Tamil Nadu

Ariyalur

CC/03/2019

R.Ramalingam - Complainant(s)

Versus

Indian Overseas Bank, - Opp.Party(s)

25 Apr 2019

ORDER

tHf;F jhf;fy; bra;j ehs;& 21.02.2019.

cj;jut[ gpwg;gpj;j ehs;& 25.04.2019.

 

khtl;l Efh;nthh; FiwjPh; kd;wk;> mhpaY}h;.

jpU. e. jh;kd;> gp.v. gp.vy;.>                                                          - jiyth;.

jpUkjp. vk;. b$abyl;Rkp.> gp.v];.rp.> vk;.V.> gp.vl;.>          - cWg;gpdh; 1

jpU. vk;.vr;. n\f; mg;Jy; fhjh;.> gp.fhk;.> gp.$p.o.rp.vy;.gp.>        -cWg;gpdh; 2.

Efh;nthh; tHf;F vz;& 03/2019

(2019 k; Mz;L Vg;uy; khjk; 25Mk; ehs; tpahHf;fpHik)

uhkypq;fk;>

j/bg. uhkRe;juk;>

khhpak;kd; nfhtpy; bjU>

fah;yhghj; fpuhkk;>

mhpaY}h; tl;lk;>

mhpaY}h; khtl;lk;.                                                                   ...KiwaPl;lhsh;.

-vjph;-

fpis nkyhsh;>

,e;jpad; Xth;rP]; tq;fp>

mhpaY}h;.                                                                               ...vjph;jug;gpdh;;.

 

          ,t;tHf;F ,Wjp tprhuizf;fhf ,k;kd;wk; Kd;ghf 11-04-2019 md;W bfhz;L tug;gl;L> KiwaPl;lhsh; jug;gpy;  A.J.jkpH; KUfd; mth;fs; M$uhfpa[k;> kw;Wk; vjph;jug;gpdh; jug;gpy; ahUk; M$uhfjjhy;> nkw;go vjph;jug;gpdh; ,t;tHf;fpy; xUjiyg;gl;rkhfj; (Exparte) jPh;khdpf;fg;gl;Lk;> KiwaPl;lhsh; jug;g[ Mtzq;fisg; ghPrPyid bra;Jk; kw;Wk; nkw;go KiwaPl;lhsh; jug;g[ thJiuiaf; nfl;Lk;> ,Jehs; tiu ,k;kd;wj;jpd; ghprPyidapy; ,Ue;Jk; te;j ,t;tHf;fpy;> ,d;W ,k;kd;wk; tHq;Fk;>

 

 

