District Consumer Disputes Redressal Forum Gadchiroli. M.I.D.C. Road, T - Point, Navegaon, Tah. Dist. Gadchiroli. Pin No. 442605. Maharashtra Complaint Case No. CC/19/2017 1. Gurudeo Gramin Bigar Shetki Sahkari Pat Sanstha Marya. Neri Through Manohar Ganpatrao Pise At - Neri Tah - Chimur Chandrapur Maharashtra ...........Complainant(s) Versus 1. United India Insurance Co. Ltd. Through Branch Manager & Other 2 At-Po-Tah- Gadchiroli Gadchiroli Maharashtra 2. Shri. Amey C. Katyayan At-Po-Talodhi, Tah-Nagbhir Chandrapur Maharashtra 3. Bank Of Maharashtra, Gadchiroli Through Branch Manager Gadchiroli Gadchiroli Maharashtra ............Opp.Party(s) BEFORE: HON'BLE MS. Roza F. Khobragade PRESIDENT HON'BLE MR. Sadik M. Zaveri MEMBER For the Complainant: Adv. V.M.Khelkar, Advocate For the Opp. Party: Adv. Vijay Puglia, Advocate Dated : 20 Feb 2018 Final Order / Judgement (?????? ?????????????, ????. ????? ????????? ?????, ??????) ??????????? ????????? ????? ?????? ???????? ????????????? ?????? ??????? ????? 1986 ?? ??? 12 ??????? ???? ???? ????, ????????? ??? ????????? ???? ???????... 1. ??????????? ?? ??????????? ?????? ??????? ??????? 1960 ?? ??????? ????????? ?????? ??????? ???? ?? ??????????? ???? ???? ? ???? ???? ????????? ??? ???? ???? ???????? ????? ? ???? ?? ?????? ???? ????. ???????? ???? ?? ???? ????? ???? ????????? ????????? ???????????? ???? ????? ????????? ???, ????????? ? ??????-????? ???? ???? ????? ????? ?????????, ???, ???? ? ??? ???????????? ?????????? ??.50,000/- ?? ???? ???????? ???? ???.1 ????????? ????? ???? ?????????? ??????? ???? ????? ???? ?????? ??.11,841/- ?? ?????? ???.857009 ??.09.03.2014, ???????? ??????? ?????????? ?????? ??? ?????., ???? ?? ????. ????????? ???????? ???? ???.1 ????? ??????? ??????? ???????????? ??????? ??????? ??????? ???????????? ??.09.03.2014 ???? ???? ? ??.11.03.2014 ???? ?????????? ?????? ??????? ????????? ??????? ??.14.03.2014 ?? 13.03.2015 ?????? ????. ???????? ???????? ?????? ??.5,50,000/- ?????????? ???? ??????? ???????? ??.1,742/- ??? ???? ???. ???????????????? ???? ??? ???? ???? ??? ??, ??.21.01.2015 ???? ???????? ???????? ??????????? ???????????? ????? ????? ???????? ????????? ??.2,18,584/- ?? ???? ???? ? ????????? ????? ????? ????????? ??.22.01.2015 ?????? ????????. ????? ????????? ???? ?????? ????? ?????? ???????? ?????? ????, ????????? ??.?.??. ?? ??? 457 ? 380 ??????? ????????? ??????? ????????. ??????????? ????????? ???? ??? ???? ???? ??? ??, ???????? ???????? ???? ???.1 ????? ?????? ???????? ???????????? ?????? ?????? ???????? ???? ???.3 ?????? ???????? ???? ???? ????????? ????????? ?????? ???????? ?????? ????????? ???????? ???? ???.1 ????? ??.10.03.2017 ???? ???????????? ??????????????? ??????. 2. ??????????? ????????? ??????? ???????? ???? ??? ???? ???? ??? ??, ???????? ???? ???.1 ????? ????????? ?????? ????????????? ???????? ???? ?????? ?????? ???? ??????? ?????? ?????? ????????? ?????? ??.50,000/- ??????????????? ??? ???? ?? ???????? ???? ???. 1 ?? ???????? ???. ????? ???????? ???? ???.1 ????? ???? ???????? ???-???? ????? ?? ??????? ???????? ???? ??????? ???????? ?????????? ???. ???? ???????????????? ???????? ???????? ??.27.06.2017 ???? ????? ???? ??????? ???????? ??? ??????? ?????? ???? ????. ??????? ???????????????? ????? ?????? ????????? ???? ?????? ???. 3. ????????????? ??????? ???????? ???????? ????????? ????????? ?????? ??.50,000/- ????????? ????????? ???? ???????. ???? ???????, ?????? ?????????? ??.10,000/- ? ????????? ???? ??.5,000/- ????????? ???? ??????? ?????? ???????? ????????? ????. 