Madras High Court

C.Kumar vs P.Sivasubramaniam on 20 December, 2021

                                                                                          A.S.No.664 of 2018


                                  IN THE HIGH COURT OF JUDICATURE AT MADRAS

                                                      Dated : 20.12.2021

                                                          CORAM :

                                 THE HON'BLE MR. JUSTICE T.RAJA
                                              AND
                       THE HON'BLE MR.JUSTICE D.BHARATHA CHAKRAVARTHY

                                                      A.S.No.664 of 2018

                     C.Kumar                                                             ... Appellant
                                                        Versus

                     P.Sivasubramaniam                                        ... Respondent

                                    Prayer : First Appeal filed under Section 96 r/w Order 41 Rule 1
                     and Order 42 Rule 1 of Civil Procedure Code, against the Judgment and
                     Decree dated 28.02.2018 in O.S.No.159 of 2015 of the learned II –
                     Additional District and Session Judge, Tiruppur.

                                              For Appellant       : Mr.V.Nicholas
                                              For Respondent      : Ms.C.Meena

                                                         JUDGMENT

(The Judgment of this Court was delivered by Mr.Justice.D.Bharatha Chakravarthy)

This Appeal suit is filed by the unsuccessful defendant in the suit

in O.S.No.159 of 2005 on the file of the Learned II Additional District and

Sessions Judge, Tiruppur, wherein by Judgment dated 28.02.2008, the Trial

Court decreed the suit filed by the plaintiff and directing the appellant herein https://www.mhc.tn.gov.in/judis

A.S.No.664 of 2018

to pay a sum of Rs.25,75,000/- to the plaintiff/respondent herein, along with

further interest and principal amount of Rs.15 Lakhs, at the rate of 9% per

annum from the date of plaint, till the date of decree and at the rate of 6%

per annum from the date of decree, till the date of realization.

2.The case of the plaintiff/respondent before the Trial Court is that

after obtaining a loan by way of cash for a sum of Rs.15 Lakhs, the

appellant /defendant executed a promissory note under Ex.A1, dated

06.06.2012, promising to repay the principal along with interest at the rate

of 24% per annum. The appellant/defendant duly signed the said promissory

note and also affixed his left thumb impression. Since no amount was repaid,

either towards principal or interest, the plaintiff caused a legal notice on

25.05.2013. Upon receipt of the same, the defendant caused a reply dated

25.02.2013, feigning ignorance of the respondent / plaintiff and completely

denying the transaction and requested for forwarding the copy of the alleged

promissory note.

3.In response, thereof, the plaintiff caused re-joinder notice on

06.06.2013, thereby denying the false allegations in the reply and also

forwarding the copy of the promissory note. To the said notice, once again, https://www.mhc.tn.gov.in/judis

A.S.No.664 of 2018

a reply dated 08.06.2013 was issued by denying the borrowal and stating

that the promissory note was forged and fabricated. Therefore, the plaintiff

proceeded to file the suit on 02.06.2015.

4.Upon filing of the suit, the defendant filed an application in

I.A.No.853 of 2015 to refer the promissory note for expert for verifying

signature in the promissory note by comparing it with the admitted signature.

However the same was dismissed by the Trial Court on 05.01.2016.

Thereafter, on 04.02.2016, the defendant filed a written statement, denying

the transaction and the signature. It is his further submission that he had

enimity with one Rangasamy who carried on a partnership real estate

business with him and after the business had fallen down the said

Rangasamy by making use of the signature of the appellant / defendant made

during the course of the real estate transaction, has caused the plaintiff to

institute the suit. The Trial Court framed the following issues:-

"1. Whether the promissory note dated 06.06.2012 is true, valid, genuine and acted upon?

2. Whether the plaintiff is entitled to get a relief as prayed for?

3. To what relief the parties are entitled to? "

5.The plaintiff examined himself as PW.1, One Velayutham, who https://www.mhc.tn.gov.in/judis

A.S.No.664 of 2018

was the witness of promissory note, as PW.2, One Saminathan, who is a

scribe, who wrote the promissory note as PW.3. Apart from marking the

promissory note as Ex.A1, on behalf of the plaintiff, the office copy of the

legal notice was marked as Ex.A2 and the acknowledgment card as Ex.A3.

The reply notice issued on behalf of the defendant was marked as Ex.A4.

The re-joinder notice dated 06.06.2013 issued by the plaintiff was marked

as Ex.A5 and the reply to the re-joinder notice dated 08.06.2013 was

marked as Ex.A6. On behalf of the defendant, the defendant viz., Kumar

examined himself as DW.1 and marked certified copy of the sale deed dated

27.02.2013 as Ex.D1.