cj;jut[

2) KiwaPl;lhsh; jug;gpy; jhf;fy; bra;Js;s KiwaPl;od; RUf;fk;&-

          g[fhh;jhuh; mhpaY}h; muR rpbkz;l Miyapy; LAB Senior Testing Boy vd;w epue;ju gzp bra;J 31.12.2003 md;W Xa;t[ bgw;wth; Mthh;. g[fhh;jhuUf;F khjk; xd;Wf;F U:.1>007/- kl;Lnk Xa;t{jpakhf fpilf;fpwJ. ntW tUkhdk; ,y;iy. fle;j 15 Mz;Lfshf nkw;go vjph;jug;gpdh; tq;fpapy; g[fhh;jhuUf;F cs;s tq;fp fzf;F vz;.14321000002905 K:yk; nkw;go Xa;t{jpaj; bjhif fpilj;J tUfpwJ. ,e;epiyapy;> vjph;jug;gpdh; tq;fp> fle;j 2018 brg;lk;gh; khjk; Kjy; vjph;jug;gpdh; tq;fpapy; cs;s g[fhh;jhuh; fzf;fpy; Lock- bra;Js;sjhf Twpa[s;shh;fs;. vjph;jug;gpdh; tq;fp vt;tpj fhuzKk; ,d;wp g[fhh;jhuh; fzf;if Lock-bra;Js;sJ rl;l tpnuhjkhdjhFk;.  nkw;go Lock-bra;Js;sJ rk;ke;jkhf g[fhh;jhuUf;F> vjph;jug;gpdh; tq;fp vt;tpj mwptpg;g[k; bfhLf;ftpy;iy. g[fhh;jhuh; tnahjpf nehapdhy; ghjpf;fg;gl;Ls;shh;. g[fhh;jhuUf;F Xa;t{jpa gzj;ij jtpu ntW tUkhdk; ,y;iy. g[fhh;jhuUk;> mth; kidtpa[k; ,e;j Xa;t{jpaj;ij ek;gp gpiHg;g[ elj;jpf; bfhz;oUe;jhh;fs;. g[fhh;jhuUk;> mtUila kidtpa[k; vt;tpj tUkhdKk; ,y;yhky; filrp fhyj;jpy; rhg;ghl;Lf;nf tHpapy;yhky; kpft[k; f\;lg;gLfpd;whh;fs;.  vjph;jug;gpdh; tq;fpapd; rl;ltpnuhj brayhy; g[fhh;jhuh; tnahjpf neha;f;fhd kUj;Jt rpfpr;ira[k; vLf;f Koatpy;iy. vjph;jug;gpdh;> g[fhh;jhuUf;F fpilf;f ntz;oa Xa;t{jpaj;ij bfhLf;fhky; kWf;f vjph;jug;gpdh; tq;fpf;F rl;lg;go chpik ,y;iy. vjph;jug;gpdh; tq;fpapd; bray; rl;l tpnuhjkhdJ kw;Wk; kdpj neakw;w bray; MFk;. vjph;jug;gpdh;> g[fhh;jhuhpd; Xa;t{jpaj;ij epWj;j nghtjhf vt;tpj Kd;dwptpg;g[k; bfhLf;ftpy;iy. vjph;jug;gpdh; tq;fpapd; eltof;ifahy; g[fhh;jhuh; kpFe;j kd cisr;rYf;F cs;shfp fLikahd kdf\;lj;jpw;F mile;Js;shh;. vjph;jug;gpdh; tq;fpapd; bray;ghL nritf; FiwghlhFk;. g[fhh;jhuh;> vjph;jug;gpdh; tq;fpf;F fle;j 23.1.2019k; njjp tHf;fwpQh; mwptpg;g[ bfhLj;j gpwFk;> vjph;jug;gpdh; tq;fp vt;tpj gjpywptpg;g[k; bfhLf;fhky; nkhroahf Xa;t{jpak; epWj;jp itj;Js;s brg;lk;gh; 2018 Kjy; ,uz;L Mz;LfSf;Fs; ,k;kD jhf;fy; bra;ag;gl;Ls;sjhy; ,g;g[fhh; fhyhtjp njh\j;jhy; ghjpf;fg;gltpy;iy. vdnt> g[fhh;jhuh; ,e;j g[fhiu jhf;fy; bra;Js;shh;. g[fhh;jhuUf;F nru ntz;oa brg;lk;gh; 2018 Kjy; ehsJ njjptiu cs;s Xa;t{jpa bjhifapid 18% tl;oa[ld; vjph;jug;gpdh; tq;fp ju cj;jutpLk; goa[k;> vjph;jug;gpdh; tq;fpapd; rl;l tpnuhj brayhy; g[fhh;jhuUf;F Vw;gl;l ,Hg;g[> kd cisr;ry; U:.1>00>000/- e\;l <L tHq;f cj;jputpLk; goa[k;;> g[fhh;jhuUf;F ,k;kDtpw;F bryt[j; bjhifahf U:.10>000/- tHq;f cj;jutpLk; goa[k; ntz;o gpuhj;jpf;fpwhh;.

3) ,k;kDtpd; jPh;t[f;Fhpa gpur;rpid ahbjdpy;&-

1. vjph;kDjhuuhy;> kDjhuUf;F nrit tHq;Ftjpy; FiwghL Vw;gl;Ls;sjh?
2. kDjhuUf;F> vjph;kDjhuh;fs; ,Hg;gPL tHq;ff; flikg;gl;Ls;sduh?
3.  kDjhuUf;F fpilf;f ntz;oa ,ju epthuzk; vd;d?

