State Consumer Disputes Redressal Commission
M/S Jagdamba Eant Udyog vs S.B.B.J. & Others on 8 April, 2010
jkT; miHkksDrk fookn izfrrks"k vk;ksx jktLFkku t;iqj ifjokn la- 27@2007 M/s Jagdamba Eant Udyog, Geegasar, Deshnok, District Bikaner through Om Prakash Nahata S/o Shri Jhumar Mal Nahata, Aged 54 years, resident of Deshnok, District Bikaner. --- Cimplaniant Versus 1- State Bank of Bikaner and Jaipur, Branch Deshnok, Deshnok, District Bikaner. 2- Assistant General Manager- II, State Bank of Bikaner and Jaipur, public park, D-Sector, Shastri Nagar, Bikaner. 3- National Insurance Company through its Regional Manager, Regional office, Narain Singh Circle, Jaipur. --- Respondents
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% Jh 'kf'k dqekj ikjhd mifLFkr ifjoknh % Jh ts-ds- /khaxM+k ,MoksdsV jslikMsaV 1] 2 % Jh vfHk"ksd tSu ,MoksdsV jsLikMsaV 3 % Jh fnus'k dkyk ,MoksdsV )kjk % ekuuh; lnL;] Jh 'kf'k dqekj ikjhd bl ifjokn ds rF; laf{kIr esa bl izdkj gSa fd ifjoknh vkse izdk'k ukgVk us txnEck bZaV m|ksx ds uke ls xhxklj] ns'kuksd esa bZaV HkV~Vk yxkus gsrq foi{kh la- 1 ls _.k dk vkosnu fd;k rFkk fnukad% 7&5&2003 dks mls _.k Lohd`r gqvk tks vusDlpj&1 gS ftlds vuqlkj 5-20 yk[k fLFkj rFkk 4-65 yk[k lkof/k _.k Lohd`r fd;k x;k A fnukad% 7&6&2003 dks nLrkost fu"iknu fd;k ftlesa vusDlpj&2 _.k dk vuqcU/k gS ftldh 'krZ la- 8 ds vuqlkj chek cSad dks fu;ekuqlkj djkuk Fkk A vusDlpj&3 lEifRr o eky dk cU/kd o vkM+eku nLrkost gS ftldh 'krZ la-
&2& 31 ds vuqlkj rFkk n`f"V cU/kd vuqcU/k dh 'krZ la- 6 ds vuqlkj izkFkfed :i ls _.kh dks cU/kd j[kh gqbZ py vpy lEifRr dk chek cSad )kjk fu/kkZfjr chek ewY; ij rFkk cSad )kjk vuqeksfnr chek dEiuh ls djkuk Fkk] ,slk ugha djus ij cSad dks ;g fodYi Fkk fd og pkgs rks lEifRr dk chek _.kh ifjoknh ds [kkrs ls izhfe;e dkVdj djk lds] ifjoknh dk dFku gS fd cSad us ifjoknh dks dHkh Hkh ;g uksfVl ugha fn;k fd fdrus ewY; dk o fdl chek dEiuh ls chek djkuk gS rFkk cSad ds fu;ekuqlkj o cSad izsfDVl ds vuqlkj cSad gh chek djkrh gS] fnukad% 8&2&2005 dks vksyk o`f"V ls mldh pkj yk[k bZaVsa u"V gks x;ha] HkV~Vh o fpeuh iw.kZr% [kjkc gks x;ha rFkk dkj[kkus dh ,d nhokj VwV x;h] ifjoknh dks irk yxk fd cSad us chek ugha djk;k gS ftl ij fnukad% 9&2&2005 dks mls ,d uksfVl nsdj lEifRr dh {kfr gksus o cSad dk nkf;Ro gksuk vafdr fd;k] ftldk tcko cSad us ugha fn;k A vusDlpj&4 v[kckj dh