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Abharan Jewellers

This is a discussion on Abharan Jewellers within the Judgments forums, part of the General Discussions category; IInd ADDL. DISTRICT CONSUMER DISPUTES REDRESSAL FORUM, BANGALORE URBAN No.1/7, Swathi Complex, 4th Floor, Seshadripuram, Bangalore-560 020 consumer case(CC) No. ...

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    Default Abharan Jewellers


    IInd ADDL. DISTRICT CONSUMER DISPUTES REDRESSAL FORUM, BANGALORE URBAN

    No.1/7, Swathi Complex, 4th Floor, Seshadripuram, Bangalore-560 020

    consumer case(CC) No. CC/2473/2008

    Sri G.K. Amarnath
    ...........Appellant(s)
    Vs.

    M/s. Abharan Jewellers,

    The New India Assurance Co., Ltd.,
    ...........Respondent(s)

    BEFORE:

    ORDER


    COMPLAINT NO: 2473 OF 2008 G.K. Amarnath No. 123, 34th Cross Jooganahalli Rajajinagar Second Stage Bangalore 560010 Complainant


    V/S

    1. M/s. Abharan Jewellers 192, Mahalaxmi Layout West of Chord Road Opp. ISKCON BANGALORE 560086 Rep. by its Sales Manager 2. The New India Assurance Co. Ltd. Divisional Office, 5th floor DJC (Vokkaligara Sangha) Building Hudson Circle, Bangalore 560027 Represented by its Divisional Manager Opposite Parties


    ORDER By the President Sri. S.S. Nagarale

    This is a complaint filed under section 12 of the Consumer Protection Act. The facts of the case are that complainant purchased gold bracelet for Rs. 31,810.45 from Abharan Jewellers and same is covered by insurance of the second opposite party under master policy. All risk insurance policy is taken for Rs. 31,800/-. On 02.06.2007 between 18.30 p.m. to 19.30 p.m. unknown culprits had committed theft of the said bracelet and other items of complainant. Case was registered on 04.06.2007 in J.L.PS in crime No. 32/07 for the offence punishable under section 379 of the IPC. On 12.06.2007 complainant had made representation to the opposite party No. 2 claiming insurance amount. Opposite party No. 2 sent reply to furnish closure of the said case and furnished final order of the court. On 04.10.2007 complainant has furnished ‘C’ report to opposite party No. 2. Even after submitting all the documents the second opposite party has not cared to allow the claim. Complainant sent legal notice. Notice was not replied. There is deficiency of service on the part of the opposite party No. 2. Hence, the complainant filed complaint requesting to direct the opposite party No. 2 to pay the insurance amount of Rs. 31,800/- with interest.


    2. Notice issued to opposite parties. Opposite party No. 1 Abharan Jewellers is a formal party. Infact he is not necessary party to the present proceedings. Opposite party No. 2 appeared through advocate and defence version filed admitting that opposite party No. 2 had issued certificate of insurance covering risk of bracelet. Policy was issued under certain terms and conditions. Complainant reported the theft and furnished the documents. It is also true that complainant has caused legal notice. Opposite party No. 2 has replied on 24.10.2007 repudiating the claim. Complainant is a prudent man had not lodged complaint to the police immediately on notice of loss of jewellery. He has lodged the complaint to police on 04.06.2007 which shows gross negligence on the part of the complainant. Complainant had kept the jewellery in petrol tank cover of 2 wheeler vehicle which has not secured by any doors or windows. It amounts to willful exposure to risk. Hence, opposite party No. 2 rightly repudiated the claim. The opposite party prayed to dismiss the complaint.


    3. Affidavit evidences are filed.



    4. Arguments are heard.


    5. The points for consideration are: “1. Whether repudiation of claim by opposite party No. 2 is justified? 2. Whether the complainant is entitled for the claim amount?


    REASONS


    6. This is a very simple case of claim submitted by the complainant for Rs. 31,800/-. It is admitted case of the parties that the complainant having purchased gold bracelet for Rs. 31,810/- from Abharan Jewellers under Tax Invoice dated 02.09.2006. The complainant had insured the said jewellery with the opposite party No. 2 under Master Policy No. 9845420382. The period of insurance was for 12 months from 02.09.2006 to 01.09.2007. Sum insured is Rs. 31,800/-. Abharan Jewellers is not liable in case of any claims. It is the case of the complainant that he had kept the bracelet in his two wheeler petrol tank cover on 02.06.2007. He has parked his vehicle near Jayalakshmipuram Medical shop and went to Lakshminarayana temple and when he came from temple he noticed the theft of jewellery and Rs. 300/- cash and key bunch. He lodged complaint to the Jayalakshmipuram police on 04.06.2007.

    The complainant has produced copy of FIR, copy of complaint. The police submitted final report to the JMFC court, Mysore. Complainant had put up his claim with the insurance company on 12.06.2007. The opposite party No. 2 by letter dated 20.06.2007 asked the complainant to produce final investigation report from police. Copy of letter of opposite party is produced. The complainant produced another letter of opposite party No. 2 dated 28.09.2007.

