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2025 Supreme(Online)(SCDRC) 4496

STATE CONSUMER DISPUTES REDRESSAL COMMISSION
POONAM RAWAT – Appellant
Versus
UNION BANK OF INDIA THROUGH MANAGER – Respondent
SC/8/A/75/2024



Petitioner Advocates:KRISHNATAR DANGAYACH ,Respondent Advocate: MANISH MATHUR

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2- izR;FkhZ@foi{kh la[;k 1 dh vksj ls Jh euh"k ekFkqj] vf/koDrkA 3- izR;FkhZ@foi{kh la[;k 2 dh vksj ls Jh fot; flag] vf/koDrkA cgl lquus dh fnukad&20-01-2025 fu.kZ; lqukus dh fnukad&27-01-2025 fu.kZ;

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vihykfFkZ;k@ifjokfn;k iwue jkor us ;g vihy izR;FkhZx.k@foi{khx.k ;wfu;u cSad vkWQ bafM;k oxSjg ds fo#) fo}ku ftyk miHkksDrk vk;ksx] t;iqj r‘rh;] t;iqj ds fu.kZ; fnukad 29-12-2023 ds fo#) izLrqr dh gSA

02- izdj.k ds l{a ksi esa rF; bl izdkj l s crk;s x;s gSa fd vihykfFkZ;k@ifjokfn;k dk cpr [kkrk izR;FkhZ@foi{kh l[a ;k 1 ;wfu;u cSad vkWQ bafM;k ’kk[kk tkSgjh cktkj] t;iqj es a gSA vihykfFkZ;k@ifjokfn;k dh iq=h dk flVh iksLV vkWfQl esa cpr [kkrk gS] ftldk ,d psd vihykfFkZ;k@ifjokfn;k ds uke ls fnukad 21-12-2015 dks 1]00]000@&:i;s dk tkjh fd;k x;k Fkk] ftls vihykfFkZ;k@ifjokfn;k us vius llqj dSyk’k 'kadj jkor ds tfj;s izR;FkhZ@foi{kh l[a ;k 1 ;wfu;u cSad vkWQ bafM;k esa Hkqxrku ckcr tek djkus ds fy;s fnukad 21- 12-2015 dks cSad esa fLFkr MªkWi ckWDl esa Mkyk FkkA mDr psd dh jkf’k vihykfFkZ;k@ifjokfn;k ds [kkrs esa tek gksus dh tkudkjh dh rks Kkr gqvk fd jkf’k tek ugha gqbZ gS] bl ij izR;FkhZ@foi{kh l[a ;k 1 ;wfu;u cSad vkWQ bafM;k ls f’kdk;r dh xbZ rks mUgksaus iksLV vkWfQl esa tkdj ekywe djus ds fy;s dgk] tgka ekywe djus ij irk pyk fd mDr psd fnukad 23-12-2015 dks gh ;wdks cSad] 'kk[kk tkSgjh cktkj] t;iqj es a fdlh fo’kky xqIrk ds [kkrs esa ;wdks cSad dh p.Mhx<+ ’kk[kk esa tek gks x;k gSA blls Li"V gS fd vihykfFkZ;k@ifjokfn;k dk mDr psd izR;FkhZ@foi{kh l[a ;k 1 ;wfu;u cSad ds deZpkfj;ksa dh ykijokgh vkSj feyhHkxr ds dkj.k fdlh fo’kky xqIrk }kjk pqjk fy;k x;k gSA izR;FkhZ@foi{kh l[a ;k 1 ;wfu;u cSad vkWQ bafM;k esa yxk;s x;s lhlhVhoh dSejs dh QqVst l s Hkh ;g iw.kZr;k lkfcr gS fd mDr psd dks vihykfFkZ;k@ifjokfn;k ds llqj }kjk izR;FkhZ@foi{kh l[a ;k 1 cSad esa yxk;s x;s M“kWi ckWDl esa Hkqxrku gsrq fMiksftV djk;k x;k gS] ysfdu mls izR;FkhZ@foi{kh l[a ;k 1 cSad }kjk mDr M“kWi ckWDl dks iwjh rjg lqjf{kr u j[k ikus ds dkj.k vihykfFkZ;k@ifjokfn;k ds mDr psd dk fel;qt fd;k x;k gS] blds fy;s izR;FkhZ@foi{kh Lo;a ftEesnkj gSA vihykfFkZ;k@ifjokfn;k us izR;FkhZ@foi{kh l[a ;k 1 ;wfu;u cSad vkWQ bafM;k l s mDr psd dh jkf’k dk Hkqxrku djus dk fuosnu Hkh fd;k Fkk] ysfdu ugha fd;k rks ,d fof/kd uksfVl fnukad 10- 08-2016 dks izsf"kr djk;k] tks ml s izkIr gks x;k] vr% 1]00]000@&:i;s e; gtkZuk fnyk;s tkus dh izkFkZuk dh xbZ gSA

03- izR;FkhZ@foi{kh l[a ;k 1 ;wfu;u cSad vkWQ bafM;k us ,d [k.MukRed tokc izLrqr fd;k gS] ftlus vius tokc es a vkxs ;g crk;k gS fd iqfyl Fkkuk ek.kd pkSd }kjk fd;s x;s vUos"k.k ls ;g rF; vfookfnr gS fd mDr psd ;wdks cSad esa fo’kky xqIrk ds [kkrs esa tek gqvk gS vFkkZr~ ;wdks cSad ’kk[kk tkSgjh cktkj] t;iqj esa izLrqr@fMiksftV gqvk Fkk] blfy; s ml ij yxk;s x;s vkjksi vLohdkj gSA vihykfFkZ;k@ifjokfn;k ds llqj }kjk mDr psd dks izR;FkhZ@foi{kh ds ;gka fMiksftV@izLrqr ugha djok;k x;kA blls ;g Li"V gS fd psd dks ;wdks cSad ’kk[kk] tkSgjh cktkj] t;iqj esa gh izLrqr fd;k x;k Fkk] vr% M“kWi ckWDl dks lqjf{kr ugha j[k ikus dk vkjksi iw.kZr;k feF;k o vLohdkj gSA ;g Hkh crk;k x;k Fkk fd vihykfFkZ;k@ifjokfn;k mldh miHkksDrk ugha gS ,oa mlds vkSj izR;FkhZ@foi{kh cSad ds chp miHkksDrk vkSj lsoknkrk dk laca/k ugha gSA ;wdks cSad 'kk[kk tkSgjh cktkj] t;iqj bl ekeys dk vko’;d i{kdkj gSA vihykfFkZ;k@ifjokfn;k }kjk cSafdax yksdiky ds le{k ifjokn izLrqr fd;k x;k Fkk] ftlds }kjk fnukad 15-03-2016 dks vihykfFkZ;k@ifjokfn;k dk ifjokn fujLr dj fn;k x;k gSA tgka vkjksi bf.M;u isuy dksM ls lkfc

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