State Consumer Disputes Redressal Commission
M/S Cholamandalam M.S General ... vs Daulat Ram Yadav & Anr. on 13 June, 2018
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh ?ku';ke iVsy] vf/koDrkA mRrjoknh dzekad&1 dh vksj ls Jh th- Ogh- ds- jko] vf/koDrkA mRrjoknh dzekad&2 dh vksj ls Jherh uqiqj ikWy] vf/koDrkA vkns'k fnukad& 13@06@2018 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@vukosnd dz-2 us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] fcykliqj ¼N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k Øekad&lhlh@209@2016 nkSyr jke ;kno // 2 // fo:} esllZ pksyke.Mye ,e- ,l- tujy ba';ksjsal daiuh fyfeVsM }kjk 'kk[kk izca/kd@l{ke vf/kdkjh ,oa ,d vU; esa ikfjr vkns'k fnukad&29- 11-2017 ftlds }kjk ifjoknh ds ifjokn dks Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& **1- vukosnd dzekad&1 chek daiuh vkosnd dks vkns'k fnukad ls ,d ekg dh vof/k ds Hkhrj chek nkok dh jkf'k&5]03]500@&¼ikap yk[k rhu gtkj ikap lkS :Ik;s½ vukosnd dzekad&2 ds ek/;e ls vnk djsxkA lkFk gh mDr jde ij vkosnu fnukad&07-05-2016 ls rkvnk;xh 09 izfr'kr okf"kZd dh nj ls C;kt Hkh vnk djsxkA 2- vukosnd dzekad&1 chek daiuh vkosnd dks vkfFkZd ,oa ekufld {kfriwfrZ ds :Ik esa 2]00]000@&¼nks yk[k :Ik;s½ dh jkf'k vnk djsxkA 3- vukosnd dzekad&1 chek daiuh vkosnd dks oknO;; ds :Ik esa 5]000@&¼ikap gtkj :Ik;s½ dh jkf'k vnk djsxkA 4- vukosnd dzekad&2 viuk okn O;; Lo;a ogu djsxkA ls nqf[kr gksdj izLrqr fd;k gSA 02- mRrjoknh dz-1@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd ifjoknh ds uke ij esllZ VkWQs eksVlZ ,.M VsªDVlZ fyfeVsM }kjk fufeZr ,d VsªDVj@okgu ftldk baftu uacj&5337 , 64364 psfpl uacj&,e- bZ- ,- 62 Mh 61 ts- ,Q- 2064662] iath;u dzekad&lh-th- 10 ,-,-@4501 jgk gSA ifjoknh }kjk mDr VsªDVj@okgu // 3 // dks vius thfodksiktZu ,oa d`f"k dk;Z gsrq vukosnd dz-2 ls _.k izkIr dj dz; fd;k x;k Fkk ftldk ekfld fd'r 35]000@&¼iSarhl gtkj :Ik;s½ fu/kkZfjr gSA ifjoknh }kjk vius mDr VsªDVj@okgu dk vukosnd dz-1 chek daiuh ls felysfu;l ,oa Lis'ky VkbZi Oghdy ds :Ik esa O;kid chek fnukad&30-11-2015 ls 29-11-2016 rd djk;k Fkk ftldk chek ikWfylh dzekad&3380@00913772@000@00 gS ftldk chfer ewY; 5]03]500@&¼ikap yk[k rhu gtkj ikap lkS :Ik;s½ FkkA vukosnd dz-1 dh vksj ls ifjoknh dks ek= chek ikWfylh gh iznku fd;k x;k gS vkSj vU; tkudkjh] fu;e ,oa 'krZ vkt rd miyC/k ugha djk;k x;k gSA ifjoknh vius mDr VsªDVj esa fnukad&11-12-2015 dks Fkzslj yxkdj [ksr esa /kku dh felkbZ@d`f"k dk;Z dj jgk Fkk fd VsªDVj ds lkbZysalj ls fpaxkjh@vkx fudydj [ksr esa j[ks /kku ds iSjk ,oa mDr VsªDVj ,oa Fkzslj esa Hkh yx x;kA ifjoknh ,oa ogka mifLFkr dke djus okys etnwjksa ds }kjk VsªDVj esa yxs vkx dks cq>kus dk cgqr iz;kl fd;k x;k fdUrq vkx cq>kus esa lQy ugha gq, vkSj ifjoknh dk VsªDVj] Fkzslj ,oa /kku