Maharashtra

Ahmednagar

CC/10/235

Sunil Ram Kolapkar, Karale Chal , Ward No. 7, Belapur Rd. Shrirampur, Ahmednagar. - Complainant(s)

Versus

Mahindra & Mahindra Financial Services Ltd; Nashik - Opp.Party(s)

Adv.Pardeshi.

22 Jun 2010

ORDER


District Consumer ForumParag Building, Opp To Collector Office, District Ahmednagar. Maharashtra
CONSUMER CASE NO. 10 of 235
1. Sunil Ram Kolapkar, Karale Chal , Ward No. 7, Belapur Rd. Shrirampur, Ahmednagar.Ward. no. 7, Belapur Rd. ShrirampurAhmednagar ...........Appellant(s)

Vs.
1. Mahindra & Mahindra Financial Services Ltd; NashikMumbai Naka, NashikNashik ...........Respondent(s)


For the Appellant :Adv.Pardeshi., Advocate for
For the Respondent :Meher, Advocate

Dated : 22 Jun 2010
ORDER

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ãä•ãÊÖã ØãÆãև㊠¦ã‰ãŠãÀ ãä¶ãÌããÀ¥ã ¶¾ãã¾ã½ãâÞã,‚ãֽ㪶ãØãÀ.                                  

 

          ½ãã.‚㣾ãàã  : Ñããè.Ôãì£ãã‡ãŠÀ.‡ãñŠ.ãäºã¶ãÌã¡ñ.      

                                                ½ãã.ÔãªÔ¾ãã  : ‚ãù¡.Ôããõ.½ããä¶ãÓãã ‡ãõŠËãÔã Œã¡ã½ã‡ãŠÀ.

                                               ----------------------------------------------

                                                   Ôããè.¹ããè.†.¦ã‰ãŠãÀ ‰ãŠ½ããâ‡ãŠ    :   235/2010.

                                               ¦ã‰ãŠãÀ ªãŒãË  ã䪶ããâ‡ãŠ      :   13/04/2010.

                                               ¦ã‰ãŠãÀ ãä¶ã‡ãŠãËãè ã䪶ããâ‡ãŠ     :   22/06/2010.

                                              -----------------------------------------------

 

Ôãìãä¶ãË Àã½ã ‡ãŠãñß¹ã‡ãŠÀ.                            ----- ¦ã‰ãŠãÀªãÀ.

Àã.‡ãŠÀãßñ Þããß,Ìããù.¶ãâ.7,

ºãñËã¹ãîÀ Àãñ¡,ÑããèÀã½ã¹ãîÀ,

¦ãã.ÑããèÀã½ã¹ãîÀ,ãä•ã.‚ãֽ㪶ãØãÀ.

          ãäÌãÁ£ª

 

[1]½ããäÖâ³ã ‚ãù¥¡ ½ããäÖâ³ã ¹ãŠã¾ã¶ãã¶Ôããè¾ãË       ----- Ôãã½ã¶ãñÌããËñ.

ÔãÌÖãêÔãñÔã ãäË.

¦ã¹ãóŠ Ìã ‡ãŠãäÀ¦ãã ̾ãÌãÔ©ãã¹ã‡ãŠ/‚ããù©ããñÀãƒÃ•¡ ãäÔãضãñ›Àãè,

†Ôã-7 ¦ãñ 11,ªìÔãÀã ½ã•ãËã,Ôãì¾ããñãä•ã¦ã ãäÔã›ãè Ôãò›À,

½ãÖã½ããØãà ºãÔã Ô›ù¥¡ Ôã½ããñÀ,Îã¦ã㺪ãè ÖãùÔ¹ããè›Ë •ãÌãß,

½ãìâºãƒÃ ¶ãã‡ãŠã,¶ãããäÔã‡ãŠ-4.

[2]½ããäÖâ³ã ‚ãù¥¡ ½ããäÖâ³ã ¹ãŠã¾ã¶ãã¶Ôããè¾ãË

ÔãÌÖãêÔãñÔã ãäË.

¦ã¹ãóŠ Ìã ‡ãŠãäÀ¦ãã ̾ãÌãÔ©ãã¹ã‡ãŠ/‚ããù©ããñÀãƒÃ•¡ ãäÔãضãñ›Àãè,

‡ãŠãâºãßñ ‡ãŠãù½¹Ëñ‡ã‹Ôã,Öãù›ñË „ª¾ã ¹ãùËñÔã•ãÌãß,

¶ãñÌããÔããÀãñ¡,ÑããèÀã½ã¹ãîÀ,ãä•ã.‚ãֽ㪶ãØãÀ.

 

„¹ããäÔ©ã¦ããè

[¦ã‰ãŠãÀªãÀ ¾ããâÞãñ Ìã‡ãŠãèË : Ñããè.¹ãÀªñÎããè.]

[Ôãã½ã¶ãñÌããËñ ¾ããâÞãñ Ìã‡ãŠãèË : Ñããè.½ãñÖñÀ.]

................................................................................................

ãä¶ã‡ãŠã˹ã¨ã

{ ´ãÀã : ½ãã.‚㣾ãàã,Ñããè.Ôãì£ãã‡ãŠÀ.‡ãñŠ.ãäºã¶ãÌã¡ñ.}

......................................................................................

[1]              ¦ã‰ãŠãÀªãÀãâ¶ããè ¹ãÆÔ¦ãì¦ãÞããè ¦ã‰ãŠãÀ ¦¾ããâÞ¾ãã ½ããˇãŠãèÞãñ ½ããÁ¦ããè ‚ããñ½ã¶ããè †Ë¹ããè•ããè ÌÖù¶ã ¶ããòª¥ããè ‰ãŠ½ããâ‡ãŠ †½ã.†Þã.17 ›ãè 6143 Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ºãñ‡ãŠã¾ãªñÎããèÀ ãäÀ¦¾ãã ‚ããñ¤î¶ã ¶ãñËñ ¦¾ãã ÌããÖ¶ããÞãã ¦ããºãã ãä½ãߥ¾ããÔããŸãè ¦ãÔãñÞã ¶ãì‡ãŠÔãã¶ã ¼ãÀ¹ããƒÃ ãä½ãߥ¾ããÔããŸãè ªãŒãË ‡ãñŠËãè ‚ããÖñ.  ¦¾ããâÞãñ ½Ö¥ã¥ãñ ©ããñ¡‡ã‹¾ãã¦ã ŒããËãèË ¹ãƽãã¥ãñ ‚ããÖñ.

