State Consumer Disputes Redressal Commission
Indsund Bank Ltd., Ceo vs Yusuf Khan on 30 November, 2023
jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV csap] dksVk jkt0 le{k %& ekuuh; Jh lqjsUnz dqekj tSu] lnL; ¼U;kf;d½ ekuuh; Jh 'kSyUs nz HkV~V ¼lnL;½ vihy la[;k %& 28@2021 1- lh-bZ-vks- baMlaM cSad fy- jftLVMZ dk;kZy; 2401] tujy fFkEe;k jksM ¼bZLV LVªhV½ dSUVksuesUV] iq.ks&411001 2- izc/akd] baMlbaM cSd a fy- dk;kZy; ,&1] ,&2] mejko dkWef'kZ;y dkEiySDl] ,e-vkbZ- jksM] t;iqj ¼jkt0½&302021 3- 'kk[kk izca/kd] baMlbaM cSd a fy- dk;kZy; ?kksMs okys ckck pkSjkgk] dksVk jkt-A &foi{[email protected] cuke ;qlQ w [kku iq= Jh vlye [kku tkfr eqlyeku fuoklh DokVZj uEcj 19] ,Q VkbZi] xzke xka/kh lkxj xsV uEcj] 3 rglhy Hkkuiqjk] ftyk eUnlkSj e/; izns'kA &ifjoknh@izR;FkhZ mifLFkr %& foi{[email protected] dh vksj ls Jh ujir flag jktkor] vf/koDrkA ifjoknh@izR;FkhZ dh vksj ls Jh egs'k oS".ko] vf/koDrkA }kjk % Jh lqjsUnz dqekj tSu] ihBklhu lnL; ¼U;kf;d½ cgl lquus dh rkjh[k % 29-11-2023 fu.kZ; ikfjr fnukad % 30-11-2023 fu.kZ ; fnukad 30-11-2023 foi{kh@vihykFkhZ us ifjoknh@izR;FkhZ ds fo:) ;g vihy fo}ku ftyk miHkksDrk vk;ksx] dksVk ds }kjk ifjokn izdj.k la[;k 231@2014 ;qlQ w [kku cuke lh-bZ-vks- b.Mlb.M cSad fyfeVsM o vU; esa ikfjr fu.kZ; fnukad 08-05-2019 ds fo:) izLrqr dh gS] ftlds }kjk mUgksaus ifjoknh@izR;FkhZ dk ifjokni= Lohdkj dj fuEufyf[kr vkns'k ikfjr fd;k gS& ^^ vr% izkFkhZ@ifjoknh ;qlwQ [kku iq= Jh vlye [kku dk ifjokn@izkFkZuki= vUrxZr /kkjk 12 miHkksDrk laj{k.k vf/kfu;e] 1986 fo:) vizkFkhZx.k la;qDrr% o i`Fkdr% Lohdkj fd;k tkdj vkns'k fuEu izdkj ls ikfjr fd;k tkrk gS& 2 ifjokn la0 28@2021 b.Mlb.M cSad fy0 o vU; cuke ;qlwQ [kku fu.kZ; fnukad 30&11&2023 1- vizkFkhZx.k izkFkhZ dks mlds okgu la[;k RJ33-GA-1317 ds ¼_.k vuqca/k la0 RKAA05448½ _.k ds laca/k esa ,u-vks-lh- vfoyEc vf/kdre ,d ekg ds vUnj tkjh dj izkFkhZ dks lqiqnZ djsa] fdUrq blesa vlQy jgus ij izkFkhZ vizkFkhZx.k ls 1 gtkj :i;s izfr ekg dh nj ls gtkZuk jkf'k Hkh izkIr djus dk vf/kdkjh gksxk] ftldk vizkFkhZx.k dk vnk;xh dk nkf;Ro gksxkA 2- blds vfrfjDr izkFkhZ vizkFkhZx.k ls ifjokn [kpZ ds :i esa 3 gtkj :i;s dh jkf'k izkIr djus dk vf/kdkjh gS] bldh vizkFkhZx.k }kjk izkFkhZ dks vUnj ,d ekg vnk;xh ugha djus ij izkFkhZ mDr 3 gtkj :i;s dh jkf'k ij vkt fu.kZ; fnukad 08-05-2019 ls rk&vnk;xh vizkFkhZx.k ls 9 izfr'kr lk/kkj.k okf"kZd dh nj ls C;kt dh jkf'k Hkh izkIr djus dk vf/kdkjh gksxk] ftldk vizkFkhZx.k dk vnk;xh dk nkf;Ro gksxkA 3- izkFkhZ dh 'ks"k izkFkZuk vLohdkj dh tkrh gSA^^ 2- laf{kIr rF;ksa ds vuqlkj ifjoknh@izR;FkhZ us foi{[email protected] ls okgu _.k fy;k Fkk] ftldk Hkqxrku dj fn;kA ifjoknh@izR;FkhZ ds vuqlkj foi{[email protected] NOC ugha ns jgs gSa tcfd foi{[email protected] ds vuqlkj 2 vU; _.k ifjoknh@izR;FkhZ ds ftEes cdk;k gS] blfy, NOC ugha nh xbZ gSA bl izdkj gLrxr