4. ????????????? ?????? ???.3 ????? 9 ???????? ????????? ???? ????. ???????????????? ?????? ?????????? ???????? ???????? ????? ?????????? ???. ???????? ???????? ????? ???????? ??????????? ???????? ??? ???? ?????? ???. 14 ?? ???? ?????????? ???? ????. 5. ???????? ???? ???.1 ????? ?????? ???.14 ?? ???? ????????? ???????????? ??????????? ??????? ???????? ?????? ??? ?? ???????????????? ??????? ?????? ???? ???. ???? ??????????? ????????? ??????????? ???????? ???? ???.1 ???????? ??.11,841/- ?? ?????? ???.857009 ??.09.03.2014 ???? ??? ???? ???? ? ??? ?????? ?????????????? ???????? ???? ???.3 ??? ??? ???? ???? ?? ???????? ??????????? ????? ???? ??? ???? ???? ???. ???? ???????? ???? ???.1 ????? ???? ??? ???? ???? ??? ??, ???????? ????????? ?????? ????????? ???????? ??? ??? ????, ???????? ??????????????? ??? ???? ????????? ??? ???? ???? ????? ????????????? ???? ???????? ????????? ???????????????? ???????? ???? ?????? ???. ???????? ???? ???. 1 ????? ??????? ??.10.03.2017 ????? ????????? ???????? ???? ???.3 ??? ?? ??????????? ????? ???? ??.16.03.2016 ?? ????????? ??????????? ???????? ??????? ????. ????????? ???????? ???? ???.3 ????? ??????????? ??? ?????? ???????? ?????? ???? ???? ?? ??? ???????? ???. ???????? ???? ???.1 ????? ??????? ????? ????? ??? ???? ???? ??? ??, ??????????? ????????? ??????????? ?????? ?????? ???.857009 ??.09.03.2014 ??.11,841/- ?? ???????? ???? ???.1 ????? ???????? ???? ???.3 ???????? ???????? ??.11.03.2014 ???? ??? ???? ???? ? ??? ?????? ????????? ???????? ??????? ???? ????. ????? ??? ?????? ??..16.03.2016 ????????? ??????????? ???????? ???? ???.1 ?? ??? ?????? ?????? ???? ????????? ????? ???.?-4 ??????? ?????? ???? ??????? ?????? ??????????????? ?????-2017 ?????? ???????? ???. ????????? ???????? ??? ?????? ??????????? ??? ????, ???????? ??? ?????? ???????????? ??? ???? ???? ???????? ????? ??????????????? ????????? ????????? ????? ? ???????????? ????????? ???????? ???? ???. 1 ?? ??????? ???????? ???? ???? ???. ???? ??? ????????? ???? ??????????????????? ??????????? ???? ???? ?????? ??????????? ???????. ????? ???? ?????????? ???????? ???? ???.1 ?? ??????????? ???????? ??????? ?????? ????? ????????? ??????????????? ??????? ????. 6. ???????? ???? ???.1 ????? ??????? ???? ??????????? ???? ???? ??? ??, ???????????????? ??????????? ?????? ?????? ??????????? ??? ???? ???? ?????????? ???????????????? ??????????? ???? ????????? ????????? ???.?-4 ?? ??? ?? ???????????, ???????? ???? ????? ???????? ???? ???.1 ????? ??16.03.2016 ???? ????????? ????????? ???????? ????. ??? ?????? ???????? ???? ???.1 ????? ?????????????? ??? ??????????? ???????????? ???? ???? ?? ??????? ???? ???? ??????????? ??? ????, ????????? ??????????? ?? ?????? ?? ??????? ???? ????. ???? ???????? ???? ???.1 ????? ???? ????????? ?????? ????????? ????? ? ???????????? ???? ????????? ??? ??,???? ?????? ?? ???? ?????? ???????? ??? ??????????? ???? ?????, (Receipt valid subject to realization of cheque). ??????? ??????????? ? ???????? ???? ?????? ???? ???? ??????????? ??????????? ??????????? ?????? ??????? ?????-?? ???????? ??????????????? ???????? ????. 7. ??????????? ????????? ??????? ?????? ????????? ????? ?????? ?????? ???? ?????? ????. 1. ??. ?????????? ?????? ????, ????? ???????, II (2015) ??.??.??. 72, (????), ?????? ??????? ?? ?????? ? ???????? ????????? ???? ????????. 2. ??. ?????????? ?????? ????, ????? ???????, III (2013)??.??.??. 627, (????), ???. ???? ? ???????? ? ?????? ??? ?? ???????. 3. ??. ?????? ?????? ?????? ????, ?????, IV (2014)??.??.??. 7A, (????)