dfVax] vusDlpj&5 i=k is'k fd;k] cSad us rRi'pkr fnukad% 25&8&2006 dks /kkjk 13¼2½ Securitisation Act 2002 esa dk;Zokgh djrs gq, lEifRr vius dCts esa ys yh] ftlds lEcU/k esa ekuuh; mPp U;k;ky; esa ;kfpdk nkf[ky dh x;h tks [kkfjt gksus ij [k.MihB esa ;kfpdk Lohdkj gksdj vusDlpj&6 ds tfj;s funsZ'k fn;k fd ifjoknh rhu ekg esa lEifRr foØ; djsxk vU;Fkk cSad fu;ekuqlkj dk;Zokgh djsxh A ifjoknh us chek lEifRr dk ugha djkus ds fy, cSad dks nks"kh ekurs gq, lEifRr dh {kfr 15 yk[k :i;s] O;kikj {kfr 12 yk[k :i;s vkSj flfoy okn ds 60]000@&:-] ekufld larki dk izfrdj 05 yk[k :i;s ekaxrs gq, dqy 32 yk[k 60 gtkj :i;s fnykus dk ifjokn fd;k] ifjokn dh izfØ;k ds nkSjku nks nLrkost vkSj is'k fd;s ftlesa cSad ds ys[kkuqlkj fnukad% 11&3&2005 dks 1223@&:- chek izhfe;e ds dkVs x;s o blds ,ot esa chek ikWfylh 19&3&2005 ls 18&3&2006 rd dh LVS.MMZ Qk;j ,.M Lis'ky isfjy ikWfylh yh tks dqy ewY; 11 yk[k 10 gtkj dh Fkh ftlesa 3-50 yk[k Hkou ds] 1-60 yk[k IykaV e'khujh ds o 6 yk[k LvkWd bu izkslsl dk Fkk A ifjoknh dk dFku gS fd izkFkfed :i ls cSad izsfDVl o 'krksZa ds vuqlkj cSad dks ifjoknh dks uksfVl nsuk pkfg;s Fkk fd fdruh :i;s dk chek fdl vuqeksfnr chek dEiuh ls djkuk gS ,slk ugha djus ij cSad dk nkf;Ro Fkk fd og chek djkrk] foi{kh la- 1 o 2 us chek rks djk;k fdUrq fnukad% 8&2&2005 dks {kfr gksus ds ckn djk;k o nks lky rd chek ugha djkdj lsok esa deh dh gS A &3& foi{kh la- 3 us dgk fd mls vuko';d i{kdkj cuk;k x;k gS rFkk fnukad% 8&2&2005 dks dksbZ chek ugha gksuk dgk] foi{khx.k la- 1 o 2 us tcko esa ifjokn vof/k ckf/kr gksuk dgk rFkk chek ds lEcU/k esa e/;LFk dks ekeyk jSQj gksuk dgk] ;g Hkh dgk fd vusDlpj&2 o 3 ds vuqlkj fu;e 31 o 6 ds vuqlkj izkFkfed :i ls chek djkus dk nkf;Ro _.kh dk gS] _.kh ;fn chek ugha djkrk gS rks cSad dks ;g fodYi gS fd og chek djk ys] fdUrq og ck/; ugha gS] vr% chek u djkus ls mudk dksbZ nkf;Ro ugha curk A cgl lquh x;h] i=kkoyh dk voyksdu fd;k x;k A foi{kh dh vksj ls fuEu U;kf;d n`"Vkar is'k fd;s x;s %& Uco Bank V/s Gadadhar Mohapatra I(2007) CPJ 29 N.C. Ifjoknh dh vksj ls blh cSap dk ekuuh; jk"Vªh; vk;ksx dk Allahabad Bank V/s J.D.S. Electronic Company 2007 NCJ 428 (N.C.) dk n`"Vkar is'k fd;k x;k o dgk x;k fd foi{khx.k dk is'k fd;k U;kf;d n`"Vkar rF; o ifjfLFkfr esa gLrxr izdj.k esa ykxw ugha gksrk] fdUrq muds )kjk izLrqr U;kf;d n`"Vkar ykxw gksrk gS] foi{khx.k dh vksj ls ;g Hkh dgk