iw.kZr% tydj u"V gks x;kA VsªDVj esa yxs vkx ij uxj ikfyd fuxe] fcykliqj ds vfXu 'keu ny }kjk dkcw dj cq>k;k x;k fdUrq ifjoknh dk mDr VsªDVj tydj jk[k gks x;k fdUrq mDr nq?kZVuk eas dksbZ tu gkfu ugha gqbZA mDr nq?kZVuk dh lwpuk ifjoknh }kjk vukosnd dz-1 dks nwjHkk"k ij nh xbZ rFkk lacaf/kr Fkkuk eLrwjh] ftyk fcykliqj esa ?kVuk dh fjiksVZ fnukad&12-12-2015 dks dh xbZA lwpuk mijkar vukosnd dz-1 }kjk dk;Zokgh djrs gq, vius losZ{kd ds ek/;e ls LFky dk fujh{k.k ,oa // 4 // tkap djok;k x;k vkSj ;g dgk x;k fd pwafd mldk VsªDVj vkx ls tydj iw.kZr% u"V gks x;k gS ,slh fLFkfr esa chekd`r VsªDVj dk laiw.kZ chek/ku dk Hkqxrku ifjoknh dks 15 fnu ds vUnj dj fn;k tkosxkA ifjoknh }kjk laiw.kZ vkSipkfjdrkvksa dks iwjk djrs gq, vukosnd dz-1 chek daiuh ds le{k nkok izLrqr fd;k x;k rc vukosnd dz-1 chek daiuh }kjk nkok dz-&3380022086 dk fujkdj.k tYn ls tYn djus dk vk'oklu fn;k x;kA pwafd mDr VsªDVj tydj iw.kZr% u"V gks x;k gS ftldk ejEer djk;k tkuk laHko ugha gS blfy, vukosnd dz-1 }kjk ifjoknh ds nkos dks fcuk fdlh vU; dk;Zokgh vFkok vkSipkfjdrkvksa dks iw.kZ djk;s tYn ls tYn fujkd`r dj nsuk Fkk fdUrq ifjoknh dks {kfriwfrZ jkf'k dk Hkqxrku vkt Ik;ZUr ugha fd;k x;k vfirq vukosnd dz-1 us vius i= fnukad&07-03-2016 ds }kjk chek ikWfylh dh 'krZ dh dafMdk&9 dk gokyk nsrs gq, fd mDr VsªDVj@okgu esa nq?kZVuk ds le; Fkzslj e'khu yxk Fkk] nkok dks ljljh rkSj ij fujLr dj fn;k x;kA vukosnd dz-2 cSad }kjk ?kVukk dh tkudkjh gksus ds ckotwn ifjoknh ds _.k [kkrk esa yxkrkj fu;e fo:} C;kt vf/kjksfir djrs gq, ifjoknh dks _.k Hkqxrku djus ckor~ ncko Mkyk tkus yxk vkSj ifjoknh ds fo:} dk;Zokgh djus ckor~ i=kpkj fd;k tk jgk gS tks fd vukosnd dz-2 ds O;kolkf;d dnkpj.k ,oa lsok esa [kkeh dks Li"V djrk gSA vukosndx.k ds mDr d`R; ls ifjoknh dks 'kkjhfjd] ekufld ,oa vkfFkZd {kfr;ksa dk lkeuk djuk iM+ jgk gS ftlds dkj.k ifjoknh dks ;g // 5 // ifjokn ykus dh vko';drk iM+h gSA vr% ifjoknh dks ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03- vihykFkhZ@vukosnd dz-1 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd ifjoknh }kjk ?kVuk fnukad dks okgu dk iz;ksx Fkszlj e'khu yxkdj O;kolkf;d dk;Z gsrq fd;k tk jgk Fkk ftlds dkj.k ifjoknh /kkjk&2 ¼1½ ¼Mh½ miHkksDrk laj{k.k vf/kfu;e] 1986 ds rgr **miHkksDrk** dh Js.kh esa ugha vkrk gSA {kfrxzLr okgu VsªDVj ftldk baftu ua-&5337 , 64364 ,oa psfpl ua-& ,ebZ, 62 Mh 81 ts,Q 2064662 dk chek felysfu;l ,oa Lis'ky VkbZi vkWQ Oghdy ds :Ik esa chek ikWfylh esa fufgr fu;e ,oa 'krksZa ds vk/kkj ij fd;k x;k FkkA vukosnd dz-1 }kjk chek ikWfylh tkjh djrs le; chek ikWfylh ds fu;e ,oa 'krksZa ls ifjoknh dks voxr djk fn;k x;k Fkk ,oa ikWfylh esa ;g Li"V mYys[k gS fd fu;e ,oa 'krksZa dk foLr`r fooj.k daiuh ds osclkbZM ij miyC/k gSA ifjoknh }kjk chek daiuh dks ?kVuk dh