V/s

JUDGEMENT

JUDGEMENT DELIVERED BY SRI. D.Y. BASAPUR, PRESIDENT

          The complainants have filed the complaint U/Sec.12 of the Consumer Protection Act, 1986 for recovery crop loan insurance amount of Rs.2,77,000/- as shown in schedule para-5 with interest @ 18% p.a, towards mental agony of Rs.5,000/- each and cost of the proceedings.

           1.  The brief facts of the complaint are as under:

          Complainants are resident of  Savadi village of Ron  Taluk Dist:Gadag.  They have grown Green-gram, Groundnut and Onion for the year 2006-07 in Kharif season and paid the premium amount as shown in the schedule para-5 through OP No.2. Due to shortage of rain, complainants have suffered loss.  Inspite of repeated request to Ops, they did not settle the claim.  So, Ops have committed the deficiency of service.  Hence, filed this complaint.

          2.       In pursuance of notice, OP No.1 appeared through counsel, OP No.3 appeared through DGP and Op No.2 remained absent. Op No.1 & 3 filed written version. 

          3.       The brief facts of written version filed by OP No.1 are as under:

          OP No.1 denied the various allegations and contended that, complainants have claimed for the loss of their crop Green-Gram, Groundnut and Onion during the year 2006-07 for Kharif seasons.   As per the yield data furnished by the Director of Economics and Statistics, there was no shortfall. Hence, claim is not settled.  So, there is no deficiency of service. Hence, prays for dismissal of the complaint.

          4. The brief facts of  written version filed by OP No.3 are as under:

          OP No.3 denied the various allegations and contended that, complainants have claimed for the loss of their crops during the Kharif season 2006-07.  Complainants are not a consumer, this Op has only supervising power over the other Ops.  So, there is no deficiency of service. Hence, prays for dismissal of the complaint.

          5. After hearing, my predecessor passed common judgment on 12.12.2008, complaint is partly allowed and awarded compensation.  OP No.1 has challenged the judgment in Appeal No.712/2009 before the Hon’ble Karnataka State Consumer Disputes    Redressal   Commission,   Bangalore,   the   same   came  to  be dismissed. OP No.1 preferred R.P.No.2861/09 before Hon’ble the National Commission, same came to be allowed  on 12.08.2009 and remanded for fresh disposal.

          6.       After receipt of the records, notice issued to the parties.  After hearing, my predecessor again passed common judgment on 28.05.2010 and awarded compensation.  Being aggrieved by the judgment, OP No.1 again preferred an appeal in Appeal No.2741/10 before the Hon’ble State Consumer Disputes Redressal Commission, Bengaluru and the same came to be allowed on 28.10.2010 and remanded for fresh disposal.

7.       After receipt of the records, notice issued to the parties.  After hearing, my predecessor again passed common judgment on 21.05.2016 and awarded compensation.  Being aggrieved by the judgment, OP No.1 again preferred an appeal in Appeal No.1441/16 before the Hon’ble State Consumer Disputes Redressal Commission, Bengaluru and the same came to be allowed on 12.10.2020 and remanded for fresh disposal.

          8.       After receipt of the records, notice issued to the parties. Complainant. No. 4 is reported as dead. Complainant No.4 is the son of Complainant No.1 who is a on record. Notice served to complainants. Complainant No.1, 2 & 9 are reported as dead and no LRs of 2 & 9 are not brought on record.  Complainant No.3, 5,6 to 8 are filed affidavits and examined as PW-1 to PW-5 and got marked documents as Ex.C-1 to Ex.C-41. DGP appeared for Op No.3 and filed the written version. Notice served to Op No.1 & 2 they are remained absent and not chosen to file affidavit evidence.

9.       Op No.1 filed written arguments on 26.12.2011. No argument advanced        on both side, as no presentation made out.

          10.     The points for consideration to us are as under:

1. Whether the complainants prove that, there is a deficiency in service by the OPs?

2. Whether the complainants prove that, they are          

entitled for relief?

3. What Order?

       11.   Our findings on the above points are as under:

               Point No. 1:  Negative.

