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(301) AJAY KUMAR ANANT PRASAD Vs. APOLLO HOSPITAL GROUP AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 22-05-2024
Consumer Law — Medical Report — Appellant filed a complaint after being declared "Unfit" for a job in Kuwait due to a medical report indicating HIV as "Provisionally Reactive." — Subsequent tests showed negative results for HIV —The main issue is whether the initial medical report by OP-1 and OP-2, which prevented the complainant from securing a job in Kuwait, was incorrect and constituted negligence — The complainant argues that the incorrect medical report caused him to lose a job opportunity,
India Law Library Docid # 2415366

(302) M/S RAJ GINNING INDUSTRIES Vs. M/S NEW INDIA ASSURANCE COMPANY LIMITED AND ANOTHER[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 21-05-2024
Consumer Law — Fire Insurance Claim — The complainant, a cotton ginning company, suffered a loss due to a fire and claimed insurance from New India Assurance Co. Ltd. and National Insurance Co. Ltd — The insurance was for stocks of cotton and related products — The main issue was whether the discharge vouchers signed by the complainant were obtained under duress, undue influence, or coercion by the insurance companies — The complainant argued that the settlement was accepted under protest due to
India Law Library Docid # 2415367

(303) RAJWINDER SINGH Vs. TATA AIG GENERAL INSURANCE COMPANY LIMITED AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 20-05-2024
Consumer Law — Accident Guard Policy — The complainant purchased an Accident Guard Policy and suffered an accident resulting in the amputation of two fingers — He claimed compensation under the policy but was only paid a fraction of the amount — The main issue is whether the complainant is entitled to compensation for the loss of two fingers under the terms of the Accident Guard Policy — The complainant argued that he is entitled to 10% of the sum assured as compensation for the disability suffe
India Law Library Docid # 2415368

(304) CENTRAL BANK OF INDIA Vs. ABHAY KUMAR JAIN[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 20-05-2024
Consumer Law — Banking — The complainant had a locker at the Central Bank of India, which was burglarized, resulting in the loss of ornaments valued at Rs.1,85,780/- — The main issue was whether the bank was liable for the theft from the locker and if so, what compensation was due to the complainant — The bank argued that there was no negligence on its part and that the relationship with the complainant was that of lessor and lessee, not bailer and bailee — The complainant argued that the bank w
India Law Library Docid # 2415369

(305) JATIN KUMAR VERMA Vs. SUMIT GARG AND ANOTHER[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 20-05-2024
Consumer Law — Jurisdiction — The case revolves around the ‘jurisdiction’ of the District Forum in a complaint filed for Rs.5,00,000/- against the purchase of property valued at Rs.65,00,000/- — The main issue is whether the District Forum has the jurisdiction to entertain the complaint, considering the total value involved exceeds 20 Lakh — The Petitioner contends that jurisdiction should be based on the complaint's claim (Rs.5,00,000/-) and not the property's value, citing the Consumer Protect
India Law Library Docid # 2415370

(306) M/S MATRIX. THROUGH ITS PROPRIETOR, MR. RAJIV SAWHNEY Vs. AXIS BANK[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 20-05-2024
Consumer Law — Banking — The complainant, M/S MATRIX, faced a reduction in credit limit by Axis Bank from Rs. 2,30,00,000 to Rs. 1,50,00,000 in 2014, leading to alleged losses and unfair trade practices — The main issue is whether the bank's actions constituted a deficiency in service and unfair trade practices, and if the complaint is maintainable under the Consumer Protection Act, 2019 — M/S MATRIX argues there was no default on their part, and the bank's actions, including arbitrary deduction
India Law Library Docid # 2415376

(307) PUBLIC HEALTH FOUNDATION OF INDIA Vs. CENTRAL BANK OF INDIA AND ANOTHER[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 16-05-2024
Banking Law —The Public Health Foundation of India (PHFI) filed a complaint against Central Bank of India for the refund of Rs.25 crores with interest, compensation for incomplete projects due to lack of funds, litigation costs, and other reliefs, alleging embezzlement and non-adherence to KYC norms — The main issues revolved around the alleged opening of an overdraft account by the bank using fabricated documents, leading to the embezzlement of Rs.25 crores belonging to PHFI, and the subsequent
India Law Library Docid # 2415373

