PRAKASH KILLADA
12 June 2021 at 23:41
Dear sir,
One of our friends who has taken term insurance with aditya birla sunlife insurance has recently expired due to covid19 and the name of the nominee(NAME IN NOMINATION FORM : S VAS and ACTUAL NAME OF HIS FATHER : S SURADAS) i.e, his father name mismatches with the nomination in insurance and the actual id proof of his father. He has taken an affidavit for the name confirmation and also attached proofs like ration card where the relationship of the deceased and the nominee present.
Is it sufficient for claim process or any other documents like MANDAL REVENUE OFFICER CERTIFICATE for both names are one and same or THE GAZETTE require for the process of claim?
What is the best option for non rejection of claim???
Anonymous
10 June 2021 at 15:39
I am a software engineer by profession. I stay in Pune
FD opened from saving accounts which was jointly owned by me
I had a joint savings account along with my late Father in Buxar district – Bihar. We opened FD of 3 lakhs on the name of my father the money for FD was credited from mentioned savings account which I was joint owner. The FD is visible through mobile banking or internet banking but I am not able to liquidate it from mobile or internet banking.
Sequence of Events
1. Nominee of FD and my mother passed away prior to my father on 7-Feb-20 at Dumraon.
2. My mother’s death left a shocking impact on my father late Dineshwar Nath Trivedi and his health condition started to deteriorate.
3. I left the bank work aside that had come up after my mother’s death and took my father to Pune for medical treatment immediately after the last rituals of my mother.
4. The plan was first to stabilize my father then go back to Bihar along with him (my father) and include my name in nominee of all the accounts where my mother was nominee.
5. Also as the FDs was opened from my savings account I was confident of liquidating it online through mobile or internet banking
6. However, this was not what the almighty wanted. Unfortunately, I had to face more difficult times and a different script was in store for me.
7. My father never stabilized after this incident. His condition worsened in Mid-Oct 2020. He passed away in Pune on 29-Oct-2020. The owner of FD passed away.
Queries
A When we open FD online through mobile banking or internet banking from savings account then we can liquidate the FD also online. However, when the FD is opened from a branch office and the money is taken from the savings account then we cannot liquidate the money online. The FD only shows as read only mode from the mobile or internet banking. May, I understand the reason for this. If the same FD was created online through internet banking or mobile banking then I would have been able to liquidate it online.
B If you look at this FD then the source of FD money trail is from my savings account. The interest from the FD is credited monthly into my savings account. I want to understand the RBI claim settlement policy for such cases in which the FD money has flown from my savings account. The FD holder and nominee of FD (my father and mother) both have passed away.
C. If we open the FD online and if we have the AUTO RENEW FLAG set as N then on maturity the FD breaks automatically and the money flows into the savings account from which FD was created.
D. In such cases the claim settlement should be with minimum of documentation as the money has flown to and from the saving account. I want to understand the deceased claim settlement process.
anisha
07 June 2021 at 18:03
i have ordered one fossil sunglasses from myntra worth 4140 rupees...before ordering i saw their no exchange and return policy. so i contacted them told my skeptical situation and they replied they would assure me 100% quality , problem is a scratch on the sunglasses. it did not have the case of fossil and warranty card ,not safely packed...i made the unboxing video too.. i have filed complain over myntra they say they will look into it they need 2-3 days then decide nd after that refund me if they like..all i feel is cheated and wastage of time and mental torture of calling them again and again worrying about it nd all they would do is refund the exact if they like .....should i complain in the consumer court or should i just ask them to refund with compensation and what should be amount for compensation ?
Anonymous
07 June 2021 at 16:57
Hello sir..my father expired before 2 months before his service in railways in corona quarantine period...I'm a married daughter of him of 26 years..my mother and my younger brother are telling me to take his job...is it possible..can I get his job?
