Forum : Bhandara

DISTRICT CONSUMER DISPUTES REDRESSAL FORUM,BHANDARA

Near Akhil Sabhagruha, Ganeshpur Road,Bhandara

Complaint Case No. CC/15/73

( Date of Filing : 06 Oct 2015 )

1. Brijeshkumar Jadishprasad Dixit

R/o. Khamara, Tah. Sadak Arjuni, Dist. Gondiya

Gondiya

Maharashtra

...........Complainant(s)

Versus

1. State Bank Of India, Through Branch Manager

Branch Sakoli, Shivaji Ward, Main Road, Sakoli, Dist. Bhandara

Bhandara

maharashtra

2. The Regional Officer, State Bank of India

Regional Office III, Administrative Office, S.V.Patel Marg, Kingsway, Nagpur 440001

Nagpur

Maharashtra

3. The Managing Director, State Bank of India

State Bank Bhavan, Central Marg, Mumbai,

Mumbai

Maharashtra

............Opp.Party(s)

BEFORE:

HON'BLE MR. BHASKAR B. YOGI PRESIDENT

HON'BLE MS. SMITA N. CHANDEKAR MEMBER

HON'BLE MRS. VRUSHALI JAGIRDAR MEMBER

For the Opp. Party:

Dated : 20 Jul 2018

Final Order / Judgement

:: ????????? ::

(????? ??????? ??.??????? ??????? ?????? ?????? ???????)

(????? ???????20 ????, 2018)

01. ???????????????? ????????? ?????? ?????? ??????? ?????-1986 ?? ???-12 ???? ???????????? ????-1) ?? 3) ?????? ???? ?? ?????? ????? ???? ??????? ????? ???????? ???? ?????? ???.

02. ????????? ????????? ??? ????? ???????-

??????????? ?? ?? ????????? ???? ???? ??????? ??????????? ???? ??????????? ???? ????? ????? ?????? ???? ?????? ????????? ????? ?????????? ??????? ??????-2008 ?????? ???????????? ?????? ????? ???? ???? ?????-9,00,000/- ????? ?????? ???? ????????????? ????? ????? ???? ??? ????? ??????? ???? ????-30370847484 ??? ???. ??????? ???????? ??????????? ????? ??????? ???? ????? ?????. ??????? ???? ???????? ???? ??????? ??????? ???? ??????? ????? ????? ???? ?? ????-358/1, ?????? ???? ????-15, ?????????-0.20 ??????? ???? ??? ?????????? ???? ??????? ???????????? ????-1) ?????????? ?????? ????? ????? ??? ????, ????????? ???????????? ????-1) ?????????? ???? ????? ???? ?????? ????? ??????? ????? ???? ?????????????? ???? ???? ???????? ???. ?????????? ??????????? ?? ???????????????? ?????? ????. ???????????? ????-1) ???? ?? ???????????? ????-2) ??? ????-3) ?? ??????????? ?????????? ????? ????.

???????????????? ???? ??? ???? ???? ??, ??????? ?????????? ???? ???? ?????? ?????? ???????????? ???? 1 ?????????? ????? ??? ????, ????? ???? ???? ?????? ????????? ?? ????? ???? ?????? ?????? ??? ???? ????. ???????????? ????-1) ????? ????? ??????? ????? ???????????????? ??? ????, ???????? ??????? ??????? ?????? ???? ???? ???? ??? ???????? ????????, ?????????????? ????????? ????? ????? ????? ???????????? ????-1) ?????????? ?????-???? ???????? ???? ???? ???? (Full & Final Settlement) ?????-2,66,870/- ???? ?????? ??????-30/03/2013 ?????? ??? ????? ??? ???????????????? ???????, ????????? ???????????? ????-1) ?????????? ?????-???? ???????? ????????? ??????, ????? ?????? ???????? ?????? ???????? ?????????? ????? ???? ??? ???????? ???? ???? ??? ????????? ???? ??????? ??????????? ???????? ??? ????????? ???? ??-??? ?????????? (No Dues Certificate) ??????? ????????? ???????? ????. ?????? ????? ?????? ????-????? ??????????? ???? ????????? ???? ???? ???????? ???? ????? ????????. ?????????? ????????? ????????????? ???????????????? ??????????? ??????? ???? ?????? ?????-2,65,870/- ???????????? ????? ?????? ??? ????. ???????????? ????? ????? ???????????????? ???? ????????? ????? ???????? ???? ??????? ???? ???? ??? ????????? ???? ????.