                   ¦ã‰ãŠãÀªãÀãâ¶ããè ÌãÀ ¶ã½ãîª ‡ãñŠËñËñ Ìããֶ㠌ãÀñªãè ‡ãŠÀ¥¾ããÔããŸãè Ôãã½ã¶ãñÌããËñ ¾ããâÞ¾ãã‡ãŠ¡î¶ã À‡ã‹‡ãŠ½ã Á.2,07,000/- Þãñ ‡ãŠ•ãà Üãñ¦ãËñ.  ¦¾ããâÞ¾ã㠽֥㥾ãã ¹ãƽãã¥ãñ ¦¾ã㠇㊕ããùããñ›ãè ÌãñßãñÌãñßãè £ã¶ããªñÎã Ìã ÀãñŒã ÔÌãÁ¹ãã¦ã †‡ãã À‡ã‹‡ãŠ½ã Á.1,86,048/- Ôãã½ã¶ãñÌããËñ ¾ããâ¶ãã ãäªËñËñ ‚ããÖñ¦ã.   ¹ãÀâ¦ãî ¦¾ããâÞ¾ãã ‡ãŠãÖãè ‚ãããä©ãÇ㊠‚ã¡Þã¥ããè½ãìßñ ¦ãñ „ÌãÃÀãè¦ã À‡ã‹‡ãŠ½ã Ìãñßñ¦ã Ôãã½ã¶ãñÌããËñ ¾ããâ¶ãã ªñ…Îã‡ãŠËñ ¶ããÖãè¦ã.  ¦¾ãã½ãìßñ Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ¦¾ããâ¶ãã ‡ãŠÔãËãèÖãè ¹ãîÌãà ÔãîÞã¶ã㠶㠪ñ¦ãã ãäª.12/03/2010 Àãñ•ããè ‚ã¶ããä£ã‡ãŠãÀã¶ãñ Ìã ºãßãÞãã Ìãã¹ãÀ ‡ãŠÁ¶ã ¦¾ãã ÌããÖ¶ããÞãã ¦ããºãã Üãñ¦ãËã.   ¦¾ãã¶ãâ¦ãÀ ¦ã‰ãŠãÀªãÀ Öñ ‡ãŠ•ããÃÞããè „ÌãÃÀãè¦ã À‡ã‹‡ãŠ½ã ªñ¥¾ããÔã ¦ã¾ããÀ ‚ãÔã¦ããâ¶ãã ªñŒããèË Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ¦ããè ÔÌããè‡ãŠãÀËãè ¶ããÖãè Ìã ÌããÖ¶ããÞãã ¦ããºãã ªñŒããèË ¦¾ããâ¶ãã ãäªËã ¶ããÖãè.   ½Ö¥ãî¶ã ¹ãÆÔ¦ãì¦ãÞããè ¦ã‰ãŠãÀ ªãŒãË ‡ãŠÀ¥ãñ ¦¾ããâ¶ãã ¼ããØã ¹ã¡Ëñ.

 

[2]              Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ¦¾ããâÞããè ‡ãõŠãä¹ãŠ¾ã¦ã ãä¶ãÎãã¥ããè ¶ãâ.17 Ëã ªãŒãË ‡ãŠÁ¶ã ¦ã‰ãŠãÀªãÀãâÞããè ¦ã‰ãŠãÀ ¶ãã‡ãŠãÀËãè.   Ôãã½ã¶ãñÌããËñ ¾ããâÞ¾ã㠽֥㥾ãã ¶ãìÔããÀ ¦ã‰ãŠãÀªãÀãâ¶ããè Üãñ¦ãËñʾã㠇㊕ããÃÞããè ¹ãÀ¦ã¹ãñŠ¡ ‡ãŠ£ããèÖãè ÌãñßñÌãÀ ‡ãñŠËñËãè ¶ããÖãè.   †Ìã¤ñÞã ¶ãÌÖñ ¦ãÀ ¦¾ããâÞ¾ãã‡ãŠ¡ñ ‚㪾ãã¹ãÖãè ‡ãŠ•ããÃÞããè ©ã‡ãŠºãã‡ãŠãè ‚ãÔãî¶ã ºãÀãèÞãÎããè À‡ã‹‡ãŠ½ã ¦¾ããâ¶ãã ¾ãñ¥ãñ ºãã‡ãŠãè ‚ããÖñ.  ¦ã‰ãŠãÀªãÀãâ‡ãŠ¡ñ ©ã‡ãŠËñʾãã À‡ãŠ½ãñÞããè Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ÌããÀâÌããÀ ½ããØã¥ããè ‡ãñŠËãè ‚ãÔã¦ãã ¦¾ããâ¶ããè ¦ããè À‡ã‹‡ãŠ½ã ªñ¥¾ãã †ñÌã•ããè ÌããÖ¶ããÞãã ¦ããºãã ÔÌãŒãìÎããè¶ãñ ¦¾ããâ¶ãã ãäª.12/03/2010 Àãñ•ããè ãäªËã.  ¾ãã ‡ãŠãÀ¥ããÌãÁ¶ã Ôãã½ã¶ãñÌããËñ ¾ããâÞãñ ‚ãÔãñ ½Ö¥ã¥ãñ ‚ããÖñ ‡ãŠãè, ¦¾ããâ¶ããè ¦ã‰ãŠãÀªãÀãâ¶ãã ªñ¥¾ããÞ¾ãã ÔãñÌãñ¦ã ‡ãŠÔãËãèÖãè ‡ãŠ½ã¦ãÀ¦ãã ŸñÌãËãè ¶ãÔãʾãã½ãìßñ ¦ã‰ãŠãÀ Àªªá ‡ãŠÀãÌããè. 

