This Complaint coming up before us for hearing on 02-02-12 in the presence of Sri K.V.R.H. Prasad, advocate for the complainant and of Sri L. Vijay Kumar, advocate for opposite party, upon perusing the material on record and having stood over till this day for consideration this Forum made the following:-

O R D E R

Per Sri A. Hazarath Rao,  President:-

        The complainant filed this complaint u/s 12 of the Consumer Protection Act declare that the outstanding loan amount of Rs.55,414/- to the credit of her account has been discharged as per  the guidelines framed by the Union Government under the Agricultural Debt Relief Scheme has been discharged and for clearance certificate besides costs.

2.    In brief the averments of the complainant are hereunder:

        The complainant is an agricultural coolie and does not possess any land.   In 2003 – 2004 the opposite party granted crop loan to the complainant vide account No.30600784422 on the guarantee of one Vallapuri Janardhana Rao.   The opposite party on 02-05-10 in writing informed the complainant that she is eligible for 25% of concession under Agricultural Debt Relief Scheme if pays 75% of loan amount on or before 30-06-10.   The complainant gave a suitable reply.   Inspite of reply given by him the opposite party is demanding the complainant to pay the entire amount due.   The above conduct of the opposite party amounted to deficiency of service.   The complaint therefore be allowed.

3.   The contention of the opposite party in brief is hereunder:

        The complainant is not a consumer under the Consumer Protection Act.   The complainant on 20-08-04 applied to the opposite party for sanction of short term loan of Rs.50,000/- stating that she is cultivating Ac.13.60 of land.   Accordingly the opposite party sanctioned Rs.50,000/- on 20-08-04 to the complainant towards working capital on execution of necessary documents by her.   While seeking loan the complainant declared that she owns and possess Ac.13.60 of land and submitted a lease agreement dated 10-08-04.     As the complainant falls under the category of other farmers as per the guidelines of the Debt Relief Scheme, 2008 the opposite party issued notice demanding the complainant to pay 75% of the eligible amount.   The complaint failed to pay the said amount and as such is not entitled to the Debt Waiver Scheme, 2008.  Hence the complaint may be dismissed.

4.   Exs.A-1 and A-2 on behalf of the complainant and Exs.B-1 to B-11 on behalf of opposite party were marked.

5.     Now the points that arose for consideration in this complaint are:

1. Whether the complainant is a small farmer within the scheme?
2. Whether the complainant is entitled to the benefits under the Debt Relief Scheme 2008?
3. Whether the complainant is entitled to get the entire loan waived?
4. To what relief?

6.   POINT No.1:-   Sanctioning of loan of Rs.50,000/- to the complainant by the opposite party and issue of Ex.A-1 notice to the complainant are not in dispute.    Under Ex.A-1 dated 02-05-10 the opposite party informed the complainant that she was indebted in a sum of Rs.55,414/- by 30-06-10 and if pays Rs.75% from out of the above amount the loan gets discharged.        

7.    In Ex.A-2 reply the complainant got it mentioned that she has no agricultural land in her name and she is an agricultural labour.   It is for the complainant to prove that she comes under the purview of small farmer as defined under the Debt Waiver Scheme, 2008. 

8.     The relevant portion in the guidelines issued under the Debt Relief Scheme, 2008 are detailed hereunder:

1. Introduction:
   1. The Finance Minster, in his Budget speech for 2008-09, announced a Debt Waiver and Debt Relief Scheme for farmers.
   2. Guidelines for implementation of the Scheme are given below.
2. SCOPE:
   1. The scheme will cover direct agricultural loans extended to marginal and small farmers’ and ‘other farmers’ by Scheduled Commercial Banks, Regional Rural Banks, Cooperative Credit Institutions (including Urban Cooperative Banks) and Local Area Banks (herein after referred to compendiously as “lending institutions”) as indicated in the Guidelines.
   2. The scheme shall come into force with immediate effect.
3. Definitions:
   1. Direct Agricultural Loans means Short Term Production Loans and Investment Loans provided directly to farmers for agricultural purposes.   This would also include such loans provided directly to groups of individual farmers (for example Self Help Groups and Joint Liability Groups), provided Banks maintain disaggregated data of the loan extended to each farmer belonging to that group.
   2. Short Term Production Loan means a loan given in connection with the raising of crops which is to be repaid within 18 months.   It will include working capital loan, not exceeding Rs.1 lakh, for traditional and non traditional plantations and horticulture.
   3. -
   4. -
   5. Marginal Farmer means a farmer cultivating (as owner or tenant or share cropper) agricultural land up to 1 hectare (2.5 acres).
   6. Small farmer means a farmer cultivating (as owner or tenant or share cropper) agricultural land of more than 1 hectare and up to 2 hectares (5 acres)
   7. Other Farmer means a farmer cultivating (as owner or tenant or share cropper) agricultural land of more than 2 hectares (more than 5 acres).

