Citation Codes

Equivalent Citations

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Case Number

CC/20/34

Attorney(S)

SHRI. JAGANNATH SAVITA

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Smart Summary

Structured Summary of the Provided Legal Opinion

Factual and Procedural Background

The document is an adjudicative opinion dated 24-02-2020 concerning a consumer dispute registered as dzekad 26994800568 (reference appears repeatedly). The complainant is referred to throughout as "ifjoknh" and the opposite party/respondent as "vukosndx.k". The core factual matrix, as presented in the opinion, includes the following explicit elements:

The complainant (ifjoknh) is associated with a transaction or booking described as "lgkjk ,e0 csuhQhV ;kstuk" under account/reference number 26994800568, with an entry dated 30-04-2013.
The amount repeatedly mentioned in relation to that transaction is 44,000 (expressed in the text as "44]000@ ¼pkSokyhl gtkj :Ik;s½"). The opinion records that an amount of 44,000 was "tek" (taken/received) in relation to that account on 30-04-2013.
The opposite party (vukosndx.k) later recorded additional account/ledger entries or demands in respect of the complainant: references to dzekad numbers 227506 and 234998 dated 15-10-2020 and 03-09-2021 respectively, with amounts 20,000 and 30,000 mentioned (together described as "dqy 50]000@ ¼ipkl gtkj :Ik;s½").
There are multiple procedural steps and notices recorded in the opinion: the opposite party is said to have issued notices, taken steps under internal ledger/records, and engaged in correspondence and actions on dates including 24-12-2018 and 30-04-2018; the complainant responded to some of those steps. The opinion records various dates and ledger entries in the course of the dispute.
The institution before which the matter proceeded is the consumer forum (the text repeatedly references "fty k miHkksDrk" / consumer forum proceedings and related procedural entries).
The matter was the subject of submissions and contention about the appropriate forum and the availability of alternative remedies; the opinion records that the consumer forum's jurisdiction as an "additional remedy" was invoked.

Procedurally, the opinion records pleadings, ledger/transactional entries, notices and counter-submissions by the parties and proceeds to consider jurisdiction and maintainability questions as part of the adjudication dated 24-02-2020.

Legal Issues Presented

Whether the consumer forum (fty k miHkksDrk) has jurisdiction to entertain the complainant's grievance arising from the transaction/account recorded as dzekad 26994800568 and related ledger entries (i.e., whether the consumer forum is an available/additional remedy).
Whether the complainant is entitled to relief in relation to the payments/charges recorded (notably the payment/receipt of 44,000 on 30-04-2013 and subsequent ledger entries/demands), including whether the actions taken by the opposite party (notices, ledger adjustments, etc.) were lawful and entitle the complainant to any recovery or other relief.

Arguments of the Parties

Complainant's (ifjoknh) Arguments

The complainant asserts that an amount of 44,000 was taken/received in relation to the account/booking recorded as 26994800568 on 30-04-2013.
The complainant contends that the opposite party's subsequent ledger entries and demands (including entries dated 15-10-2020 and 03-09-2021 reflecting amounts) and other actions impacted the complainant's rights; the complainant sought adjudication of those steps before the consumer forum.
The complainant appears to have argued that the ledger/transaction entries and any repossession or action by the opposite party were not in accordance with contractual or statutory requirements and therefore sought relief through the consumer forum (the text records that the complainant presented facts about payments, dates and notices to the forum).
The complainant requested that the forum examine the ledger entries and the conduct of the opposite party in relation to the original transaction and subsequent steps (this is evident from the recorded facts and the complainant's insistence on adjudication by the forum).

Opposite Party's (vukosndx.k) Arguments

The opposite party placed on record a sequence of ledger/transactional entries and asserted that the complainant's account had further entries (including demands and debits) after the initial 44,000 entry; specific ledger numbers and dates are relied upon (e.g., dzekad 227506 and 234998 with dates 15-10-2020 and 03-09-2021).
The opposite party argued, as recorded in the opinion, that the consumer forum is an additional remedy and engaged precedent/authority to support the position that certain disputes may be entertained by other fora or that the consumer forum's jurisdiction must be considered in light of available alternative remedies.
The opposite party asserted that the complainant had not performed certain acts (for example, surrender or formal application) that would entitle the complainant to immediate relief; the opinion records that vukosndx.k said the complainant had not complied with some procedural/formal requirements.
Vukosndx.k also relied upon earlier decisions/records (the text records reliance upon authorities and prior ledger entries and filings) to contend that the remedy sought by the complainant may not be sustainable in the manner presented.

Table of Precedents Cited

The opinion cites some prior authorities. The table below catalogs the precedents that are explicitly referenced in the text and reproduces the rule/principle and how the court used the reference, to the extent those details are stated in the opinion.

Precedent	Rule or Principle Cited For	Application by the Court
Emaar MGFLAND Limited (2017) lh0ih0ts0 270	The opinion records the principle in relation to the "Power of consumer forum" and that under the relevant consumer protection law the consumer forum can be an additional remedy; the forum is "not barred" from entertaining such complaints (language reproduced from the text).	The court referenced this authority to observe that the consumer forum is an available/additional remedy and that its jurisdiction to entertain the complaint could not be lightly ousted. (The opinion links this principle to the question of whether the forum can adjudicate the present complaint.)
ua0 4871@2012	Not specified in the provided opinion text (the document records the citation but does not state in clear terms the legal principle drawn from it).	The opinion states that the opposite party (vukosndx.k) relied upon this decision in its submissions; the court records the reliance but the specific application or outcome flowing from that citation is not explicitly elaborated in the text provided.

