BHAVESH CHANDRAKANT KAMDAR
17 October 2015 at 23:00
During the arbitration if one party is not ready to make fees to the arbitrators and either party is ready to bear other party's fees to the arbitrators U/s 38 but still arbitrators demands fees from the other party and not allowed us to raise our side and our claims also.PLS advice it is very very urgent.
Meenakshi
17 October 2015 at 20:57
Dear sir,
I have filed a consumer cse with no SR689/2015 at chennai consumer cout.I have not engageda lawyer here and want hep to correct the documents prepered by me.I am attaching my case.
Thanks
Regards
Meenakshi
BEFORE THE DISTRICT CONSUMER REDRESSAL DISPUTES
FORUM CHENNAI (SOUTH)
CCNO /2015
Mrs.Meenakshi
15 Kodambakkam High Road
Nungambakkam
Chennai 600034
…….complaint
ICICI Prudential life insurance company limited
Plot No.11 KR building Lattice Bridge Road
Adyar
Chennai 600020
…….opposite party
Complaint under sec 12 of consumer protection Act
1.The complaint is Mrs.Meenakshi aged 43 years w/o Mr.Kumar residing at
no.15 Kodambakkam High Road
Nungambakkam Chennai 600034
2.The opposite party is ICICI prudential life insurance company having its registered office at
Plot No 11 KR building lattice Bridge Road
Adyar Chennai 600020
3. the complaint says that the unit manager of the opposite party sought
the complaint to buy the policy Guaranteed insurance savings plan bearing
policy no.16876826 when she was enrolled as an advisor with the opposite party in july 2012.
4,It was informally agreed upon that if the complaint pays the first year’s premium
of Rs.50,000/- the next subsequent Year’s premium would be paid by the
complaint’s mother from their joint account.
5.So in July 2012 the complaint issued cheque no.58054 for rs.51,545/- towards
the payment of the first Premium and the cheque was retuned due to insufficient funds
6. The complaint then issued cheq no.58056 for the said amount which
was realized towards the premium for policy no.16876826.
7.on sep 2012 the complaint received the policy document with
the first premium receipt showing the figure of Rs.103,090/- (exhibit no.5)
as a consolidated premium received indicating a balance premium of Rs.51,545/-
8. So the complaint called the customer care to verify whether her mother had deposited
the balance premium cheque as agreed upon and they(customer care)
replied that if the complaint’s mother had deposited any balance Premium cheque
it would reflect in the account only in the next following year and that the policy document was fine.
9.The complaint’s mother was abroad for nearly a year and the
complaint could not verify for sometime.
10.the complaint then received a premium due notice for 2013 when
she verified and found that no balance premium was paid for the next
Subsequent year of 2013 and that the indication in the receipt is wrong
11.The complaint then filed the grievance in exhibit no.1 for the cancellation
of the policy and refund of the said amount for which the opposite party
replied that any cancellation must be effected during the free look period
of 15 days while the complaiant contests that the free look period is the time allocated by IRDA
only for cancelling policies due to non acceptance of terms and conditions and not
due to a faulty data entry for which IRDA has allocated a time before which
the compliant has brought the issue to notice.
12.The complaint then escalated the issue to IRDA in Exhibit no.2 bearing
the application id 11-13-011519 In reply to which the service recovery mail
in exhibit 3 stated that the amount was receipted twice and that the error was corrected
in their system on October 19 2013 after I had filed a grievance and this was not
mentioned in their reply to the grievance cell in exhibit no.1.
13.The complaint also wants to bring to notice that in all the replies sent by the opposite
party it is indicated that the complaint claims to have paid the entire
Rs.103,090/- which is totally false and the complaint has paid only Rs.51,545/- as indicated.
14. The complaint then approached the insurance ombudsman in December 2013
And her plea was rejected stating that non deduction of premium does not come
under his preview (exhibit 4). The complaint asserts that she filed a plea for the
Cancellation of a faulty policy and refund of the said amount and did not raise any issue pertaining to
anything as to the non deduction of any premium.