lwpuk nh xbZ rc vukosnd dz-1 chek daiuh }kjk ?kVuk dh lR;rk dh tkap gsrq losZ{kd@vUos"k.k vf/kdkjh dh fu;qfDr dh xbZ ftlds }kjk ?kVuk dh lR;rk laca/kh tkap dh xbZ ,oa tkap iw.kZ dj fjiksVZ chek daiuh dks lkSaih xbZ] ftlesa ;g ik;k x;k fd nq?kZVuk fnukad dks chfer okgu dk mi;ksx chek ikWfylh esa fufgr fu;e ,oa 'krksZa ds foijhr VsªDVj ds baftu ij vukf/kd`r :Ik ls Fkszlj e'khu yxkdj dh tk jgh Fkh tks fd chek ikWfylh ds fu;e ,oa 'krksZa dh dafMdk&9 dk // 6 // mYya?ku gksus ds dkj.k fnukad&07-03-2016 dks nkok fujLr dj lwpuk ifjoknh dks nh xbZ gSA ?kVuk fnukad dks okgu dk iath;u Hkh ifjogu dk;kZy; esa ugha djk;k x;k Fkk vkSj uk gh Fkzslj e'khu dk i`"Bkadu VsªDVj ds iath;u izek.k&i= esa gS RkFkk ifjoknh }kjk chek daiuh dks Fkzslj e'khu tksf[ke vkPNknu gsrq dksbZ izhfe;e vnk ugha fd;k x;k gS tcfd nq?kZVuk dk ,d ek= dkj.k Fkzslj gSA nq?kZVuk fnukad dks ifjoknh }kjk VsªDVj esa Fkzslj e'khu yxdkj nwljs O;fDr 'k=qgu ;kno ds [ksr esa fdjk;s ij /kku dVkbZ dk dk;Z fd;k tk jgk Fkk tks fd chek ikWfylh ds fu;e ,oa 'krksZa rFkk eksVj;ku vf/kfu;e dk mYya?ku gS] fdUrq ifjoknh dks lR;rk dks Nqikdj nkok jkf'k izkIr djus gsrq ?kVuk ds Ik'pkr~ fnukad&12-11-2015 dks iath;u dk;kZy; esa iath;u gsrq izLrqr fd;k x;k gS tks fd ?kVuk ds Ik'pkr~ gSA vukosnd dz-1 }kjk lsok esa dksbZ deh ugha dh xbZ gSA ifjoknh] vukosnd dz-1 ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 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 ifjoknh us vukosnd dz-2 ls _.k izkIr dj fookfnr okgu dks dz; fd;k gS rks ;g LokHkkfod ,oa _.knkrk daiuh ds lkFk fd, x, vuqca/k esa mYysf[kr fu;e ,oa 'krksZa ds vuqlkj _.k dh jkf'k dk Hkqxrku fd'r esa ifjoknh ds }kjk vukosnd dz-2 dks djuk gksxkA vukosnd dz-2 rFkk vukosnd dz- 1 tks fd vyx&vyx daiuh gS vkSj ftldk dk;Z Hkh fHkUu&fHkUu gS bl // 7 // dkj.k fookfnr okgu dk chek ikWfylh ls lacaf/kr dksbZ Hkh dk;Z ;k fookn ;fn i{kdkj ls gksrh gS rks mldk vukosnd dz-2 tks fd ,d Qk;usal daiuh gS ftldk dk;Z dsoy okgu dk Qk;usal djuk gS uk fd chek daiuh ls lacaf/kr dksbZ fookn dk fuiVkjk djus dkA ifjoknh us Lo;a ;g mYys[k fd;k gS fd fookfnr okgu {kfrxzLr gksus ds dkj.k _.k dh vnk;xh djus gsrq etcwj gksuk iM+sxk] blls Li"V gS fd ifjknh Lo;a gh vukosnd dz-2 ls Qk;usal ds nkSjku tks vuqca/k&i= esa fu;e ,oa 'krksZa dks i<+ o le>dj LosPNk ls gLrk{kj fd;k gS vkSj ml vuqca/k&i= dk mYya?ku ifjoknh ds }kjk fd;k tk jgk gS vkSj r; fd, x, fd'r dh jkf'k dk Hkqxrku ifjoknh ds }kjk vukosnd dz-2 dks ugha fd;k tk jgk gS ftlls orZeku eas vukosnd dz-2 daiuh dks ifjoknh ls 6]39]295@&¼N% yk[k mupkyhl gtkj nks lkS iapkucs :Ik;s½ ysuk cdk;k gS ftlds laca/k esa vukosnd dz-2 ds }kjk le;≤ ij ifjoknh dks jkf'k Hkqxrku gsrq fuosnu fd;k tk jgk gS ijUrq ifjoknh }kjk vukosnd dz-2 daiuh dks cdk;k jkf'k dk