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Ananda Online   25 November 2021 at 21:53

Email complaint

Hello,
This is regareding non return of token money in a property related. Since documents were not clear deal did not finalize, seller not returning token advance.
Police not registering FIR and say it is 'civil' and did a NC.
Is an email complaint to ACP/commissioner acceptable before filing a PCR?

thanks,
ANand

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Anonymous   25 November 2021 at 14:49

Writing an apology now i have a concern for my future being

I have written an apology letter in the police station, for sending a message to the foreign lady for my concern with the relationship as I thought he (the person I am with cheating on me) I send Hey message and what going with you two, I never hide my identity nor abuse her I simply ask my concern to her she never response instead file a complaint against me as a fake account. In the process, I do make another account but never misused it but the lady used another account and use my pictures as evidence of a fake account but it was not.
Even though I send her a message asking what going on for that I write an apology
I admit my mistake sending a message for concern and relationship but now I m concerned for my future can this apology letter haunt me for life as I want to apply for govt job and a passport I don't know I am scared for my future.

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Anonymous   25 November 2021 at 14:44

Writing an apology now i have a concern for my future being

I have written an apology letter in the police station, for sending a message to the foreign lady for my concern with the relationship as I thought he (the person I am with cheating on me) I send Hey message and what going with you two, I never hide my identity nor abuse her I simply ask my concern to her she never response instead file a complaint against me as a fake account. In the process, I do make another account but never misused it but the lady used another account and use my pictures as evidence of a fake account but it was not.
Even though I send her a message asking what going on for that I write an apology
I admit my mistake sending a message for concern and relationship but now I m concerned for my future can this apology letter haunt me for life as I want to apply for govt job and a passport I don't know I am scared for my future.

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Anonymous   25 November 2021 at 00:18

Cash sale exceeding twenty thousand

Is it legal to pay in cash to a trader for a sale amount exceeding twenty thousand rupees.

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Anonymous   24 November 2021 at 21:23

Job in final semester

Sir i am in final year of M.Sc and got a govt job.....can i continue my studies and use M.Sc legally to apply for other govt jobs

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Gopalakrishnan Naduvathery   24 November 2021 at 16:48

Kyc documents

Generally the Landlords in a leave and licence agreement mentions that the tenant must not apply for aadhaar card, voters I'd card, PAN card, and so on the address on which the agreement is made? Is it not like writing a death declaration?

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Nabeel Muhammed   24 November 2021 at 14:37

Legal heirship

Hello,

Is Voter Election ID Card is mandatory for apply Legal Heir ship Certificate in Kerala. ?

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Kiran Kiran   24 November 2021 at 07:25

Cheque bounce

I have won the case in Lower Trial Court and Appellate court (Case was since 10 years now got the judgement).
Accused was absent on the Judgement day.
Accused went to high court for Criminal Revision, but High court dismissed the petition and ordered him to surrender in the Lower Appellate court for further proceedings.

In the mean while Lower Trial Court has issued an arrest warrant on Accused. but he was absconding, but after 1 and half month Accused was caught. He was sent to Imprisionment, its been past 1 week but till now he did not move any bail petition,
My concern is if he accept the imprisionment then how can I recover the amount, Accused has few properties, Accused is a business and realestate person. If Accused does not respond, can we file EP on the basis of this Judgement?
1) What would be the next step to recover the money.

2) Civil Case : already 10 years passed, can we go for Civil Case

Please given Suggestion

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Anonymous   23 November 2021 at 22:28

Notice to produce documents

We have filed declaration suit. There was a simple Mortgage deed executed by plantiff in favour of defendant. We have given the certfied copy of the mortgage deed along with plaint. However, original is with defendant.

Defendant has denied the execution of mortgage and he is claiming the property is as his own. Revenue records were also changed to his name behind the back of platiff.

To produce the certified copy of mortgage deed as a secondary evidence and also to prove the execution of mortgage under section 68 of evidence act, under which order plaintiff need to give notice to defendant to produce documents
is it under?
1) order 11 rule 16 or
2) order 12 rule 8



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Anonymous   23 November 2021 at 12:28

Urgent help-misselling insurance to 80+ yr old

Little lengthy - but its urgent- kindly guide me.

BRIEF NOTE BEFORE DETAILS: Main reason for posting here is because someone from the Ombudsman office (Assistance Secretary to Ombudsman (A.S.O), who was with the judge in the hearings) has been calling me several times asking me (literally threatening) to withdraw the cases and settle with a compromise with the Insurance company (the terms of which he will speak to company and arrange) or else I will not receive any refund and cases will be reversed. Inspite of that I went ahead with the hearings based on someone's suggestion.

BACKGROUND
My father is 80+ and suffering from Alzheimer's/dementia. He receives a pension of 25K per month. Prior to the diagnosis of his disease, he fell victim to mis-selling of 13 insurance policies by 2 agents in just 2 yrs time - total premium around 25Lac p.a for 5 - 6 years. From what the doctor told and from learning more about Alzheimer's, it is clear that he had serious memory decline already at that time and was not in a position to handle financial decisions. The agents have misguided him heavily as he was not in a position to oppose when they were dumping policies to him. My parents were staying in different location at that time and I was not aware of any of his finance etc.

They are all life insurance policies given in the names of me, my sister, my mother and my daughter. In some cases agents have filled wrong salary and rental income details in the proposal form for myself and my sister whereas both are home-makers and have no personal income. I was not aware that so many policies were given and secondly my father had told they were like FD to avoid tax from some maturity amount he received so I thought it was only one time investment. After 2 years,( in 2019-2020) the policies started lapsing and by this time my father had total memory loss and is not in a position to even remember anything. I got to know all this when I started receiving several calls on my fathers mobile for premium payment. After a lot of research I understood that the agents had sold policies knowing somehow about his maturity money and must have definitely known that he cannot pay more that 2 yrs premium.

First I raised complaint with the companies. Some 5 polices have been cancelled and refunded by the company itself, these are lower value polices < 1 lac per annum.

For the others where the company refused to cancel and refund, I had raised complaint earlier this year with the local Insurance Ombudsman and the Policies have now started to come up for hearing with ombudsman, on different dates.
1) In the first case, policy is in the name of my daughter with my father as proposer. Ombudsman asked to refund the amount due to some technical mistake in selling- grandfather to grand daughter
2) Second policy, in my mother's name (she is the proposer and life assured, currently 69yr old) In this 3 premiums totally 2.4 lacs have been paid. The judge said since my fathers name is not involved in this, he cannot treat this policy like the first one. He has ordered the company to make it a single premium policy.
3) In the third policy, my sister is the proposer and life assured. Premium around 2.5Lacs Half yearly and 3 premiums have been paid. My sister is uneducated and no personal income. The judge questioned the company how they could give policy to someone with no capacity to pay premium - sum assured is 50Lacs. They have given them 2 days time to contact the broker company and come up with the explanation. I am waiting for the ombudsman decision.

My queries:
1. In the case where policy is converted to single premium, will the insurance company deduct some amount as administration charges etc or is the full amount taken for premium.
(The ombudsman did not mention about any deduction but the A.S.O who called me again after hearing said there will be deduction.)
2. Given the heavy mis-selling, should the judge not order for refund all amount even if it is in the name of my sister or myself. He said he would not treat all cases same as they are in different names.
3. The policy in my name is nearly 7 Lac per annum premium. And 2 yrs premium paid. The A.S.O has warned me again for this that if I go for hearing, the ombudsman will reject my case as I am educated. So he said he will talk to company and settle something and I should withdraw with compromise. Is he guiding me correctly?

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