???????????????? ???? ??? ???? ???? ??, ??????? ?????????? ?????? ??????? ??????? ?????? ??????? ???? ???????????? ????-1) ????? ?????? ??-????-??????????/ ??-???-??????????/ ????????? ???? ???? ????????????? ??????? ????????? ???? ??? ??????????? ???? ???????? ???????? ??? ?????????? ??????????? ??? ?????????? ????????? ?????? ???? ????? ???????????? ????-1) ?????????? ?????-???? ????? ?????? ??? ?????? ????????? ????????? ???????? ???? ??? ????????. ????????? ??????? ??? ???????????? ????-1) ????? ???? ????????? ????? ?????????? ?????? ?????? ?????? ????,????????? ??????? ??????-10/10/2013 ???? ???????????? ????-1) ????? ?????? ???? ???? ???? ???????????? ????? ????? ?????? ??????-30/12/2013 ?????? ?? ???? ???????? ???? ??????????? ????????? ??????? ??? ?????? ??????? ?????-35,127/- ????? ????????? ?????? ????? ???????? ??? ??? ??? ?????? ???????? ??????? ???? ??? ???????? ??? ???????? ????? ??? ????? ????. ???????????????? ??? ??????? ??? ??, ??????? ?????????? ???? ???? ??? ?????? ?????? ???????????? ????-1) ????? ????? ??????-30/12/2013 ?????? ?????? ???? ??? ???????????? ????? ???????? ????? ?????? ?????? ??? ?????????? ??? ??? ???????????? ????? ????? ??????? ??? ???? ??????? ?????? ???????? ???? ???, ????????? ??????? ?????? ????? ??? ????? ???? ???. ??????? ??????? ???????????? ????-1 ?? 3 ????? ???????? ?????? ???? ?????? ???? ???????????? ????? ???????? ????????-

(1) ???????????? ????-1) ????? ????? ??????? ?????? ??????-30/12/2013 ????

?????? ???? ?? ?????????? ??? ???????????????? ???????? ?????????

????? ???????? ????.

(2) ????????????? ??????? ?????????? ????? ??????? ??-????-??????????/ ??-??? ?????????? ??????? ????????? ?????? ???????.

(3) ??????? ????????? ???????????? ????? ?????? ???? ?????????? ????????????? ???? ??? ??????????? ?????? ????-???? ???? ???? ????????? ???????????????? ?????? ???????.

(4) ???????????????? ??????? ????? ????? ???? ?????????? ??????????? ?????????? ??????-03/04/2008 ?? ??? ???????? ??????? ??? ????????? ?????? ???????.

(5) ??????? ????????? ?????? ?????? ????? ????? ??????? ?????-1,00,000/- ??? ????????? ???? ?????-10,000/- ?????????????? ???? ????????? ?????? ???????.