Hkqxrku tku&cw>dj vkfFkZd {kfr igaqpkus dh fu;r ls ugha fd;k tk jgk gS ftlls vukosnd dz-2 dks viw.khZ; {kfr gks jgh gS ftldk ftEesnkj ifjoknh Lo;a gSA ifjoknh] vukosnd dz-2 ls fdlh izdkj dh {kfriwfrZ izkIr djus dk vf/kdkjh ugha gS D;ksafd ifjoknh ds }kjk fookfnr okgu dks vukosnd dz-2 daiuh ls Qk;usal djk;k x;k gS vkSj Qk;usal daiuh dh cdk;k jkf'k dk Hkqxrku ifjoknh dks djuk gS bl dkj.k tks {kfriwfrZ jkf'k ifjoknh ds }kjk ekuuh; Qksje ls pkgh xbZ gS ml jkf'k dks vukosnd dz-2 dks fnykbZ // 8 // tkosA tc rd vukosnd dz-2 ds laiw.kZ jkf'k dk Hkqxrku ifjoknh ugha dj nsrk gS rc rd dk C;kt Hkh ifjoknh ds Åij vf/kjksfir gksrk tk,xk] bl dkj.k ekuuh; Qksje }kjk ftruh Hkh jkf'k fnykbZ tk,xh mls vukosnd dz-2 dks fnykbZ tkos D;ksafd ifjoknh dh xyrh ds dkj.k vukosnd dz-2 dks vkfFkZd :Ik ls viw.khZ; {kfr gks jgh gSA vr% vukosnd dz-2 ds izLrqr tokc dks Lohdkj djrs gq, vukosnd dz-1 ls fookfnr okgu dh chfer jkf'k rFkk {kfriwfrZ jkf'k vukosnd dz-2 dks fnykbZ tkosA 05- mRrjoknh dz-1@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k jftLVsª'ku fMVsYl] chek ikWfylh] MªkbZfoax ykbZlsal] Fkkus esa dh xbZ fyf[kr fjiksVZ fnukad&12-12-2015] vukosnd dz-2 }kjk ifjoknh dks izsf"kr uksfVl fnukad&01-02-2016] uxj ikfyd fuxe] fcykliqj }kjk tkjh izek.k&i= ,oa fofo/k jlhn fnukad&05-01-2016] vukosnd dz-1 }kjk ifjoknh dks izsf"kr i= fnukad&07 ekpZ 2016] okgu dk QksVksxzk¶l] vkfcZVsªVj dk i=] ifjoknh }kjk vukosnd dz-2 dks izsf"kr i= ,oa iksLVy jlhn fnukad&04-04-2017] vukosnd dz-2 }kjk ifjoknh dks izsf"kr vf/koDrk uksfVl fnukad&09-02-2017] ifjoknh }kjk vkfcZVsªVj dks izsf"kr i= ,oa iksLVy jlhn fnukad&18-04-2017 rFkk ifjoknh }kjk vukosnd dz-2 dks izsf"kr i= fnukad&12-05-2017 dh Nk;kizfr izLrqr fd;k gSA 06- ftyk Qksje us mHk;&i{k dh vksj ls izLrqr vfHkopu ,oa ifjoknh }kjk izLrqr nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ ifjoknh ds ifjokn dks // 9 // Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:} ;g vihy gSA 07- vihykFkhZ@vukosnd dz-1 dh vksj ls nLrkost vihyh; voLFkk esa vfHkys[k esa fy;s tkus gsrq vkosnu&i= izLrqr fd;k x;k gS ,oa vkosnu&i= ds lkFk eksVj losZ fjiksVZ vlslesaV 'khV dks izLrqr djuk pkgk gSA 08- vihykFkhZ@vukosnd dz-1 dh vksj ls izLrqr vkosnu&i= ij mHk;i{k dks lquk x;kA 09- vkosnu&i= ij fopkj fd;k x;kA 10- losZ;j fjiksVZ ,d egRoiw.kZ nLrkost gksrk gS vkSj ,slh fLFkfr esa mls Lohdkj fd;k tkuk mfpr gksxk] ijUrq mDr nLrkost vihyh; voLFkk esa foyac ls izLrqr fd;k tk jgk gSA vr% vihykFkhZ@vukosnd dz-1 }kjk nLrkost vfHkys[k esa fy;s tkus gsrq izLrqr vkosnu&i= 7]000@&¼lkr gtkj :Ik;s½ ifjO;; ij Lohdkj fd;k tkrk gS vkSj nLrkost dks vihyh; voLFkk esa vfHkys[k easa fy;k tkrk gSA 11- tgka rd xq.k&nks"k dk laca/k gS] vihykFkhZ@vukosnd dz-1 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ?ku';ke