20-04-20171OS.No.70/16
IN THE COURT OF THE PRL. JUNIOR CIVIL JUDGE, BAPATLA
PRESENT : SRI P.RAJA RAM, B.A., B.L.,
PRL. JUNIOR CIVIL JUDGE, BAPATLA
Thursday, this the 20th day of April, 2017.
ORIGINAL SUIT NO.70/16
Between:
Kota Maha Lakshmi, W/o.Late Venkata Reddy, Hindu, Aged 60 years, Retired Employee, R/o.Balakrishnapuram, Bapatla Town, Guntur Dt. …Plaintiff.
And
Maraka Usha, W/o.Sobhan, Hindu, Aged 30 years, Housewife, R/o.1st lane, Balakrishnapuram, 33rd ward, Bapatla, Guntur District. … Defendant.
This suit is coming on 18-04-2017 before me for final hearing in the presence of Sri K.Haranadha Reddy, Advocate for the Plaintiff and of Sri
G.Koteswara Rao, Advocate for the defendant, and having stood over for consideration till this day, this court delivered the following:-
J U D G M E N T
This suit is filed basing on the promissory note for recovery of money of
Rs.50,920/-, with subsequent interest and for costs of the suit etc.
2.The material averments of the plaint are in brief as follows.
The defendant herein borrowed a sum of Rs.30,000/- from the plaintiff on 21-04-2013 for her family expenses and defendant executed suit promissory note on the even date in favour of plaintiff at Bapatla, agreeing to repay the said amount together with interest @ 24% yearly compoundable either to plaintiff or her order on demand. Subsequently, inspite of repeated demands made by the plaintiff personally and through mediators the defendant failed to discharge the pronote debt and postponing the same on some pretext or other. Thus, the plaintiff got issued legal notice to the defendant on 16-02-2016 demanding the defendant to pay the amount due under the promissory note, and the said notice is returned unserved with an endorsement of refused. Though the agreed rate of interest is 24% yearly compoundable, the plaintiff is claiming only 24% simple interest in this suit. Hence, the plaintiff is constrained to file the present suit for recovery of the suit amount.
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3. Defendant filed written statement by denying the material averments of plaint and contended that she borrowed an amount of Rs.2,000/- from the plaintiff about five or six years back and the same was discharged @ 120% interest per annum and the plaintiff has been demanding her to pay the interest @ 180% per annum but she refused to pay the higher rate of interest @ 180% per annum. Plaintiff herein hatched up a plan to take revenge against her and got filed the present suit as well as OS.No.44/16 against her own brother-in-law after creating another promissory note against him. Such fact is not mentioned in anywhere in the present suit as they are close relatives and the present suit is hit by Order 2 Rule 2 C.P.C and the suit has to be dismissed. Hence, the alleged suit promissory note, dated 21-4-2013 is a rank forgery. The attestors as well as scribe of the alleged suit promissory note in OS.NO.44/16 are one and the same.
Hence, such promissory note as well as the suit promissory note in the present suit are created, concocted and rank forged ones. She neither received the alleged legal notice nor refused the same. Hence, the suit is liable to be dismissed with costs.
4.Basing on the pleadings of plaint and written statement the following issues have been framed for trial.
1. Whether the suit promissory note, dated 21-04-2013 is a rank forgery as contended by the defendant?
2. Whether the suit promissory note, dated 21-04-2013 is true, valid and binding on the defendant or not?
3. Whether the plaintiff is entitled to decree for the suit amount as prayed for?
4. To what relief?
5.On behalf of plaintiff, the plaintiff herself was examined as P.W.1. Attestor of suit promissory note namely Shaik Rajiya Begum was examined as P.W.2.
Scribe of suit promissory note namely Inturu Venkata Srinivasa Rao was examined as P.W.3. Exs.A1 to A4 were marked through P.W.1. On behalf of defendant, the defendant herself was examined as D.W.1 and no documents were marked.
6. Heard arguments on both sides.
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7.Before going into the discussion, it is better to extract the definition of promissory note.
8.Section 4 of Negotiable Instruments Act defines “Promissory Note” as follows: - A 'promissory note' is an instrument in writing (not being a bank-note or a currency-note) containing an unconditional undertaking signed by the maker, to pay a certain sum of money only to, or to the order of, a certain person, or to the bearer of the instrument.
