& :0 dh jkf'k vkosnd ds [kkrs esa vnk djsxkA 2- mDr 73]000@& :- dh jkf'k ij vkgj.k fnuakd ls vnk;xh fnuakd rd N% izfr'kr C;kt Hkh vukosnd] vkosnd dks vnk djsxkA 3- vukosnd] vkosnd dks ekufld ihMk gsrq ,d gtkj ikWp lkSa :i;s rFkk izdj.k O;; gsrq ,d gtkj ikWp lkS :0 Hkh vkns'k fnuakd ls ,d ekg ds vanj vnk djsxkAÞ blls vlarq"V gksdj ;g vihy vihykFkhZ@vukosnd }kjk izLrqr dh xbZ gSA 3& mHk;i{kksa dks lquk x;kA 4& vihykFkhZ ds fo}ku vf/koDRkk us rdZ esa crk;k fd MsfcV dkMZ ¼,Vh,e½ esa vkWuykbZu [kjhnnkjh dh vyx ls lqfo/kk ugha gksrh gSA [kjhnnkjh djus ij ,Vh,e ls fiu Mkyus ij Hkqxrku gksrk gSA vr% ftyk vk;skx us ;g ekuk fd ifjoknh us lqfo/kk ugha yh] og lgh ugha gSA ;g Hkh crk;k fd ifjoknh ds [kkrs ls vkWuykbZu 'kkWfiax fcuk fiu fn;s] fcuk vksVhih dh tkudkjh fn;s ugha gks ldrhA ftyk vk;ksx ds le{k vukosnd us lHkh rF; ,oa vfHkys[k izLrqr fd;s ftlls cSad dh lsok esa dksbZ deh fl) ugha gqbZA ;fn ifjoknh ds lkFk dksbZ fpfVax] ÝkWM gqvk gS rks ;g ekeyk miHkksDrk vk;ksx esa lquokbZ ;ksX; ugha gSA ifjoknh us fpfVax ÝkWM ds laca a/k esas lkbcj lsy esa f'kdk;r dh gS] mlds ckn Hkh ftyk vk;ksx us cSad dks mRrjnk;h ekudj tks vkns'k ikfjr fd;k og lgh ugha gSA vius i{k esa U;k; n``"Vkar 2015 ,ulhts 516 ¼,ulh½ lanhi 'kkjnk fo:) vkbZlhvkbZlhvkbZ cSad fyfeVsM+ izLrqr fd;kA 5& izfrvihykFkhZ ds fo}ku vf/koDRkk us rdZ esa crk;k fd ifjoknh lsokfuo`Rr deZpkjh gS o mls vkWuykbZu [kjhnnkjh djuk gh ugha vkrh gSA mlds }kjk dksbZ vkWuykbZu [kjhnnkjh ugha dhA cSad ds deZpkfj;ksa dh feyhHkxr ls ifjoknh ds [kkrs ls vkWuykbZu [kjhnnkjh dh tkdj ifjoknh ds [kkrs ls jkf'k fudkyh gSA ftyk vk;ksx us lHkh rF;ksa ij 4 fopkj fd;kA cSad us viuh =qfV ekudj ifjoknh ds [kkrs esa :i;k 30]000@& tek fd;s FksA 'ks"k jkf'k tek ugha dhA izfrvihykFkhZ ds fo}ku vf/koDrk us rdZ esa ;g Hkh crk;k fd ifjoknh us vkWuykbZu dh [kjhnnkjh dh lqfo/kk izkIr ugha dh FkhA mlus dksbZ vkosnu ugha fn;k FkkA ;fn fQj Hkh mlds [kkrs ls vkWuykbZu [kjhnnkjh gqbZ gS rks cSad gh mlds fy;s tokcnkj gSA vr% ftyk vk;ksx us tks vkns'k ikfjr fd;k og gLr{ksi ;ksX; u gksus ls vihy fujLr fd;s tkus ;ksX; gSA 6& rdksZa dk euu fd;kA vfHkys[k dk voyksdu fd;kA 7& vfHkys[k vuqlkj ifjoknh ds }kjk fnuakd 24&8&2012 ls 2&9&2012 rd dh vof/k ds e/; dbZ vkWuykbZu [kjhnnkjh dh VªkatsD'ku jkf'k :i;k 1]03]000@& dh 'kkWfiax gksuk crk;k rFkk bl jkf'k dh [kjhnnkjh mlds }kjk ugha dh tkuk crkdj ifjokn izLrqr fd;kA vukosnd cSad }kjk ftyk vk;ksx esa eq[; :i ls crk;k fd MsfcV ¼,Vh,e½ dkMZ ds fiu] ikloMZ dh bR;kfn dh tkudkjh ifjoknh dks gh jgrh gSA ifjoknh ds }kjk ikloMZ] fiu fcuk crk;s vkWuykbZu [kjhnh ugha gks ldrhA ;fn fdlh us ifjoknh ds lkFk /kks[kk/kMh] ÝkWM fd;k gS rks cSad mlds fy;s tokcnkjh ugha gSA ifjoknh dh f'kdk;r ij tkWp dj tks jkf'k okil ¼fjolZ½ gks ldrh] og dhA 'ks"k jfk'k fjolZ gksus ;ksX; ugha FkhA 8& ftyk vk;ksx esa tks nLrkost izLrqr gq;s ml vuqlkj ifjoknh us fnuakd 7&9&2012 rkjh[k vafdr djrs gq;s ¼i``"B 30 vuqlkj½ cSad dks fnuakd 24&8&2012 ls 2&9&2012 rd fujUrj iSls fudkys tkus dh f'kdk;r izLrqr dhA uxj fujh{kd dksrokyh] ftyk nfr;k dks Hkh f'kdk;r izsf"kr dh rFkk iqfyl egkfujh{kd] jkT; lk;cj lsy] iqfyl eq[;ky;] Hkksiky dks Hkh f'kdk;r izsf"kr dh gSA 9& vfHkys[k