 

[3]              ¦ã‰ãŠãÀªãÀ Ìã Ôãã½ã¶ãñÌããÊãñ ¾ããâ¶ããè ¦¾ããâÞ¾ã㠽֥㥾ããÞ¾ãã ¹ãðÓ›¾ã©ãà ¹ãìÀãÌãã ½Ö¥ãî¶ã Íã¹ã©ã¹ã¨ã Ìã ‡ãŠãØ㪹ã¨ã ¹ãƇãŠÀ¥ãã¦ã ªãŒãÊã ‡ãñŠÊãñ ‚ããÖñ¦ã.    ¦ã‰ãŠãÀªãÀãâÞãñ ãäÌã´ã¶ã Ìã‡ãŠãèÊã Ñããè.¹ãÀªñÎããè Ìã Ôãã½ã¶ãñÌããÊãñ ¾ããâÞãñ ãäÌã´ã¶ã Ìã‡ãŠãèÊã Ñããè.½ãñÖñÀ ¾ããâ¶ããè ‡ãñŠÊãñÊãñ ¾ãìãä‡ã‹¦ãÌã㪠†ñ‡ãŠÊãñ.   ªãñ¶ÖãèÖãè ¹ãàã‡ãŠãÀãâ¶ããè ªãŒãÊã ‡ãñŠÊãñÊãñ Íã¹ã©ã¹ã¨ã Ìã ‡ãŠãØ㪹ã¨ã ¦ãÔãñÞã ¦¾ããâÞ¾ãã Ìããä‡ãŠÊããâÞãã ¾ãìãä‡ã‹¦ãÌã㪠†ñ‡ãŠÊ¾ããÌãÁ¶ã ¾ãã ¶¾ãã¾ã½ãâÞããÞ¾ãã ãäÌãÞããÀã©ãà ŒããÊããèÊã ½ã쪪áñ „¹ããäÔ©ã¦ã Öãñ¦ãã¦ã.

          ½ã쪪áñ :                                                                 ãä¶ãÓ‡ãŠÓãà :

 

          [‚ã] ¦ã‰ãŠãÀªãÀãâ¶ããè   ‡ãŠ•ããÃÞããè   ©ã‡ãŠºãã‡ãŠãè   ªñ¥¾ãã

                †ñÌã•ããè  ÔÌã¦ã: Öãñ…¶ã Ìã  ÔÌãŒãìÎããè¶ãñ ¦¾ããâÞ¾ãã

       ÌããÖ¶ããÞãã  ¦ããºãã ãäª.12/03/2010 Àãñ•ããè

       ãäªËã Öãè ºããºã Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ãäÔ㣪 ‡ãñŠËãè

       ‚ããÖñ ‡ãŠã¾ã  ?                                                 : ¶ããÖãè.

 

[ºã]  •ãÀ ½ã쪪áã ‰ãŠ."‚ã"Þãñ „¦¦ãÀ ¶ã‡ãŠãÀã©ããê ‚ãÔãñË

       ¦ãÀ  Ôãã½ã¶ãñÌããËñ ¾ããâ¶ãã ¾ãã ¹ãƇãŠÀ¥ãã¦ããèË ãäÌãÓã¾ã

       ‚ãÔãËñʾãã    ÌããÖ¶ããÞãã    ¦ããºãã    ‡ãŠã¾ãªñÎããèÀ

       ½ããØããÃÞãã  ‚ãÌãËâºã   ¶ã   ‡ãŠÀ¦ãã  ‡ãŠÀãÀ¶ãã½¾ããÞãñ

       ‚ãã£ããÀñ Üãñ¥¾ããÞãã ‚ããä£ã‡ãŠãÀ ‚ããÖñ ‡ãŠã¾ã ?                 : ¶ããÖãè.

     

          [‡ãŠ] Ôãã½ã¶ãñÌããËñ    ¾ããâ¶ããè     ¦ã‰ãŠãÀªãÀãâ¶ãã    ÔãñÌãã

                ¹ãìÀãäÌ㥾ãã½ã£ãñ  ‡ãŠÔãîÀ   ‡ãñŠËã  ‚ããÖñ   ‡ãŠã¾ã  ?          : Öãñ¾ã.

              

         [¡] ‡ãŠã¾ã ‚ããªñÎã ?                                                  : ‚ãâãä¦ã½ã ‚ããªñÎãã ¹ãƽãã¥ãñ.

 

‡ãŠãÀ¥ãñ :

 