iVsy dk rdZ gS fd ftyk Qksje us =qfViw.kZ vkns'k ikfjr fd;k gSA ftyk Qksje }kjk fof/kd izko/kkuksa dk ifj'khyu fd, fcuk gh vkns'k ikfjr dj fn;k x;k gSA // 10 // nq?kZVuk fnukad dks ifjoknh osru Hkksxh pkyd }kjk okgu dk pkyu fdjk, ls O;olkf;d iz;kstu ls dj jgk Fkk vkSj bl izdkj og **miHkksDrk** dh Js.kh esa ugha vkrk gSA losZ{kd@vUos"k.k vf/kdkjh }kjk fjiksVZ lkSaih xbZ Fkh ftlesa ik;k x;k Fkk fd VsªDVj ds baftu esa vukf/kd`r :Ik ls Fkszlj e'khu yxkdj mldk mi;ksx fd;k tk jgk Fkk tks fd chek 'krksZa dk mYya?ku gS vkSj blfy, ifjoknh dk nkok mfpr :Ik ls fujLr fd;k x;k gS vkSj ftyk Qksje us dsoy ifjoknh ds vfHkopu ds vk/kkj ij ifjoknh }kjk okafNr {kfriwfrZ dh jkf'k fnyk fn;k gS rFkk ekufld {kfriwfrZ ds :Ik esa 2]00]000@&¼nks yk[k :Ik;s½ fnyk;k gS ftlds laca/k esa dksbZ vk/kkj nf'kZr ugha fd;k x;k gSA vr% vukosnd dz-1 dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr dj ifjokn fujLr fd;k tkosA 12- mRrjoknh dz-1@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh th- Ogh- ds- jko dk rdZ gS fd ifjoknh VsªDVj dzeakd&lh- th- 10 ,-,-@4501 dk iathd`r Lokeh gS vkSj ftls vukosnd dz-2 b.MlbaM cSad ls _.k ysdj [kjhnk Fkk vkSj mDr VsªDVj vukosnd dz-1 ds ikl chfer Fkk rFkk chek vof/k ds vfLrRo esa jgrs gh ifjoknh tc viuk d`f"k dk;Z dj jgk Fkk rks okgu ds lkbZysalj ls fpaxkjh@vkx fudydj [ksr esa gh j[ks /kku ds iSjk ,oa mDr VsªDVj ,oa Fkszlj esa vkx yx x;k ftlds dkj.k ifjoknh dk VsªDVj] Fkzslj ,oa /kku iw.kZr% tydj u"V gks x;k Fkk ftldh lwpuk vukosnd dz-1 dks nh xbZ Fkh ijUrq // 11 // vukosnd dz-1 }kjk dksbZ lg;ksx iznku ugha fd;k x;kA ifjoknh }kjk fdlh izdkj ls chek 'krksZa dk dksbZ mYya?ku ugha fd;k x;k gSA ftyk Qksje us tks vkns'k ikfjr fd;k gS og iw.kZr% mfpr gS] mlesa fdlh izdkj ds gLr{ksi dh vko';drk ugha gSA vr% vukosnd dz-1 dh vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k ;Fkkor~ j[kk tkosA 13- mRrjoknh dz-2@vukosnd dz-2 dh vksj ls milatkr gksus okyh fonq"kh vf/koDrk Jherh uqiqj ikWy dk rdZ gS fd ftyk Qksje us mfpr :Ik ls vukosnd dz-2 dks nkf;Ro ls eqDr fd;k gS blfy, mlds laaca/k esa ftyk Qksje ds vkns'k dks ;Fkkor~ j[kk tkosA 14- 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;k x;kA 15- ifjoknh dh vksj ls jftLVsª'ku fMVsYl] eksVj ikWfylh 'ksM~;wy de lfVZfQdsV vkWQ ba';ksjsal rFkk MªkbZfoax ykbZlsal dh Nk;kizfr izLrqr fd;k x;k gSA bu nLrkostksa ds ifj'khyu ls Li"V gS fd ifjoknh VsªDVj dzekad&lh-th- 10 ,-,-@4501 dk iathd`r Lokeh gS vkSj mDr VsªDVj d`f"k dk;Z ds fy, gh dz; fd;k x;k Fkk vkSj blh d`f"k dk;Z ds fy, gh vukosnd dz-1 ds ikl chfer FkkA // 12 // 16- vc ;g ns[kuk gS fd D;k ifjoknh] chek 'krksZa dk mYya?ku dj okgu dk mi;ksx O;kolkf;d iz;kstu ds fy, dj jgk Fkk\ 17- ifjoknh dh vksj ls ,d fyf[kr fjiksVZ vkj{kh