03. ???????????? ??.?.????-1) ?? 3) ????? ??????? ???? ?????? ??? ????-52 ?? ???? ???? ???????? ???? ???????? ???????????????? ???? ?????-9,00,000/- ?????? ???? ???????? ???????? ??? ?????? ????. ????? ???????????????? ?????? ???? ?????? ?????? ???? ????. ?????????????? ????? ?? ??? ???????????? ?????? ???????? ??? ??, ???????? ???? ?????-???? ???????????????? ???? ?????????? ???? ??????? ?Full & Final Settlement? ???? ?????-2,65,870/- ???? ?????? ???????? ???????? ???? ??? ????? ???????? ???? ???? ??? ???? ???????????????? ??????? ?????????? ????? ??????? ??-????-??????????/ ??-??? ?????????? ????????? ???? ??????? ????????? ???????????? ????? ?????? ???? ?????????? ????????????? ???? ??? ??????????? ?????? ????-???? ???? ???? ????????? ??????????? ??????? ????? ????? ???? ?????????? ?????????????? ????????????? ??? ???????? ??????? ??? ????????? ????????? ???? ????. ??????-2013 ?????? ???????????? ????-1) ?????????? ?????-???? ??????? ????? ????? ??-??? ?????????? ????????? ???????? ???? ???? ?? ??? ??????? ?????? ????. ???????????????? ??????? ???? ???? ??? ??????????? ???????????? ????? ????? ???? ???? ?????-35,127/- ?? ????? ???????? ??? ???? ?? ??? ?????? ????. ???????????????? ???????????????? ??????? ???????? ???? ?????? ????. ?????????????? ????? ????? ???? ???????? ??? ??, ???????????????? ?????????? ???? ?????? ?????? ?????? ???? ????????? ??????? ????? ???????????? ??????? The Securitization and Reconstruction Of Financial Assets and Enforcement Of Security Interest Act, 2002 ?SARIAESI ACT? ???? ?????? ???? ???? ????, ????????? ????? ????????? ?????? ??? ???? ?? ???????????????? ???? ????????? ???-???????? ???????????? ????? ???????. ???????????????? ??????? The Securitization and Reconstruction Of Financial Assets and Enforcement Of Security Interest Act, 2002 ?SARIAESI ACT? ??????? ????? ????????? ???? ??????? ???????????? ????? ?????? ?????? ??? ???? ? ?? ?????? ??????? ?????????. ??????????? ??? ???????????? ????? ?????? ???? ???? ????? ??????? ?????? ?????? ??????? ???? ??-??? ?????????? ???? ????????? ??????? ???????? ???????? ??? ???????. ???????? ??? ? ????? ??????? ??????????? ?? ??????? ?????? ??? ????????? ?????? ? ??????? ?????? ???????? ?????? ???. ????? ???????????????? ?????? ??????? ????? ????????? ?????? ???????????? ????-1) ?? 3) ????? ????.

04. ???????????????? ?????? ???? ???????????????? ???? ?????? ??? ??? ?????? ????? ???? ???????????? ???? ????? ??????????? ?????? ???????? ???. ????????? ??????? ?????? ?????????????? ????? ????????? ???? ??.??. ??????? ????? ?? ???????????? ????? ????? ???? ???? ??.??. ???????? ????? ????? ?????????? ???????? ???, ????????? ?????? ?????? ????????? ????? ???????-

::?????????::

05. ???????????????? ???????????? ????? ???? ?????????? ???? ?????? ????? ??? ?????? ?????? ????. ???????????? ??????? ???????? ??? ???? ??? ??, ???????????????? ??????? ?????? ?????? ?????? ????. ????? ???????????????? ??? ??????? ??? ??, ??????? ???????????? ????-1) ?????????? ?????-????? ????????? ????? ???????? ??????? ??????? ?????? ?????? ????????? ??????????? ??????? ??????? ???????? ?????? ??? ???????? ??????????? ??????? ????? ???????????? ??????? ???? ????? ????. ???????????? ????? ????? ?????????? ???????? ???? ?????????? ???? ??????? ???????? ???????? ??????????? ??????? ??????? ??????? ?????????? ?????? ?????? ?????? ????????? ? ??????? ??????? ???? ???? ????? ??????? ???? ???? ??? ??????? ???? ??????? ???? ???????? ?????????? ???????????? ??????? ????? ???? ?????-35,127/- ? ???????? ?????????? ???????? ?????? ??? ???????????? ??????? ????? ???? ??????????????? ?????? ???? ??? ?????? ??????? ????????? ???????? ????? ????.