[4]              ¹ãƇãŠÀ¥ãã¦ã ªãŒãË ¢ããËñʾãã ‡ãŠãØ㪹ã¨ããâÞãñ ‚ãÌãËãñ‡ãŠ¶ã ‡ãñŠËñ ‚ãÔã¦ãã ‚ãÔãñ ãäªÔã¦ãñ ‡ãŠãè, ¦ã‰ãŠãÀªãÀãâ¶ããè ½ããÁ¦ããè ‚ããñ½ã¶ããè ÌÖù¶ã ŒãÀñªãè ‡ãŠÀ¥¾ããÔããŸãè À‡ã‹‡ãŠ½ã Á.2,07,000/- Þãñ ‡ãŠ•ãà Ôãã½ã¶ãñÌããËñ ¾ããâÞ¾ãã‡ãŠ¡î¶ã ãäª.12/08/2005 Àãñ•ããè Üãñ¦ãËñ.  ¦ãñ ‡ãŠ•ãà Ìã ¦¾ããÌãÀ Öãñ¥ãã-¾ãã ̾ãã•ããÞããè ¹ãÀ¦ã¹ãñŠ¡ †‡ãã 48 ½ãããäÔã‡ãŠ Ö¹¦¾ãã½ã£ãñ ¹ãƦ¾ã‡ãŠãè Á.5,814/- ¹ãƽãã¥ãñ ‡ãŠÀ¥¾ããÞãñ ŸÀËñ Öãñ¦ãñ.      ¦¾ãã¶ãìÔããÀ ¦ã‰ãŠãÀªãÀãâ¶ããè ‡ãŠ•ãà Üãñ¦ãʾãã ¹ããÔãî¶ã ¦ãñ •ãìËõ 2008 ¹ããÌãñ¦ããñ ‡ãŠ•ããÃÞ¾ãã Ö¹¦¾ããâ¹ããñ›ãè †‡ãã À‡ã‹‡ãŠ½ã Á.1,86,066/-  Ôãã½ã¶ãñÌããËò‡ãŠ¡ñ ¼ãÀʾããÞãñ ¦¾ããâÞã㠇㊕ãà Œãã¦ãñ „¦ããÀã ãä¶ãÎãã¥ããè ¶ãâ.23/1 ÌãÁ¶ã ãäªÔã¦ãñ.  ¦¾ãã¶ãâ¦ãÀ ‚ããùØãÓ› 2008 ¹ããÔãî¶ã ¦ã‰ãŠãÀªãÀãâ¶ããè ‚ãª¾ãã¹ã ¹ããÌãñ¦ããñ ‡ãŠãñ¥ã¦ããÖãè Ö¹¦ãã ¼ãÀËã ¶ãÔãʾããÞãñÖãè ¦¾ãã Œãã¦ãñ „¦ãã-¾ããÌãÁ¶ã Ô¹ãÓ› Öãñ¦ãñ.   ¾ãã ºããºããéÞãã Ìã ãäÌãÎãñÓã¦ã: ¦ã‰ãŠãÀªãÀãâ¶ããè ¦¾ããâÞ¾ãã ¦ã‰ãŠãÀãè½ã£ãñ ¾ãã ºããºã¦ã ‡ãñŠËñʾã㠇㊩ã¶ããÞãã ãäÌãÞããÀ ‡ãŠÀ¦ãã Öñ Ô¹ãÓ› Öãñ¦ãñ ‡ãŠãè, ‚ããùØãÓ› 2008 ¹ããÔãî¶ã ¦ã‰ãŠãÀªãÀ Öñ ©ã‡ãŠºãã‡ãŠãèªãÀ ¢ããËñËñ ‚ããÖñ¦ã.

 

[5]              ¦ã‰ãŠãÀªãÀ Ìã Ôãã½ã¶ãñÌããËñ ¾ããâÞ¾ã㠇㊩ã¶ããÌãÁ¶ã Öñ Ô¹ãÓ› Öãñ¦ãñ ‡ãŠãè, ãäª.12/03/2010 Àãñ•ããè ¦ã‰ãŠãÀãèÞãã ãäÌãÓã¾ã ‚ãÔãËñʾãã ÌããÖ¶ããÞãã ¦ããºãã Ôãã½ã¶ãñÌããËñ ¾ããâÞ¾ãã‡ãŠ¡ñ ØãñËã Ìã ¦ãñ Ìããֶ㠦¾ãã ¦ããÀŒãñ ¹ããÔãî¶ã ‚㪾ãã¹ãÖãè ¦¾ããâÞ¾ãã ¦ã㺾ãã½ã£ãñ ‚ããÖñ.   ¾ãã Ôã⪼ããæ㠦ã‰ãŠãÀªãÀãâÞãñ ãäÌãÎãñÓã ‡ãŠÁ¶ã ‚ãÔãñ ½Ö¥ã¥ãñ ‚ããÖñ ‡ãŠãè, Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ¦¾ããâ¶ãã ‡ãŠãñ¥ã¦ããèÖãè ¹ãîÌãà ÔãîÞã¶ãã ãä‡ãâŠÌãã ¶ããñãä›Ô㠶㠪ñ¦ãã ‚ã¶ãããä£ã‡ãŠãÀã¶ãñ Ìã ºãßãÞãã Ìãã¹ãÀ ‡ãŠÁ¶ã ¦¾ãã ÌããÖ¶ããÞãã ¦ããºãã ¦¾ãã ãäªÌãÎããè Üãñ¦ãËã.  ¾ãã „Ë› Ôãã½ã¶ãñÌããËñ ¾ããâÞãñ ‚ãÔãñ ½Ö¥ã¥ãñ ‚ããÖñ ‡ãŠãè, ¦ã‰ãŠãÀªãÀãâ‡ãŠ¡ñ ©ã‡ãŠËñʾã㠇㊕ããÃÞ¾ãã Ö¹¦¾ããÞããè ÌãñßãñÌãñßãè ½ããØã¥ããè ‡ãñŠËãè ‚ãÔã¦ãã ¦¾ããâ¶ããè ¦ãñ ÌããÖ¶ã ÔÌã¦ã: Öãñ…¶ã ãäª.12/03/2010 Àãñ•ããè ¦¾ããâÞ¾ãã ¦ã㺾ãã¦ã ãäªËñ.  ¦ã‰ãŠãÀªãÀ Ìã Ôãã½ã¶ãñÌããËñ ¾ããâÞãñ Öñ ¹ãÀÔ¹ãÀ ãäÌãÀãñ£ããè ãäÌã£ãã¶ã ãäÔ㣪 ‡ãŠÀ¥¾ããÔããŸãè ¦¾ããâ¶ããè ¦¾ããâÞ¾ãã Ìãõ¾ããä‡ã‹¦ã‡ãŠ Îã¹ã©ã¹ã¨ãã ̾ããä¦ãÀãè‡ã‹¦ã ƒ¦ãÀ ŸãñÔã ‚ãÔãã ¹ãìÀãÌãã ¹ãƇãŠÀ¥ãã¦ã ªãŒãË ‡ãñŠËñËã ¶ããÖãè.  ¦ã©ãããä¹ã ¹ãƇãŠÀ¥ãã¦ã „¹ã˺£ã ‚ãÔãËñʾãã ¹ãìÀã̾ããÌãÁ¶ã ¦ã‰ãŠãÀªãÀãâ¶ããè ¾ãã Ôã⪼ããæ㠇ãñŠËñʾã㠇㊩ã¶ãã½ã£ãñ ¦ã©¾ã ‚ãÔãʾããÞãñ ãäªÔãî¶ã ¾ãñ¦ãñ. 