    The opposite party No. 2 again had asked the complainant to produce final report from the police and closure of case as undetectable. In the said letter it is stated that it is not possible to keep the file open for indefinite period. The complainant in pursuance of the letter of opposite party No. 2 has submitted final investigation report of the police to opposite party No. 2 by letter dated 04.10.2007.

    The copy of letter is produced. Since opposite party No. 2 has not allowed the claim the complainant got issued legal notice through the advocate dated 25.07.2008. Copy of notice was produced along with postal acknowledgements. It is the case of the complainant that legal notice has not been replied by the opposite party No. 2. The facts stated in the complaint shall have to be accepted as true and correct because the opposite party No. 2 has not produced copy of reply notice or any acknowledgement to show that the legal notice had been replied suitably.


    Therefore, it is clear that legal notice sent by the complainant has not been replied. Therefore, complainant was forced to file the complaint. It is argued by the learned counsel for the opposite party No. 2 that the incident was taken place on 02.06.2007 and complainant had lodged complaint on 04.06.2007 which shows gross negligence on the part of the complainant. It is true that the complainant has made two days delay in filing complaint.

    This delay is not inordinate delay. Sometimes under cover of ignorance or lack of knowledge parties do commit delay in reporting matter to the concerned parties. In this case the complainant had lodged the complaint to the police after two days of the theft. This delay can be condoned. The police after investigation submitted ‘C’ final report to the Magistrate Court, Mysore since the case gone undetected. Complainant submitted all the papers including final report to the police. The opposite party No. 2 could have considered the claim as the theft had taken place during period of validity of policy. The only objection taken by opposite party No. 2 is as per the exclusion clause (6) theft from any car except car of fully closed salon type having at the time all the doors, windows and other openings securely locked and properly fastened claim is liable to be allowed. In this case the theft has not taken place from the car as stated in Clause (6) of the exclusion of the policy. The theft of jewellery had taken place from the leather cover of two wheeler of the complainant. Therefore, the question of enclosed saloon type having at the time all the doors and windows do not arise at all. In the exclusion clause nothing is mentioned in respect of theft that would take place from two wheeler vehicle.

    Therefore, in the absence of any clause or condition in the policy certificate excluding claim the opposite party No. 2 cannot repudiate the claim. If there are two opinions possible in a given case an interpretation which is suitable or beneficial to the beneficiary shall be given effect. Since almost all facts are admitted in this case all risks insurance policy is in force and the complainant having lost the jewellery from his two wheeler vehicle and police submitted ‘C’ final report, under these circumstances the opposite party No. 2 shall admit the claim and pay the insurance amount.

    It is not the case of the opposite party No. 2 that the complainant lodged a false complaint to the police in order to make wrongful gain. On the facts and circumstances of the case also it cannot be presumed that the complainant purposefully filed the false complaint to the police in order to get insurance amount from the opposite party No. 2.

    Therefore, in the absence of any allegation or fraud claim put up by the complainant appears to be genuine and opposite party No. 2 could have accepted the claim. The repudiation of the claim is unjustifiable on the facts of the case. Therefore, it amounts to deficiency in service on the part of the opposite party No. 2.
    In the result I proceed to pass the following:


    ORDER


    7. The Complaint is allowed. The opposite party No. 2 is wdirected to pay Rs. 31,800/- to the complainant within 30 days from the date of this order. In the event of non-compliance of the order within 30 days the above amount carries interest at 10% p.a. from the date of this order till payment / realization. Parties to bear their own costs.
    Regards,
    Admin,

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  2. #2
    adv.sumit is offline Senior Member
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    Default Abharan Jewellers

    Sri. C.Nanjundappa

    S/o. Late Channaveerappa Shetty

    Aged 75 years

    Residing at Old Uppally

    Indavara Post

    Chikmagalur Tq and Dist.

    R/by his PA Holder

    C.N. Shanthakumar

    S/o. C.Nanjundappa

    Age 49 years







    V/s





    Opposite Party:





    Abharan (Jewellers)

    192, Mahalaxmi Layout

    West of Chord Road

    Opposite:ISKCON

    Bangalore-560 086

    R/by its Manager









    O R D E R







    The grievance of the complainant in brief against the Opposite Party (Op in short) is that he visited the Op Jewellery shop on 25/06/2008 and purchased a ring of 22 CT purity weighing 7.110 gm at Rs1,182/- per gm by paying a total sum of Rs.10,500/-. Within 15 days, after purchase of the ring it lost its shining and was looking like an old ring. On 11/07/2008, he brought it to the notice of the Op who received it and delivered it on 13/07/2008 by applying a coat of polish and assured that shining will not deteriorate. The ring thereafter also started deteriorating and lost its shining and he noticed scratches in the ring giving an impression as few years old. Therefore, he believed that the ring sold by the Op to him was a used one. When he got issued a legal notice on 08/08/2008 calling upon the Op to refund the ring value of Rs.10,500/- the Op has not responded. Therefore, he has prayed for a direction to the Op to refund the value of the ring Rs.10,500/- with interest @ 18% p.a calling the action of the Op as deficient for having not repaid the ring value.