06. ???? ????? ???????????????? ???? ????????? ???-???? ?????? ???????? ???, ????????? ???????????????? ???? ????????? ??????-25/08/2012 ???? ??????? ?????? ??????? ?????-3,95,878/- ???? ?????? ?????????? ???. ????????? ??????? ??????-03/12/2012 ???? ?????-1,00,000/-, ??????-06/12/2012 ???? ?????-25,000/-, ??????-21/01/2013 ???? ?????-5000/-, ??????-02/03/2013 ???? ?????-2,00,000/-, ??????-25/03/2013 ???? ?????-50,000/- ??? ??????-30/03/2013 ???? ?????-15,870/- ?????????? ??????-03/12/2012 ?? ??????-30/03/2013 ????? ???????? ??????? ???????? ?????? ?????-3,95,870/- ???????????? ?????? ??????? ???? ???????? ??? ?????? ??? ??? ???????????? ??????? ??????-30/03/2013 ???? ??????? ??????? ???? ???? ????? ????????????? (Closing Balance-0.00) ???? ???-?? ???? ????? ???? ??????????? ????? ????.

07. ???????????????? ???? ???? ??????-30/03/2013 ???? ??? ??????? ???? ??????? ?????? ?????? No Objection Certificate ? No Due Certificate ? ??? ???????? ? ????????? ??????? ??????-10/10/2013 ???? ???????????? ???? ????-1) ????? ???? ???? ???? ??????????? ????? ???? ???? ???????????? ????? ????? ?????? ??????-30/12/2013 ?????? ???? ???????? ???? ???????????? ??????? ???? ???? ????-30370847484 ?? N.P.A. ??????????? ????????? ?????? ???? ????????? ??????? ( Rs.-35,127/- + Interest) ???? ???? ???? ???? ??? ????????? ??? ?????? ???? ????????? ??????? ?????? ??? ???? ??? ???????? ???? ????? ??? ??????. ????? ???????????? ??????? ???????????????? ??????-02/01/2017 ?????? ?????????? ???? ??????????? ????? ??????? ?????????? ???-

Sr.No.

Particulars

Amount in Rupees

Notice charges u/s 13(2) of SARIAESI Act, 2002

2,022/-

Recovery charges paid to MITCON Recovery Agency

14,607/-

Possession fees paid to ?Do-

6,348/-

Possession notice published in newspaper Advertisement fees

12,150/-

Total Rs.

35,127/-

?????? ??? ????? ???? ??, ????????? ????????? ?????? ?? ?????-35,127/- ???? ??.?. ?????? ?????????? ???. ?? ?????? ????????? ??? ??????? ???????????? ??????? ??????? ???????? ???????? ?????????????? ???? ????? ????????? ???? ?????? ???? ???? ??? ???? ????? ????????? ???? ???? ?????? ???? ???? ????????? ????????? ?????? ?????-35,127/- ?????????? ?? ???? ???? ??? ????? ????? ???????? ??????? ???? ????????? ???? ???? ???? ???? ?????? ?????. ?? ??? ???????????? ????????? ???????? ??? ?????? ?????-35,127/- ?? ????????? ??????? ???? ????? ?????????? ????.

08. ???????? ???? ??????? ??????? ??????? ???????? ????? ??????-30/03/2013 ???? ???????????????? ???? ???? ??? ??????? ????, ????????? ???????????????? ?????????? ??????????? ??? ???????? ??? ????????? ????? ??????-10/10/2013 ???? ???????????? ???????? ???? ????????? ??? ????? ???????? ???? ???????????? ????? ????? ?????? ??????-30/12/2013 ?????? ???? ???? ????????? ??????? ? ????????? ????? ?????? ???. ????????? ????? ??.?.?????? ???? ???? ??? ?????????????? ??? ?????? ????? ??????? ??? ????. ???????????? ??????? ??????? ???? ???????? ??? ???? ???? ??, ???????????????? ?????????? ???? ?????? ?????? ?????? ???? ????????? ??????? ???????? ???????????? ??????? The Securitization and Reconstruction Of Financial Assets and Enforcement Of Security Interest Act, 2002 ?SARIAESI ACT? ???? ?????? ???? ???? ????, ????????? ????? ????????? ?????? ??? ???? ?? ???????????????? ???? ????????? ???-???????? ???????????? ????? ???????. ???????????????? ????? ????? ???? The Securitization and Reconstruction Of Financial Assets and Enforcement Of Security Interest Act, 2002 ?SARIAESI ACT? ????????? ????? ????????? ???? ??????? ???????????? ????? ?????? ?????? ??? ???? ? ?? ?????? ??????? ?????????. ???????????? ??????? ???????? ????? ????? ??????? ??????-30/03/2013 ???? ??????? ??????? ???? ???? ??? (Loan Account Closed) ???? ?????????? ???????????? ??????? ????????? ????????? ?????? ?????-35,127/- ? ???? ???? ???????? ????????? ????? ????????????????? ???? ??? ???? ????? ???????????? ?????? ??? ????????? ??????? ?????????? ?????? ???????? ???? ????????? ????? ??? ????.