Anonymous
07 June 2021 at 12:12
My mother expired due to COVID in september 2020. She had fixed deposits and savings accounts in SBI. Unfortunately she did not mention any nominee for the fixed deposits and savings accounts. As a legal heir, I filed an application along with all required documentation with the SBI in first week of January 2021. After about 4 months the branch informed (as per RBI guidelines, it seems) that the sureties mentioned in the application should be only residents of the town in which the SBI branch is located town and that they should have immovable assets equal or above the claimed amount.
I live in a different state. This is to request you to clarify whether it is mandatory that the sureties should be from the same town of the SBI branch in which I filed the claim or it can be from any where as long as they provide valid documentation. Your guidance is highly appreciated.
Anonymous
03 June 2021 at 22:13
Madam/Sir,
Help me understand legal position with repealment of Acts.
Let's say there are 3 nos. of Acts, say, 'P' 'Q' & 'R', with P being the first one to be enacted.
When Act P was in force, Act Q was enacted which repealed Act P. Also after sometime,Act R was enacted which repealed Act Q.
Now, question is with repealment of Act Q(which repealed P) by Act R, Act P revives again to be in force along with R; OR only Act R remains in force ?
I wish to approach an authority, but under which act, I'm confused!
Regards
Sushil Shingote
03 June 2021 at 20:01
I have transferred my home loan from one bank to other on February 2020 & then again I have transferred balance amount of home loan from other bank to another bank (3rd bank) now on March 2021. Since bank requires society NOC to transfer loan amount from bank to bank society have given me NOC on February 2020 but while transferring loan on March 2021 society chairman told me that, they cannot give NOC to same flat again & again and added that this is the last time we are giving you NOC. So the NOC which I provided to current home loan bank is provisional one & they are asking me for final NOC from society till then they cannot disburse balance amount of home loan.
Please advise what I can do in such situation?
Anonymous
01 June 2021 at 19:40
Sir,
I am a Sr.Citizen and need to know about DICGC COVER in order to save my hardearned money in the bank and would like to have clarifications on following:
1) One joint account in a bank which is covered by DICGC............
First Holder myself, second holder my wife and third holder my son on anyone or survivor.
I have opened FDs of 5 Lakhs each in single names i.e. myself, my wife and my son (5 X 3 = 15) and have different customer IDs for each one of us but one joint saving account.
3) I have opened one more set of FDs in joint names as follows :
a) 5 lakhs - My wife first holder, I am second holder and my son third holder
b) 5 Lakhs - I am first Holder, my wife second holder and my son third holder
c) 5 Lakhs - My son first holder, I am second holder and my wife third holder
( 5 X 3 = 15 Lakhs).
Now, the savings account is one, three customer IDs and total FDs are 30 Lakhs.
I would like to know as to whether all thirty lakhs are covered by DICGC.
RBI RULES ON DICGC is very confusing and not clear. Definition of different Rights and capacities and the examples given by them are not understood by me.
Grateful your guidance on above . At this age I do not have the capacity to take any risk as I am living is on interest no other source of income whatsoever. My FDs are maturing this month end and would like to take all precautions.
Thanks and regards
Roland Noronha
Anonymous
29 May 2021 at 20:11
We booked a plot with a developer with other people. All the money has been paid but no plot has been given so far in spite of of sending various speed post letters for the last 8 years.. Now all the people want to take collective action'
Please suggest
a) whether FIR can be filed by all collectively against the developer
b) To which court or authority all can approach collectively for filing a case for recovery of money from the developer with interest and compensation etc.
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Reference with no of copies of consumer complaint
While filing a consumer complaint in consumer forum, multiple sets has to be submitted before forum according to reference with number of opposite party(s). 1+1 set + number of opposite parties.
Along with complaint, there are several documents are attached which will be used as evidence,
1. Whether only complaint has to be copied or every document attached with complaint shall be copied along with it?
2. Whether forum itself serves the complaint to opposite party or consumer himself has to do the same?
Thank you.