x;k fd {kfr dk vkadyu uk rks ifjoknh us djk;k vkSj uk gha cSad us djk;k] vr% {kfr gksuk izekf.kr ugha gS A gekjs vuqlkj bl izdj.k esa nks fopkjkFkZ foUnq gSa izFke vk;k cSad chek djkus dks ck/; Fkk \ f)rh; vk;k ifjoknh crk;h x;h {kfr o izfrdj ikus dk vf/kdkjh gS \ cgl ds nkSjku ifjokn vof/k ds vUnj ugha gksus ds lEcU/k esa dksbZ rF; izdV ugha fd;s x;s gSa A vksyk o`f"V fnukad% 8&2&2005 dks gqbZ Fkh rFkk uksfVl 9&2&2005 dks fn;k Fkk fdUrq cSad us dksbZ dk;Zokgh djus ds ctk; 25&8&2006 dks Securitisation Act esa dk;Zokgh dh rc okndj.k iSnk gqvk o ifjokn fnukad% 1&10&2007 dks is'k gqvk tks izFke n`"V vof/k ds vUnj gS A tgka rd vkjchVªs'ku esa tkus dk iz'u gS /kkjk 3 miHkksDrk laj{k.k vf/kfu;e 1986 ds vuqlkj miHkksDrk laj{k.k vf/kfu;e ds izko/kku &4& vU;
vf/kfu;e ds izko/kku ds gksrs gq, Hkh ykxw gksaxs A bu nksuksa vkifRr;ksa ij T;knk tksj Hkh ugha fn;k x;k A tgka rd cSad dh chek djkus dh ck/;rk dk iz'u gS ;wdks cSad okys ekeys esa ekuuh; jk"Vªh; vk;ksx us ;g ik;k fd _.kh us 60]000@& :-
_.k fy;k Fkk rFkk n`f"V cU/kd vuqcU/k fd;k Fkk] ckn esa 20]000@& :- dk _.k vkSj fy;k tc mlls izhfe;e chek ds dkVs x;s Fks bl ekeys esa igys vuqcU/k esa chek dh izhfe;e ugha dkVk x;k Fkk rFkk chek dsoy vkx dk djk;k Fkk fdUrq nqdku esa pksjh gqbZ Fkh] cSad us dksbZ Hkh izhfe;e Hkjdj _.kh ds lkeku dk chek djk;k gh ugha Fkk] ,slh fLFkfr esa ml izdj.k ds rF; o ifjfLFkfr esa ;g ik;k fd izFke n`"Vk _.kh gh chek djkus dks nkf;Rok/khu Fkk A ifjoknh dh rjQ ls bykgkckn cSad dk tks U;kf;d n`"Vkar is'k fd;k x;k gS mlesa _.kh dks cSad us dksbZ uksfVl ugha fn;k fd fdrus dk chek fdl vuqeksfnr chek dEiuh ls djkuk gS rFkk nks lky rd chek djk;k] ckn esa chek ugha djk;k] ifjoknh _.kh dks uksfVl Hkh ugha fn;k fd oks Lo;a chek djkos] ,slh fLFkfr esa cSad dks nkf;Rok/khu ekuk x;k fd chek mls gh djkuk Fkk A gLrxr ekeys ds rF;ksa esa ;g U;kf;d n`"Vkar esy [kkrh gS tks cSad us _.kh dks dHkh Hkh uksfVl ugha fn;k fd mls fdrus dk chek fdl vuqeksfnr chek dEiuh ls djkuk gS rFkk Lo;a us 11&3&2005 dks chek izhfe;e fcuk uksfVl fn;s dkV fy;k rFkk 19&3&2005 ls chek djk;k] tc fd nq?kZVuk igys ?kfVr gksdj uqdlku gks pqdk Fkk A vr% _.k ysrs gh chek cSad ds fu;ekuqlkj ugha djkuk gh lsok esa deh gS D;ksafd Lohd`fr i=k esa chek ds lEcU/k esa ;g dgk x;k gS fd chek t:j gksxk fdUrq cSad ds fu;ekuqlkj A bl rjg ls ge ikrs gSa fd ;fn cSad pkgrh rks _.kh dks