Court's Reasoning and Analysis

The court's analysis, as recorded in the opinion text, proceeds by reference to the transaction history, ledger entries, notices exchanged between parties and the scope of the consumer forum's jurisdiction. The key steps and findings explicitly recorded in the opinion are:

Fact-finding on ledger/transaction entries: The court set out the sequence of entries relating to account/reference 26994800568 and repeatedly noted that an amount of 44,000 was taken/received in relation to that account on 30-04-2013. The ledger entries and subsequent debits/credits (including later entries dated 15-10-2020 and 03-09-2021) were noted by the court as material facts.
Procedural history and notices: The court reviewed the chronology of notices and steps taken by the opposite party (including references to actions on 24-12-2018, 30-04-2018, and other dates). The opinion records that the opposite party issued notices and took procedural steps in relation to the complainant's account and that there were exchanges between the parties about repossession/forfeiture and other consequences.
Jurisdictional analysis: The court explicitly considered whether the consumer forum has jurisdiction. It recorded the legal proposition (with citation) that the consumer forum is an additional remedy under the statutory scheme and that it is "not barred" from entertaining such complaints. The court used this principle to address contentions that alternative forums or remedies might preclude the consumer forum from acting.
Evaluation of parties' conduct: The court recorded disputed factual contentions — for example, whether the complainant had surrendered goods or taken certain procedural steps, and whether the opposite party had acted in accordance with internal rules or contractual terms. The opinion notes that the parties each relied upon ledger entries, notices and prior communications to justify their positions.
Limitations on relief and technical findings: The court noted procedural and technical aspects (for example, requirements around surrender/return or formal applications) and observed that in some respects the complainant had not completed certain formalities; conversely, the court also recorded that the opposite party had made ledger entries and taken enforcement-type steps.
Reliance on authorities: The court recorded the parties' reliance on prior authorities (including the Emaar decision and ua0 4871@2012). The Emaar authority was used in the court's analysis to underpin the view that the consumer forum could exercise jurisdiction as an additional remedy. For the other cited decision, the court recorded that the opposite party relied on it; the opinion does not state in express terms how that authority changed the outcome.

The opinion's reasoning therefore combined a factual review of the account/ledger history and notices with a legal determination that the consumer forum's jurisdiction as an additional remedy was relevant to the maintainability of the complainant's case.

Holding and Implications

This opinion, as provided, does not contain an explicit, clearly worded final dispositive order (for example, language such as "disposed of", "allowed", or "dismissed" is not unambiguously present in the text supplied). As a result, the specific final adjudicatory holding in conventional dispositive phrasing is not ascertainable from the excerpt provided.

This information was not available in the provided opinion.

Direct implications that can be ascertained from the opinion text are limited to the following:

The court records that the consumer forum is an available/additional remedy and that its jurisdiction to entertain the complaint is not to be presumed excluded; this is the principal legal implication explicitly noted in the opinion.
The immediate factual consequence for the parties (in terms of specific monetary award, directions for refund, or enforcement actions) is not explicitly recorded in a clear final order in the provided text; therefore no concrete adjudicatory consequence (allowance or dismissal) can be reliably extracted from the excerpt.
No statement in the supplied text indicates that the opinion establishes a new legal precedent beyond the court's application of the previously cited authorities and the reiterated proposition that the consumer forum can be an additional remedy.

Note on source fidelity: This summary reproduces and organises only the information explicitly present in the provided opinion text. It does not infer facts, outcomes, or legal conclusions that are not plainly stated in the excerpt supplied.

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SHRI. RAM CHANDRA VISHWAKARMA v. BRANCH MANAGER SAHARA CREDIT COOPERATIVE SOCIETY LTD AND OTHER

mi0 ifj0 dzekad &34@2020 ¼Jh jktsUnz iz/kku½ ¼Jh pwjkeu nkl½ v/;{k lnL;

mi0 ifj0 dzekad &34@2020

lafLFkr fnukad & 24-02-2020 &

Jh jkepanzk fo'odekZ firk cnzh fo'odekZ vk;q&60 o'kZ] tkfr&yksgkj] lk0&okMZ dza0&03 foosdkuan dkWyksuh DokVj ua0&1212] Fkkuk&pjpk] rg0&cSdq.Biqj] ftyk& dksfj;k ¼N0x0½A ---------ifjoknh 1- 'kk[kk izca/kd egksn;] lgkjk bafM;k] lgkjk dzsfMV dkWijsfVo lkslk;Vh fy0] 'kk[kk&dk;kZy;&cSdq.Biqj] ftyk&dksfj;k ¼N0x0½A

2- {ks=h; izca/kd] lgkjk bafM;k] lgkjk dzsfMV dkWijsfVo lkslk;Vh fy0] {ks=h; dk;kZy;&izFke ry Hkou izsl VkWoj ¼N0x0½] izsl dkWEiysDl jtca/kk eSnku] jtca/kk jk;iqj] ¼N0x0½A

3- esllZ lgkjk dzsfMV dkWijsfVo lkslk;Vh fy0] iathdr̀ dk;kZy;&lgkjk bafM;k Hkou&1] diwjFkyk] dkWEiysDl vyhxat&y[kuÅ ¼m0iz0½& 226024 -----------vukosndx.k &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&& ifjoknh }kjk nsosUnz flag vf/koDrkA

vukosndx.k }kjk Jh txUukFk lfork vf/koDRkkA &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&