    The Op has appeared through his advocate but has filed his version without the signature of his counsel. In the version, the Op has contended that the complaint is not maintainable. Denied all other allegations of the complainant except the fact that the complainant has purchased a ring from him on 25/06/2008 by paying a sum of Rs.10,500/- as detailed by the complainant with regard to the quality and quantity of the Ring. The Op has further contended that he has entered into the scheme for certification of the gold jewels fineness and has obtained BIS license for dealing in hall marking of the gold jewels by paying requisite fee. He has further contended that the ring sold to the complainant was a hall marked ring having hall mark identification which was certified by BIS hall mark centers and therefore he denied the contention of the complainant that ring sold to him was an used one or second hand and further stated that the complainant is not maintainable for not making that hall mark centre as one of the parties to the complaint and hence prayed for dismissal of the complainant.



    The complainant is represented by a Power of Attorney Holder. His Power of Attorney Holder has filed his affidavit evidence by reproducing what is stated in the complaint. One Sudheendra Kalkura has filed his affidavit evidence on behalf of Op reiterating what is stated in the version of the Op. The complainant has produced a copy of the invoice, issued by Op when the ring was sold, a copy of the acknowledgment issued by the Op when the ring was given to them for polishing with a copy of the legal notice he got issued to the Op. The Op has produced copies of scheme for certification of gold jewel for fineness marking as per the scheme, procedure for scheme of testing and inspection license issued by the hall marking authority in dealing with the gold jewels with Bureau of Indian Standard.



    Heard the counsel for both the parties and perused the records. On the above contentions, following points arise for consideration.



    1) Whether the complainant proves that the Op has adopted unfair trade practice or is deficient in his service by selling a used or second hand golden ring.

    2) To what relief the complainant is entitled to?



    Point No.1 : In the Negative

    Point No.2 : See the Final Order



    Answer for Point No.1



    As evident from the contentions of both parties, we do not find any dispute with regard to the complainant purchasing a gold ring of 22 CT purity weighing 7.110 gm for a total cost of Rs.10,500/- from the opponent. The complainant has contended that the ring so purchased lost its shining and it was appearing like an old one, though he used it with all care.


    It is further contended by him that on 11/07/2008 he gave the ring to the Op who polished it and returned on 13/07/2008 but again the ring lost its shining and he noticed scratches on the ring and therefore claiming that the ring sold to him by the Opponent is a used one or an old ring and has come up with this complaint claiming refund of the value of the ring. Whereas the opponent denied all these allegations but admitted to had polished the ring once at the instance of the complainant by further contending that he is dealing in jewels as a licensed dealer under BIS hall marking scheme and has further denied all the allegations of the complainant including he has sold a used ring and that ring contain scratches.



    Admittedly, the complainant has not complained anything about the quality of the gold used for making the ring or anything about the weight of the ring. The complainant has not disputed that the gold ring sold to him is of 22 CT purity and it weighs 7.110 gm. Both these points are not at all in dispute. It is also not the grievance of the complainant that the OP has charged him excessively by collecting more value of the gold than it was prevailing as on date of purchase.


    The only grievance of the complainant as it is emerging from the facts of the case is that ring lost its shining within short span of purchase and it contained scratches. It is common knowledge that the jewels after making or polished will have glittering shining when they are in the Jewellery Shop. After started using the Jewel, in due course the glittering polish may look dim but the purity of the gold will not change. Therefore people who wants glittering shining of the jewels they wear they may have to get the jewels polished as and when they desire.


    Therefore, merely because the glittering polish faded away within short span of time that can not be a ground for filing a complaint of this type unless the complainant proved that the jewel sold to him is of a low quality or purity and that jewel sold to him is weighing less than the weight shown by the dealer in the bill. Some time, the fading of colour of jewel depends upon the users also. In order to prove that there are scratches on the ring, the complainant has not produced any expert opinion, certificates or view that any such scratches were there when the ring was sold to the complainant. Therefore, in the absence of such opinion or the materials to prove that the ring sold to the complainant contained scratches at the time of sale and it was a old ring the Op can not held as deficient or is practicing unfair trade practice in the course of business.


    Therefore, the allegations of the complainant can not be heard. In the absence of proof of short coming of the Op it can not be held that the Op has sold a old ring. Further, the claim of the complainant that the ring sold has hall mark is not rebutted, that being so we find no merits in the complaint and therefore by answering point number one in the negative, we pass the following order.



    O R D E R



    Complaint is dismissed.



    Parties to bear their own cost.

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