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Master NDPS 2.0: Latest Legal Developments, Best Practices & Landmark Case Studies

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Member (Account Deleted)   29 November 2013 at 23:41

Forced and mis-selling of insurance policy

I AM A HOME LOAN CUSTOMER OF ICICI BANK.I HAVE BEEN MISGUIDED BY ICICI BANK SALES PERSON WHO MISGUIDED ME AT THE TIME OF SIGNING SANCTION LETTER WITH A TOP UP LOAN SANCTION LETTER.LATER ON WHEN I CAME TO KNOW ABOUT THIS TOP UP LOAN, I ASKED THE SALES PERSON ABOUT THE SAME HE SAID THAT IT WILL BE USED FOR INSURANCE POLICY. I TOLD THE SALES PERSON THAT I WAS UNAWARE ABOUT THE POLICY SO PLEASE CANCEL AS I DON'T WANT IT BUT HE KEPT ON FORCING ME THAT THIS IS COMPULSARY. HE ALSO EXPLAINED ME THAT THIS POLICY WILL HELP YOU IN CASE YOU FAIL TO PAY HOME LOAN DUE TO HEALTH PROBLEMS,LOSS IN BUSINESS AND IN CASE OF DEATH IT WILL PAY OFF YOUR OUTSTANDING DUES. I TOLD HIM THAT THIS TYPE OF CROSS SELLING IS NOT ALLOWED BY RBI AND ALSO TOLD HIM THAT IF THIS IS THE CONDITION I WILL NOT TAKE THE LOAN. AFTER THIS SALES PERSON TOLD SIR PLEASE DONT CANCEL THE LOAN I WILL CANCEL THE POLICY. ON 28/11/2013 I RECEIVED AN SMS FROM ICICI PRUDENTIAL STATING POLICY NO AND POLICY NAME, I HAVE NOT RECEIVED ANY POLICY KIT TILL NOW. WHEN I READ ABOUT THIS HOME PROTECT POLICY TERMS AND CONDITIONS ON ICICI PRU WEBSITE I CAME TO KNOW THAT THIS POLICY ONLY COVERS DEATH(NATURAL DEATH IS NOT COVERED) AND NOT ANY OTHER PROBLEM WHICH I WAS TOLD ABOUT THIS POLICY BY BANK. IN THIS CASE I AM MISGUIDED IN 2 WAYS. FIRSTLY THE POLICY IS FORCIBLY GIVEN TO ME AND SECONDLY THE TERMS AND CONDITIONS OF POLICY COMMUNICATED TO ME WERE FALSE. WHEN I CONTATCTED MY BRANCH THEY ARE SAYING THAT IT WILL NOT BE CANCELLED AT ANY COST AS IT IS ATTACHED WITH LOAN. I ALSO APPROACHED ICICI BANK CUSTOMER CARE FOR MY PROBLEM FIRSTLY THEY SAID INSURANCE IS NOT MANDATORY BUT AFTER TALKING TO MY BRANCH THEY ARE SAYING ITS MANDATORY IN YOUR CASE. I ALSO APPROACHED ICICI PRUDENTIAL TO CANCEL INSURANCE POLICY THEY ARE SAYING THAT FOR CANCELLING THIS POLICY OR EXCERCISING FREE LOOK PERIOD YOU NEED NOC FROM YOUR BANK AND ICICI BANK IS NOT GIVING ME NOC FOR CANCELLING THIS POLICY. I AM VERY FRUSTRATED WITH THE BANKS BEHAVIOUR AND REQUEST YOU TO GUIDE ME HOW CAN I GET OUT OF THIS PROBLEM.