9.From the reading of above section, the essential features of a promissory note can be summarized as follows:
1. Promissory note need not be in token of borrowing;
2. Promissory note should be in writing;
3. There must be an unconditional undertaking to pay;
4. The sum should be certain;
5. Payment should be in the form of money;
6. Clear identity regarding persons;
7. The maker should sign it;
8. Payable to order;
9. On demand;
10.The other general principles relating to promissory note:
1.There is no specific form for a promissory note.
2.The promissory note need not be written by the borrower itself. Anybody can scribe the promissory note. It is always preferable to get a promissory note scribed by a third party other than a lender or a borrower.
3.The amount should be mentioned in words.
4.The promissory note should be written uniformly with the same pen and ink from the beginning to the end.
5.To be more clear, if a promissory note is written by a scribe who is a third party, the scribe should write the entire promissory note at a time with one and the same ink and pen. The borrower can put his signature with his own pen or with pen used by the scribe. Witnesses can put their signature with their own pen or with the pen of the scribe or with the pen of the borrower.
6.Attestation by witnesses is not compulsory or mandatory for a pronote. Promissory note is perfectly valid without any witnesses.
7.The date and place of execution should be clearly mentioned.
8.The purpose for which the amount is borrowed is also should be mentioned.
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9.Pronote should be written at one and the same time.
10.After the body of the promissory note is written, Revenue stamp should be fixed and the borrower should sign on it. After the borrower putting his sign, the witnesses if any can put their sign.
11.After signs of the witnesses, the scribe should contribute his sign at the bottom of the promissory note.
12. Care should be taken to avoid any alterations or errors or overwriting in the promissory note. If at all there are any such errors or overwriting, they should be mentioned at the bottom of the note specifically.
13.The lender should pay the amount borrowed to the borrower at the time of execution of the promissory note, but earlier or later.
14.A minor should not execute a promissory note.
15.There should not be any blanks in the promissory note.
11.ISSUE NOS.1 AND 2:
1. Whether the suit promissory note, dated 21-04-2013 is a rank forgery as contended by the defendant?
2. Whether the suit promissory note, dated 21-04-2013 is true, valid and binding on the defendant or not?
The cases like this nature the initial burden to prove the execution of Ex.A1 promissory note and passing the consideration is always on the plaintiff. The plaintiff herself was examined as P.W.1. In her chief examination affidavit, she just reiterated the same facts, which were stated in the plaint. It is her evidence that the defendant/D.W.1 herein borrowed a sum of Rs.30,000/- from her on 21-04-2013 for her family expenses and defendant/D.W.1 executed suit promissory note/Ex.A1 on the even date in her favour agreeing to repay the said amount together with interest @ 24% yearly compoundable on demand either to her or her order. Subsequently, inspite of repeated demands made by her personally and through mediators the defendant/D.W.1 failed to pay the debt due under the promissory note and she is postponing the same on some pretext or other. Thus, she got issued legal notice to D.W.1 demanding her to discharge the debt due under the suit promissory note, but the said notice was returned unserved with an endorsement is refused.
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Whereas in her cross-examination she stated that she know the defendant personally. Gaddam Venkata Rao is the brother-in-law to her. She got filed suit
OS.No.44/16 against the said Gaddam Venkata Rao on the file of Hon'ble Senior
Civil Judge's Court, Bapatla. The defendant borrowed an amount of Rs.30,000/-
from her on 21-04-2013. The attestors and scribe in OS.No.44/16 on the file of
Hon'ble Senior Civil Judge's Court, Bapatla and the attestors and scribe in Ex.A1
promissory note are one and the same. She denied the suggestion that since the defendant failed to pay the interest @ 180% on Rs.2,000/-, she bore grudge against the defendant, she forged the signature of the defendant on Ex.A1 promissory note and got filed the present suit to get wrongful gain. She denied the suggestion that she has no capacity to lend Rs.30,000/- to the defendant under the suit promissory note. She also denied the suggestion that the signatures on revenue stamp and beneath the revenue stamp are appears to be similar. She also denied the suggestion that there is no cause of action for the suit and no consideration was passed to the defendant. Counsel for the defendant though cross examined P.W.1 at length but except putting suggestions no useful information was elicited from the mouth of P.W.1, and did not shake her evidence.
12. The evidence of P.W.1 goes to show that the defendant borrowed money of Rs.30,000/- from P.W.1 and she executed suit promissory note in favour of
P.W.1 in the presence of P.Ws.2 and 3. The defendant received consideration under the suit promissory note in the presence of P.Ws.2 and 3.