(???.), ?????? ????????? ????? ? ???????? ? ??????? ?????. 8. ???? ???????? ???? ???.1 ??????? ??????? ?????? ????????? ????? ?????? ?????? ???? ?????? ????. 1. ??.????? ?????????, ?????, 1992, ?.??.??. 503, ???????? ??????????? ????? ??. ????????? - ????? ????????????. 2. ??. ?????????? ?????? ????, ????? ???????, 2017 ??.??.??. 726, ???? ?? ???????? ? ???????? ? ????? ?????. 3. ??. ?????????? ?????? ????, ????? ???????, 2009 ??.??.??.89 (????), ???????? ??????????? ????? ? ???????? ? ?????????? ??????. 4. ??. ?????? ????, ?????? 2003(1) ??.??.??. 495, ???.??. ????? ? ???????? ? ???????? ?????? ??????????? ??????. 9. ????????????? ??????, ???????, ???????? ???? ???.1 ????? ???? ?????? ????, ???? ???? ?????????, ??????? ? ????? ?????????????? ????? ?????? ??????. ?????? ????????? 1) ??????????? ??????? ???????? ??????? ?????? ??? ??? ? ??? 2) ???????? ???????? ??????????????????? ????? ????????????? ??? ???????? ???? ??? ??? ? 3) ????? ???? ??? ? ????? ???????????? - // ??????????? // - 8. ?????? ??????? 1 ?????- ??????????? ? ???????? ???????? ???? ?????? ?????????, ?????? ???.3 ? ?????? ??.19 ???? ??? ?????? ???? ??, ??????????? ? ???????? ???? ???? ??????????? ???? ??????????? ???? ???? ???? ? ???????????????? ????????? ???????? ???? ??????? ???? ???????????? ??.11,841/- ?? ?????? ???? ????. ??????? ??????????? ?? ???????? ???? ??????? ?????? ??????? ????????? ??? 2(?)(ii) ????? ???????? ??? ?? ?????? ????. 9. ?????? ??????? 2 ?????- ???????????????? ???????? ???? ???.1 ???? ???? ?????????? ???? ???? ???? ?????????? ???? ??.11,841/- ?? ?????? ???.857009 ??.09.03.2014 ?? ???? ????????? ???????????????? ???? ????????? ?????? ???.2 ???? ?????? ????. ???? ???????????????? ???? ????????? ????? ???.5-? ???? ??? ????? ???? ??, ???????? ???? ???.1 ???? ????? ?? ??? ?????? ?????????? ???.3 ?? ????????? 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(2015 ?????? ???? ????) ??????? ??? ??????????? ???? ???? ????? ???.5, ??.10.03.2017 ????? ??????? ???????? ???? ???.1 ???? ????? ???????? ???????????????? ???? ???? ???? ??????? ??? ???? ???????? ???????????????? ????????? ???? ?????????? ?????? ???? ???? ????? ??????? ??? ??? ???????? ?? ????? ?????? ???? ? ????????? ??????? ???? ?????? ????. ????? ??????? ???????????????? ???? ??????????? ???? ???? ???? ???? ??????? ???????? ???? ???.3 ?? ?? ???? ???? ???? ??????? ??????????????? ?????? ????? ???? ????????????? ???? ?????? ????????? ?????? ????. ??????? ???? ??????????? ?? ??? ????? ??????? ???? ????? ????? ???. - // ????? ???? // - 1. ????????????? ?????? ??????? ????? 1986 ?? ??? 12 ??????? ???? ???????? ???? ???. 1 ? 3 ?????????? ?????? ????? ????? ????????? ????. 2. ???????? ???? ???.1 ????? ???? ??????? ??????????????? ???? ????????? ?????? ??.50,000/- ?????? ???? ??.15.09.2017 ????? ?? ?????????? ???????????? ?.??.?.??. 9 ????????? ??????. 3. ???????? ???? ???. 1 ? 3 ????? ??????????????? ????????? ???????, ?????? ?????????? ??.5,000/- ? ????????? ???? ??.1,500/- ??? ?????. 4. ???? ???? ???.2 ?? ?????????? ???????? ???? ???. 1 ????? ????? ? ???? ???.3 ?? ??????? ?????????? ???????? ???? ???. 1 ? 3 ????? ???????? ???? ??????????????? ??????? ???? ??????????? ???????????? 30 ???????? ?? ?????. 5. ???????? ???? ???.2 ?? ?????? ???.16 ???? ?????????? ????????? ??? ??????????? ???????? ???????? ???? ???? ????. 6. ??????? ???????? ??????? ????? ???? ?????????? ??????. 7. ??????????????? ????????? ??? ? ??? ???? ??? ?????. [HON'BLE MS. Roza F. Khobragade] PRESIDENT [HON'BLE MR. Sadik M. Zaveri] MEMBER