6.The Trial Court, after hearing both sides, had found that, first

the plaintiff has got into box as PW.1 and the documents were duly marked

and he deposed about the lending of the money. In support of evidence of

PW.1, the attesting witness, who had witnessed the defendant borrowed the

money, was examined as PW.2 and the scribe of the promissory note was

also examined as PW.3, who have all categorically deposed about the

borrowal of money by the appellant / defendant. The Trial Court found that

even though the appellant / defendant disputed the signature, he has not let

in any clear cut evidence to prove the same. Even though, he had filed an https://www.mhc.tn.gov.in/judis

A.S.No.664 of 2018

Interlocutory application, after dismissal of the same, he had not taken any

further steps. Further, there was also deficiency in the application filed by

him. The plaintiff also forwarded a copy of the promissory note to him along

with re-joinder notice. He had not taken any steps by preferring any criminal

complaint if such forged promissory note was sought to be enforced against

him. Further defense of the appellant that his actual name is R.Kumar, but,

his signature in the promissory note is signed as C.Kumar and therefore, the

promissory note is forged, was rejected by the Trial Court by relying upon

the evidence of DW.1 himself, stating that in the cross-examination he has

stated that only the name is mentioned as C. Kumar but the signature is

made as R.Kumar, only. Therefore, the Trial Court rejected the defense of

the appellant / defendant and decreed the suit with 9% pendelite interest and

6% interest post the decree.

7.Aggrieved by the same, the present appeal has been filed. In the

memorandum of grounds of the appeal. The appellant / defendant has raised

grounds stating that:

i) the Judgment of the Trial Court is against law and probabilities

of the case,

ii) that the defendant has categorically denied the execution of the https://www.mhc.tn.gov.in/judis

A.S.No.664 of 2018

said promissory note and thumb impression, therefore, the burden is on the

plaintiff to establish the same;

iii) the plaintiff has filed a suit after the period of two years of the

reply notice;

iv) The onus is upon the plaintiff, to send the promissory note for

comparison of signature and the defendant has marked the document viz.,

sale deed, to show the admitted signature. Therefore, in the absence of the

above steps not taken, decreeing of the suit was incorrect in law.

8.Heard Mr.V.Nicholas, learned counsel for the appellant /

defendant and Ms.C.Meena, learned counsel appearing for the

respondent/plaintiff.

9.On behalf of the appellant, learned counsel would primarily

raised two grounds:

a) Firstly, when the defendant has denied the signature in the

promissory note, it was for the plaintiff, to establish the same and in this

case, the plaintiff has miserably failed to take steps to refer the promissory

note for comparison of signatures by way of expert opinion and in the

absence of the same, the Trial Court ought to have dismissed the suit. https://www.mhc.tn.gov.in/judis

A.S.No.664 of 2018

Further, in this case, even though it was not the onus of the defendant, the

appellant / defendant himself had filed an application, which was rejected by

the Trial Court on the ground that it was for the plaintiff to prove the

promissory note. Therefore, in these circumstances, the plaintiff had

miserably failed to prove the promissory note and consequently, the decree

of the trial court is liable to be reversed.

b) His second submission is that the conduct of the plaintiff is not

normal. When the defendant had issued reply notice, totally denying the

transaction and alleging that the promissory note is a forged one, the normal

reaction of any reasonable man, would file the suit immediately. According

to him, even though the reply to the rejoinder of notice was issued on

08.06.2013, the suit was filed only on 02.06.2014, therefore, the same

would also demonstrate that there was no borrowal at all and the suit is an

abuse of process of law.

10.Per contra, the learned counsel appearing for the respondent

would draw the attention of this Court, to the signature of the defendant in

the proof affidavit filed by him and comparing the same, with the signature https://www.mhc.tn.gov.in/judis

A.S.No.664 of 2018

found in Ex.P1 / promissory note, would submit that it is crystal clear even

to the naked eye that it was the signature of the appellant which is found in

the promissory note. It is only the appellant / defendant who had executed

the promissory note and the same was duly proved by examining the

attesting witness. The Trial Court is not bound to refer the promissory note

for comparison of signature, just on the frivolous and bald plea of denying

the signature. She would further submit that the suit for recovery of money

is filed within the period of limitation. Therefore, she would contend that the

suit has been rightly decreed.

11.Upon hearing the parties, the following questions arise for

consideration in this appeal :-

1. Whether or not, the plaintiff has proved Ex.P1/promissory note and whether the absence of comparison of the signature at the instances of the plaintiff would disentitle the plaintiff of the relief ?

2. Whether or not, the filing of the suit after two years of the issue of the rejoinder notice, would raise any reasonable doubt about the borrowal of money ?