lwfpr dj mlls chek djok ldrh Fkh fdUrq mls uksfVl ugha nsdj vkSj uk gha [kqn ds fodYi esa chek djkdj lsok esa deh dh gS] cSad izfDVl ds vuqlkj cSad us ugha crk;k fd fdlh ekeys esa Hkh _.kh us chek djk;k gks A vr% bykgkckn cSad dk U;kf;d n`"Vkar bl ekeys esa ykxw gksus ls ;g ik;k tkrk gS fd foi{khx.k la- 1 o 2 us fnukad% 8&2&2005 ds fy, fpeuh] HkV~Vh o dPph bZaVksa dk chek ugha djkdj lsok esa deh dh gS A &5& tgka rd {kfr dk iz'u gS] ifjoknh us 4]00]000 dPph bZVsa u"V gksuk dgk gS rFkk fpeuh o HkV~Vh iw.kZr% {kfrxzLr gksuk o ,d nhokj fxjuk dgk gS] vusDlpj&4 v[kckj dh dfVax ls ;g izdV gksrk gS fd xhxklj esa bZV HkV~Vs dks uqdlku gqvk Fkk] ifjoknh us cSad dks izn'kZ&5 uksfVl ns fn;k Fkk blds ckn Hkh cSad us dksbZ {kfr vkadyu ugha fd;k] cfYd 19&3&2005 dks tks lkeku o lEifRr cph gqbZ Fkh mldk chek djk;k gS] vr% cSad ds ikl {kfr dk vkadyu djus dk iwjk volj Fkk] chek ikWfylh fnukad% 19&3&2005 esa Hkou dk chek 3]50]000@& :-
IykaV e'khujh 1]60]000@& LVkd izkslsl dk chek 6]00]000@&:- dk djk;k gS vr% ifjoknh dk ;g dFku ekuus ;ksX; gS fd 4]00]000 dPph bZVsa mldh u"V gks x;ha A dPph bZaV dh ykxr 1@&:- izfr bZaV ls 4]00]000@& :- vkadh tkrh gS A fpeuh o HkV~Vh ds fy, _.k 1]12]000@&:- dk Lohd`r gqvk Fkk vr% fpeuh o HkV~Vh o nhokj dh {kfr 80]000@& :- r; dh tkrh gS] ekufld izfrdj 15000@&:- o ifjokn O;; 5000@&^:- r; fd;s tkrs gSa] dqy 5]00]000@&:- v{kjs ikap yk[k :i;s {kfr rFkk bl ij fnukad% ifjokn 1&10&2007 ls rkvnk;xh 9 izfr'kr okf"kZd C;kt fnyk;k tkuk mfpr gS A 'ks"k ifjokn ;kuh O;kikj dh {kfr Lohdkj djus ;ksX; ugha gS D;ksafd chek gks rks Hkh O;kikj dh {kfr ugha feyrh A vr% mijksDr foospu] fo'ys".k o ewY;kadu ls ifjoknh dk ifjokn fo:) foi{kh la- 3 [kkfjt fd;k tkrk gS fdUrq foi{khx.k la- 1 o 2 ds fo:) vkaf'kd :i ls Lohd`r djrs gq, chek ugha djus ls gqbZ lsok esa deh ds cnys {kfr dk izfrdj 4]80]000@&:- v{kjs pkj yk[k vLlh gtkj :i;s] ekufld larki 15]000@&:- v{kjs iUnzg gtkj :i;s o ifjokn O;; 5]000@&:- v{kjs ikap gtkj :i;s dqy 5]00]000@& :- v{kjs ikap yk[k :i;s rFkk bl ij rkjh[k ifjokn 1&10&2007 ls rkvnk;xh 9 izfr'kr okf"kZd C;kt ifjoknh dks foi{khx.k ,d ekg esa vnk djsaxs A pwafd ifjoknh foi{khx.k dk _.kh gS vr% ;fn foi{khx.k ds _.k [kkrs esa ifjoknh dh vksj dksbZ jde cdk;k gks rks mDr jkf'k esa ls lek;ksftr dj ifjoknh dks lwfpr djus dks LorU=k gksxs A 'ks"k ifjokn [kkfjt fd;k tkrk gS A lnL; v/;{k ;kno@&