M Ravinder Babu Advocate Parka   29 November 2013 at 23:10

Quash petition

what documents can be looked into by the judge in quashing the fir under482 crpc
judgements
m.ravinderbabu advocate.parkal.district warangal and
hyderabad

lawyers at citation

M Ravinder Babu Advocate Parka   29 November 2013 at 23:08

Quash petition

what documents can be looked into by the judge in quashing the fir under482 crpc
judgements

lawyers at citation

Nirmal Singh   29 November 2013 at 22:51

Questionnaire to accused

The accused was given interim bail by the court with a direction to join investigation in case u/s 409 IPC reg. misappropriation of official confidential record as he was alone custodian of that confidential record.During investigation it was clearly established during investigation that he was entrusted wih the Govt. record and he remained custodian of that record from 2002 to 2008, he remained absent from official duty deliberately to avoid summon to produce record in the court under his custody ,then a committed was formed which took the record under its custody by braking open his almirahs. If we serve him an questionnaire in written ,then can we use his written reply against him, if yes under which provision of law.

priyadarshee goutam   29 November 2013 at 21:45

Urgent help the total case

The victim name is Priya Kumari. Her age is 21+. She is being continuously harassed by her family members for her marriage. They stopped their studies and also didn’t allowed her for doing job. She is being tortured less physically and mentally by her parents from last 2 years till today .now she is currently residing at Kumarkhand ,dist-Madhepura ,Bihar. She was staying in Assam earlier and she was tortured physically and mentally by her parents. So she complained in police and then she was taken from there and brought to Bihar for marriage. Her family members fixed her marriage without telling her anything and the marriage date was 29th November 2013, but because of the complaint it was cancelled but today she is in same position as the before . But she complained in the police station that she is being forced to marry and got shelter home. Her brother named Amit Kumar Singh went there and he just convinced her telling he is in support of her. Then she made any agreement or not I don’t know because I could not contact her since then and they set up the situation like they told me to come over there within one month on or before 19th December,2013. She is also not getting any help from police. They threatened me and my family to kill if I will come over there. If I will go there as per the agreement it’s a great threat for me and as well as for my family. They threatened directly in the name of my sister that they are going to gang rape her. So, I am helpless and I cannot go there. Also I don’t have any official order from their side neither I am confirm whether or not the agreement is present or not since I did not get any copy of it. So today I am requesting to please help her as she is being forced to marry without her will. She needs support as well as security because she has attempted for suicide twice.

Siddharth   29 November 2013 at 21:21

Divorce enquiry

I am staying in Qatar from last 3months with my husband and kids. Because of his harrassments i want seperation from him. I am house wife i dont hv money to hire a laywer so how can i get justice? I dont want any alumni from husband i want only my kids they are ready to stay with me even my husband also ready for it. so what i hv to do i am not understanding and my husband is threating me if i take divorce or apply for divorce he will suicide himself what to do my position is i cant die because of my kids or live because of my husband,

surjit singh   29 November 2013 at 20:43

Can acr of a retired employees can be given under rti act

My query is can the ACR of a retired employees be given under RTI ACT. Any judgement on this matter.

Dileep   29 November 2013 at 19:46

Name misspelt on back side of first page of sale deed

Respected Sir,

I took new flat (under construction now). got the same registered on 16th Nov. Today I received the xerox copy of my sale deed. Noticed my name is mis-spelt. Please let me know if i need to go with Rectification/Correction Deed. If yes, any idea on what stamp value i need to get the same corrected.

Correct name : Venkata Naga Gangadhar dileep Juluri
Printed name : Venkata Naga Gangadhara dileep Juluri

Mistake is extra 'a' at end of "Gangadhar(a)"

Thanks a lot in advance.
Dileep.

SURESH OJHA   29 November 2013 at 19:42

What is "source of link"


Respected Sir,

I want to submit article on Taxation but why filing up the requisite information
could not understand the meaning of "Source of Link" kindly enlighten, so that
Article can be forwarded.

Inconvenience cause to you is deeply regretted.

With regards

Suresh Ojha
Advocate

Rohini   29 November 2013 at 19:26

Execution for recovery of possession

plaintiff filed a suit for declaration of title and recovery of possession under a registered sale deed against defendant. The plea of defendant is that the defendant and his brother purchased the suit land under simple sale deed from the same vendor.After full fledged trial the suit was decreed. The defendant preferred an appeal and it was dismissed and the second appeal is also dismissed infavour of defendant. Whereas the brother of defendant is not party to the suit. Recently defendant died. The suit land was in possession of defendant and brother of defendant. Now how the plaintiff succeed in recovery of suit land form the legal heirs of defendant and from the brother of defendant. please suggest me.