The case stems from a written complaint lodged by Baldeep Kour W/o Karamjeet Singh R/o village Sunder Pura Teh. R.S.Pura, Jammu and others, alleging therein that she had to buy a JCB in 2017 for which she required Rs 23 Lakh after confirming it from the dealer. Accordingly she applied for loan of Rs. 15 Lakh in J&K Bank, Branch Kullian, R.S.Pura, Jammu, as she was required to pay the margin money of Rs. 8,50,000/- to the dealer and the remaining loan amount was to be transferred by J&K Bank in the account of the JCB dealership and thereafter the dealership had to deliver the said JCB to the complainant.
The complainant paid margin money of an amount of Rs. 8.5 Lakh to Proprietor of K.K.Motors, R.S.Pura, Mr. Kulbir Singh S/o Sansar Singh R/o Khour Bhau, R.S.Pura, Jammu. The complainant was informed that the said Bank will transfer the amount in the account of the firm and the complainant will get the delivery of the said JCB. But after approaching the dealer a number of times for the delivery of JCB, in June, 2019, the dealer Kulbir Singh refused to give the delivery of the JCB and told her that the said J&K Bank has not sanctioned the loan and has not transferred any amount in the account of the firm for said JCB, whereas EMI instalments had already started getting deducted from the account of her husband, thereby defrauding the complainant.
On receipt of the complaint a preliminary verification was initiated and during probe the allegations were prima facie substantiated, leading to the registration of instant case under the relevant sections of law for indepth investigation. During the course of investigation relevant record was seized, statement of witnesses recorded, Scientific, Circumstantial and other Material evidence was gathered and offences U/S 420, 465, 468, 471, 120-B/RPC were established against the accused. Charge sheet was produced in the Court of law for judicial determination.