13. To corroborate the evidence of P.W.1, P.W.1 examined one Shaik Rajiya
Begum, who is the attestor of suit promissory note/Ex.A1 as P.W.2. It is her evidence that she acted as an attestor to the promissory note. One Inturu
Venkata Srinivasa Rao scribed the suit promissory note. The defendant received consideration and signed on the suit promissory note in her presence.
Whereas in her cross examination she stated that she know the plaintiff and defendant. Four years ago the defendant borrowed an amount of Rs.30,000/- from the plaintiff/P.W.1 in her presence and the scribe.
20-04-20176OS.No.70/16
14. The evidence of P.W.2 goes to show that the defendant borrowed an amount of Rs.30,000/- from P.W.1 in her presence and in the presence of scribe/
P.W.3 of suit promissory note/Ex.A1. She attested the suit promissory note. In her presence and in the presence of scribe/P.W.3 of suit promissory note, the defendant/D.W.1 received consideration from the plaintiff/P.W.1 under the suit promissory note/Ex.A1.
15. To corroborate the evidence of P.W.1, P.W.1 examined one Inturu Venkata
Srinivasa Rao, who is the scribe of suit promissory note/Ex.A1 as P.W.3. It is his evidence that he scribed the suit promissory note. At the time of execution of
Ex.A1, himself, plaintiff, defendant and one Shaik Rajiya Begum were present.
The said Rajiya Begum acted as an attestor to the suit promissory note, dated 21-04-2013. The defendant received consideration from the plaintiff and put her signatures on the suit promissory note in his presence.
Whereas in his cross examination he stated that he is not a licenced document writer. He is the scribe of the suit promissory note. In his presence the plaintiff gave Rs.30,000/- to the defendant. On 21-04-2013 himself and defendant together went to the house of plaintiff. When he started to scribe
Ex.A1, P.W.2 came to the house of P.W.1. He scribed the suit promissory note and handed over to the defendant. Later, the defendant subscribed her signature on the revenue stamp and another signature beneath the revenue stamp. He denied the suggestion that he himself with the collusion of plaintiff and P.W.2 forged the signatures of the defendant on the suit promissory note and got filed the suit to get wrongful gain from the defendant. Counsel for the defendant though cross examined P.W.1 at length but except putting suggestions no useful information was elicited from the mouth of P.W.2, and did not shake his evidence.
16. The evidence of P.W.3 goes to show that the defendant borrowed an amount of Rs.30,000/- from P.W.1 in his presence and in the presence of attestor/
P.W.2 of suit promissory note/Ex.A1. He scribed the suit promissory note. In his presence and in the presence of attestor/P.W.2 of suit promissory note, the defendant/D.W.1 received consideration from the plaintiff/P.W.1 under the suit promissory note/Ex.A1.
20-04-20177OS.No.70/16
17. When the plaintiff discharges her burden relating to receipt of consideration and execution of promissory note/Ex.A1, the onus shifts on to the defendant to disprove the contention of the plaintiff. At this stage it is pertinent to know about the presumptions. Section 118 of Negotiable Instrument Act deals with presumptions.
a. Of consideration – that every negotiable instrument was made or drawn for consideration, and that every such instrument, when it has been accepted, endorse, negotiated or transferred, was accepted, endorsed, negotiate or transferred for consideration.
b.As to date – that every negotiable instrument bearing a date was made or drawn on such date; c.As to time of acceptance – that every accepted bill of exchange was accepted within a reasonable time after it's date and before it's maturity; d.As to time of transfer – that every transfer of negotiable instrument was made before it's maturity; e.As to order of endorsements – that the endorsements appearing upon a negotiable instrument were made in the order in which they appear thereon; f.As to stamps – that a lost promissory note, bill of exchange or cheque was duly stamped; g.That holder is a holder in due course – that the holder of a negotiable instrument is a holder in due course;
18. Now the onus is on the defendant/D.W.1 to disprove the case of the plaintiff/P.W.1. It is her evidence that she borrowed an amount of Rs.2,000/- from the plaintiff about five or six years back and the same was discharged @ 120% interest per annum and the plaintiff has been demanding her to pay the interest @ 180% per annum but she refused to pay the higher rate of interest @ 180% per annum. Plaintiff herein hatched up a plan to take revenge against her and got filed the present suit basing on the forged promissory note, which is not true, valid and binding on her.