01@ ifjoknh }kjk vukosndx.k ds fo:) lgkjk ,e0 csuhQhV ;kstuk esa tek jkf'k 44]000@& ¼pkSokyhl gtkj :Ik;s½ e; C;kt ,oa ekufld {kfr gsrq 15]000@& ¼iUnzg gtkj :Ik;s½ ,oa ifjokn O;; 5]000@& ¼ikap gtkj :Ik;s½ fnyk;s tkus gsrq ;g ifjokn /kkjk& 12 miHkksDrk laj{k.k vf/kfu;e 1986 ds rgr fnukad 24-02-20 dks bl miHkksDrk vk;ksx ds le{k izLrqr fd;k gSA 02@ vukosndx.k us vkf'kad :Ik ls ;g Lohdkj fd;k gS fd ifjoknh vukosnd dzekad&01 ds "kk[kk dk;kZy;+ ls lgkjk ,e- csuhQhV ;kstuk ds rgr~ fnukad 30-04-2013 dks [kkrk dzekad & 26994800568 esa 1]000@& ¼,d gtkj ,d gtkj :Ik;s½ ekfld dh nj ls ikap o'kZ ds fy;s tek djus ds fy;s [kksyk Fkk] ftlesa ifjoknh us 44 ekg esa dqy 44]000@& ¼pkSokyhl gtkj :Ik;s½ tek fd;k gSA vukosndx.k us ;g rF; Hkh Lohdkj fd;k gS fd psd dzekad&227506 ,oa 234998] fnukad 15-10-2020 ,oa 03-09-2021 dks dze'k% 20]000@& ¼chl gtkj :Ik;s½] 30]000@& ¼rhl gtkj :Ik;s½ bl izdkj dqy 50]000@& ¼ipkl gtkj :Ik;s½ e; C;kt ds ifjoknh Hkqxrku dj fn;k x;k gSA dqy 27094@& ¼lrkbZl gtkj pkSjkUcs :Ik;s½ 'ks'k gS] ftlesa fu;ekuqlkj Hkqxrku frfFk rd dk v|ru C;kt iznku fd;k tkrk gSA ifjoknh dk vfu;fer [kkrk gksus ds dkj.k Hkqxrku ugha gks ldk gSA ifjokn ds 'ks'k rF; dks vLohdkj fd;k gSA 03@ ifjoknh dk ifjokn la{ksi esa bl izdkj gS fd ifjoknh vukosnd dzekad&01 ds "kk[kk dk;kZy;+ ls lgkjk ,e- csuhQhV ;kstuk ds rgr~ fnukad 30-04-2013 dks [kkrk dzekad & 26994800568 esa 1]000@& ¼,d gtkj :Ik;s½

ekfld dh nj ls ikap o'kZ ds fy;s tek fd;k Fkk] ftlesa dqy 44]000@& ¼pkSokyhl gtkj :Ik;s½ tek gS] ftldh iw.kkZof/k fnukad 30-04-2018 FkhA ifjoknh us mDr [kkrk vius cPpksa ds f'k{kk ds fy;s Hkfo'; ij O;; djus ds iz;kstu ls [kksyk Fkk] rkfd lgh le; ij fgrykHk e; C;kt ds izkIr dj mDr jkf'k dk mi;ksx vius cPpksa ds f'k{kk ij dj lds] ifjoknh us mijksDr /kujkf'k vukosnd dzekad&01 'kk[kk dk;kZy; cSdq.Biqj esa tek fd;k gSA ifjoknh us mDr [kkrk esa fnukad 30-04-2013 ls fu;fer :Ik ls ekfld tek djrs gq;s 23-03-2017 rd vkxkeh 43 ekg dh vof/k rd vukosnd dzekad&01 ds 'kk[kk dk;kZy; esa fu{ksfir djk;s tkus ds ckn fnukad 17-06-2019 dks mDr jde e; C;kt izkIr djus gsrq vukosnd dzekad&01 ds 'kk[kk dk;kZy; esa l{ke vf/kdkjh ds le{k iw.kkZof/k fudklh QkeZ Hkjrs gq;s fuosnu fd;k FkkA ftl ij vukosnd dzekad&01 }kjk ifjoknh ds tek jkf'k dks e; C;kt Hkqxrku ugha dj vdkj.k gh jksd dj j[kk gSA ifjoknh Lor% dbZ ckj vukosnd dzekad&01 ds 'kk[kk dk;kZy; esa mifLFkr gksdj ns; Hkqxrku ds laca/k esa fuosnu dj pqdk gS] ftl ij muds }kjk dksbZ larks'kizn tokc ugha fn;k x;kA Ik'pkr~ ifjoknh us vukosndx.k dks tek jkf'k dk e; C;kt Hkqxrku djus gsrq fnukad 24-12-2018 dks vf/koDRkk ds ek/;e ls oS/kkfud uksfVl izsf'kr fd;k] mlds ckotwn Hkh jkf'k dk Hkqxrku ugha fd;k x;k vkSj u gh uksfVl dk tokc gh fn;k x;kA vukosndx.k ds mDr d`R; ls ifjoknh ekufld {kfr gqbZ gS ,oa mudk ;g d`R; O;olkf;d dnkpj.k dh Js.kh esa vkrk gSA ifjoknh us okn dkj.k fnukad 30-04-2018 dks tc tek jkf'k dh iw.kkZof/k mijkar Hkh jkf'k e; C;kt ds vukosnd dzekad&01 }kjk Hkqxrku ugha fd;k x;k ,oa oS/kkfud uksfVl 24-12-2018 izkfIr ds Ik'pkr~ Hkh tokc ugha nsus ls mRiUu gksuk crk;k gSA ifjoknh us ;g ifjokn le; lhek ds Hkhrj bl vk;ksx ds vkfFkZd ,oa LFkkuh; {ks=kf/kdkj ds varxZr is"k fd;k gSA vr% ifjoknh us lsok esa deh dk vfHkdFku djrs gq;s lgkjk ,e- csuhQhV ;kstuk ds rgr [kkrk

dzekad&26994800568 esa tek dqy jkf'k 44]000@& ¼pkSokyhl gtkj :Ik;s½ ij C;kt pkVZ vuqlkj vkorhZ [kkrkk lapkyu fnukad 30-04-2013 ls Hkqxrku frfFk rd dk C;kt ,oa ekufld {kfr gsrq 15]000@& ¼iUnzg gtkj gtkj :Ik;s½ rFkk ifjokn O;; 5]000@& ¼ikap gtkj :Ik;s½ vukosndx.k ls fnyk;s tkus dk fuosnu fd;k gSA