Question No.1 :

https://www.mhc.tn.gov.in/judis

A.S.No.664 of 2018

12. At the outset, it needs to be reiterated that once the execution

of the promissory note /Ex.P1 is proved by the plaintiff and there is no

contra evidence let in by the defendant to rebut the presumption under

Section 118 of N.I. Act, it would be presumed that the promissory note was

executed for valid consideration. Now, therefore, the question is whether the

plaintiff has proved the execution of Ex.A1/ promissory note. In our opinion,

the plaintiff has done so for the following reasons:-

a) Apart from examining himself as PW.1, the attesting witness

was examined as PW.2 and the scribe of the promissory note was examined

as PW.3 and they were corss examined in detail and no favourable answers

could be elicited by the defendant/appellant;

b) the defendant had issued a reply notice on 24.05.2013 and

thereafter, reply to rejoinder was issued on 08.06.2013. On both these

occasions, he did not raise the defense that one Rangasamy had set up the

plaintiff as binami and using his signature in the real estate transaction, the

promissory note is sought to be enforced. In the written statement, which

was very belatedly filed, after a period of one year of the suit, alone the

defense is raised, which points out the same as frivolous in nature;

c) It is the defense of the defendant that the signature contained in

Ex.A1/promissory note is signed as C.Kumar, whereas, he used to sign as https://www.mhc.tn.gov.in/judis

A.S.No.664 of 2018

R.Kumar. This is factually wrong. It is only the name of the appellant /

defendant, which is wrongly mentioned as C.Kumar, because, he has also

mentioned his father name as 'Chinnasivanmalai alias Raj' . However on a

perusal of Ex-P1, it is clear that signed appears only as R.Kumar and the

said fact duly admitted by the defendant in the cross-examination;

d) The appellant/defendant had filed his proof affidavit in this case

on 08.01.2018. The signature in Ex.P1/promissory note and the signature in

the proof affidavit of the appellant / defendant, on a comparison, can be

found as similar. In this regard, when the defendant was cross-examined by

the plaintiff, the defendant answered are follows:-

".../ ,/k/vz;/1203-2016y; cs;s kD kw;Wk; gpukhzg;

gj;jphpf;ifapy; cs;s ifbaGj;J vd;Dilajy;y////"

Therefore, apprehending the plaintiff would compare the signatures in

Ex.P1/promissory note with that of the signature contained in the proof

affidavit, the defendant has gone into the extent of denying the signature in

the proof affidavit filed by him, through his own advocate before this Court.

In such view of the matter, we find that there was no necessity for the

plaintiff to send Ex.P1/promissory note for comparison of signatures. For the

above reasons, we answer the question number one in favour of the

plaintiff/respondent and against the appellant / defendant. https://www.mhc.tn.gov.in/judis

A.S.No.664 of 2018

Question No.2 :

13.As far as the second question is concerned, so long as the suit

is filed within the limitation, in a suit for recovery of money, mere delay in

filing the suit, when it is within the period of limitation, is immaterial, as

any plaintiff would repeatedly attempt and insist the defendant to pay the

money and he would avoid filing of the suit by paying further Court fees and

approaching the Court. Therefore, the arguments of the learned counsel for

the appellant does not merit any consideration and hence, rejected.

14.In view of our findings, we confirm the findings of the Trial

Court, in respect of issue no.1, that promissory note dated 06.06.2012 is

true, genuine and acted upon. We also confirm the findings of the Trial

Court in respect of issue no.2 that the plaintiff is entitled to get the relief of

recovery of the sum of Rs.25,75,000/- with further interest on the principal

sum of Rs.15 Lakhs at the rate of 9% per annum, from the date of plaint and

till the date of decree and at the rate of 6% per annum from the date of

decree, till the date of realisation. We also find that the appellant / defendant

has deposited 50% of the decree amount, pursuant to the interim order

passed by this Court, which we hold that the respondent / plaintiff will be

entitled to withdraw the same.

https://www.mhc.tn.gov.in/judis

A.S.No.664 of 2018

15.Accordingly, we order the Appeal Suit, on the following terms

(i) The Appeal Suit is hereby dismissed and the Judgment and Decree of

the Trial Court / II – Additional District and Sessions Judge, Tiruppur

in O.S.No.159 of 2015, dated 28.02.2018 is confirmed;

(ii) that the defendant shall bear the costs of the respondent of the

appeal, in addition to the costs of the suit.

(iii)The respondent / plaintiff will be entitled to withdraw the sum

deposited by the appellant / defendant to the credit of the suit in

O.S.No.159 of 2015, along with accrued intersts.



                                                                                              20.12.2021
                     Index    : Yes
                     Speaking order
                     klt




                     To
https://www.mhc.tn.gov.in/judis


                                                                                  A.S.No.664 of 2018