Punjab State Federation Of Cooperative House Building Societies Ltd. v. National Consumer Disputes Redressal Commission And ANR
!"
"#!$ %&'&'(&()
.123&3.(&()/ 4
"
%
*%!$ %15&'(&()
34 5
!"
# +, (* 66666
-
$%$&&$&'( ( )
+
)
*
+
& & )
+
2
+(
+
(
! !. &
"
+ )
)
%%$ %',
++ 5
* +-
5 *7
%$/0
##$1&$$1/%%!0* *"! .(4 1
"
+
/,(*
) ) 2)
1#$#&$$' )
-2- &1$&&$$' /%%!0*"! .64
&
&$$&&$$' )
*
&'$1&$$' /%%!0*"! .)4 '
+
+ 5 *(
)
"
+
"
+
#,$%&$$0
2
+
+
) # #$8
( ) )
<
9 ) :
+
+1#$/&$$0) +)
)
9
)
&
&/$0&$$0 ) )
2
+
)
$'$/&$$0 %
) (
( )
&
#'$/&$#'
'
) $1$0&$#'
&
) )
#0, ;
) ) +
#'$/&$&'/%%!0*"! 54
& +
)
$'$,&$#'
/%%!0*"!
.74
-30
&
2
+
)
=
) )
+ +
#0$#&$#, , /%%!0*"!
.1(4 /
+
)
+
&
+ )
) ) ))
$%$&&$&'/ %%!0*"! .14 "8*9!%
:; ! < < %!". >
) *
+
&
)
+'&$ +
+ +
+ )
+( ) +
+
+ ,
) * ) * * +
*
+ )
( (
(
) ) ) )
@
?
'# 1*
( #,$>
-4- *
+ + +
)
9
( )
+ * * +
#$ 9
(
A
8%$!!@ @
" <
% % # , $# = ! %
/(&&(41)52 B
=
+
)
+ (
) C
. +
% "9:<?= "B
%$" <"!% # ! %$
!"
(&1( %,<%!
21'>
" % %$ "
# <"!%$!" <%8 %"
(&12 %,<%!
16)'>
*"
9 # !
9
(&17 /(4 4
1&73
"< * *"< %B"
!"C!!%" # ?" *%<<@A "@ " < % "
1''7 %,<%! A 6 )
) :
+
A
8%$!!@ " <
%/*@"4 ) ##
+
-5- % <$!"
< %. #& 9 +=
*
+
)
+ +
)
)
+D #1
+
( )
(
&'##&$&1
) 2 +
) )
:"
) 2
9
:
!"
!
!
!!
"!!
#
$ %
& "
#'
# ! (
"
)!! #
!'
* !
01 $ %'
$ %'
$ %'
*$ % %'
%$ %'
#$ %'
$ % %
+)$#$ #'
$ #'
$ #'
$ #'
$ $ #'
,$ #'
,$ #'
$ #'
$ #
( -.
"
/ . " +
-6- )!
.
! '
"
!
!!'
2
03
#' A
#<%$!" A A ! 8A %"# "
@ !!A
AA<%8 <AA # , $ "
/(&&(46 123
+
+
(
)
9
:
) )!" * "0 ! (!!
! 4
5 )
!
6
! '
!!
!0 "0 -
!.
"( ! "
"
) '
#%% - ! "(
!
! 7" (".
!.'
"
- !.
!
.
!
! 7"'
!.
- !
'
!!.'
"
!.'
+
- !
'
(!
!
"
) '
# #%% (!!
!
! "0
0 ("
!
'
" - '
"'
" - ("
!
! 7"
-7- - ! !
-"!
! ! -"!
! ( !
"(
! "
!
!
( ("-.
!
(
!. 6 0( " '
( !
" 2 !! !!.
("
!
!.
!.
"
( 2
("
0!
2
#% *
%$"C!!
<%8 #
!@* ; < <"!
" %
A<$ < % %$ $ "
(&1) %,<%!A AA(23) 2 )
?
'#
1*(
+
+
+
(
+ +
9 :
)!" # 8 9
:! ,) 0!
'
#%'
" '
(" "
"
0 9
:
:! ,) '
4
4 9 0 ;! " '
=#*>
4:
%
5$ <" 4 "
0
" ) 4 ## 4
4 %# => " ! 0(
0 !
. 4 5 ) '
#, ? ! '
!
!
(" !
- ) @ !
0
0
! 4 4
-8- 8 !
0 ) ("
< !.'
)6:
:
#* 4 ,'
A!0 !
4"
!
0 4!
:!!
<!! => 5 )6:
4
.
5 0 B!
;"
" 4 B'
)6:
, 4
,,'
" C !
)- 0 AA'
#*
=4!> >
:A '
"! !
" -
! " "!!
#0 * "
@ <!#< < # "$
!#!%*! "
( (&17 %,<%!AA633'
+ + (
+
:
)!" 5 !
" !
= ,> :A
=62 4 "
0 AA B"> >
! "
# '
"'
-
" DE
8 9
:! ,) 0!
'
#%'
" '
(" "
"
0 9
:! ,) '
4
4 9 0 ;! "'
=#*>
4:
:
% 5$ <" 4 "
0 " )
4 ## 4 4 %# # => " !