.
15.The cause of action arises when the opposite party in october 2013 had claimed to
have rectified an error in the first premium receipt (exhibit 3) at the final stage of the complaint
i.e in the service recovery e mail when the complainant escalated the matter
to the IRDA and the complaiant did not receive any of the corrected receipt through post or courier.
16.I must add that the first premium receipt in life insurance policies constitutes the main
part of the policy document and an erroneous data might make the policy holder liable to penalty
during maturity or may cause any death claim to be forfeited since the policy with the
attached first premium receipt acts as the main source of identification in such cases.
17.According to sec 2 (r) of consumer protection act the data in the First premium receipt
falsly indicates Modal,quality,quantity and composition of the product making it defective
under sec 2 (1) (f) of the consumer protection act 1986 and I hence accuse the opposite party of
indulging in unfair trade practice.
18.I prey the honorable court to cancel my policy and refund the Rs.51,545/-
paid by me along with 12% interest per annum and rs.30,000/- towards legal and other expenses
caused due to this agony.
DECLARATION
I Hereby declare that whatever in said in the above self attested document is correct
To my knowledge and authorize the court to take appropriate action in case anything is found incorrect
Signatiue Place Date
poonam malhotra
17 October 2015 at 19:45
Sir
I WOULD LIKE TO KNOW THAT WHAT WLL BE THE APPROPRIATE AUTHORITY TO WHOM I MAY GO FOR APPEAL AS I AM NOT SATISFIED WITH THE INVESTIGATION DONE BY INTERNAL COMMITTEE OF OUR ORGANISATION. AND WHAT IS THE TIME LIMIT FOR APPEAL.
girish
17 October 2015 at 09:37
One of friend in Pune his neighbour expired in Ahmedabad and he got a doctor certificate as he was no more. They took their body to Pune and the got the permission for cremation in Pune. Now problem is Pune authority is not issue Death Certificate they claims that Death certificate need to get issued from Ahmedabad Municipal Corporation, is that so or pls advise how to get the death certificate in such case.
gursirat sidhu
17 October 2015 at 01:44
If one file RTI against bank to know the transaction details, where does it took place. Will the bank answerable to it and in how much time.
What if bank does not provide with the deatils in the prescribed time limit.
Regards,
G.Sidhu
Anonymous
16 October 2015 at 23:42
Respected members,
I hv to get my passport done, I m seperated since 4 years, my husband given me divorce notice 8 mts before. But my divorce deed is still nt completed. I need to get annexure K. Who will b able to help me on this. I m running around courts frm past 3 days magistrate / executive magistrate is nt ready to even listen to us properly. Everyone r saying they don't hv power, I need to know who is called as executive magistrate coz when I went to magistrates they r telling us to meet executive magistrates. Pls help me.
Anonymous
16 October 2015 at 17:02
If one file RTI against bank to know the transaction details, where does it took place.
Will the bank answerable to it and in how much time.
K PALANIVEL
16 October 2015 at 16:01
Sir,
A person by birth belongs to Scheduled Caste(SC). But his parent also by birth SC. In between his parent followed Christianity because of this they were issued community certificate as BC. Now he wants to follow Hinduism and wish to convert to hindu. Whether the benefits available for Scheduled castes will be available to him if he convert to hindu.
please clarify.
advocatepassy@gmail.com 971794
16 October 2015 at 15:51
An Indian born boy went to Spain and lived there with his parents(Father Spanish-mother Indian). Mother did not relinquish her Indian nationality but the boy got Spanish citizenship. Parents divorced. Mother wanted to come back with her children. Just a week prior to their departure, the boy's passport is withdrawn. He is only 12 years old. He hold certificate of surrendering his Indian nationality and a PIO card but cannot travel to India, in the absence of a valid travel documents. How can he come back and stay with his mother and other family members.
advocatepassy@gmail.com
9717940277
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