(308) SRI PATHY ASSOCEATES PRIVATE LIMITED Vs. THE BRANCH MANAGER, NATIONAL INSURANCE CO. LTD. AND OTHERS[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 16-05-2024
Consumer Law — Contractors All Risk Insurance Policy — The case involves a dispute over two insurance claims under a Contractors All Risk Insurance Policy issued by National Insurance Co. for a breakwater construction project in Tamil Nadu. The claims were related to damages caused by heavy storms and waves — The main issues are the alleged deficiency in service by the insurance company, repudiation of the insurance claims, and whether there was a deviation from the design and terms of the contr
India Law Library Docid # 2415374

(309) STEEL AUTHORITY OF INDIA Vs. NATIONAL INSURANCE COMPANY LTD.[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 16-05-2024
Consumer Law — Mediclaim — The case involves a dispute over the extension of a Mediclaim Scheme by Steel Authority of India (SAIL) for its retired employees. SAIL extended the scheme for 3 months, but the National Insurance Company reduced the OPD coverage amounts unilaterally — The main issue is whether the unilateral reduction of OPD coverage amounts by the National Insurance Company constitutes a deficiency in service — SAIL argues that the reduction in OPD coverage is a violation of the cont
India Law Library Docid # 2415375

(310) LIFE INSURANCE CORPORATION OF INDIA Vs. PITTALA POCHAMMA @ POSCHAMMA[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 15-05-2024
Consumer Law — Inurance Claims — The complainant, the wife and nominee, filed a complaint due to non-payment of insurance claims by LIC after her husband's murder — Multiple policies totaling Rs. 2,55,000 were in question — The primary issue was whether the policies were lapsed at the time of the policyholder's death and whether LIC had informed the policyholder or his employer about the premium payment defaults —LIC argued that the policies lapsed due to non-payment of premiums after the policy
India Law Library Docid # 2415371

(311) UNITED COMMERCIAL BANK Vs. AMARJEET SINGH[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 15-05-2024
Banking Law — The Complainant had a joint savings account with his late wife and requested the Petitioner bank to deduct premiums for the Pradhan Mantri Suraksha Bima Yojana (PMSBY) for both. The premium for his wife was not deducted despite submission of the application form, and she was not covered by the scheme at the time of her death in a road accident — The main issue was whether the Petitioner bank was at fault for not deducting the premium or informing the Complainant about the non-recei
India Law Library Docid # 2415372

(312) SMT. BUDHWARA CHOUHAN W/O. LATE SHRI JAGATRAM AND OTHERS Vs. MANAGER/ PROPRIETOR, VENUS HOSPITAL RAIGARH,DR. SUNIL RATRE AND OTHERS[CHHATTISGARH STATE CONSUMER DISPUTES REDRESSAL COMMISSION] 14-05-2024
Consumer Law - Medical Negligence - The case revolved around whether the hospital and its doctors were negligent in treating the appellants, who suffered a loss of vision after cataract surgery - The appellants claimed that the hospital did not inform them about potential complications post-operation, leading to their loss of vision - The respondents denied these claims, stating that the surgeries were performed correctly and any vision loss was due to pre-existing conditions - The Chhattisgarh
India Law Library Docid # 2415036

(313) THE ORIENTAL INSURANCE COMPANY LTD Vs. SMT. KAVERIBAI AND OTHERS[MAHARASHTRA STATE CONSUMER DISPUTE REDRESSAL COMMISSION] 14-05-2024
Consumer Law – Insurance claim - The case revolves around an insurance claim involving a deceased individual who had a medi-claim policy of Rs. 4,50,000 - The deceased claimed Rs. 7,55,752 for hospitalization expenses, with the insurance company paying Rs. 2,50,156 - The dispute revolves around whether the insurance company is liable to pay the remaining claim amount under the old policy or the new policy, considering the overlapping hospitalization period during policy renewal - The insurance
India Law Library Docid # 2415037

(314) THE MANAGER, KOTAK MAHINDRA BANK LTD. AND OTHERS Vs. PARTAP SINGH SON OF SAWARAJ SINGH[HARYANA STATE CONSUMER DISPUTES REDRESSAL COMMISSION] 14-05-2024
Consumer Law - Illegal repossession - The dispute revolves around a financed tractor dispute, with the respondent accusing Kotak Mahindra Bank Ltd of illegal repossession - The appellants claim they followed due process and repossessed the tractor for non-payment, while the respondent claims it was taken without notice, causing mental agony and a deficiency in service - The State Consumer Disputes Redressal Commission upheld the District Commission's order, directing the appellants to deduct pai
India Law Library Docid # 2415038