               Point No. 2:  Negative

               Point No. 3:  As per the final Order

R E A S O N S

              12.   Point No.1 & 2:- The points are taken together to avoid the repetition of facts.

            13.   On careful perusal of the materials placed before us, case remanded for fresh disposal with a direction take affidavit evidence of all complainants. PW-1 to PW-5 filed affidavits and reiterated contents of complaint. PW-1 to   PW-5 have stated that, Complainants are resident of  Savadi village of Ron  Taluk Dist:Gadag.  They have grown Green-gram, Groundnut and Onion for the year 2006-07 in Kharif season and paid the premium amount as shown in the schedule para-5 through OP No.2. Due to shortage of rain, complainants have suffered loss.  Inspite of repeated request to Ops, they did not settle the claim.  So, Ops have committed the deficiency of service.   

14.     Ex.C-1 to Ex.C-41 RTCs and other documents are not disputing by the Ops. Main contention of Op No.1 is that there was a no shortfall as per yield data report issued by statistical department. Ex.C-23 to Ex.C-41 crop cutting experiment produced by Dist. Statistical Department are discloses that Ops adopted the procedure as per guidelines. In the written version filed by Op No.1 shown the threshold yield, assessed yield and shortfall. For the year 2006-07 for Kharif season there is no shortfall.  

15.     Even no cause of action arose to file this complaint as there is no deficiency of service committed by Ops. Complainants claiming compensation for the loss of crops for the year 2006-07 and complaint filed after 2 years in the year 2008. Even complaint is barred by limitation. Complainant No.2 and 9 are reported as dead and their LRs are not brought on record.  Without proving the case with affidavit evidence and documents, complainants are not entitled the reliefs. Mere allegation made in the complaint without producing documentary evidence to show that there is a shortfall.

          16.     For the above, complainants have failed to prove that OPs have committed deficiency of service and they are entitled for the relief.   Accordingly, we answer Point No.1 and 2 in Negative.         

             17.  POINT NO. 3: In the result, we pass the following:

//O R D E R//

              The complaint filed U/Sec.12 of the Consumer Protection Act, 1986 is dismissed.No order as to costs.

Amount transferred from State Commission, deposited by OP No.1 is ordered to return to OP No.1 after appeal period.

Office is directed to send the copies of this order to the parties free of cost.

            (Dictated to the Stenographer, transcribed by him, corrected and then pronounced by me in the Open Court on this 24^th  day of August- 2022)

       (Shri Raju N. Metri)          (Shri. D.Y. Basapur)   (Smt.Yashoda Bhaskar. Patil)                                MEMBER                           PRESIDENT              WOMAN MEMBER

-: ANNEXURE :-

EVIDENCE ON BEHALF OF COMPLAINANT/S:

PW-1 : Ishwarappa Veerabhdrappa Sangamad

PW-2 : Mallavva W/o Ishwrayya Hiremath

PW-3 :Basavaraj S/o Ishwarappa Jangodi

PW-4 : Shanthavva  W/o Channayya Hirematha

PW-5 : Veerappa S/o Bashettappa Chavadi Urf Pattanshetti

DOCUMENTS ON BEHALF OF COMPLAINANT/S

Ex.C-1 & 2 : RTCs

Ex.C-3:  Karnataka Vikas Grameen Bank Certificate.

Ex.C-4:  RTC.

Ex.C-5 : Karnataka Vikas Grameen Bank Certificate.

Ex.C-6 : RTC.

Ex.C-7 : Karnataka Vikas Grameen Bank Certificate.

Ex.C-8 : RTC.

Ex.C-9 : Karnataka Vikas Grameen Bank Certificate.

Ex.C-10 & 11 : RTC.

Ex.C-12: Karnataka Vikas Grameen Bank Certificate.

Ex.C-13 to 15 : RTCs

Ex.C-16 : Karnataka Vikas Grameen Bank, Certificate.

Ex.C-17 & 18: Karnataka Vikas Grameen Bank, Certificate.

Ex.C-19 : Karnataka Vikas Grameen Bank, Certificate.

Ex.C-20 : RTC.

Ex.C-21 : Karnataka Vikas Grameen Bank, Certificate.

Ex.C-22 : RTC.

Ex.C-23: Letter from Dist. Statistical department, Gadag dtd:20.10.2012.

Ex.C-24 to 41: Form No.II.

EVIDENCE ON BEHALF OF OPs:

           -NIL-

DOCUMENTS ON BEHALF OF OPs:

               -NIL-

        (Shri Raju N. Metri)    (Shri. D.Y. Basapur)   (Smt.Yashoda Bhaskar. Patil)

              MEMBER                  PRESIDENT            WOMAN MEMBER