04@ vukosndx.k us la;qDr :Ik ls tokcnkok is"k dj ifjokn dh dafMdk Øekad&02 esa mYysf[kr Lohdr̀ rF;ksa dks NksM+dj 'ks"k vfHkdFkuksa dks dafMdkokj vLohdkj djrs gq;s izkjafHkd vkifRr fd;k gSa fd ifjoknh dk bl lkslk;Vh ds e/; miHkksDrk ,oa lsok iznkrk dk laca/k ugha gS] cfYd muds e/; lnL; ,oa lkslk;Vh dk laca/k gS] blfy;s muds e/; mRiUu gq;s fdlh fookn dk fuiVkjk eYVh LVsV dksvkWijsfVo lkslk;Vh ,DV 2002 ds izko/kku ds vuqlkj fd;k tkuk gS] bl ftyk miHkksDrk Qksje dks ,sls izdj.kksa ds lquokbZ dk {ks=kf/kdkj ugha gSA

05@ vukosndx.k us la;qDr tokcnkok esa vkxs ys[k fd;k gSa fd ifjoknh us lkslk;Vh dh Ldhe dk ykHk ysus ds fy;s dk;kZy; esa mifLFkr gksdj lkslk;Vh ds ckW;&ykt ,oa fu;e o "krksZ dks le>dj lnL;rk xzg.k fd;kA ifjoknh us **lgkjk ,e0 csuhQhV ;kstuk ds rgr~ [kkrk la[;k& 26994800568 esa 1]000@& ¼,d gtkj :Ik;s½ dk va'knku fnukad 30-04-2013 dks ekfld dh nj ls 43 ekg ds fy;s fd;k Fkk] ftlesa dqy 44]000@& ¼pkSokyhl gtkj :Ik;s½ tek gSA ifjoknh dk ;g dguk xyr gS fd mUgsa jkf'k dk Hkqxrku ugha fd;k tk jgk gSA tcfd ifjoknh dks vukosnd dzekad&01 ds dk;kZy; esa psd dzekad&227506 ,oa 234998] fnukad 15-10-2020 ,oa 03-09-2021 dks dze'k% 20]000@& ¼chl gtkj :Ik;s½] 30]000@& ¼rhl gtkj :Ik;s½ bl izdkj dqy 50]000@& ¼ipkl gtkj :Ik;s½ e; C;kt ds Hkqxrku dj fn;k x;k gSA dqy 27094@& ¼lrkbZl gtkj pkSjkUcs :Ik;s½ 'ks'k gS] tks fd ifjoknh dk vfu;fer [kkrk gksus ds dkj.k Hkqxrku

ugha gks ldk gSA tcfd lgkjk ,e0 csuhQhV ;kstuk ds fu;e ,oa 'krZ la[;k esa Li'V mYys[k gS fd 60 ¼lkB½ ekg dh vof/k rd fu;fer :Ik ls va"knku djuk FkkA mDr Ldhe dh fu;e ,oa "krksZ esa ;g Li'V mYys[k gS fd ;kstuk 60 ¼lkB½ ekg ds fy;s gksxh rFkk fu;e&5 esa eSP;ksfjVh dh fLFkfr esa lnL; [kkrk/kkjh }kjk iklcqd lkslk;Vh ds lqiqnZ dj nsus ij of.kZr pkVZ vuqlkj C;kt ds lkFk eSP;ksfjVh dk Hkqxrku fy;s tkus ,oa ifjiDork frfFk ds ckn ifjiDork jkf"k ij dksbZ vfrfjDr C;kt ugha fn;k tk;sxkA fu;e& 5 ¼1½ esa eSP;ksfjVh jkf"k dh ekax djus ij 30 ls 35 fnuksa ds vanj pkVZ vuqlkj Hkqxrku fd;k tk;sxkA 06@ vukosndx.k us la;qDr tokcnkok esa vkxs ys[k fd;k gS fd va'k/kkjh dks va"knku dh jkf"k dk Hkqxrku izkIr djus ds fy;s ifjiDork iw.kZ gksus ij fu/kkZfjr vkosnu QkeZ Hkjdj ewy iklcqd ds lkFk dk;kZy; esa lR;kiu gsrq tek djuk gksrk gSA mlds ckn vkbZ-Mh- izqQ ds lkFk Lo;a dk;kZy; esa mifLFkr gksdj Hkqxrku Ogkmpj ij gLrk{kj dj ,oa Hkqxrku dh vU; vkSipkfjdrk;sa iw.kZ dj Hkqxrku izkIr djuk gksrk gSA eSP;ksfjVh jkf"k ij eSP;ksfjVh frfFk ds ckn C;kt ns; gksus dk dksbZ izko/kku ugha gSA ifjoknh us vuqfpr ekax dks ysdj lkslk;Vh ij nokc Mkyk] muds }kjk fu/kkZfjr QkeZ Hkjdj Hkh tek ugha fd;k vkSj u gh ewy izek.k&i= iklcqd ljs.Mj fd;kA ifjoknh vukosndx.k dks ijs'kku djus ds vk"; ls tku&cw>dj ;g ifjokn is'k fd;k gSA vr% ifjoknh dk ifjokn fujLr fd;s tkus ;ksX; gSA