(315) HDFC ERGO GENERAL INSURANCE COMPANY LTD. AND OTHERS Vs. SHUBH LATA AND OTHERS[PUNJAB STATE CONSUMER DISPUTES REDRESSAL COMMISSION] 14-05-2024
Consumer Law -Housing loan – Claim - The insurance company argued that the cause of death was not covered under the policy, but the court upheld the District Commission's order, dismissing HDFC ERGO's appeal and partially allowing HDFC Bank's appeal - The court found the insured's condition was chronic and covered under 'Major Medical Illness', thus the claim rejection was unjustified - HDFC ERGO was directed to settle the loan with HDFC Bank and compensate Shubh Lata, while HDFC Bank could clai
India Law Library Docid # 2415040

(316) M/S JABALPUR TRACTORS PVT.LTD. Vs. AIR COMMAND INDIA LIMITED AND OTHERS[MADHYA PRADESH STATE CONSUMER DISPUTES REDRESSAL COMMISSION] 14-05-2024
Consumer Law – Defective Air conditioners - In 1995, a complainant purchased five air conditioners that were not functioning properly - The District Commission ordered a refund and compensation, but the complainant claimed the full amount was not paid, while the respondents claimed a compromise was reached - The complainant argued they did not accept the compromise or partial payment, and the execution court should not alter the original decree - The respondents claimed they paid Rs.1,60,000 and
India Law Library Docid # 2415041

(317) OFFICER-IN-CHARGE AND ANOTHER Vs. AMRITLAL YADAV[MADHYA PRADESH STATE CONSUMER DISPUTES REDRESSAL COMMISSION] 14-05-2024
Consumer Law – Electricity – Inflated Bills - Domestic electricity customer, filed a complaint against the electricity company for billing inflated bills during a non-functional transformer - The company argued that the bills were based on actual consumption and that Yadav never reported a transformer defect - The State Commission dismissed the complaint, stating it was vague and unproven, lacking evidence of other affected consumers or proper documentation - The absence of seals, signatures, af
India Law Library Docid # 2415042

(318) SMT. RAMSHRI TOMAR Vs. CHOLAMANDLAM MS GENERAL INSURANCE COMPANY LIMITED THROUGH MANAGER AND OTHER[MADHYA PRADESH STATE CONSUMER DISPUTES REDRESSAL COMMISSION] 14-05-2024
Consumer Law – Theft of Vehicle - The appellant's truck was stolen, and her insurance claim was denied due to delayed intimation and policy violation - The appellant argued that her father-in-law's illness caused the delay, and the insurance company unfairly repudiated her claim - The court dismissed her appeal, stating that there was a clear violation of policy terms due to delayed intimation to the police and the insurance company - Supreme Court judgments emphasized the importance of immedia
India Law Library Docid # 2415043

(319) ORIENTAL INSURANCE CO.LTD. AND OTHERS Vs. SHAILENDRA KUMAR PATEL[MADHYA PRADESH STATE CONSUMER DISPUTES REDRESSAL COMMISSION,] 13-05-2024
Consumer Law – Theft of Vehicle - Vehicle was insured with Oriental Insurance Company and was involved in an accident, resulting in the theft of the engine, gear box, and battery - The insurance company offered compensation, but the complainant refused, leading to a dispute over liability - The insurance company argued they were not liable for the theft as the vehicle was left unattended - The complainant claimed the company assessed the loss on a total loss basis and was entitled to Rs.4,82,078
India Law Library Docid # 2415039

(320) UNITED INDIA INSURANCE CO. LTD. Vs. M/S. KHADI UDHYOG[NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION] 10-05-2024
Fire Insurance Policy – Repudiation of Claim - Investigator's and surveyor's reports - The State Commission's decision to settle a claim at 75% despite a surveyor's report, led to the claim's repudiation, was disputed by the appellant - The respondent argued that the surveyor's report was unreliable and biased, and the State Commission correctly pointed out the appellant's unjust repudiation - The National Consumer Disputes Redressal Commission set aside the order, allowing the appeal and statin
India Law Library Docid # 2414900