09. ??? ?????? ???? ???? ????? ?????? ??? ???? ??? ??, ?????????? ?????? ?????? ???????????????? ???????? ?????-12,500/- ??????? ?????????-2008 ????? ????-72 ?????????? ???????? ????. ?????????? ???????????????? ?????????-2014 ?????? ???? ?????? ?????? ????? ????? ???? ????? ???????????? ?????? ?????????????? ???????? ???? ????????? ??????? ????????????? ??????? ??????-30.03.2013 ?????? ??????? ???? ?????? ?????? ???? ? ???????????? ?????? ??????? ???? ???? ??? ????. ????????????????? ??? ?????? ???????? ???????????????? ???? ???? ??? ????????????? ??????????? ?????? ???????????????? ???? ???? ????????? ????? ???? ?? ???????? ??????? ???????? ????, ????? ??? ? ???? ???????????????? ?????? ????? ???????????? ?????? ?????-35,127/- ? ??? ?????? ????? ?????????????? ??? ???? ?????????? ??????????? ???????? ??????? ??????? ?????? ??????? ???? ????? ????? ?? ????????? ?????? ??????? ?????? ???? ???????? ??????? ?????? ????????? ??????? ????? ???? ??? ?????? ???????? ?? ???.

???????????? ????????? ????????? ??????? ?????????? ???????????????? ????????? ??????? ? ?????? ????? ?????? ??? ??????? ??????????? ?? ???????????? ???? ???? ?????? ????? ??? ????????? ???? ????????? ????? ???, ??? ?????? ?? ???.

10. ???? ???? ?????????????? ????? ????, ??? ????????? ???????? ????? ??????? ???? ????? ???? ???.

::????::

1) ??????????????? ?????? ????? ????? ???????? ????.

2) ???????????? ????-(1) ????? ?????? ???????? ???? ??,???????? ?????????????? ???? ??????? ?????? ???? ??????? ?????? ? ?????? ??????????????????? ???? ???? ??????? ????? ??????? ??? ???????? ??????? ???????-

(?) ??-????-?????????? (No Objection Certificate)

(?) ????? ??????? ??-???-?????????? (No Due Certificate)

(?) ???????????????? ???? ???????? ???????????? ????? ?????? ?????????? ?????????? ??????????? ??? ?????? ?????????? ??????? ??? ????????.

3) ???????????????? ????????? ??????? ? ?????? ?????? ????? ?????-15000/ (?????? ????? ????? ???? ?????) ??? ????????? ???? ??????? ?????- 3000/-(?????? ????? ??? ???? ?????) ???????????? ????-1 ????? ??????????????? ???????.

4) ??? ??????? ??????? ???????????? ????-1 ????? ????????? ???????????? ???? ????????? ????? 30 ???????? ?? ?????.

5) ???????? ???? ??????? 2 ? 3 ?????????? ?????? ????? ???????? ????.

6) ??????????????? ???????? ????? ??? ??????????? ????????? ??????? ???? ???????? ????????.

7) ???????????????? ??? ? ??? ??????? ??? ???????? ????????.

[HON'BLE MR. BHASKAR B. YOGI]

PRESIDENT

[HON'BLE MS. SMITA N. CHANDEKAR]

MEMBER

[HON'BLE MRS. VRUSHALI JAGIRDAR]

MEMBER