4) gpur;rpid 1 kw;Wk; 2&-

          g[fhh;jhuuhy; ,k;kD> 1986k; tUlj;jpa Efh;nthh; ghJfhg;g[r; rl;lk;> gphpt[ 12d; fPH; jhf;fy; bra;ag;gl;L nkw;go g[fhh;jhuUf;F brg;lk;gh; 2018 Kjy; ehsJ njjp tiu fpilf;f ntz;oa Xa;t{jpaj; bjhifapid 18% tl;oa[ld;> vjph;jug;gpdh; tq;fp> g[fhh;jhuUf;F brYj;j cj;jutplf; nfhhpa[s;shh;.   

5) nkw;go g[fhh;jhuuhy; jhf;fy; bra;ag;gl;l ,k;kD Fwpj;J tpsf;fk; mspf;ff; nfhhp> ,e;j Efh;nthh; kd;wj;jpypUe;J vjph;kDjhuUf;F miHg;ghiz mDg;gg;gl;ld. nkw;go miHg;ghizapid vjph;kDjhuh; bgw;Wf; bfhz;L neuoahfnth my;yJ jkJ tHf;fwpQh; K:ykhfnth ,e;j Efh;nthh; kd;wj;jpy; nkw;go vjph;kDjhuh; M$uhfj; jtwpajhy; nkw;go vjph;kDjhuh; xUjiy gl;rkhf jPh;khdpf;fg;gl;Ls;shh;.

          6) nkw;go vjph;kDjhuh; xUjiy gl;rkhf jPh;khdpf;fg;gl;l epiyapy;> jFjpfhz; mog;gilapy; cj;jut[ gpwg;gpf;f ntz;o> ,k;kD Fwpj;J tprhuiz nkw;bfhs;sg;gl;ld. mjd; mog;gilapy;> g[fhh;jhuh; jk;ik k.rh.M.1 Mf tprhhpj;Jf; bfhz;L> jkJ jug;gpy; k.rh.M.1 Kjy; 4 tiu cs;s Mtzq;fis jhf;fy; bra;Js;shh;.

         

7) nkw;go g[fhh;jhuh; jhk; jhf;fy;; bra;Js;s bka;g;gpg;g[ cWjpbkhHp Mtzj;jpy; fPH;f;fz;lthW bjhptpj;Js;shh;.

          nkw;go g[fhh;jhuUf;F> nrit tHq;Ftjpy;> vjph;kDjhuh; Fiwghl;Lj; jd;ika[ld; ele;J bfhz;Ls;shh;. nkw;go vjph;kDjhuh;> mhpaY}h; muR rpbkz;l; Miyapy; epue;jukhf vjph;kDjhuuhy; ifahsg;gl;L tUk; g[fhh;jhuhpd; tq;fp fzf;fpy; Xa;t{jpak; brYj;jg;gl;L te;Js;shh;. nkw;go Xa;t{jpaj;jpid fle;j brg;lk;gh; khjk; 2018 Kjy; ,d;iwa njjp tiuapYk; vjph;kDjhuh; kDjhuUf;F brYj;jhky; miyf;fHpj;J te;Js;shh;. mjd; fhuzkhf g[fhh;jhuUf;F kd cisr;rYk; Vw;gl;Ls;sd vd;gJk; kWf;f Koahj epfH;t[ MFk;. nkw;fz;l rq;fjpapida[k; g[wk; js;sp tpl ,ayhJ.  nkYk; g[fhh;jhuUf;F> Xa;t{jpak; tHq;Ftjpy; nritf; FiwghL ,Ug;gjpid g[fhh;jhuh; Rl;of; fhl;o> vjph;kDjhuUf;F> k.rh.M.2d; go tHf;fwpQh; mwptpg;g[k; mDg;gpa[s;shh;. nkw;fz;l tHf;fwpQh; mwptpg;gpid vjph;kDjhuh; bgw;Wf; bfhz;L mjw;F rhpahd tpsf;fk; mspf;fhky; nkw;go vjph;jug;gpdh; tq;fp ,Ue;J te;Js;sd. nkw;fz;l bray; Vw;g[ilajy;y. vdnt kDjhuuhy; jhf;fy; bra;ag;gl;l g[fhh; kDtpy; fz;Ls;s rq;fjpapida[k; nkw;go kDjhuuhy; jhf;fy; bra;ag;gl;l bka;g;gpg;g[ cWjp bkhHp Mtzj;ija[k; kw;Wk; k.rh.M.1 Kjy; k.rh.M.4 tiu cs;s Mtzq;fisa[k; ghprPyid bra;J kDtpid mDkjpf;f ntz;Lk;.