izdj.k esa ;g rF; fufoZokfnr gS fd ifjoknh@izR;FkhZ us gLrxr izdj.k ls lacaf/kr okgu _.k tks flrEcj 2010 esa izkIr fd;k x;k Fkk] mldk lEiw.kZ Hkqxrku dj fn;k gSA gLrxr izdj.k esa vc ;gh ns[kk tkuk gS fd tokc ifjokn i= dh en uEcj 7 esa of.kZruqlkj nks _.k [kkrksa RJK00138D ,oa RJK00162D esa cdk;k jkf'k vnk ugha djus ij NOC jksdus dk vf/kdkj foi{[email protected] dks gS vFkok ughaA fo}ku ftyk miHkksDrk vk;ksx us vius vk{ksfir fu.kZ; esa ;g ekuk gS fd ifjoknh@izR;FkhZ us iz'uxr _.k vnk dj fn;k gS] blfy, NOC tkjh gksuh pkfg, rFkk mUgksaus ifjokni= Lohdkj fy;k] ftlls O;fFkr gksdj foi{[email protected] ds }kjk ;g vihy izLrqr dh xbZ gSA 3- mHk;i{k ds fo}ku vf/koDrkx.k dh cgl lquh xbZ ,oa i=koyh dk voyksdu fd;k x;kA 4- gLrxr izdj.k esa ftu nks _.k [kkrksa dh jkf'k cdk;k gS] mlesa ,d _.k [kkrs esa vlye [kku _.kh gS rFkk ifjoknh@izR;FkhZ lg_.kh gS ,oa nwljs _.k [kkrs esa ifjoknh@izR;FkhZ _.kh gS rFkk 'kCchj gqlSu valkjh lg_.kh gS ,oa ;g _.k tqykbZ 2011 esa fy;k x;k gSA 5- Hkkjrh; lafonk vf/kfu;e dh /kkjk 171 fuEu izdkj gS& " General lien of bankers, factors, wharfingers, attorneys and policy brokers Bankers, factors, wharfingers, attorneys of a High Court and Policy brokers may, in the 3 ifjokn la0 28@2021 b.Mlb.M cSad fy0 o vU; cuke ;qlwQ [kku fu.kZ; fnukad 30&11&2023 absence of a conract to the contrary, retain as a secruity for a general balance of account, any goods bailed to them; but no other persons have a right to retain, as secruity for such, balance , goods bailed to them, unless there is an express contract to that effect. 6- ekuuh; mPpre U;k;ky; us vius U;kf;d n`"Vkar ^^flaMhdsV cSad cuke fot; dqekj^^ ¼1992½ 2 ,l-lh-lh- 330 esa fuEu fl)kar izfrikfnr fd;k gS& " By mercantile system the bank has a general lien over all forms of securities or negotiable instruments deposited by or on behalf of the customer in the ordinary course of banking business and that the general lien is a valuable right of the banker judicially recognised and in the absence of an agreement to the contrary, a Banker has a general lien over such securities or bills received from a customer in the ordinary course of banking business and has a right to use the proceeds in respect of any balance that may be due from the customer by way of reduction of customer's debit balance." 7- ekuuh; jk"Vªh; miHkksDrk vk;ksx us vius U;kf;d n`"Vkar ^^,e efYydk cuke LVsV cSad vkWQ bf.M;k ,oa vU;^^ IV (2006) CPJ 01 (NC) esa fuEu fl)kar izfrikfnr fd;k gS& " Consumer Protection Act 1986- Section2(1)(g)- Contract Act 1872- Section 171- Transfer of Property Act, 1882- Section 60-Banking & Financial Services General Lien of bankers- Right of mortgagor to redeem- Bank deficient in service in not returning dcuments/title - deeds in time - State Commission directed return of same- Appeal by