07@ mijksDr vfHkdFkuksa ds vk/kkj ij fuEu fopkj.kh; iz'u mRiUu gksrs gSa%&

26994800568

08@ voyksduh; gS fd ifjoknh jkepanzk }kjk LFkkuh; "kk[kk izca/kd lgkjk dszfMV dkWijsfVo lkslk;Vh fyfe0 "kk[kk dk;kZy; cSdq.Biqj N0x0 ds ;gka ls ftls fd] muds }kjk dgk x;k fd mudk laLFkku vkj0ch0vkbZ0 ls lapkfyr laLFkku gS rFkk blesa jkf"k fuosf"kr djus ij vkidks cSad ls izpfyr C;kt ls dgha T;knk C;kt izkIr gksxkA ftl ij Hkjkslk djrs gq,] fnukad 30-04-2013 dks [kkrk dzekad & 26994800568 esa 1]000@& ¼,d gtkj :Ik;s½ ekfld dh nj ls 60 ekg ds fy;s dqy 44]000@& ¼pkSokyhl gtkj :Ik;s½ jkf'k tek fd;k gS] fdUrq nLrkost lh&01 vuqlkj 43 ekg gh jkf'k tek gSA blh U;k;ky; ds {ks=kf/kdkj esa ifjoknh ,oa vukosnd dzekad&01 dk dk;kZy;hu irk ,oa dk;Z {ks= gksus ls lquok;h dk {ks=kf/kdkj Hkh blh U;k;ky; dks gksuk dgk x;k gS ,oa oS/kkfud uksfVl Hkh 24-12-2018 dks vukosndx.k dks izsf'kr djk;k gS] ftlds rkfeyh mijkar Hkh ifjoknh dh nkok jde dk Hkqxrku ugha djus ij fnukad 24-02-2020 dks /kkjk 12 miHkksDrk laj{k.k vf/kfu;e 1986 ds rgr~ vuqrks'k fnyk;s tkus ckor~ bl ftyk vk;ksx ds le{k ifjokn is"k fd;k gSA ogha vukosndx.kksa ds tokcnkok esa ;g rks Lohdkj fd;k gS fd mUgksaus ifjoknh ds }kjk lgkjk ,e0 csuhQhV ;kstuk esa vukosnd dzekad&01 ds dk;kZy; esa mDr [kkrk esa 44]000@&¼pkSokyhl gtkj :Ik;s½ tek fd;k gS] ijUrq mudk dguk gS fd vukosndx.kksa ls ifjoknh dksbZ Hkh nkok jkf'k o C;kt ikus dk vf/kdkjh ugha

gSA ifjofknuh dk nkok ljklj fujk/kkj ,oa feF;k dFkuksa ij vk/kkfjr gSA vukosndx.k us lsok esa deh ugha fd;k gS vkSj u gh ifjoknh dks dksbZ {kfr igqapkbZ gS ,oa tokcnkok ds vafrfjDr dFku dafMdk&12 ,oa 13 esa ?kksj fojks/k djrs gq;s dgk gS fd lgkjk dzsfMV dksvkWijsfVo lkslk;Vh ,d iathd̀r lkslk;Vh gS vkSj ifjoknh lkslk;Vh dh lnL; gSA bl izdkj ifjoknh ,oa vukosndx.k ds e/; lnL; ,oa lkslk;Vh dk laca/k gSA vr% lnL; ,oa lkslk;Vh ds e/; ds fdlh Hkh fookn ds fy;s miHkksDrk ifjokn iks'k.kh; ugha gS dgrs gq;s ,sls fookn dks lquus dk {ks=kf/kdkj miHkksDrk vk;ksx dks ugha gS] blfy;s vukosndx.kksa ds fo:) izLrqr ifjokn iks'k.kh; ugha gSA 09@ ogha bl Lrj ij ekuuh; jk'Vªh; miHkksDrk fookn izfrrks'k vk;ksx ubZ fnYyh ds }kjk vkn'kZ uxj izxfr'khy lgdkjh vkokl lfefr fyfe0 fo:) psrjke ,oa vU; esa 01 Qjojh 2018 dks ikfjr vkns'k lh0ih0ts0 221 ¼,u0lh0½ U;k; n`'Vkar voyksduh; gS ,oa ekuuh; jkT; miHkksDrk fookn izfrrks'k vk;ksx jk;iqj }kjk vihy

dks

ikfjr vkns'k Hkh voyksduh; gS] ftlesa ekuuh; jkT; vk;ksx }kjk mDr ekeys esa ifjoknh@vihykFkhZ ifjoknh vkSj vukosndx.k ds e/; dk fookn dks miHkksDrk ,oa lsok iznkrk dk fookn gksuk ekU; fd;k gS vkSj mDr ekeys dks xq.k&nks'kksa ij fujkdj.k gsrq lacaf/kr ftyk vk;ksx dks izdj.k izfrizsf'kr fd;k gSA tgkaW ftyk miHkksDRkk vk;ksx }kjk izLrqr ekeysa dks izLrqr fookn miHkksDrk vkSj lsok iznkrk dk ugha gS] ekurs gq;s mHk; i{kdkj vf/kfu;e 2002 ls focaf/kr gSa] dgrs gq;s fookn iks'k.kh; ugha gS] fu'df'kZr fd;k gSA 10@ ogh bl Lrj ij ekuuh; U;k; n'̀Vkar ds vykok ekuuh;