dsUnz] eLrwjh dks fnukad&12-12-2015 dks fn;k x;k gSA bl fjiksVZ esa ifjoknh us Li"V :Ik ls mYysf[kr fd;k gS fd **eSa nkSyr jke ;kno firk Lo- f'kojfFk ;kno] mez&48 lky] lkfdu Qjgnk] Fkkuk lhir] ftyk fcykliqj dk fuoklh gWaw tks fd bl o"kZ xzke xrkSjk ds [ksr dks Bsdk esa /kku cks;k Fkk ftldk felkbZ fnukad&11-12-2015 dks etnwj ds lkFk xrkSjk ds lwth [kkj [ksr esa gh vius u;k VsªDVj VSfQ daiuh fcuk uEcj ftldk psfpl uacj&MEA62D61JE2064662 batu uEcj&5337A64364 ls iqjkuk Fkszlj esa tksM+dj /kku felkbZ dj jgk Fkk fd VsªDVj ds lkbZysalj ls fpaxkjh fudy dj iSjk esa vkx yx x;k] ns[krs gh ns[krs vkx /kku] VsªDVj] Fkzslj esa QSy x;k] cq>kus dk iz;kl fd;s ugha cq>k] vkx ls VsªDVj] Fkzslj] /kku iwjh rjg ty x;kA** ifjoknh dh vksj ls uxj ikfyd fuxe] fcykliqj dk ,d izek.k&i= izLrqr fd;k x;k gSA bl izek.k&i= esa ;g mYysf[kr gS fd **fnukad&11-12-2015 lk;adky 3%30 cts iqfyl daVªksy :e dh lwpuk vuqlkj eLrwjh Fkkuk vUrxZr xzke xrkSjk 'k=q?ku jkBkSj ds [ksr esa /kku felkbZ ds le; VsªDVj batu dzekad&5337A64364 ,oa psfpl dzekad&MEA62D61JE2064662 ,oa Fkszlj e'khu esa vpkud vkx yxus dh lwpuk izkIr gqbZA lwpuk mijkar uxj ikfyd fuxe ds Qk;j okgu dzekad&¼01½ lh- th- 10 ,y- 1115 ?kVuk LFky ij igqaph vkx iw.kZr% // 13 // cq>us ds Ik'pkr~ okgu okil fd;k x;kA** bu nksuksa nLrkost ls Li"V gS fd ifjoknh ds VsªDVj esa vkx yxk Fkk vkSj ftlds dkj.k ls VsªDVj {kfrxzLr gqvk FkkA 18- vukosnd dz-1 dh vksj ls ;g crkus dk iz;kl fd;k x;k gS fd okgu dk O;kolkf;d iz;kstu ls mi;ksx fd;k tk jgk FkkA vukosnd dz- 1 dk mDr rdZ Lohdkj ;ksX; ugha gSA ifjoknh us vius fyf[kr fjiksVZ esa ;g crk;k gS fd og [ksr dks Bsdk esa fy;k Fkk vkSj vius Bsds ls fy, x, [ksr dh /kku dh gh felkbZ dj jgk Fkk vFkkZr~ ifjoknh ftl [ksr dks Bsds esa fy;k Fkk og [ksr ifjoknh ds vkf/kiR; dk gh Fkk vkSj ftlds /kku dks Fkzslj yxkdj felkbZ dj jgk Fkk rc vkx yxk FkkA blls Li"V gS fd ifjoknh }kjk vius Lo;a ds d`f"k dk;Z ds fy, gh VsªDVj dk mi;ksx dj jgk FkkA ifjoknh }kjk fdlh izdkj ds chek 'krksZa dk mYya?ku ugha fd;k x;k FkkA 19- vc ;g ns[kuk gS fd D;k ifjoknh ftyk Qksje }kjk fnyk, x, laiw.kZ jkf'k izkIr djus dk vf/kdkjh gS\ 20- ifjoknh us vius ifjokn&i= dh dafMdk&7 esa ;g vfHkopu fd;k gS fd **vkosnd dk mDr okgu vkxtuh ds nq?kZVuk ds dkj.k iw.kZr% u"V@{kfrxzLr gksdj ejEer ;ksX; ugha jgkA vkosnd dk okgu ty dj iw.kZr% u""V gks x;k ftlls vkosnd dks dqy&5]03]500@&¼ikap yk[k rhu gtkj ikap lkS :Ik;s½ dh {kfr dkfjr gqvk FkkA** ifjoknh }kjk dsoy // 14 // fyf[kr fjiksVZ izLrqr fd;k x;k gS vkSj fyf[kr fjiksVZ esa dsoy ;g crk;k gS fd VsªDVj] Fkzslj] /kku iw.kZr% ty x;k Fkk] ijUrq tks uxj ikfyd fuxe dk izek.k&i= izLrqr fd;k x;k gS mlesa vkx cq>kus dk mYys[k fd;k x;k gS] ijUrq VsªDVj ;k Fkzslj iw.kZr% u"V gqvk Fkk bldk mYys[k ugha gS rFkk ifjoknh }kjk tc Fkkus esa fyf[kr fjiksVZ fn;k x;k gS rks fuf'pr gh Fkkuk eLrwjh esa vkxtuh dh lwpuk ntZ dh xbZ gksxh vkSj rRlaca/k esa jkstukepk lkUgk ntZ fd;k x;k gksxk] ijUrq ifjoknh }kjk mDr jkstukepk lkUgk izLrqr ugha fd;k x;k gS vkSj ,slh fLFkfr esa ;g ugha dgk tk ldrk fd laiw.kZ VsªDVj tydj u"V gks x;k Fkk vkSj blfy, ifjoknh laiw.kZ chfer ewY; izkIr djus dk vf/kdkjh ugha gSA 21- vukosnd dz-1 us vihyh; voLFkk esa eksVj losZ fjiksVZ vlslesaV 'khV izLrqr fd;k gS vkSj losZ;j us {kfr dk vkadyu djrs gq, 4]00]510@&¼pkj yk[k ikap lkS nl :Ik;s½ dk vkadyu fd;k gS ftlesa ysl ,Dlsl ,.M dEiYljh ,Dlsl 2]518@&¼nks gtkj ikap lkS vV~Bkjg :Ik;s½ vkSj lkYost dk 37]695@&¼lSarhl gtkj N% lkS iapkucs :Ik;s½ dVkSrh dj dqy&3]60]297@&¼rhu yk[k lkB gtkj nks lkS larkucs :Ik;s½ {kfr dk vkadyu fd;k gSA 22- tgka rd losZ;j fjiksVZ dk laca/k gS] losZ;j ,d fu"i{k ,oa Lora= O;fDr gksrk gS vkSj losZ;j fjiksVZ dks rc rd R;Dr ugha fd;k tk ldrk tc rd fd mls fu'p;kRed lk{; }kjk [kf.Mr uk dj fn;k tkosA // 15 // 23- Oriental Insurance Co. Ltd. Vs. Jagdish Chand Gupta 2018 (1) CPR 311 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Report of Surveyor must be given due weightage." 24- Devendra Malhotra Vs. United India Insurance Co. Ltd. & Anr. 2016 (3) CLT 525 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Consumer Protection Act, 1986, Sections 2 (1) (g), 19 & 21 (a) (ii)- Insurance claim Surveyor report Held It is a established legal proposition that the report made by the surveyor, who is a professional in his field, cannot disbelieved, unless there are cogent and convincing reasons to do so."
25- Oriental Insurance Co. Ltd. Vs. Pavan Enterprises & Anr. I (2016) CPJ 503 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "12. I see no reason to discard the report of the Surveyor. He appears to be a guideless witness. No motive was ever attributed to him. There must be some reasonable ground or doubt to reject his report. The report of the Surveyor carries infinite significance as was held in Roshan Lal Oil Mills Ltd. & Ors., 2014 (SLT Soft) 1 = 2014 (CPJ Soft) 1 = (2000) 10 Supreme Court Cases 19 and in D.N. Badoni v. Oriental Insurance Co. Ltd., I (2012) C.P.J. 272 (NC)."
// 16 //
26. New India Assurance Company Ltd. Vs. Balaji Emporium I (2015) CPJ 588 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& **losZ;j fjiksVZ dks Ik;kZIr egRo nsuk pkfg, tc rd fd mls vLohd`r djus ds fy, Ik;kZIr ,oa Bksl vk/kkj fo|eku ugha gSA** 27- blh izdkj Iffco-Tokio General Insurance Co. Ltd. Vs. Beena Raghav III (2015) CPJ 75 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& **losZ;j ,d Lora= O;fDr gksrk gS vkSj mlds }kjk tks fjiksVZ fn;k tkrk gS mldk lkf{kd egRo gS vkSj mls rc rd vuns[kk ugha fd;k tk ldrk tc rd mls fo'oluh; lk{; ds }kjk [kf.Mr u dj fn;k tkosA**