Whereas in her cross-examination she stated that she borrowed Rs.2,000/- from the plaintiff five years ago. She has not executed any promissory note in favour of plaintiff in respect of amount of Rs.2,000/-. She never borrowed
Rs.30,000/- from the plaintiff. She repaid Rs.2,000- to the plaintiff. The plaintiff insisted her to pay interest on Rs.2,000/-. Since she failed to pay the interest to the plaintiff, she got filed the present suit. She denied the suggestion that 20-04-20178OS.No.70/16 though she borrowed Rs.30,000/- from the plaintiff, she intentionally speaking falsehood stating that she never borrowed Rs.30,000/-. She also denied the suggestion that she refused to receive the legal notice issued by the plaintiff.
She also denied the suggestion that the signature on suit promissory note/Ex.A1 belongs to her.
19. The evidence of D.W.1 goes to show that she borrowed Rs.2,000/- from the plaintiff five years ago. She has not executed any promissory note in favour of plaintiff in respect of amount of Rs.2,000/-. She never borrowed Rs.30,000/- from the plaintiff. She repaid Rs.2,000- to the plaintiff. The plaintiff insisted her to pay interest on Rs.2,000/-. Since she failed to pay the interest to the plaintiff, she got filed the present suit.
20. D.W.1 denied the borrowing of money of Rs.30,000/- and execution of suit Ex.A1 promissory note in favour of P.W.1 on 21-04-13 and the suit Ex.A1 promissory note is a created, concocted and rank forged document. Her contention is that she borrowed Rs.2,000/- from the plaintiff and she discharged the same @ 120% interest per annum and the plaintiff has been demanding her to pay the interest @ 180% per annum but she refused to pay the higher rate of interest @ 180% per annum. Plaintiff herein hatched up a plan to take revenge against her and got filed the present suit basing on the forged promissory note, which is not true, valid and binding on her. The defendant further contention is that the suit promissory note is a created, concocted, fabricated and rank forged document. But to prove the same she/D.W.1 did not choose to send the suit
Ex.A1 promissory note to the hand writing expert, FSL, Hyderabad. If really D.W.1 did not borrow money of Rs.30,000/- from P.W.1 on 21-04-13 and executed suit
Ex.A1 promissory note in favour of P.W.1 on the even date definitely D.W.1 would have send the suit Ex.A1 promissory note to the hand writing expert, FSL,
Hyderabad for comparison of disputed signatures with her admitted signatures. If really D.W.1 did not borrow money of Rs.30,000/- from P.W.1 on 21-4-2013 and executed suit Ex.A1 promissory note what is the necessity to P.Ws.2 and 3 to say lie against D.W.1. On a perusal the suit Ex.A1 promissory note clearly shows that
D.W.1 executed suit Ex.A1 promissory note in favour of P.W.1 on 21-4-2013 for
Rs.30,000/- in the presence of P.Ws.2 and 3.
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21. On perusal, the evidence of P.Ws.1 to 3 is corroborated each other with the contents of suit Ex.A1 promissory note on the aspect that D.W.1 borrowed money of Rs.30,000/- from P.W.1 on 21-04-13 in the presence of P.Ws.2 and 3 and D.W.1 executed suit Ex.A1 promissory note in favour of P.W.1 on the even date agreeing to repay the said amount together with interest @ 24% yearly compoundable on demand either to P.W.1 or her order. Hence, in view of the above discussion this court disbelieve the evidence of D.W.1 and believes the evidence of P.Ws.1 to 3 on the aspect that D.W.1 executed suit Ex.A1 promissory note in favour of P.W.1 on 21-04-2013 by borrowing money of Rs.30,000/- from
P.W.1. Hence, the suit promissory note is not a forged document and the same is true, valid and binding on the defendant/D.W,1. Accordingly, Issue Nos.1 and 2 are answered in favour of plaintiff and against the defendant.
22.ISSUE NOS.3 AND 4:
3) Whether the plaintiff is entitled to decree for the suit as prayed for?
4)To what relief?
In view of my findings on the above issues, the plaintiff is entitled to decree for the suit amount as prayed for. These two issues are answered accordingly.
In the result, the suit is decreed with costs for an amount of Rs.50,920/- with subsequent interest @ 12% per annum from the date of filing of the suit, till the date of decree and future interest @ 6% per annum from the date of decree, till the date of realisation on the principal amount of Rs.30,000/-.