 

[6]              ‡ãŠãÀ¥ã Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ¦ã‰ãŠãÀªãÀãâ‡ãŠ¡ñ ©ã‡ãŠËñʾã㠇㊕ãà ֹ¦¾ããâÞããè ½ããØã¥ããè ãäª.12/03/2010 ¹ãîÌããê ÌããÀâÌããÀ ‡ãñŠËãè Öãñ¦ããè Öñ ªãŒããäÌ㥾ããÔããŸãè ‡ãŠÔãËãÖãè ŸãñÔã ‚ãÔãã ¹ãìÀãÌãã ¹ãƇãŠÀ¥ãã¦ã ªãŒãË ‡ãñŠËñËã ¶ããÖãè.  ¾ãã „Ë› ¦ã‰ãŠãÀªãÀãâ¶ããè Ìããֶ㠕㹦ããè Ôã⪼ããæã Ôãã½ã¶ãñÌããËñ ¾ããâÞ¾ãã ºãÀãñºãÀ ¹ã¨ã̾ãÌãÖãÀ ‡ãñŠÊ¾ããÞãñ ãäªÔãî¶ã ¾ãñ¦ãñ.    •ãÀ ŒãÀãñŒãÀãèÞã ¦ã‰ãŠãÀªãÀãâ¶ããè ÔÌãŒãìÎããè¶ãñ ÌããÖ¶ããÞãã ¦ããºã㠇㊕ãà ©ã‡ãŠºãã‡ãŠãè¹ããñ›ãè Ôãã½ã¶ãñÌããËñ ¾ããâ¶ãã ãäªËã ‚ãÔã¦ãã ¦ãÀ ¦¾ããâ¶ããè ãäª.15/03/2010 Àãñ•ããè Ôãã½ã¶ãñÌããËñ ¾ããâ¶ãã ¾ãã Ôã⪼ããæ㠶ããñãä›Ôã ãä¶ãÎãã¥ããè ¶ãâ.8/26 ¹ããŸãäÌãËãè ¶ãÔã¦ããè.   ¦ã‰ãŠãÀªãÀãâ¶ããè ¹ããŸãäÌãËñËãè Öãè ¶ããñãä›Ôã Ôãã½ã¶ãñÌããËñ ¾ããâ¶ãã ãä½ãßî¶ã ªñŒããèË ¦¾ããâ¶ããè ¦¾ãã ¶ããñãä›ÔããèÞãñ „¦¦ãÀ ¦ã‰ãŠãÀªãÀãâ¶ãã ãäªËñËñ ¶ããÖãè.   Öñ ŒãÀñ ‚ããÖñ ‡ãŠãè, ‡ãŠãØ㪠ãä¶ãÎãã¥ããè ¶ãâ.8/29 ÌãÁ¶ã ‚ãÔãñ ãäªÔã¦ãñ ‡ãŠãè, Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ¦ã‰ãŠãÀªãÀãâ¶ãã ãäª.13/03/2010 Àãñ•ããè ¹ã¨ã ãäËÖî¶ã ¦¾ããâ¶ããè ÌããÖ¶ããÞãã ¦ããºãã ¦¾ããâ¶ãã ãäªÊ¾ããÞãñ ‡ãŠßãäÌãËñ ‚ããÖñ.   ¹ãÀâ¦ãî ‡ãñŠÌãß ¾ãã ¹ã¨ããÞãñ ‚ãã£ããÀñ Ôãã½ã¶ãñÌããËñ ¾ããâÞãñ ¾ãã Ôã⪼ããæ㠇ãñŠËñËñ ‡ãŠ©ã¶ã ÔÌããè‡ãŠãÀ¥ãñ ¾ããñؾã Öãñ¥ããÀ ¶ããÖãè ‚ãÔãñ ¾ãã ¶¾ãã¾ã½ãâÞããÞãñ Ô¹ãÓ› ½ã¦ã ‚ããÖñ.  ‡ãŠãÀ¥ã ¦ã‰ãŠãÀªãÀãâ¶ããè ¦¾ãã ¹ã¨ããÔã ãäª.19/03/2010 Àãñ•ããè „¦¦ãÀ [ãä¶ãÎãã¥ããè ¶ãâ.8/31] ªñ…¶ã ¦¾ããâÞ¾ãã ¶ããñãä›Ôããè ½ã£ããèË ½ã•ã‡ãìŠÀ ¶ãã‡ãŠãÀËñËã ‚ããÖñ.   ¾ãã ã䟇ãŠã¥ããè Öñ ¶ã½ãìª ‡ãŠÀ¥ãñ ½ãÖ¦ÌããÞãñ ‚ããÖñ ‡ãŠãè, ¦ã‰ãŠãÀªãÀãâ¶ããè Ôãã½ã¶ãñÌããËñ ¾ããâ¶ãã ¹ããŸãäÌãËñʾãã ªãñ¶Öãè ¶ããñãä›Ôããè ãä½ãßî¶ã ªñŒããèË ¦¾ããâ¶ããè ¦¾ããâÞãñ „¦¦ãÀ ¦ã‰ãŠãÀªãÀãâ¶ãã ãäªËñËñ ¶ããÖãè.  •ãÀ ŒãÀãñŒãÀãèÞã Ôãã½ã¶ãñÌããËñ ¾ããâÞ¾ã㠽֥㥾ãã ¹ãƽãã¥ãñ ¦ã‰ãŠãÀªãÀãâ¶ããè ¦¾ããâÞ¾ãã ÌããÖ¶ããÞãã ¦ããºãã ÔÌãŒãìÎããè¶ãñ ¦¾ããâ¶ãã ãäªËã ‚ãÔã¦ãã ¦ãÀ ¦ããè ºããºã Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ¦ã‰ãŠãÀªãÀãâÞ¾ãã ¶ããñãä›ÔããèËã „¦¦ãÀ ªñ…¶ã ¦¾ããâ¶ãã ãä¶ããäÎÞã¦ãÞã ‡ãŠßãäÌãËãè ‚ãÔã¦ããè.   ¹ãÀâ¦ãî Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ¦ã‰ãŠãÀªãÀãâÞ¾ãã ¶ããñãä›Ôããè ãä½ãßî¶ã ªñŒããèË ‡ãŠãÖãèÖãè „¦¦ãÀ ãäªËñ ¶ãÔãʾãã¶ãñ ¦¾ããâ¶ããè ÌããÖ¶ããÞ¾ãã ¦ã㺾ãã Ôã⪼ããæ㠇ãñŠËñʾã㠇㊩ã¶ãã½ã£ãñ ¦ã©¾ã ¶ãÔãʾããÞãñ Ô¹ãÓ› Öãñ¦ãñ.  ¾ãã ÔãÌãà ºããºããéÞãã †‡ãŠ¨ããè¦ã ãäÌãÞããÀ ‡ãŠÀ¦ãã Öñ Ô¹ãÓ› Öãñ¦ãñ ‡ãŠãè, ¦ã‰ãŠãÀªãÀãâÞ¾ã㠽֥㥾ãã ¶ãìÔããÀ Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ¦¾ããâÞ¾ãã ÌããÖ¶ããÞãã ¦ããºãã ãäª.12/03/2010 Àãñ•ããè ‚ã¶ããä£ã‡ãŠãÀã¶ãñ Ìã ºãßãÞãã Ìãã¹ãÀ ‡ãŠÁ¶ã Üãñ¦ãËñËã ‚ããÖñ.