8) g[fhh;jhuhpd; Miza[Wjp Mtzk; kw;Wk; k.rh.M.1 Kjy; k.rh.M.4 tiua[s;s Mtzq;fis ftdKld; ghprPyid bra;jjpy; g[fhh;jhuUf;F Xa;t{jpak; tHq;Ftjpy; vjph;kDjhuh; epWtdk; nritf; Fiwghl;Lj; jd;ika[ld; ele;J bfhz;Ls;sdh; vd;gJk; g[ydhfpd;wJ. nkYk; mjd; fhuzkhf kDjhuUf;F kd cisr;rYk; Vw;gl;Ls;sd. vdnt vjph;kDjhuh; ,Hg;gPL tHq;ft[k; flikg;gl;Ls;shh; vd ,e;j Efh;nthh; kd;wk; jPh;khdpf;fpd;wJ. vdnt>nkw;fz;l jPh;khdq;fspd; mog;gilapy; mog;gilapy; gpur;rpid 1 kw;Wk; 2 g[fhh;jhuUf;F Mjuthf jPh;khdpf;fpd;wJ.

9) gpur;rpid 3&-

          g[fhh;jhuh; mhpaY}h; muR rpbkz;l; Miyapy; LAB Senior Testing Boy vd;w gzpapy; epue;jukhf gzp bra;J 31.12.2003 md;W Xa;t[ bgw;Ws;shh;. nkw;go g[fhh;jhuUf;F khjk; U:.1>007/- Xa;t{jpak; eph;zapf;fg;gl;L nkw;go epWtdj;jhy; mit mDkjpf;fg;gl;Lk; g[fhh;jhuhpd; tq;fp fzf;fpy; brYj;jg;gl;L te;Js;sd. nkw;go g[fhh;jhuhpd; tq;fp fzf;F vjph;kDjhuhpd; tq;fpapy; ifahsg;gl;L tUfpd;wd. mt;thW g[fhh;jhuUf;F tHq;f ntz;oa Xa;t{jpa bjhifapid fle;j brg;lk;gh; 2018 Kjy; ,d;iwa njjp tiuapYk; nkw;go  vjph;kDjhuh; epWtdk;> g[fhh;jhuUf;F tHq;fhjJ rl;lg;go Vw;g[ilajy;y. vdnt> vjph;kDjhuh; epWtdk; g[fhh;jhuUf;F brg;lk;gh; 2018 Kjy; ,d;iwa njjp tiuapYk; tHq;fg;gl ntz;oa Xa;t{jpaj;jpid nkw;go g[fhh;jhuUf;F  18% tl;oa[ld; brYj;j ntz;Lk; vd ,e;ePjpkd;wk; jPh;khdpf;fpd;wJ. nkYk; g[fhh;jhuUf;F Xa;t{jpak; tHq;Ftjpy; nkw;go g[fhh;jhuh; vjph;kDjhuuhy; miyfHpg;g[ bra;ag;gl;Ls;sjhy; nkw;go vjph;kDjhuh; epWtdk;  nrit tHq;Ftjpy; nritf;Fiwghl;Lj; jd;ika[ld; ele;J bfhz;Ls;s rq;fjpa[k; epU:gzk; bra;ag;gl;Ls;sd. nkYk; nkw;go vjph;kDjhuhpd; bray; fhuzkhf g[fhh;jhuh; kpFe;j kd cisr;rYf;Fk; Mshfp cs;shh;. vdnt> g[fhh;jhuUf;F Vw;gl;l nritf; FiwghL kw;Wk; kd cisr;ry; Mfpatw;Wf;F ,Hg;gPlhf vjph;kDjhuh; epWtdk; g[fhh;jhuUf;F U:.10>000/-I brYj;j ntz;Lbkd;Wk; kw;Wk; tHf;F bryt[j; bjhifahf U:.5>000/-k; brYj;j ntz;Lbkd;Wk; ,k;kd;wk; jPh;khdpf;fg;gLfpd;wJ.  Mf bkhj;jk; g[fhh;jhuUf;F vjph;kDjhuhplkpUe;J Xa;t{jpak; kw;Wk; ,Hg;gPL kw;Wk; bryt[j; bjhif Mfpa midj;Jk; fpilf;fj; jf;fJ vd jPh;khdpj;J; ,k;kD mDkjpf;fg;gl;L cj;jutplg;gLfpd;wJ.

