State Consumer Disputes Redressal Commission
Aditya Birla Health Insu.Co.Ltd. vs Jeevan on 1 September, 2020
M. P. STATE CONSUMER DISPUTES REDRESSAL COMMISSION,
PLOT NO. 76, ARERA HILLS, BHOPAL (M.P.)
R.P. No.56 / 2019.
Aditya Birla Health Insurance
Company Ltd.,
10th Floor, R-Tech Park,
Nirlon Compound,
Western Express Highway,
Goregaon (E) Mumbai --400 063 .... PETITIONER.
VERSUS
1. Jeevan,
s/o Shri Ramchandra Ji Bhambhi,
R/o Gram Loda, Tehsil & District
Mandsaur (M.P.) 458 001.
2. A. U. Small Finance Bank,
Station Road, Mandsaur (M.P.) - 458 001. .... RESPONDENTS.
R.P. No.18 / 2020.
A. U. Small Finance Bank,
Station Road, Mandsaur
(M.P.) 458 001. .... PETITIONER.
VERSUS
1. Jeevan,
s/o Shri Ramchandra Ji Bhambhi,
R/o Gram Loda, Tehsil & District
Mandsaur (M.P.) 458 001.
2. Aditya Birla Health Insurance
Company Ltd.,
10th Floor, R-Tech Park,
Nirlon Compound,
Western Express Highway,
Goregaon (E) Mumbai - 400 063 .... RESPONDENTS.
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BEFORE:
HON'BLE SHRI JUSTICE SHANTANU S. KEMKAR, PRESIDENT
HON'BLE SHRI S. S. BANSAL, MEMBER
COUNSEL APPEARING FOR THE PARTIES :
Shri Ravindra Tiwari, learned counsel for the petitioner in RP No.56/2019
/ opposite party no.1 & respondent no.2 in RP NO.18/2020.
Shri Amit Tiwari, learned counsel for the petitioner in RP No.18/2020
/ opposite party no.1 & respondent no.2 in RP No.56/2019
None for respondent no.1 / complainant.
ORDER
(Passed on 1 / 9 / 2020) The following order of the Commission was delivered by Shantanu S. Kemkar, J :
Both these revision petitions arise out of order dated 20.3.2019 passed by the District Consumer Disputes Redressal Commission, Mandsaur (for short "District Commission") in CC No.07/2019. For the sake of convenience facts are taken from Revision Petition No.56/2019.
2. The petitioner / opposite party no.1 Aditya Birla Health Insurance Company Limited has filed this revision under Section 17 (1) (b) of the Consumer
- 3- Protection Act, 1986 (for short "Act of 1986") challenging the order dated 20.3.2019 passed by the District Commission, Mandsaur in CC No.07/2019 whereby the District Commission has ordered to proceed ex-parte against the petitioner / opposite party no.1 and closed their right to file written statement / reply to the complaint.
3. We have heard learned counsel for the parties and perused the record.
4. Undisputedly and from the proceedings of the District Commission it is clear that the notice of the complaint was duly served upon the petitioner / opposite party no.1 of Revision Petition No.56/2019 on 02.02.2019. Similarly notice of complaint was duly served upon the petitioner / opposite party no.2 of Revision Petition No.18/2020 by humdast mode on 23.01.2019. It is also clear from the record that the reply of the complaint was not filed by both the petitioners even after expiry of thirty days or even fifteen days thereafter which is the permissible time limit for the District Commission for extension of time to file the same.
5. Learned counsel for the petitioner of both the cases have placed reliance on the order dated 11.2.2016 passed by the Supreme Court in the case of M/s Bhasin Infotech and Infrastructure Pvt. Ltd. Vs. M/s Grand Venezia Buyers Association, Civil Appeal Nos.1083 - 1084 / 2016 as also order dated
- 4- 10.2.2017 passed by the Supreme Court in the case of Reliance General Insurance Co. Ltd. & Anr. Vs. M/s Mampee Timbers and Hardwares Pvt. Ltd. & Anr., and the various judgments passed by the National Commission and this Commission to contend that the delay being bonafide may be condoned by imposing a reasonable costs.
6. It has been stated by Shri Ravindra Tiwari and Shri Amit Tiwari, learned counsel for the petitioners that there was sufficient and bonafide cause as explained in the revision petitions for not filing the reply within the stipulated period and as such in view of the liberty granted in the aforesaid cases, by condoning the delay on a reasonable cost the reply be ordered to be taken on record by the District Commission.
7. In order to appreciate the contentions of learned counsel for the petitioner we have gone through the said orders of the Supreme Court. The relevant observations made by the Supreme Court while making the reference to larger bench of it and the directions issued in M/s Bhasin Infotech and Infrastructure Pvt. Ltd. (supra) are extracted below for ready reference :-
"Since the question that falls for determination here often arises before the Consumer Fora and Commissions all over the country it will be more appropriate if the conflict is resolved by an authoritative judgment. Further since the conflict is between Benches comprising three Judges we deem it fit to refer these appeals to a five-Judge Bench to resolve the conflict once and for all."
- 5- The Supreme Court further directed during the pendency of reference before it as under :
"The proper course in our opinion is to permit the appellant-company to file its response, which was delayed by just about one day. We accordingly permit the appellant to file its reply before the National Commission within two weeks from today subject to payment of Rs.50,000/- as costs to be paid to the opposite party. The Commission can upon deposit of costs proceed with the trial of the complainant on merits after receiving the reply filed by the respondent."