 

[7]              Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ¦ã‰ãŠãÀªãÀãâÞ¾ãã ÌããÖ¶ããÞãã ¦ããºãã ‚ãÎãã ¹ãƇãŠãÀñ Üãñ¦ãËñʾãã ºããºããèÞãã ãäÌãÞããÀ ‡ãŠÀ¦ãã ¶ãõÔããäØãÇ㊠ãäÀ¦¾ãã ‚ãÔãã ¹ãÆζã ãä¶ã½ããÃ¥ã ÖãñƒÃÊã ‡ãŠãè, ãäÌ㦦㠹ãìÀÌãŸã   ‡ãŠÀ¥ãã-¾ãã ‚ãÎãã ÔãâÔ©ãñËã ‡ãŠã¾ãªñÎããèÀ ½ããØããÃÞãã ‚ãÌãËâºã ¶ã ‡ãŠÀ¦ãã ØãõÀ½ããØããöãñ ‡ãŠ•ãêãÀãâÞãñ Ìããֶ㠇㊕ãà ©ã‡ãŠºãã‡ãŠãè¹ããñ›ãè ¦ã㺾ãã¦ã Üãñ¥¾ããÞãã ‚ããä£ã‡ãŠãÀ ¹ãÆ㹦ã Öãñ¦ããñ ãä‡ãâŠÌãã ‡ãŠÔãñ ?.    ¹ãÆÞããä˦㠶¾ãã¾ã ¦ã¦Ìãã¶ãìÔããÀ ¾ãã ¹ãÆζããÞãñ „¦¦ãÀ ãä¶ããäÎÞã¦ãÞã ¶ã‡ãŠãÀã©ããê ª¾ããÌãñ ËãØãñË.   ‡ãŠãÀ¥ã ‚ããªÀ¥ããè¾ã ÔãÌããóÞÞã ¶¾ãã¾ãã˾ãã¶ãñ ¾ãã ºããºã¦ã ÌãñßãñÌãñßãè ‚ãÔãñ ¦ã¦Ìã ½ããâ¡Ëñ ‚ããÖñ ‡ãŠãè, ãäÌ㦦㠹ãìÀÌãŸã  ‡ãŠÀ¥ãã-¾ãã ‚ãÎãã ÔãâÔ©ãñ¶ãñ ‡ãŠ•ããÃÞ¾ãã ©ã‡ãŠºãã‡ãŠãè¹ããñ›ãè ÌããÖ¶ããÞããè •ã¹¦ããè ‡ãŠã¾ãªñÎããèÀ ½ããØããÃÞãã ‚ãÌãËâºã ‡ãŠÁ¶ãÞã ‡ãŠÀãÌããè.   •ãÀ ãäÌ㦦㠹ãìÀÌãŸã ‡ãŠÀ¥ãã-¾ãã ÔãâÔ©ãñ¶ãñ ‡ãŠã¾ãªñÎããèÀ ½ããØããÃÞãã ‚ãÌãËâºã ¶ã ‡ãŠÀ¦ãã ÔÌã¦ã: ‡ãŠã¾ãªã  Öã¦ãã¦ã Üãñ…¶ã ÌããÖ¶ããÞãã ¦ããºãã Üãñ¦ãËã ‚ãÔãñË ¦ãÀ ¦ãñ ‡ãðŠ¦¾ã ãä¶ããäÎÞã¦ãÞã ºãñ‡ãŠã¾ãªñÎããèÀ ‚ããÖñ ‚ãÔãñ ‚ããªÀ¥ããè¾ã ÔãÌããóÞÞã ¶¾ãã¾ãã˾ãã¶ãñ Ìã ‚ããªÀ¥ããè¾ã ÀãÓ›Èãè¾ã ‚ãã¾ããñØã ¾ããâ¶ããè ÌãñØãÌãñØãß¾ãã ¶¾ãã¾ã ãä¶ãÌã㡾ããâ½ã£ãñ Öñ ¶¾ãã¾ã¦ã¦Ìã ½ããâ¡ËñËñ ‚ããÖñ.    ¾ãã Ôã⪼ããÃ¦ã   ICICI Bank v/s. Shanti Devi Sharma and others : 2008 CTJ 677 (Supreme Court) (CP), ICICI Bank v/s Prakash Kaur and others : (2007) 2 SCC 711 Ìã ‚ããªÀ¥ããè¾ã ÀãÓ›Èãè¾ã ‚ãã¾ããñØã ¾ããâ¶ããè Citicorp Maruti Finance Ltd. v/s  S. Vijayalaxmi : 2007 (3) CPR 191  ¾ãã  ¶¾ãã¾ã  ãä¶ãÌã㡾ãã½ã£ãñ ½ããâ¡Ëñʾãã ¶¾ãã¾ã ¦ã¦ÌããÞãã ‚ãã£ããÀ Üãñ¦ãã ¾ãñƒÃË.   