ij iatkc us'kuy cSad ds gsM vkfQl] bUQkjes'ku VsDuksykWth fMohtu us fnuakd 12 vDVwcj 2012 }kjk f'kdk;r dh tkap dj] VªkatsD'ku ds laca/k esa tkudkjh HksthA bl tkudkjh eas crk;k x;k fd ifjoknh ds [kkrs ls fnuakd 24&8&2012 ls 2&9&2012 rd ,osU;w bafM;k izkbosV fyfeVsM+] eqEcbZ }kjk fnuakd 24] 25] 26] 27] 29] 29] 5 30 vxLr] 2012 ,oa fnuakd 01 o 02 flrEcj 2012 dh vof/k ds e/; 2&3 gtkj ds fofHkUu VªkatsD'ku vkseizdk'k ds iz'uk/khu MsfcV dkMZ ls Hkqxrku fd;s tkus ds gq;s gSA ;g VªkatsD'ku www.mobikwik.com (34 txns-Rs.97310.00) and www.paytm.com (2txns- Rs.6000.00) ds djk;s x;sA blesa mYys[k gS fd& * The customer's Card no.5126520165500864 was issued on 16.12.2011 and activated the next day. It is a non-personalised signature based Card issued by Base branch.
* Customer's mobile no. 919926299340 was registered by Base branch on 4.09.2012.
* The card was hot listed on 12.09.2012 at 22.07 Hrs. * FSS Payment Gateway has been used for the transactions. * 3D regn. Is not required for FSS Gateway transactions. * Transactions are successful at switch level. All the above asre internet txns. * As per HO: TBD, all 36 txns have been routed through Avenues India Pvt. Ltd., Mumbai using www.mobikwik.com (34 txns-Rs.97310.00) and www.paytm.com (2txns-Rs.6000.00). M/s Paytm vide their email dated 19.09.2012 have stated that they are unable to refund these txns as the services were delivered instantly for these txns. Matter has been taken up with M/s Mobikwik forascertaining ultimate beneficiaries of these txns amounting to Rs. 97310.00. Response is awaited. It is observed that there is a reversal of Rs. 30.000.00 in the a/c against these disputed txns., thus net disputed txn stands at Rs. 73,310.00.
;g Hkh crk;k x;k fd ifjoknh dk eksckbZy uacj 91992699340 fnuakd 4&9&2012 dks jftLVMZ gqvkA 10& iz'uk/khu vfHkys[k ls ;g Li"V gS fd cSad ds }kjk f'kdk;r vkus ij tkap dj dk;Zokgh dh rFkk iz'uk/khu jkf'k esa ls :i;k 30]000@& tks VªkatsD'ku ds fjolZy gks lds Fks og dh xbZ] 'ks"k VªkatsD'ku dh jkf'k fjolZ ugha gksuk crk;kA ftyk vk;ksx ds vkns'k dk voyksdu fd;kA ftyk vk;ksx us vius vkns'k esa ;g fu"d"kZ fudkyk gS fd cSad }kjk :i;k 30]000@& dh jkf'k okfil dh gS vr% 'ks"k jkf'k Hkh cSad ds }kjk okfil djuk pkfg;sA vr% ftyk vk;ksx us 'ks"k jkf'k :i;k 73]310@& Hkh okfil djus dk vkns'k fn;k gSA 6 11& vfHkys[k vuqlkj ifjoknh dh f'kdk;r ij cSad }kjk tkap dh bZ rFkk VªkatsD'ku ds ckjs esa foLr`r fooj.k ftyk vk;ksx esa izLrqr fd;k rFkk cSad dks fu;ekuqlkj VªkatsD'ku dh tks jkf'k okfil gksuh Fkh og okfil dh rFkk 'ks"k jkf'k fjolZy ugha gksuk crk;kA vfHkys[k vuqlkj ;fn iz'uk/khu VªkatsD'ku ifjoknh ds vykok vU; us mldh lgefr ds fcuk fd;s x;s gS rks ;g ÝkWM dk ekeyk gS] ftldh f'kdk;r ifjoknh us iqfyl esa dh xbZ gSA ;g cSad dh lsok esa deh dk dksbZ vk/kkj ugha gSA blds ifjizs{; esa rFkk mijksDr U;k; n``"Vkar ds izdk'k esas ftyk vk;ksx dk vkns'k lgh ugha ekuk tk ldrkA vr% vihy Lohdkj dj ftyk vk;ksx dk vkns'k fujLr fd;k tkrk gSA ifjoknh dk ifjokn Hkh fujLr fd;k tkrk gSA mHk;i{k viuk&viuk okn O;; ogu djsx a sA ¼MkW- eksfudk efyd½ ¼,l-,l- caly½ ihBklhu lnL; lnL;
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