8. Thereafter, the Supreme Court in Reliance General Insurance Co. Ltd. and Anr. (supra) taking note of the reference order and directions issued in M/s Bhasin's case observed thus :
"We consider it appropriate to direct that pending decision of the larger bench, it will be open to the concerned Fora to accept the written statement filed beyond the stipulated time of 45 days in an appropriate case, on suitable terms, including the payment of costs and to proceed with the matter."
9. When the matter stood thus, in view of the aforesaid directions of the Supreme Court in the case of M/s Bhasin Infotech and Infrastructure Pvt. Ltd. Vs. M/s Grand Venezia Buyers Association, and Reliance General Insurance Co. Ltd. & Anr. Vs. M/s Mampee Timbers and Hardwares Pvt. Ltd. & Anr., the National Commission and this Commission decided various matters by allowing written statement which was sought to be filed beyond the prescribed
- 6- period to be taken on record, in appropriate cases, on suitable terms, including the payment of costs.
10. However, now on 4.3.2020 the legal position has been settled by the Constitution Bench of the Supreme Court while deciding the said reference made in batch of Civil Appeals including Civil Appeal No.10941 - 10942 / 2013 New India Assurance Co. Ltd. versus Hilli Multipurpose Cold Storage Pvt. Ltd. The Supreme Court approved the view taken by it in the case of Dr. J. J. Merchant & Others Vs. Shrinath Chaturvedi, (2002) 6 SCC 635 and observed as under :-
"In the said case of Dr. J. J. Merchant (supra), while holding that the time limit prescribed would be mandatory and thus be required to be strictly adhered to, this Court also considered the Statement of Objects and Reasons of the Consumer Protection (Amendment) Bill, 2002 (which was subsequently enacted as Act 62 of 2002 and has come in force w.e.f. 15.03.2003). The salient features of the same was to provide simple, inexpensive and speedy justice to the consumers, and that the disposal of cases is to be faster and after noticing that several bottlenecks and shortcomings have also come to light in the implementation of various provisions of the Act and with a view to achieve quicker disposal of consumer complaints, certain amendments were made in the Act, which included (iii) prescribing the period within which complaints are to be admitted, notices are to be issued to opposite party and complaints are to
- 7- be decided. With this object in mind, in sub-section (2)(b)(ii) of Section 13, the opening sentence on the basis of evidence has been substituted by ex-parte on the basis of evidence. By this amendment, consequences of not filing the response to the complaint within the specified limit of 45 days was to be that the District Forum shall proceed to settle the consumer dispute ex-parte on the basis of evidence brought to its notice by the complainant, where the opposite party omits or fails to take action to represent his case within time. For achieving the objective of quick disposal of complaints, the Court noticed that sub-section (3A) of Section 13 was inserted, providing that the complaint should be heard as expeditiously as possible and that endeavour should be made to normally decide the complaint within 3 months, and within 5 months where analysis or testing of commodities was required. The Provisos to the said sub-section required that no adjournment should be ordinarily granted and if granted, it should be for sufficient cause to be recorded in writing and on imposition of cost, and if the complaint could not be decided within the specified period, reasons for the same were to be recorded at the time of disposing of the complaint.
It was after observing so, and considering aforesaid amendments, this Court held that the time limit of 30 plus 15 days in filing the response to the complaint, be mandatory and strictly adhered to."
The reference was then answered on 4.3.2020 by concluding in paragraph 41 as under :-
"41. To conclude, we hold that our answer to the first question is that the District Forum has no power to extend the time for filing the response to the complaint beyond the period of 15 days in addition to 30 days as is envisaged under Section 13 of the Consumer
- 8- Protection Act; and that the commencing point of limitation of 30 days under Section 13 of the Consumer Protection Act would be from the date of receipt of the notice accompanied with the complaint by the opposite party, and not mere receipt of the notice of the complaint."
11. Thus, when the reference has been finally answered on 4.3.2020 by the Supreme Court in above terms, the relief in terms of the orders passed by the Supreme Court in the case of M/s Bhasin Infotech and Infrastructure Pvt. Ltd. and Reliance General Insurance Company extracted above which were only issued as an interim arrangement pending decision on the said reference and the said appeals, cannot be now granted so as to permit filing of the reply beyond 15 days in addition to 30 days as provided under Section 13 of the Act of 1986.
12. Therefore in view of the aforesaid authoritative pronouncement of the Supreme Court made on 4.3.2020 in the case of New India Assurance Co. Ltd. Versus Hilli Multipurpose Cold Storage Pvt. Ltd. (supra) in our considered view, the time limit of 30 plus 15 days in filing the response to the complaint, being mandatory the same has to be strictly adhered to. The District Commission had no power to extend the time for filing reply to complaint beyond 15 days in addition to 30 days from the date of service of notice of complaint with copy as held in the said reference and as envisaged under Section 13 of the Act of 1986.
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13. Thus, we find no error in the impugned order passed by the District Commission so as to invoke our jurisdiction under Section 17 (1) (b) of the Act of 1986. As a result, both the revision petitions fail and are hereby dismissed.
14. No order as to the costs.
15. This order be retained in RP No.56/2019 and a copy of the same be kept in the record of RP No.18/2020.
(Justice Shantanu S. Kemkar) (S.S. Bansal)
PRESIDENT MEMBER
Phadke