National Consumer Disputes Redressal Commission Dismisses Bank's Second Appeal as Barred by Limitation Due to Unexplained Delay of 191 Days. Grounds of administrative delay and election duties held insufficient to condone delay under Section 67 of Consumer Protection Act, 2019.

Tribunals: National Consumer Disputes Redressal Commission
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Case Note & Summary

The case involves a second appeal filed by Jila Sahkari Kendriya Bank Maryadit & Anr. (appellants) against an order dated 13.08.2024 of the Madhya Pradesh State Consumer Disputes Redressal Commission. The State Commission had allowed the appeal of Respondent No.2 and directed the bank to pay the insurance claim to Respondent No.1/complainant. The bank filed the second appeal before the National Consumer Disputes Redressal Commission with a delay of 191 days. In the application for condonation of delay, the bank stated that the certified copy of the impugned order was received by the local counsel on 27.08.2024, after which the matter was sent to the head office for deliberation and approval. Further time was taken to identify suitable legal counsel, and it was also mentioned that the District Collector, who is the head of the appellant organization, was busy with elections. The Commission examined these grounds and found that they do not constitute sufficient cause for condoning the delay. The Commission noted that the reasons cited were internal administrative delays and routine procedural hurdles, which are not beyond the control of the appellant and do not justify such a long delay. Consequently, the application for condonation of delay was dismissed, and the second appeal was dismissed as barred by limitation.

Headnote

A) Limitation - Condonation of Delay - Sufficient Cause - Consumer Protection Act, 2019, Section 67 - The appellant bank filed a second appeal with a delay of 191 days. The grounds for delay included internal administrative procedures, time taken to identify counsel, and the District Collector's engagement in election duties. The Commission held that such grounds do not constitute sufficient cause for condonation of delay, as they are not beyond the control of the appellant and reflect lack of diligence. The application for condonation was dismissed, and the appeal was dismissed as barred by limitation. (Paras 1-3)

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Issue of Consideration

Whether the grounds stated in the application for condonation of delay constitute sufficient cause to condone the delay of 191 days in filing the second appeal.

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Final Decision

The application for condonation of delay is dismissed. Consequently, the second appeal is dismissed as barred by limitation.

Law Points

  • Condonation of delay
  • Sufficient cause
  • Limitation
  • Consumer Protection Act
  • 2019
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Case Details

2025 LawText (NCDRC) (01) 17

Second Appeal No.157 of 2025

2025-04-23

Binoy Kumar, Saroj Yadav

Jila Sahkari Kendriya Bank Maryadit & Anr.

Geeta Bai & Anr.

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Nature of Litigation

Second appeal against order of State Consumer Disputes Redressal Commission directing bank to pay insurance claim.

Remedy Sought

Appellants sought condonation of delay of 191 days and setting aside of the State Commission's order.

Filing Reason

Appellants filed second appeal with delay, seeking to challenge the State Commission's order allowing the appeal of Respondent No.2 and directing payment of insurance claim.

Previous Decisions

State Consumer Disputes Redressal Commission, M.P. allowed the appeal of Respondent No.2 and directed the bank to make payment of insurance claim to Respondent No.1/Complainant.

Issues

Whether the grounds stated in the application for condonation of delay constitute sufficient cause to condone the delay of 191 days in filing the second appeal.

Submissions/Arguments

Appellants argued that the delay occurred due to internal administrative procedures, time taken to identify counsel, and the District Collector's engagement in election duties.

Ratio Decidendi

Grounds such as internal administrative delays, time taken to identify counsel, and engagement of the head of the organization in election duties do not constitute sufficient cause for condonation of delay, as they are not beyond the control of the appellant and reflect lack of diligence.

Judgment Excerpts

Evidently, such grounds cannot be taken as sufficient cause for condoning the delay and therefore, the Application for condonation of delay is not allowed. Accordingly, the Second Appeal is dismissed as barred by limitation.

Procedural History

The State Consumer Disputes Redressal Commission, M.P. allowed the appeal of Respondent No.2 and directed the bank to pay the insurance claim. The bank filed a second appeal before the National Commission with a delay of 191 days. The National Commission dismissed the application for condonation of delay and the appeal as barred by limitation.

Acts & Sections

  • Consumer Protection Act, 2019: Section 67
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