 

[8]              ‚ããªÀ¥ããè¾ã ÀãÓ›Èãè¾ã ‚ãã¾ããñØãã¶ãñ Citicorp Maruti Finance Ltd. v/s  S. Vijayalaxmi ¾ãã ¹ãƇãŠÀ¥ãã¦ã ‚ãÎãã ‡ãñŠËñʾãã ØãõÀ‡ãðŠ¦¾ã㠺㪪áË ãäÌ㦦㠹ãìÀÌãŸã ‡ãŠÀ¥ãã-¾ãã ÔãâÔ©ãñËã •ãÀºã ºãÔããÌããè ½Ö¥ãî¶ã ‡ãŠ•ãêãÀãâ¶ãã ¶ãì‡ãŠÔãã¶ã ¼ãÀ¹ããƒÃ ª¾ããÌããè ‚ãÔãñ ¦ã¦Ìã ½ããâ¡Ëñ ‚ããÖñ.    ¦ãÔãñÞã ¦¾ãã ¹ãƇãŠÀ¥ãã¦ã ½ããâ¡Ëñʾãã ƒ¦ãÀ ¶¾ãã¾ã ¦ã¦ÌããÞãã ãäÌãÞããÀ ‡ãŠÀ¦ãã Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ‚ã¶ããä£ã‡ãŠãÀã¶ãñ •ãñ ¦ã‰ãŠãÀªãÀãâÞãñ Ìããֶ㠕㹦㠇ãñŠËñ ‚ããÖñ ¦¾ãã ÌããÖ¶ããÞãã ¦ããºãã ªñŒããèË ¦ã‰ãŠãÀªãÀãâ¶ãã ªñ¥¾ããÞãã ‚ããªñÎã ‡ãŠÀ¥ãñ ¶¾ãã¾ããÞãñ ÒÓ›ãè¶ãñ ØãÀ•ãñÞãñ ‚ããÖñ.   ¦¾ãã½ãìßñ ¾ãã Ôã⪼ããæã Ôãã½ã¶ãñÌããËñ ¾ããâ¶ããè ¦ã‰ãŠãÀªãÀãâ¶ãã ªñ¥¾ããÞ¾ãã ÔãñÌãñ¦ã ‡ãŠ½ã¦ãÀ¦ãã ŸñÌãËãè ‚ããÖñ ‚ãÔãñ ¾ãã ¶¾ãã¾ã½ãâÞããÞãñ ½ã¦ã ‚ããÖñ. 

 