complainants claining compensation for harassment and mental agony- Complainants guarantors of loans granted to several firms- Said firms committed defaults in payment of dues- Opposite Party State Bank of India is one legal entity reespective of its hundreds of branches- if amount is due against person in account of another branch, Bank could exercise its general lien over documents/title deeds deposited in one branch in respect of loan in other branches- Complainants contined to be liable as other accounts of different branch of opposite party were not cleared Bank justified in feeling inhibited in returning documents/title deeds- No room for awarding compensation." 8- ekuuh; jk"Vªh; miHkksDrk vk;ksx us vius U;kf;d n`"Vkar ^^ dsujk cSad ,oa vU; cuke lh-Mh- iVsy^^ II (2001) CPJ 19 (NC) esa fuEu fl)kar izfrikfnr fd;k gS& " Consumer Protection Act 1986- Section- Bank general lien Complainanta non resident indian who was a share holder of a company agreed to provide secruity by making deposit of 15,000 pounds to be kept in deposit for two years- Renewed as per instruction Alleges that the said deposit was not offered as secruity for any other Loan- Demanded the deposit with interest can bank excericise its power of general lien." 9- ekuuh; jk"Vªh; miHkksDrk vk;ksx us vius U;kf;d n`"Vkar fjohtu fiVh'ku la[;k 1615@2011 ^^ 'kk[kk izca/kd] Hkkjrh; LVsV cSad vkWQ bf.M;k cuke 'kkarhyky ekaxhyky iVsy^^ esa 4 ifjokn la0 28@2021 b.Mlb.M cSad fy0 o vU; cuke ;qlwQ [kku fu.kZ; fnukad 30&11&2023 ikfjr fu.kZ; fnukad 05-04-2017 ds ekeys esa vius iwoZ fu.kZ;ksa dk mYys[k djrs gq, ;g ekuk gS fd cSad dks tujy fy;u gSA 10- gLrxr izdj.k esa ;g rF; fufoZokfnr gS fd ifjoknh@izR;FkhZ vU; _.k vlye [kku ds _.k [kkrs esa lg_.kh gS rFkk ,d vU; _.k [kkrs esa ifjoknh@izR;FkhZ Lo;a _.kh gS ,oa 'kCchj gqlSu valkjh lg_.kh gSA ,d _.k [kkrs dk fu.kZ; e/;LFk }kjk Hkh gks pqdk gS rFkk e/;LFk }kjk vokMZ ikfjr fd;k tk pqdk gSA mijksDr of.kZr fofHkUu U;kf;d n`"Vkar ds vk/kkj ij ge ;g ikrs gSa fd cSad dks Hkkjrh; lafonk vf/kfu;e dh /kkjk 171 ds rgr tujy fy;u dk vf/kdkj gSA fo}ku ftyk miHkksDrk vk;ksx us ,slk vf/kdkj cSad dks ugha gksuk ekudj fof/kd =qfV dh gS rFkk xyr rkSj ij ifjoknh@izR;FkhZ dk ifjoknhi= Lohdkj dj fy;k gSA bl izdkj ;g fu"d"kZ fudyrk gS fd foi{[email protected] }kjk izLrqr vihy Lohdkj fd;s tkus ;ksX; gS rFkk fo}ku ftyk miHkksDrk vk;ksx dksVk ds }kjk ikfjr vk{ksfir fu.kZ; vikLr fd;s tkus ;ksX; gSA vkns ' k foi{[email protected] ds }kjk ifjoknh@izR;FkhZ ds fo:) izLrqr vihy Lohdkj dh tkrh gSA fo}ku ftyk miHkksDrk vk;ksx] dksVk }kjk ifjokn izdj.k la[;k 231@2014 ;qlQ w [kku cuke lh-bZ-vks- b.Mlb.M cSad fyfeVsM o vU; esa ikfjr fu.kZ; fnukad 08-05-2019 vikLr fd;k tkrk gSA mHk;i{k viuk&viuk [kpkZ eqdnek ogu djsaxAs ¼'kSyUs nz HkV~Vk½ ¼lqjsUnz dqekj tSu½ lnL; lnL; ¼U;kf;d½