Explanation:

1. -
2. -
3. In case of a farmer who has obtained investment credit for allied activities where the principal loan amount does not exceed Rs.50,000/-, he would be classified as “small and marginal farmer” and, where the principal amount exceeds Rs.50,000/- he would be classified as ‘other farmer’, irrespective in both cases of the size of the land holding, if any.

4.   Eligible amount:

          4.1   The amount eligible for debt waiver or debt relief, as              the case may be (hereinafter referred to as the                           eligible amount) shall comprise of:

          a) In the case of a short-term production loan, the                             amount of such loan (together with applicable interest);

          i) Disbursed up to March 31, 2007 and overdue as on                                December 31, 2007 and remaining unpaid until                                  February 29, 2008.

          ii) restructured and rescheduled by Banks in 2004 and in                    2006 through the special packages announced by                                 the Central Government, whether overdue or not; and

          iii) restructured and rescheduled in the normal course                up to March 31, 2007 as per applicable RBI guidelines                 on account of natural calamities, whether overdue

               or not.

5. Debt Waiver:

          5.1 In the case of a small or marginal farmer the entire                             eligible amount shall be waived.

6. Debt Relief:

          6.1   In the case of ‘other farmers’,  there will be a one          time settlement (OTS) Scheme under which the farmer will be given a rebate of 25 per cent of the    ‘eligible amount’ subject to the condition that the           farmer pays the balance of 75 percent of the eligible     amount’;

9.  As per the above scheme small farmer means a farmer cultivating (as owner or tenant or share cropper) agricultural land of more than 1 hectare and up to 2 hectares (5 acres) and other farmer means a farmer cultivating (as owner or tenant or share cropper) agricultural land of more than 2 hectares (more than 5 acres).   

10.   In her affidavit the complainant mentioned that she does not possess any agricultural land.   The complaint averments alone have to be taken into consideration.  The complaint averments and the chief affidavit of the complainant clearly established that she did not possess any land and is only an agricultural labour.  An Agricultural labour does not come under the purview of the said scheme.   Therefore the complainant is not a small farmer as defined under the said scheme.   Inspite of that the opposite party basing on the document submitted by the complainant at the time of availing loan provided relief to her under the Debt Waiver Scheme, 2008 considering her as other farmer.   The complainant did not satisfy with the said relief which the opposite party provided and rushed to this Forum.   In view of the averments made by the complainant in her complaint and affidavit the documents filed by the opposite party in our considered opinion need not be gone into. The complainant in this case and the complainants in C.C.131/11 to 135/11 are inter-related. The complainant failed to utilize the advantage provided by the opposite party under Ex.A-1 notice.   We therefore hold that the complainant did not come under the purview of a small farmer under the Debt Relief Scheme 2008 and answer this point against the complainant. 

11.   POINTS 2 AND 3:-   In view of above finding, we answer these points against the complainant. 

12.  POINT No.4:-   In view of above findings, in the result the complaint is dismissed with costs of Rs.1000/- to the opposite parties.   The above amount should be paid within a period of six weeks from the date of receipt of the copy of the order.

        Typed to my dictation by Junior Stenographer, corrected by us and pronounced in the open Forum dated this the 14^th day of February, 2012.

MEMBER                                             MEMBER                                             PRESIDENT

APPENDIX OF EVIDENCE

DOCUMENTS MARKED

For Complainant:

For opposite party: 

                                                                                                                                    PRESIDENT