 

           10) Kotpy;> ,g;g[fhh; kD gFjpahf mDkjpf;fg;gLfpd;wJ. ,Wjpahf g[fhh;jhuUf;F brg;lk;gh; 2018 Kjy; ,d;iwa njjp tiuapYk; tHq;fg;glhky; cs;s Xa;t{jpaj; bjhif U:.8>056/-k; (U:gha; vl;lhapuj;J Ik;gj;J MW kl;Lk;) kw;Wk; ,Hg;gPlhf U:.10>000/-Kk; (U:gha; gj;jhapuk; kl;Lk;) kw;Wk; tHf;F bryt[j; bjhiahf U:.5>000/-Kk; (U:gha; Ie;jhapuk; kl;Lk;) g[fhh;jhuUf;F vjph;kDjhuhplkpUe;J fpilf;fj;jf;fJ vd;Wk;> nkw;go bjhifapid vjph;kDjhuh;> g[fhh;jhuUf;F ,e;j cj;jut[ fpilf;fg; bgw;w 2 khj fhyj;jpw;Fs; 18% tl;oa[ld; brYj;j ntz;Lbkd;Wk;> mt;thW vjph;kDjhuh; brYj;jj; jtWk; gl;rj;jpy;> 1986k; tUlj;jpa Efh;nthh; ghJfhg;g[r; rl;lk; gphpt[ 25 kw;Wk; 26d; fPH;> g[fhh;jhuh; vjph;kDjhuUf;F vjpuhf eltof;if nkw;bfhs;syhk; vd;Wk; ,jd;K:yk; cj;jutplg;gLfpwJ.

11) ,t;t[j;jut[ vd;dhy; RUf;bfGj;jUf;F Tw> mtuhy; RUf;bfGj;jpy; vGjg;gl;L> fzpdpapy; jl;lr;R bra;ag;gl;lij jiytuhy; jpUj;jk; bra;ag;gl;L> vq;fshy; ,d;W 2019 Mk; Mz;L Vg;uy; khjk; 25k; ehs; jpwe;j ,k;kd;wj;jpy; gfug;gLfpd;wJ.

 

-xg;gk;-                                       -xg;gk;-                                 -xg;gk;-

cWg;gpdh; 1                                       cWg;gpdh; 2                                 jiyth;

12) KiwaPl;lhsh; jug;g[ rhl;rpak;&-

uhkypq;fk; (KiwaPl;lhsh;)

13) KiwaPl;lhsh; jug;gpy; jhf;fy; bra;ag;gl;Ls;s Mtzq;fs;&-

k.rh.M.1.  Xa;t{jpak; vjph;jug;gpdh; tq;fp K:yk; bfhLf;fg;gLtjw;fhd cj;jut[ efy;.

k.rh.M.2. 23.1.2019 k; njjpapl;l tHf;fwpQh; mwptpg;g[ - mry;.

k.rh.M.3.  tHf;fwpQh; mwptpg;ig bgw;Wf; bfhz;ljw;fhd xg;g[jy; ml;il.

k.rh.M.4.  KiwaPl;lhsh; bfhLj;j g[fhUf;F tq;fp Mk;g[l;];nkd; nghl;l cj;jut[ efy;.

14) vjph;kDjhuh;fs; jug;g[ rhl;rpak;&-

                             -VJkpy;iy-

15) vjph;kDjhuh;fs; jug;gpy; jhf;fy; rhd;whtzq;fs;&-

                     -VJkpy;iy-

-xg;gk;-                                       -xg;gk;-                                 -xg;gk;-

cWg;gpdh; 1                                       cWg;gpdh; 2                                 jiyth;