0(
0 !
. 4 5 ) '
#, ?
! '
!
-9- ! (" ! -
) @ !
0 0
! 4 4
8 0 )
("
< !.'
)6:
#* 4 ,'
A!0 !
4"
!
0 4!
:!!
<!! => 5 = >
, 4 )6:
4
.
5 0 B!
;" 4 B'
= ,> 4
)6:
, 4 ,,'
'
" C!
)- 0 AA'
#*
=4 !> :A '
"!
!
"
-
! " "!!
3
5 4
!
- ! " (
!
" - " ( !
4-A0!
9 "!
"
!
0
" ! !
! 4
!
"0
'
0(
- 4-A0!
-109
0
(""
" ) !( ! ( = > >
, 4 = > ) )6:
=4>
=A0 !
4"
!
0 4!
:
:!!
<!! 0 5>'
= > >
4 # )6:
=4> ## =8"
!
0 ;(
5!>
= ,> :A
=62 4 "
0 AA B"> (" " 4
"!!
"
!. 7"
"!!
( ("
"
( ! -.
'
6 A0'
"
"!!
("
"
.
" 7!!
? "!!
0
.
?
#/ +(
)
+
) ( .
+
D< <8< E !A "! , $ "!
F*9" !"9 "
(&(( %,<%! 2)1( )
(
+ )
9
:
)!"
4 ?
! '
!
(!!
'
"
!.
" - !
-.
0( <$ F 1 !"
5 .
-2 "
(
-11- !
( " '
2
.
"
"!!
0( (
2 9
! (
" '
( @0
"( " 2
8 "'
( !
" -
-.
!
(" ( ) ! $ *
- -.
!
!"
< (
" '
( ( !!
2 '
0
! !.
0!
*2
(
<# $ # $$A AA!
"%$
!"
1'
''3 %,<%! 11'
+
( )
+)
9
:
) )!"
6
!
* *% %% ( !
! 9 !!( "
" !
!
-12- -
%% % 6 (!!
! 0 - -.
!
" 0
! ".
!
$ 0
'
(!!
!
. 7" ! ! (
-.
! !
! (
#> 9
( 2
?
&'##&$&1
) 2
+
+
)
+
+ ) )
+
& +
B C
#, % * * (#,01
:
)
B C
A
9!8 ?$ # @A ,%$ $ G*< < < % % <!"
/1'774( 1)()
E
-13- )F A(
+
@ )
+
2
) +
:
"
"
) (
2
+ ( )
)
) )
(
: F A
%
+
+
=
) )
2
+
2
+9 ))
+ )
!
6 ! (" "
B0 .
"
. " (" "
"'
"'
6
! - " -.
B0 ! "
"
!'
0!!.
G - ("'
! !.'
-! 7"
B0 !! 0 !
" "
0 0 0!
HHH
*
7"'
("'
! '
I / 4 '
"'
"'
(" ! !
2 !
0 '
-14- " (" "
! "
"
"
0 B0 !
0- !!.
!( -'
".
'
-.
-! !
"
)
! '
"'
-!
6 "!.
" (" -
-!.
B0
"0 I !! !.
2/ A
" !
0 !
'
("
-! ! .
2 !
"
! 6 (!'
"'
!
0
0 "
"
!!
"
! 0.
0 !
!
!
3
9 ( B C + ) + +
@
+ +
) ) - )
+ + B
+C B
C 9
: B C
% *
@ B C)
+
+(
: +
:
=
)
+
?+
-15-
9
: B C
+
+ + )
@ AA!
"- ,%$ $ G*< < < %-%% %8#
F <C<
1'75 5 1626 A
G ,
JJJJJJJJ7"
3
!. -.
! !
?!.
! -!
!.
!(
!
(" "
"
-0 2 "
" -
!
6
(!
" " -
2-!.
!-!
"
"
" 8
"0 ! ( ( !!
"
" ". ) "
!-!
"
!
!1 "DE
9!.
! - -.
!
!
!
:
!.
!
-
"( 0.
""!
2 -
) " ("
" " "
" "
(!
"
,
@0.
./
!3
"
"!
".
0.
"/ !.'
0 .
/ !.K 7"
! !
-16-
" -!
2 " !
"
"'
-!
2 0 "
!
"0 0
" 2 -
- !- !.
7"
!-!.'
!-! ! '
! ) !
- -.
!. 6 "
6
" 2 .
( ! !1 2 " !
- - -! 0
2
?
+
)
+ +
)
)
+
9
+
+ )
&$ 4
) (
&'##&$&1 1
+
)
+ 2
9 + = ) )
+
.
(
+
2
+
(
-17- &'##&$&1
:"
(
= )
&'##&$&1
&#
( =
+ )
)
)
+ + +
+
( ) +
&& 9 2 +
+ + )
+
9
)
)
+ + ( )
+
( )
+ (
2)
4 )(
+ +(
+
+
* (
+ +
)
)
)
9
)
+
+ + :
+ +
+
@ +
+ + <%
$< 9<
!$< / 4 15&'(&() < !
4 "
2<
!
! I < I <