28. M/s. Hinafil India Limited vs. United India Insurance Company Limited & Another, 2015 (3) CPR 35 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Surveyor being a third person, report submitted by him is entitled to a great weight and should ordinarily be accepted." 29- pwafd ifjoknh ds }kjk ;g lkfcr ugha fd;k tk ldk gS fd mldk VsªDVj iw.kZ :is.k u"V gks x;k Fkk rFkk iqfyl }kjk ;k fdlh fo'ks"kK }kjk dksbZ izek.k&i= izLrqr ugha fd;k x;k gS fd VsªDVj iw.kZ :is.k tydj u"V gqvk gSA ,slh fLFkfr esa ifjoknh VsªDVj dk ?kksf"kr chfer ewY; izkIr djus dk vf/kdkjh ugha gS vfirq og losZ;j }kjk // 17 // vkadfyr {kfr 3]60]297@&¼rhu yk[k lkB gtkj nks lkS larkucs :Ik;s½ gh izkIr djus dk vf/kdkjh gSA 30- ftyk Qksje us vius vkns'k esa ifjoknh dks ekufld {kfriwfrZ ds :Ik esa 2]00]000@&¼nks yk[k :Ik;s½ fnyk;k gS fdUrq mDr 2]00]000@&¼nks yk[k :Ik;s½ fnyk;s tkus dk dksbZ vk/kkj ugha n'kkZ;k x;k gSA ftyk Qksje us ifjoknh dks tks jkf'k iznku fd;k gS ml ij 09 izfr'kr okf"kZd C;kt dh nj ls C;kt Hkh fnyk;k gS vkSj mlds ckn Hkh 2]00]000@&¼nks yk[k :Ik;s½ ekufld {kfriwfrZ ds :Ik esa fnyk;k gS tks fd iw.kZr% =qfViw.kZ gSA ifjoknh dks ekufld {kfriwfrZ ds :Ik esa ek= 50]000@&¼ipkl gtkj :Ik;s½ fnyk;k tkuk mfpr gksxkA tgka rd okn O;; dk laca/k gS] og iw.kZr% mfpr gS vkSj mlesa gLr{ksi dh vko';drk ugha gSA 31- vr% vihykFkhZ@vukosnd dz-1 esllZ pksyke.Mye ,e- ,l- tujy ba';ksjsal daiuh fyfeVsM dh vksj ls izLrqr vihy vkaf'kd :Ik ls Lohdkj fd;k tkrk gS vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k mikarfjr djrs gq, ;g vknsf'kr fd;k tkrk gS fd%& 1- vihykFkhZ@vukosnd dz-1 esllZ pksyke.Mye ,e- ,l- tujy ba';ksjsal daiuh fyfeVsM] mRrjoknh dz-1@ifjoknh dks vkns'k fnukad ls ,d ekg ds Hkhrj 3]60]297@&¼rhu yk[k lkB gtkj nks lkS larkucs :Ik;s½ dh jkf'k mRrjoknh dz-2@vukosnd dz-2 ds ek/;e ls vnk djsxkA lkFk gh mDr 3]60]297@&¼rhu // 18 // yk[k lkB gtkj nks lkS larkucs :Ik;s½ ij ifjokn izLrqfr fnukad&07-05-2016 ls ysdj jde dh vnk;xh fnukad rd 09 izfr'kr okf"kZd C;kt dh nj ls C;kt Hkh mRrjoknh dz-1@ifjoknh dks vnk djsxkA 2- vihykFkhZ@vukosnd dz-1 esllZ pksyke.Mye ,e- ,l- tujy ba';ksjsal daiuh fyfeVsM] mRrjoknh dz-1@ifjoknh dks ekufld {kfriwfrZ ds :Ik esa 2]00]000@&¼nks yk[k :Ik;s½ ds LFkku ij ek= 50]000@&¼ipkl gtkj :Ik;s½ vnk djsxkA 3- ftyk Qksje us tks okn O;; fnyk;k gS] mls ;Fkkor~ j[kk tkrk gSA 4- bl vihy dk O;; Hkh 3]000@&¼rhu gtkj :Ik;s½ vihykFkhZ@vukosnd dz-1 esllZ pksyke.Mye ,e- ,l- tujy ba';ksjsal daiuh fyfeVsM] mRrjoknh dz-1@ifjoknh dks vnk djsxkA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼Mh- ds- iksn~nkj½ ¼ujsanz xqIrk½ ¼Jherh :fp xks;y½ v/;{k lnL; lnL; lnL;k 13@06@2018 13@06@2018 13@06@2018 13@06@2018