[9]              ¦ã‰ãŠãÀªãÀãâ¶ããè ¦¾ããâÞ¾ãã ÌããÖ¶ããÞ¾ãã ¦ã㺾ãã ̾ã¦ããèãäÀ‡ã‹¦ã ƒ¦ãÀ ‡ãŠãÖãè ªãª ¦¾ããâÞ¾ãã ¦ã‰ãŠãÀãè¦ããèË ãäÌã¶ãâ¦ããè ¹ããäÀÞœñªã½ã£ãñ ½ãããäØã¦ãËñʾãã ‚ããÖñ¦ã.   ¾ãã ƒ¦ãÀ ½ããØ㥾ããâÞãã ãäÌãÞããÀ ‡ãŠÀ¦ãã ¦¾ãã ½ããØ㥾ãã ½ã㶾㠇ãŠÀ¥¾ããÞãã ‚ããä£ã‡ãŠãÀ ¾ãã ¶¾ãã¾ã½ãâÞããÔã ¶ããÖãè ‚ãÔãñ ¾ãã ¶¾ãã¾ã½ãâÞããÞãñ ½ã¦ã ‚ããÖñ.  ‡ãŠãÀ¥ã ØãÆãև㊠¶¾ãã¾ã¦ã¦Ìã ÎããÔ¨ãã¶ãìÔããÀ [Principle of Consumer Jurisprudence]   ¾ãã ¶¾ãã¾ã½ãâÞããÔ㠹㊇㋦ã ÔãñÌãã ªñ¥ãã-¾ãã¶ãñ ªñ¥¾ããÞ¾ãã ÔãñÌãñ½ã£ãñ ‡ãŠãÖãè ‡ãŠ½ã¦ãÀ¦ãã ŸñÌãËãè ‚ãÔãñË ¦ãÀ ¾ãã ¶¾ãã¾ã½ãâÞããÔã ¦¾ã㠺㪪áË ¶ãì‡ãŠÔãã¶ã ¼ãÀ¹ããƒÃ ªñ¥¾ããÞã㠹㊇㋦㠂ããä£ã‡ãŠãÀ ‚ããÖñ.    ¦ã‰ãŠãÀªãÀãâÞ¾ãã ƒ¦ãÀ ¶ãì‡ãŠÔãã¶ããèÞ¾ãã ½ããØã¥ããè ºããºã¦ã ¦¾ããâ¶ããè ãäªÌãã¥ããè ¶¾ãã¾ãã˾ãã¦ã •ãㅶ㠪㪠½ããØããÌããè ‚ãÔãñÖãè ¶¾ãã¾ã¦ã¦Ìã ‚ããªÀ¥ããè¾ã ÔãÌããóÞÞã ¶¾ãã¾ãã˾ãã¶ãñ   City Bank N.A. v/s Geekay Agropack (P) Ltd.(2009) C.P.J. 16 (S.C.)  ¾ãã ¶¾ãã¾ã ãä¶ãÌã㡾ãã½ã£ãñ ½ããâ¡ËñËñ ‚ããÖñ.   ¦¾ãã½ãìßñ ¦ã‰ãŠãÀªãÀãâ¶ããè ƒ¦ãÀ •¾ãã ‡ãŠãÖãè ½ããØ㥾ãã ‡ãñŠÊ¾ãã ‚ããÖñ¦ã ¦¾ããâÞãã ãäÌãÞããÀ ‡ãŠÀ¥¾ããÞããè ‚ããÌãξã‡ãŠ¦ãã ¶ããÖãè ‚ãÔãñ ¾ãã ¶¾ãã¾ã½ãâÞããÞãñ ½ã¦ã ‚ããÖñ.   ¦ã‰ãŠãÀªãÀãâ¶ãã ¶ãì‡ãŠÔãã¶ã ¼ãÀ¹ããƒÃ ªñ¦ãñÌãñßãè ¦¾ããâ¶ããè ‚ããùØãÓ› 2008 ¶ãâ¦ãÀ ‡ãŠ•ãà ©ã‡ãŠºãã‡ãŠãè¹ããñ›ãè ‡ãŠÔãËãèÖãè À‡ã‹‡ãŠ½ã Ôãã½ã¶ãñÌããËñ ¾ããâ¶ãã ãäªËñËãè ¶ããÖãè Öãè ºããºã ãäÌãÞããÀã¦ã Üãñ¥ãñ ØãÀ•ãñÞãñ ‚ããÖñ.  ¾ãã ÔãÌãà ºããºããéÞãã ãäÌãÞããÀ ‡ãŠÁ¶ã Öñ ¶¾ãã¾ã½ãâÞã ¶¾ãã¾ããÞ¾ãã ÒÓ›ãè¶ãñ ŒããËãèË ¹ãƽãã¥ãñ ‚ããªñÎã ‡ãŠÀãè¦ã ‚ããÖñ.

‚ããªñÎã

 

          [‚ã]    ¦ã‰ãŠãÀªãÀãâÞããè ¦ã‰ãŠãÀ ‚ãâÎã¦ã: ½ãâ•ãîÀ ‡ãŠÀ¥¾ãã¦ã ‚ããËãè ‚ããÖñ.

 

[ºã]     Ôãã½ã¶ãñÌããËñ ¶ãâ.1 Ìã 2 ¾ããâ¶ããè Ìãõ¾ããä‡ã‹¦ã‡ãŠ Ìã Ôãâ¾ãìãä‡ã‹¦ã‡ãŠ ãäÀ¦¾ãã, ÔãªÀ ãä¶ã‡ãŠãËãÞãñ  ¦ããÀŒãñ ¹ããÔãî¶ã ¹ãì¤ãèË 45 ãäªÌãÔããâÞãñ ‚ãã¦ã.

 

          [1]    ¦ã‰ãŠãÀªãÀãâ¶ãã ¦¾ããâÞãñ ½ããÁ¦ããè ‚ããñ½ã¶ããè †Ë¹ããè•ããè ÌÖù¶ã ‰ãŠ½ããâ‡ãŠ †½ã.†Þã. 17 ›ãè 6143 Þãã ¦ããºãã ª¾ããÌãã.

 

          [2]    ¦ã‰ãŠãÀªãÀãâ¶ãã ¶ãì‡ãŠÔãã¶ã ¼ãÀ¹ããƒÃ ½Ö¥ãî¶ã À‡ã‹‡ãŠ½ã Á.5,000/- [Á.¹ããÞã Ö•ããÀ ½ãã¨ã] ª¾ããÌãñ¦ã.

 

          [3]    ¦ã‰ãŠãÀªãÀãâ¶ãã ½ãã¶ããäÔã‡ãŠ ¨ããÔã Ìã ‚ã•ããÃÞãã ŒãÞãà ½Ö¥ãî¶ã †‡ãã À‡ã‹‡ãŠ½ã Á.3,000/- [Á.¦ããè¶ã Ö•ããÀ ½ãã¨ã] ª¾ããÌãñ¦ã.

 

          [‡ãŠ]    Ôãâºãâãä£ã¦ããâ¶ãã ‚ããªñÍã ‡ãŠßãäÌ㥾ãã¦ã ¾ããÌãã.

 

‚ãֽ㪶ãØãÀ.

ã䪶ããâ‡ãŠ :  22/06/2010.

 

 

 

           {‚ãù¡.Ôããõ.½ããä¶ãÓãã ‡ãõŠËãÔã Œã¡ã½ã‡ãŠÀ}                   {Ñããè.Ôãì£ãã‡ãŠÀ.‡ãñŠ.ãäºã¶ãÌã¡ñ}

                        ÔãªÔ¾ãã                                              ‚㣾ãàã

          ãä•ãÊÖã ØãÆãև㊠¦ã‰ãŠãÀ ãä¶ãÌããÀ¥ã                  ãä•ãÊÖã ØãÆãև㊠¦ã‰ãŠãÀ ãä¶ãÌããÀ¥ã

              ¶¾ãã¾ã½ãâÞã,‚ãֽ㪶ãØãÀ.                          ¶¾ãã¾ã½ãâÞã,‚ãֽ㪶ãØãÀ.

 


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