Directly typed to my dictation by the Stenographer, corrected and
pronounced by me in open court, this the 20th day of April, 2017.
PRL. JUNIOR CIVIL JUDGE:
BAPATLA.
Appendix of Evidence
Witnesses examined
For Plaintiff:-
P.W.1: Kota Maha Lakshmi
P.W.2 : Shaik Rajiya Begum
P.W.3: Inturu Venkata Srinivasa Rao
For Defendant:-
D.W.1: Maraka Usha 20-04-201710OS.No.70/16
Documents marked For Plaintiff:-
Ex.A1: Suit Promissory note executed by defendant in favour of Plaintiff/P.W.1 for a sum of Rs.30,000/-, dated 21-04-2013.
Ex.A2: Office Copy of the Legal Notice got issued by the plaintiff to the defendant
dated 16-2-2016.
Ex.A3: Postal Receipt, dated 16-2-2016.
Ex.A4: Unserved Postal Cover with an endorsement “refused”.
For Defendant :- Nil
PRL. JUNIOR CIVIL JUDGE:
BAPATLA.
20-04-201711OS.No.70/16
The above Judgment/OS.No.70/16 in all pleadings is checked found correct, dt.20-4-17.
20-04-201712OS.No.70/16
IN THE COURT OF THE PRL. JUNIOR CIVIL JUDGE, BAPATLA
PRESENT : SRI P.RAJA RAM, B.A., B.L.,
PRL. JUNIOR CIVIL JUDGE, BAPATLA
Thursday, this the 20th day of April, 2017.
ORIGINAL SUIT NO.70/16
Between:
Kota Maha Lakshmi, W/o.Late Venkata Reddy, Hindu, Aged 60 years, Retired Employee, R/o.Balakrishnapuram, Bapatla Town, Guntur Dt. …Plaintiff.
And
Maraka Usha, W/o.Sobhan, Hindu, Aged 30 years, Housewife, R/o.1st lane, Balakrishnapuram, 33rd ward, Bapatla, Guntur District. … Defendant.
This suit is filed basing on the promissory note for recovery of money of Rs.50,920/-, with subsequent interest and for costs of the suit etc.
Plaint presented on: 18-03-2016 Plaint filed on: 02-04-2016
Cause of action for the suit arose on 21st April, 2013 when the defendant borrowed an amount of Rs.30,000/- from the plaintiff and defendant executed promissory note in favour of plaintiff on the even date for the said amount, when inspite of repeated demands and registered legal notice got issued by the plaintiff, the defendant failed to discharge the pronote debt and at Bapatla Town where the suit transaction took place and both parties reside within the jurisdiction of this Court. Value of suit:
Principal amount due under the suit pronote dt.21-04-2013 …Rs.30,000/-
Interest thereon at 24% p.a simple from 21-4-13 to 17-3-16 …Rs. 20,920/- ---------------------- Total … Rs.50,920/- ------------------------
On which a court fee of Rs.2,466/- is paid U/Sec.20 of APCF and SV Act.
Value of the suit for the purpose of jurisdiction is Rs.50,920/-
This suit is coming on 18-04-2017 before me for final hearing in the presence of Sri K.Haranadha Reddy, Advocate for the Plaintiff and of Sri G.Koteswara Rao, Advocate for the defendant, this court DOTH ORDER AND DECREE as follows:
i)that the defendant do pay the plaintiff a sum of Rs.50,920/- towards suit amount with subsequent interest @ 12% per annum from the date of filing of the suit, till the date of decree and future interest @ 6% per annum from the date of decree, till the date of realisation on the principal amount of
Rs.30,000/-.
20-04-201713OS.No.70/16 ii) that the defendant do also pay to the plaintiff a sum of Rs.5,834/- towards costs of the suit and do bear her own costs of Rs.-NIL-(CM and FC not filed).
Given under my hand and the seal of the court, this the 20th day of April, 2017.
Prl. Junior Civil Judge, Bapatla.
Table of Costs
For PlaintiffFor Defendant Rs.Rs.
Stamp on Vakalat2-00CM and FC not filed Stamp on Plaint2,466-00-- Stamp on Process38-00-- Advocate Fee 3,228-00 -- Writing & 100-00 -- Type charges Total 5,834-00- N I L -
Prl. Junior Civil Judge, Bapatla.
Decree in OS.No.70/16 is checked found correct after cost memo to be print and along with Fair Judgment. Dated 20-4-17,.