Anonymous
23 November 2021 at 12:26
Little lengthy - but its urgent- kindly guide me.
>>>
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?
advocate2301@gmail.com
21 November 2021 at 17:04
Does the Rajbhasha Act makes it compulsory to make correspondence for a Govt undertaking Deptt to make correspondence with their contractors in Hindi ?
Please opine.
Anonymous
20 November 2021 at 10:06
our association was formed in 2007, after which one person has been holding the secretary post on a voluntary basis, without conduction proper election, the society was registered at the beginning , after which they have not been renewing, moreover the seemed to have framed by laws to their convenience, i would like to know if the bye laws need to be approved by the registrar of association and is it right on the part of that resident to continue holding office for so many years? we feel that some illegal transactions are happening with procuring of water lorries and civil work related to the society, that is why we feel that the same person is holding the secretary post without conducting proper elections, kindly advice.
Anonymous
19 November 2021 at 15:29
Hello
I wanted to know what is the process of resigning as a managing trustee and transferring the same post to one of the trustees, also there is no resignation clause in the trust deed? Kindly suggest the legal methods to do the same
Anonymous
19 November 2021 at 00:28
I B.Ramu s/o Srinivas completed my BBA in 2017 and my father who sells coriander in the market , my brother friend B.naresh who introduced one C.Ravi teja s/o. Late narayana occ: VRO , offered me a government Job in the revenue department as junior assistant in Karimnagar. C.Ravi teja influenced my parents with deceitful words as providing me job in the revenue department as junior assistant in Karimnagar and took money 4,60,000 from my parents in 2018 Jan 3rd. After the next year is he not responding to our calls and messages .present my father having cancer we don’t have money and we are facing financial issues and we want our money back and he wrote a agreement for 4,60,000 that he took money for interest.
I filed a FIR against C.Ravi teja but the police didn’t take any action against him ,it’s been 14 days FIR has been filed. Now the police are saying that I’m also an accuse for committing crime for fraud by cheating government . What i am supposed to do now sir
Priya Mengaji
15 November 2021 at 14:16
Dear Respected Members,
A senior ex-professional that I know had registered himself with Political Party working towards climate changer .
Due to some differences in opinion with the President and without justifiable grounds ,his membership as a Spokesperson is cancelled by the President of this Party .Now the disciplinary committee and all other committee are presided rather wholly managed by this President .
It seems the person I know was working as anti-party that is the allegation with no substance /evidence .What remedy is available ?? any legal recourse ?? Member is from Mumbai ,Party functioning in Delhi .
Thank you in advance.
Regards ,
Priyaa
Anonymous
10 November 2021 at 15:14
Ignoring the will of the father a single Redevelopement agreement was made and registered in 2009 for 4 legal heirs( Individual agreement is not yet made inspite of followup with builder)
building 90% complete in 2012 with 2 illigal floors.so BMC is not isuing BCC and OC to the builder till date and hence builder has not yet handed over 4 flats in redeveolped building till date.
Can a single legal heir terminate her consent given to builder for redevelopement of her fathers property?
Can a single legal heir proceed against tyhe builder for recovery at this stage as per the will of her father which was ignored?
What other legal remedies to proceed against the builder?
What are the consequences if she terminates her consent given to builder?at this stage
Anonymous
09 November 2021 at 13:35
Recently a builder has started construction in my area. Builder has all required permission and approval from MMRDA (not asked for Proof have taken his word for it). But his construction is causing lot of inconvenience to resident. Work start sometime from 8am and ends around 8pm. If we try to talk to him he says he will come next day and doesn't show up as well as stops work for 2-3days. Then again after few days he will start his work.
While I am aware Gram Panchayat does not hold any rights or sanctions on infra project since 2019, still I tried filling complaint of inconvenience hoping to get some assistance but it had no outcome. Need to understand how to get builder co-operate and live our life in peace.
It is causing more inconvenience as most of the resident are retired and almost above age of 60years. This unwanted noise of construction is causing mental stress and frustration. We just want a dialogue with builder to make him understand situation and work accordingly.
Hoping to listen from anyone who has worked on such cases. Want to solve this problem/issue in amicable way if possible.
Any suggestions are appreciated and thanking before hand to everyone who pitch in there thoughts and suggestions to deal with situation.
Pradyot
07 November 2021 at 14:14
Inherited property given for redevelopment by 4 legal heirs in mumbai in 2009 .One single agreement was signed by 4 and registered in sub registrar Mumbai in 2009 without any registration with MHADA /?RERA.Building 90% completed in 2012 with 2 illgal floors by developer.BMC has given notice to developer and not issued BCC and OC to the building .The developer has stopped giving rent from 2012 for alternate accomodation
Developer wants to sign supplementry agreement predated 2012 stating that old agreement is deemed to have been terminated with the supplimentry agreement dated 2012 with same benifits as old agreement dated 2009.we have declind to sign it.
Due to above Developer has not given any possession till today and no legal notice was issued to developer by 4 legal heirs till date .Can one legal heir terminate her consent now to the redevelopment agreement of 2009 to the developer?.what is the remedy to reskind the agreement as individual agreements were not made and registered in 2009 with MHADAand with sub registrar Mumbai in 2009.What is the remedy against the developer ?Can we still approach MHADA/RERA for recovery?what are the consequences if we all 4 legal heirs terminate the redevelopement agreement of 2009?Can we take the force possession through BMC of incomplete building ?and let builder go to the court against us?
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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?