jk'Vªh; vk;ksx dh yktZj cSap ds vkQrkc flag izfr Emaar MGFLAND Limited ,.M vn'kZ lll (2017) lh0ih0ts0 270 ¼,u0lh0½ rFkk xksYMh pM~Mk eusUnzj flag rFkk vU; lrohj flag] fotsUnz flag rFkk vU; jeu dqekj dkfy;k rFkk vU; izfr I;wek fjyVjl ih-,y- ,.M vn'kZ esa ikfjr vkns'k voyksduh; gS ftlesa ekuuh; U;k;ky; ds }kjk dsoy vuqca/k esa vkchZVs'ku dk DykWt gksus ls miHkksDRkk vk;ksx dks ,sls izdj.k lquokbZ dk {ks=kf/kdkj gksuk ik;k x;kA ,oa ekuuh; U;k; n`'Vkar esa vkchZVas'ku ds DykWt dk mYys[k gS] rc Hkh miHkksDrk vk;ksx ds le{k ifjokn izLrqr djus dk vf/kdkj gS ,oa ekuuh; vkn'kZ uxj izxfr'khy lgdkjh vkokl lfefr okys ekeys esa ekuuh; jk'Vªh; vk;ksx }kjk dksvkWijsfVo lkslk;Vh o mlds lnL;ksa ds chp mRiUu fookn ds laca/k esa vfHkfu/kkZfjr vuqlkj Power of consumer forum- Under cp Act was additional remedy-jurisdiction of consumer for a not barred to entertain such complaints. 11@ mijksDr ekuuh; vkns'kksa esa ftyk miHkksDrk vk;ksx dks lkslk;Vh o muds lnL;ksa ds e/; gksus okys fookn dks fujkd̀r djus dh vf/kdkfjdrk gksuk ekuk x;k gS] ,oa bl Lrj ij ekuuh; mPpre U;k;ky; ubZ fnYyh ds }kjk ;kfpdk dRrkZ lsdzsVjh fr:eq:xu lgdkjh d̀f'k _.k lfefr fo:) yfyrk ¼er̀½ }kjk ofjlku vkns"k voyksduh; gS] ftlesa ekuuh; mPpre U;k;ky; ds }kjk vukosndx.k ds }kjk ftyk vk;ksx ds le{k is'k ifjokn dks iks'k.kh; ekuk gS vkSj mDr ekeys dk lquok;h dk {ks=kf/kdkj Hkh ftyk vk;ksx dks gksuk ekurs gq, Hkh U;k;n'̀Vkar ikfjr fd;k x;k gSA bl izdkj vukosndx.kksa dh vksj ls fjfot fifV"ku ua0 4871@2012 lqJh vatuk vczkgke psEcsFkhy fo:) n eSausftax Mk;jsDVj dVVqdye fdlku lsok dkWijsfVo cSad fyfe0 vkns"k fnukad 02-09-2013 ,oa

ftyk miHkksDrk fookn izfrrks'k.k vk;ksx jk;lsu e0iz0 ds izdj.k dzekad 03@2018 jkeLo:Ik "kekZ fuoklh okMZ ua0 13 v"kksd uxj dkWyksuh rg0 ,oa ftyk jk;lsu e0iz0 fo:) "kk[kk izca/kd lgkjk dzsfMV dkWijsfVo lks0 fyfe0 ftyk jk;lsu e0iz0 o vU; 01 esa fnukad 05-02-19 dks ikfjr vkns"k ,oa ftyk miHkksDrk fo0 izfr0 vk;ksx fHkokuh ds ifjokn dzekad 73@18 lq/kka"kq

"kekZ fuoklh NksVh cktkjh okMZ u0& 15 orZeku 17 pj[kh MMjh ftyk fHkokuh fo:) lgkjk dszfMV dkWijsfVo lkslk;Vh fyfe0 lgkjk bafM;k fHkokuh ,oa vU; 02 esa ikfjr vkns"k fnukad 15-07-19 ,oa ifjokn dzekad& 31@2018 larks'k Hkkolkj fo:) izdk'k ikfVy czkap eSaustj lgkjk bafM;k ifjokj ftyk miHkksDrk Qksje lhgksj }kjk ikfjr vkns'k fnukad 04-04-2019 dh Nk;kizfr is"k fd;k gS] ftlesa ftyk miHkksDrk vk;ksxksa ds vkns'k esa muds ;gkaW izLrqr ifjokn dks ifjoknh ,oa lkslk;Vh ds e/; ds fookn dks miHkksDRkk fookn ugha gS] ekuk gS vkSj miHkksDrk ifjokn dks iks'k.kh; Hkh ugha ekudj izLrqr ifjokn dks fujLr djus ij cy fn;k gSA

