State Consumer Disputes Redressal Commission Shalini Goyal vs India Bulls & Others on 9 October, 2020 1 jkT; miHkksDrk fookn izfrrks"k vk;ksx] cSap la 1] jkt0] t;iqj ifjokn la[;k %& 94@2020 Shalini Goyal W/o Sh. Anish Goyal R/o Plot No. 294, Gomes Defense Colony, Vaishali Nagar, Jaipur 302021 ifjokfnuh cuke 01 India Bulls Through the Branch Manager, Plot No. o12, Ground Floor Ashok Stambh, CScheme, Jaipur 302001, Rajasthan 02 India Bulls Commercial Credit Limited Regd. Office M 62 & 63, First Floor, Connaught Place, New Delhi 110001 03 IVL Finance Limited, M62 & 63, First Floor, Connaught Place, New Delhi 110001 04 India Bulls Head Office India Bulls House, 448451 Udhyog Vihar, Phase V, Gurugram 122001, Haryana 05 India Bulls Corp. Office India Bulls Finance Centre India bulls House, Tower 1, 17th Floor, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013, Maharashtra foi{khx.k le{k % ekuuh; dk;Zokgd v/;{k ekuuh; Jherh 'kksHkk flag] lnL; mifLFkr %& ifjokfnuh vf/koDrk Jh fgrs'k dqekj tfj;s ohfM;ksdzkWQasflax 2 fu.kZ; fnukad%&09 vDVwcj] 2020 jkT; vk;ksx jktLFkku t;iqj }kjk Jh dey dqekj ckxM+h ;g ifjokn Shalini Goyal dh vksj ls India Bulls and ect. ds fo:) bl vk;ksx esa fnukad 01102020 dks is'k fd;kA x`g.kkFkZ ifjoknh vf/koDRkk dh cgl lquh ,oa ikoyh dk voyksdu fd;kA ifjokfnuh xks;y ,lksfl,V~l dh ekfyd gS mlus foi{kh ls 1 djksM+ 20 yk[k :i;s] 35 yk[k 35 gtkj :i;s o 4 djksM+ 36] yk[k 65 gtkj :i;s dk _.k fy;k rFkk bl _.k dh flD;ksfjVh isVs lEifRr fxjoh j[khA 1 djksM+ 20 yk[k :i;s] 35 djksM+ 35 yk[k :i;s 144 fd'rsa Fkh] 4 djksM+ 36] yk[k 65 gtkj :i;s dh 180 fd'rsa FkhA ifjokfnuh dh fcuk lgefr ds ;g fd'rsa dze'k% 380] 398 o 370 dj nh x;hA ifjokfnuh us bu _.kksa ds isVs tks jkf'k tek djok;h og T;knk C;kt esa lek;ksftr dh x;h ewy esa de uke ek dh lek;ksftr dh x;hA tc fd ifjokfnuh dh fd'rksa dk le; c<+kus dk dksbZ m)s'; gh ugha Fkk ifjokfnuh us foi{kh dks yhxy uksfVl fn;k ftldk iSjk 1 fuEu izdkj gS%& "That our client is a proprietor of M/S Goyal Associates, which is registered under a MSME (Micro Small and Medium Enterprises) and has availed two Loan Against Property (hereinafter referred as "LAP") form the branch of you the Notice No. 1, against Plot No. 294, Gomes Defence Colony, Vaishali Nagar, Jaipur 302021". ifjokn dk iSjk 1 fuEu izdkj gS%& "That the Complainant herein is the proprietor of M/S Goyal Associates who has availed three Loans Against Property of Rs. 1,20,00,000/, Rs. 35,35,000/ and Rs. 4,36,65,000/ from the Opposite Parties on interest. As such, the Complainant is a Consumer within the meaning of the Consumer Protection Act, 2019 ('the Act') bu nksuksa iSjkt dk voyksdu djus ls ;g rks Li"V gS fd ;g _.k xks;y ,lksfl,V~l ds uke ls fy;k x;k gS rFkk blesa ;g dgha vafdr ugha fd;k x;k 3 gS fd ifjokfnuh thfodksiktZu ds fy, O;olk; djrh gS] rFkk bruh cM+k _.k gS fd thohdksiktZu ds fy, ekuk Hkh ugha tk ldrk uksfVl esa Micro Small and Medium Enterprises vafdr gS] tks O;kolkf;d m)s'; ds fy, gSA miHkksDrk laj{k.k vf/kfu;e 1986 dh /kkjk 2 (d) fuEu izdkj Fkh %& (d) "Consumer" means any person who, (i) buys any goods for a consideration which has been paid or promised or partly paid and partly promised, or under any system of deferred payment and includes any user of such goods other than the person who buys such goods for consideration paid or promised or partly paid or partly promised, or under any system of deferred payment, when such use is made with the approval of such person, but does not include a person who obtains such goods for resale or for any commercial purpose; or (ii) [hires or avails of ] any services for a consideration which has been paid or promised or partly paid and partly promised, or under any system of deferred payment and includes any beneficiary of such services other than person who [hires of avails of] the services for consideration paid or promised, or partly paid and partly promised, or under any system of deferred payment, when such services are availed of with the approval of the first mentioned person [but does not include a person who avails of such services for any commercial purpose]; [Explanation For the purpose of this clause, "commercial purpose" does not include use by a person of goods bought and used by him and services availed by him exclusively for the purposes of earning his livelihood by means of selfemployment;] rFkk mi