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Consumer Protection Act, 1986 — Section 2(1)(g) — Deficiency in service — Manufacturing defect — Vehicle purchased with manufacturing defect — State Commission awarded refund of purchase price and compensation — High Court modified the order, directing refund of the principal amount without interest or compensation, citing the complainant’s refusal to accept a replacement engine — Appeal partly allowed Consumer Protection Act, 1986 — Sections 21, 22 — Medical Negligence — Burden of Proof — Complainant failed to discharge the burden of proving medical negligence by leading cogent and convincing evidence — Mere assertions or affidavits are insufficient — Dismissed Consumer Protection Act, 1986 — Section 21(b) — Revisional Jurisdiction — Limited scope — Cannot be invoked for setting aside orders based solely on appreciation of facts. Consumer Protection Act, 1986 — Section 2(1)(d)(ii) — Definition of “Consumer” — Commercial Purpose — Bank Guarantees availed for the purpose of facilitating profit generation in a business transaction are not considered to be for a commercial purpose that excludes them from the definition of a consumer under the Act, especially when the dispute concerns the refund of commission for unutilized periods of such guarantees — The dominant purpose test applies, and the specific nature of the dispute regarding service charges makes the complaint maintainable — The interpretation of “commercial purpose” should not exclude disputes related to service charges for financial facilities. Housing Finance — Loan Disbursement — Due Diligence — The National Consumer Disputes Redressal Commission emphasized that while a housing finance company (HFC) has a duty to exercise due diligence, borrowers also have a responsibility to exercise reasonable care and circumspection when availing home loans, especially in builder-linked projects with potential delays or issues — The Commission found that the borrowers had already booked their flats and made initial payments before approaching the HFC for loans, negating claims of reliance on alleged assurances from the HFC — The HFC disbursed loans based on the borrowers’ proposals and submitted records, and could not be held liable for the developer’s subsequent defaults.

Arbitrator—Appointment of—Enquiry by the Court must confine itself to the examination of existence of an arbitration agreement—No more and no less Arbitration Agreement—Non-signatory to Agreement—Cannot be made party to proceedings merely because it being constituent to group of companies to which one of the company of group is signatory

2019(3) Law Herald |SC) 2110 : 2019 LawHerald.Org 1336 IN THE SUPREME COURT OF INDIA Before Hon’ble Mr. Justice A.M. Khanwiikar Hon’ble Mr. Justice Ajay Rastogi Petition for Arbitration (Civil)…

Food Adulteration—Report of Public Analyst—Not proved to be served to accused—Mere dispatch of report is not sufficient—Accused acquitted Food Adulteration—Taking of Sample—Sample of Milk—Proper stirring of milk to make it homogenous mixture before taking sample not establlshed–Accused acquitted

2019(3) Law Herald (SC) 2159 : 2019 LawHerald.Org 1344 IN THE SUPREME COURT OF INDIA Before Hon’ble Mrs. Justice R. Banumathi Hon’ble Mr. Justice A.S, Bopanna Criminal Appeal No. 1167…

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