IN THE HIGH COURT OF ORISSA
S.K. Panigrahi, J.
Amarnath Pradhan - Appellant
Versus
Prabir Kumar Dey & Ors. - Respondents
W.P.(C) No. 20392 of 2023
Decided On : 20-11-2023
JURISDICTION - CONSUMER DISPUTE REDRESSAL - Negotiable Instrument Act, 1881, Section 138; Consumer Protection Act, 2019, Section 2(47), Section 39, Section 100 - The court analyzed the jurisdiction of the State Consumer Disputes Redressal Commission in relation to a complaint filed against a deceased individual. It highlighted that the complaint was not maintainable as the complainant failed to establish a buyer-seller relationship with the petitioner, who was not a signatory to the cheques in question. The court emphasized the lack of evidence supporting the claim and the improper description of the deceased in the complaint, leading to the conclusion that the Commission acted beyond its jurisdiction.
Fact of the Case:
The petitioner challenged an order from the State Consumer Disputes Redressal Commission, which allowed a complaint against him regarding dishonored cheques issued by his deceased son for building materials supplied to the complainant. The petitioner argued that he was not a party to the contract and that the complaint was filed against a deceased person, rendering it a nullity.
Finding of the Court:
The court found that the complaint was not maintainable as the complainant failed to prove any business transaction with the petitioner. The Commission's order was quashed due to lack of jurisdiction and failure to establish a buyer-seller relationship.
Issues: Whether the State Consumer Disputes Redressal Commission had jurisdiction to entertain a complaint against a deceased individual and whether the petitioner, as a legal heir, could be held liable for the debts of his deceased son.
Ratio Decidendi: The court held that the Consumer Commission lacked jurisdiction over the matter as the complainant did not provide evidence of a transaction with the petitioner, and the complaint against a deceased person was not maintainable.
Final Decision: The court quashed the order of the State Consumer Disputes Redressal Commission and allowed the petitioner to pursue civil remedies if desired.
JUDGMENT
Dr. S.K. Panigrahi, J.
The Petitioner through this Writ Petition has challenged the order dated 22.06.2023 passed by the President, State Consumer Disputes Redressal Commission, Odisha, Cuttack in C.C No.24 of 2021, the same being completely without jurisdiction, illegal and unsustainable in the eye of law.
I. Factual Matrix of the Case:
2. The petitioner's deceased son being a proprietor entered into a contract to supply building materials like chips, sand & boulders and provide machineries on rent to the O.P. The O.P had made certain excess payment to a sum of Rs. 1,03,08,600/-. Hence the proprietor issued 3 nos. of postdated cheques of different amounts and different dates for repayment of the same.
3. Unfortunately, the petitioner's son/proprietor expired due to a tragic car accident. The O.P on presenting such postdated cheques before the bank, the same returned dishonored on the ground of "insufficient funds" and "other customer deceased."
4. The O.P issued notice to the present petitioner U/s 138 (b) of Negotiable Instrument Act, 1881 although the present petitioner is not the author of the cheque nor anywhere a signatory to the agreement or has a buyer seller relationship with the O.P. The O.P thereafter filed Complaint Case No.24/2021 before the State Consumer Disputes Redressal Commission, Orissa claiming a sum of total Rs. 1,05,08,600/-
5. The said complaint petition being not maintainable before the aforesaid forum, was allowed vide order dated 22.06.2022. Hence challenging the same, this writ has been filed.
II. Petitioner's Submissions:
6. Learned counsel for the Petitioner(s) earnestly made the following submissions in support of his contentions:
7. The Proforma Opposite Party No.3 since already dead, the impugned order is against a dead person. Hence, the impugned order is a nullity in the eye of law. The learned Commission completely failed to appreciate that the complaint case in absence of proper description of the Proforma Opposite Party No.3 was not at all maintainable & hence the impugned order is liable to be set aside.
8. The Commission miserably failed to consider the issue of maintainability as to whether the Complainant is coming within the definition of consumer and dispute presented before it qua the present petitioner was at all maintainable. The petitioner nowhere being a party to any of the alleged contract nor a signatory to the Cheque nor even any semblance with the business of the Proforma Opposite Party No.3, no liability could have been saddled with the Opposite Party No.l.
9. The Opposite Party No.l as a complainant filed C.C Case No.24 of 2021 before the State Consumer Disputes Redressal Commission, Odisha, Cuttack with a prayer for payment of outstanding dues of Rs. 1,03,08,600/-and other dues. The allegation of the Complainant was that he was having some dealings with Debabrata Amarnath who is the Proprietor of Proforma Opp. Party No.3 towards purchase of Chips and Metals, for which there was transaction. It is further complained that there was over payment of Rs. 1,03,08,600/-. The Proforma Opposite Party No.3 by virtue of three Cheques had refunded the aforesaid amount. But to the misfortune the said Proforma Opposite Party No.3 died on 17.10.2020, out of unfortunate Car accident. After death of the Proforma Opposite Party No.3, the Cheques which were presented in the Bank were bounced. Subsequent thereto, the present Consumer Complaint No. 24 of 2021 was filed with the prayer as aforesaid.
10. The Commission though has specifically found that the Complainant has not filed any documents to prove the basic transaction on the issue of buyer and seller, but has held that the Complainant is entitled to claim, damages from the present petitioner, who is father of late Debebrata Amarnath. The Complainant has not filed a single piece of paper or has proved anything showing involvement of the petitioner in the alleged transaction or business.
11. The Proforma Opposite Party No.3 was not in proper
A consumer complaint against a deceased individual is not maintainable, and a legal heir cannot be held liable for debts without evidence of a direct transaction or relationship with the complainant.
Revisional Jurisdiction – Concurrent decisions of District Forum & State Commission cannot be set aside by this National Commission as it cannot go into re-appreciation of evidence.
“Claim for insurance coverage as given to deceased as a part of benefits for owning a debit card cannot be repudiated.”
A bank's allowance of withdrawals from a joint account involving an illiterate individual violates regulatory norms, necessitating accountability for negligence and fraud.
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