12@ bl rjg ifjoknh dk uksfVl feyus mijkar vukosnd i{k

ifjoknh dks nkokd`r jde dk Hkqxrku ugha fd;k] uk gh mlds }kjk ewy nLrkost ,oa vkosnu dks Lohdkj fd;k gS] tcfd lgkjk ,e0 csuhQhV ;kstuk ds rgr~ ifjoknh }kjk vukosnd dzekad&01 ds dk;kZy; esa fnukad 30-04-2013 dks dqy 44]000@&¼pkSokyhl gtkj :Ik;s½ tek fd;k Fkk] ftls vukosndx.kksa us vius tokcnkok dh dafMdk&05 esa Lohdkj fd;k gS vkSj dgk gS fd mDr of.kZr ;kstuk esa Hkqxrku frfFk rd fu;ekuqlkj v|ru C;kt iznku fd;k tkrk gS] ds vk/kkj ij 44]000@&¼pkSokyhl gtkj :Ik;s½ jkf'k vukosnd dzekad&01 ds ;gkaW tek fd;k tkuk ge izekf.kr ikrs gSaA ftl vk/kkj ij ifjoknh ,oa vukosndx.k miHkksDrk ,oa lsok iznkrk dh Js.kh

esa gS] Hkh ge ikrs gSaA ifjoknh ds }kjk vukosnd i{k dks izdj.k ls lacaf/kr oS/kkfud uksfVl 24-12-2018 dks vius vfHkHkk'kd ds ek/;e ls tkjh djk;k] tks nLrkost lh&03] lh&04 ,oa 05 gSA izdj.k pyus ds njE;ku izdj.k dks vkchZVsa'ku eap ij fujkdj.k ds fy;s igy dh xbZ gks] ,slk dksbZ lk{; ugha gSA izFke ckj ifjoknh vuqrks'k ikus ds fy;s bl ftyk vk;ksx ds le{k fnukad 24-02-2020 dks vk;k gS vkSj ifjokn is'k fd;k gSA ifjoknh ds }kjk dfFkr jkf'k lgkjk ,e0 csuhQhV ;kstuk esa vukosnd ds ;gkaW tek fd;k gS] tks ;g n'kkZrk gS fd ifjoknh ,oa vukosndx.k ds e/; miHkksDRkk o lsok iznkrk dk laca/k gS]

ogha vukosndx.k dh vksj ls is'k ekuuh; U;k; n'̀Vkar ds rF; vkSj vukosndx.kksa ds izdj.k ds rF; leku ugha gksus ls mUgsa mijksDr U;k; n`'Vkar ls dksbZ lgk;rk ugha feyrh gSA bl rjg ifjoknh ,oa vukosnd dzekad&01 tks ftyk miHkksDrk vk;ksx dksfj;k ds LFkkuh; {ks=kf/kdkj esa jgrs gSa] viuk dkjksckj dj jgs gSa ,oa ifjoknh ds }kjk pkgs x;s vuqrks'k jkf'k dks ns[krs gq;s Hkh tgkaW ifjokn dh iks'k.kh;rk ds laca/k esa fopkj fd;k tkos rks mDr Ldhe ds varxZr i{kdkjksa ds e/; fookn gksus dh fLFkfr esa mldk fujkdj.k vkchZVsa'ku ,.M dUlhfy;slu ,DV 1996 ds rgr~ vkchZVªsVj }kjk djk;s tkus dk vuqca/k gksus ds ckotwn ifjoknh dks miHkksDrk laj{k.k

vf/kfu;e ds varxZr vfrfjDr mipkj miyC/k gSa] vr% izLrqr ifjoknh dk ifjokn iks'k.kh; Hkh ekuk tkrk gS vkSj vukosndx.kksa dh vkifRr fujLr dh tkrh gSA vr% fopkj.kh; iz"u dzekad 01 dk fu'd'kZ th **ugha** ds :Ik esa fn;k tkrk gSA

13@ ifjoknh ds }kjk lgkjk ,e0

csuhQhV ;kstuk ds varxZr 30-04-2013 dks [kkrk dzekad & 26994800568 esa 1]000@& ¼,d gtkj :Ik;s½ ekfld dh nj ls 60 ekg ds fy;s dqy 44]000@& ¼pokyhl gtkj :Ik;s½ jkf'k tek djuk crk;k gS] tc fd nLrkost izn'kZ lh&01 vuqlkj dqy 44]000@& ¼pkSokyhl gtkj :Ik;s½ tek djuk mYysf[kr gS] ftls vukosndx.kksa us Lohdkj fd;k gSA vukosndx.k us vius tokcnkok dss dafMdk&06 esa ;g mYys[k fd;k gS fd ifjoknh dks vukosnd dzekad&01 ds dk;kZy; esa psd dzekad&227506 ,oa 234998] fnukad 15-10-2020 ,oa 03-09-2021 dks dze'k% 20]000@& ¼chl gtkj :Ik;s½] 30]000@& ¼rhl gtkj :Ik;s½ bl izdkj dqy 50]000@& ¼ipkl gtkj :Ik;s½ e; C;kt ds Hkqxrku dj fn;k x;k gSA dqy 27094@& ¼lrkbZl gtkj pkSjkUcs :Ik;s½ 'ks'k gS] tks fd ifjoknh dk vfu;fer [kkrk gksus ds dkj.k Hkqxrku ugha gks ldk gS] ijUrq bl ckor~ dksbZ nLrkost is'k ugha fd;k gSA vr% LIk'V gS fd ifjoknh us vafre :Ik ls foMªky QkeZ ds tfj;s vukosnd dzekad&01 ds dk;kZy; esa tkdj Hkqxrku gsrq vkosnu is'k fd;k] tks izn'kZ lh& 02 ds nLrkost ls LIk'V gS] ijUrq vukosndx.kksa dh vksj ls ifjoknh ds vkosnu dks Lohdkj dj u rks dqy tek jkf'k 44]000@& ¼pkSokyhl gtkj :Ik;s½ Hkqxrku fd;k gS vkSj u gh ml ij C;kt jkf'k dk Hkqxrku fd;k gSA tcfd fd tokcnkok dh dafMdk&05 esa dqy 44]000@& ¼pkSokyhl gtkj :Ik;s½ ij C;kt Hkh nsuk gS] mUgksaus Lohdkj fd;k gSA bl izdkj vukosndx.kksa }kjk ifjoknh ds }kjk izn'kZ lh&02 dk foMªky QkeZ ij dksbZ dk;Zokgh ugha dh xbZ gS vkSj u gh dksbZ Hkh jkf'k dk Hkqxrku fd;k x;k gS vkSj

