19. In this case, the defendant/applicant has not so far raised any dispute relating to the terms and conditions of the Contract Agreement. The facts in Branch Manager case (Supra) are also distinguishable. In that case, Bank had entered into a hire purchase agreement for purchase of motor vehicle with respondent no.1 (Smt. Potluri) and when she defaulted in making payment of EMIs, the Bank terminated the agreement and seized the vehicle. The agreement contained an Arbitration clause. Respondent no. 1 filed a civil suit seeking recovery of seized vehicle and sought restrain order against Bank from transferring the said vehicle. It was on those facts the Court held that civil suit is barred. In Novelty Jewellers (supra) case , the Court after discussing the provisions of law held that where there is dispute between the parties, then for addressing the said dispute/grievances, the matter has to be referred to the Arbitration where there is an Arbitration Agreement and the proceedings before the Civil Courts are not maintainable. In National Insurance Co. Ltd case (supra), the Supreme Court after discussing and distinguishing the findings of State of Maharashtra vs. Nav Bharat Builders, AIR 1999 SC11 and Nathani Steels (Supra) held as under :-