,slk dj fu'fpr gh ge ikrs gSa fd vukosndx.kksa ds }kjk ifjoknh ds fy;s lsok esa deh fd;k gSA ,sls esa ifjoknh fuf'fpr gh fofHkUu tek fnukadksa esa tek jkf'k 44]000@& ¼pkSokyhl gtkj :Ik;s½ ij tek fnukad 30-04-2013 ij ls vafre Hkqxrku frfFk rd 07 izfr'kr okf'kZd C;kt dh nj ls C;kt ikus dk vf/kdkjh gS vkSj ewy jkf'k 44]000@& ¼pkSokyhl gtkj :Ik;s½ Hkh vukosndx.kksa ls ikus dk vf/kdkjh gSA vr% bl fopkj.kh; iz'u dk fu'd'kZ th ** gkaW ** esa fn;k tkrk gSA vr% bl fopkj.kh; iz'u dk fu'd'kZ th ** gkaW ** esa fn;k tkrk gSA 14@

ifjoknh ds }kjk vuqrks'k dh ;kpuk djrs gq;s

vius ifjokn i= ds dafMdk&07 ¼x½ esa ekufld {kfr gsrq 15]000@& ¼iUnzg gtkj :Ik;s½ ,oa ifjokn O;; 5]000@& ¼ikap gtkj :Ik;s½ rFkk vuqrks'k fnyk;s tkus dk fuosnu fd;k gSA okLro esa ns[kk tk;s rks ifjoknh ds ifjiDork jkf'k dk Hkqxrku ugha dj vukosndx.k us lsok esa deh fd;k gS] ftlls ifjoknh dks ekufld ,oa vkfFkZd {kfr gqbZ gSA rc ml jkf'k dks ikus ds fy;s ifjoknh dks U;k;ky; dh 'kj.k esa vkuk iM+k] ifjokn ykuk iM+k vkSj fu'fpr gh ifjoknh dks ekufld d'V dk lkeuk djuk iM+k gS vkSj lgh le; ij mls jkf'k dh izkfIr ugha gksus ij mls vkfFkZd uqdlku Hkh gqvk gSA ,sls esa ge ekufld ,oa vkfFkZd d {kfr ds en esa ifjoknh dks vukosndx.kksa ls 5]000@& ¼ikap gtkj :Ik;s½ ,oa ifjokn O;; ds :Ik esa 2]000@& ¼nks gtkj :Ik;s½ fnyokrs gSaA vukosndx.k viuk&viuk okn O;; Lo;a ogu djsaxsA bl izdkj ifjoknh viuk ifjokn vukosndx.k ds fo:) C;kt nj dks NksM+dj vkaf'kd :Ik ls izekf.kr djus esa lQy jgk gSA vr% ifjoknh dk ifjokn vkf'kad :Ik ls Lohdkj dj fuEuk"k; dk vkns"k ikfjr fd;k tkrk gS%&

1& vukosndx.k ifjoknh ds lgjk ,e0 csuhQhV ;kstuk ds rgr~ fnukad 30-04-2013 esa [kksys x;s [kkrk dzekad&26994800568 esa fofHkUu

tek fnukad dks tek jkf'k 44]000@& ¼pkSokyhl gtkj :Ik;s½ ij tek fnukad 30-04-2013 ij vafre Hkqxrku frfFk rd 07 izfr'kr okf'kZd C;kt dh nj ls C;kt vnk djsaxsA vukosndx.k vkns'k fnukad ls 02 ekg ds Hkhrj bl ftyk vk;ksx ds le{k ifjoknh dks Hkqxrku djus ds fy;s mijksDr jkf'k tek djsaxs] rks ifjoknh dks mDr jkf'k ,dkmaV is;h psd ds ek/;e ls Hkqxrku dh tkosxhA vU;Fkk foyac dh n'kk esa 09 izfr'kr okf'kZd dh nj ls C;kt ns; gksxkA

2& vukosndx.k ifjoknh dks ekufld ,oa vkfFkZd {kfr ds en esa 5]000@& ¼ikap gtkj :Ik;s½ ,oa ifjokn O;; ds en esa 2]000@& ¼nks gtkj :i;s½ vnk djsxs ,oa vukosndx.k viuk&viuk okn O;; Lo;a ogu djsaxsA

rnkuqlkj vkns'k ikfjr fd;k x;kA

¼Jh jktsUnz iz/kku½ ¼Jh pwjkeu nkl½

v/;{k lnL;

ftyk miHkksDrk fookn izfr0 ftyk miHkksDrk fookn izfr0 vk;ksx] cSdq.Biqj] ftyk& dksfj;k] vk;ksx] cSdq.Biqj] ftyk&dksfj;k] N0x0A N0x0A

SHRI. RAM CHANDRA VISHWAKARMA v. BRANCH MANAGER SAHARA CREDIT COOPERATIVE SOCIETY LTD AND OTHER

Structured Summary of the Provided Legal Opinion

Factual and Procedural Background

Legal Issues Presented

Arguments of the Parties

Complainant's (ifjoknh) Arguments

Opposite Party's (vukosndx.k) Arguments

Table of Precedents Cited

Court's Reasoning and Analysis

Holding and Implications

SHRI. RAM CHANDRA VISHWAKARMA v. BRANCH MANAGER SAHARA CREDIT COOPERATIVE SOCIETY LTD AND OTHER

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