BEFORE THE DISTRICT CONSUMER DISPUTES
REDRESSAL FORUM., QUTUB INSTITUTIONAL AREA,
NEW DELHI.
Consumer Complaint No. ________ /2015
In the matter of:-
Gurpal Singh
Son of Late Sh. Gurcharan Singh
R/o B-7, Extn., 13, Safdarjung Enclave,
New Delhi-110029 … Complainant
Versus
M/s Bharti Axa Life Insurance Co. Ltd.
2nd Floor, Vardhman Trade Centre,
Nehru Place, New Delhi-110019.
Through its Branch Manager. … Respondent
CONSUMER COMPLAINT UNDER SECTION 12 OF
THE CONSUMER PROTECTION ACT, AS AMENDED
UPTODATE.
Most Respectfully Showeth:-
1. That the complainant is a consumer as defined in Section
2(d) of the Consumer Protection Act.
2. That the opposite party is a Limited Company, engaged in
the business of providing insurance policies against
premium.
3. That one Mr. Vikas Puri, an agent of the opposite party
approached the complainant for taking Policy for
complainant’s minor daughter namely Manpreet Kaur Saini
to which the complainant consented.
4. That as demanded by the above said agent of the
respondent, the complainant paid the first premium of Rs.
25,000/- and the complainant was issued policy No. 500-
1377216 in which the above said daughter of the
complainant was insured and the complainant has been
shown as nominee/guardian. Photocopy of the policy is
annexed herewith.
5. That thereafter the complainant paid further three
premiums of Rs. 25,000/- each, as such deposited the whole
premium of RS. 1,00,000/- with the opposite party.
Photocopies of the receipts are annexed herewith.
6. That as per the scheme of the respondent, the assured
amount of the above said policy was required to be
refunded to the complainant on expiry of five years.
Accordingly on expiry of stipulated period of 05 years, the
complainant contacted the above said agent of the
respondent and as required by him, the complainant handed
over all the original documents to him for processing the
same for the purpose of payment of maturity value of the
above said insurance policy.
7. That even after lapse of one year, from the date when the
above said agent took the original documents, the
complainant had not received the maturity value of the
above said policy, whereas the complainant visited the
above said agent of the respondent time and again and all
the time he took different excuses.
8. That finding no alternative, the complainant got issued a
demand notice dated 3.5.2014, received by the respondent
by hand on 5.5.2014, whereby calling upon the respondent
to make the payment of maturity value of the above said
policy alongwith interest @ 18% p.a. from the date of
majority till realization of the amount and also to pay a
compensation of Rs. 1,00,000/- for causing mental agony,
pain and sufferings to the complainant, within 15 days of
the receipt of the notice. Copy of notice is annexed
herewith.
9. That even after receipt of notice, the respondent/opposite
party has neither complied with the requirements of the
said notice, nor even bothered to reply the same till date.
10. That from the above, it is crystal clear that the opposite
party is indulging in unfair trade practice and has provided
deficient services to the complainant.
11. That the maturity value of the above said insurance policy
is legally payable by the respondent to the complainant and
the complainant legally entitled to the same.
12. That since the opposite party has not paid the maturity
value of the above said insurance policy till date even after
repeated requests by the complainant and even after service
of legal notice, thereby provided deficient services to the
complainant apart from causing mental agony, pain,
suffering and financial losses, as the respondent is liable to
make good all the losses suffered by the complainant by
paying compensation to the complainant.
13. That the Hon’ble Forum has the jurisdiction to entertain
and decide the present complaint.
14. That the requisite fee of Rs. ______ is being paid by way of
postal order annexed herewith.
It is, therefore, most respectfully prayed that this Hon’ble
Forum may very graciously be pleased to:-
(i) direct the opposite party to pay the maturity value of the
above said insurance policy alongwith interest @ 18% p.a.
from the date of maturity, till realization of the amount;
(ii) direct the opposite party to pay compensation of Rs.
1,00,000/- to the complainant for causing mental agony,
pain and other sufferings;
(iii) direct the opposite party to pay litigation expenses of Rs.
25,000/- to the complainant;
(iv) pass such other of further order/orders which this Hon’ble
Fourm may deem fit and proper in the facts and
circumstances of the case;
New Delhi Complainant
Dated: (In Person)
BEFORE THE DISTRICT CONSUMER DISPUTES
REDRESSAL FORUM., QUTUB INSTITUTIONAL AREA,
NEW DELHI.
Consumer Complaint No. ________ /2015
In the matter of:-
Gurpal Singh … Complainant
Versus
M/s Bharti Axa Life Insurance Co. Ltd. … Respodent
AFFIDAVIT
I, Gurpal Singh Son of Late Sh. Gurcharan Singh, R/o B-7,
Extn., 13, Safdarjung Enclave, New Delhi-110029, do hereby
solemnly affirm and declare as under:-
1. That I am the complainant in the above matter and am well
conversant with the facts and circumstances of the case,
hence competent to depose.
2. That the accompanying complaint has been drafted by my
counsel under my instructions and the contents of the same
are true and correct to my knowledge and belief.
Deponent.
Verification:
Verified at New Delhi on this day of April, 2015 that
the contents of the above affidavit are true and correct to my
knowledge and belief.
Deponent.
BEFORE THE DISTRICT CONSUMER DISPUTES
REDRESSAL FORUM., QUTUB INSTITUTIONAL AREA,
NEW DELHI.
Consumer Complaint No. ________ /2015
In the matter of:-
Mrs. Amrit Kaur
W/o Mr. Gurpal Singh
R/o B-7, Extn., 13, Safdarjung Enclave,
New Delhi-110029 … Complainant
Versus
M/s Bharti Axa Life Insurance Co. Ltd.
2nd Floor, Vardhman Trade Centre,
Nehru Place, New Delhi-110019.
Through its Branch Manager. … Respondent
CONSUMER COMPLAINT UNDER SECTION 12 OF
THE CONSUMER PROTECTION ACT, AS AMENDED
UPTODATE.
Most Respectfully Showeth:-
1. That the complainant is a consumer as defined in Section 2(d)
of the Consumer Protection Act.
2. That the opposite party is a Limited Company, engaged in the
business of providing insurance policies against premium.
3. That one Mr. Vikas Puri, an agent of the opposite party
approached the complainant for taking Policy to which the
complainant consented.
4. That as demanded by the above said agent of the respondent,
the complainant paid the first premium of Rs. 25,000/- and the
complainant was issued policy No. 500-1877843, in which the
complainant was insured for a sum of Rs. 2,50,000/-.
Photocopy of the policy is annexed herewith.
5. That thereafter the complainant paid further three premiums of
Rs. 25,000/- each, as such deposited the whole premium of RS.
1,00,000/- with the opposite party. Photocopies of the receipts
are annexed herewith.
6. That as per the scheme of the respondent, the assured amount
of the above said policy was required to be refunded to the
complainant on expiry of five years. Accordingly on expiry of
stipulated period of 05 years, the complainant contacted the
above said agent of the respondent and as required by him, the
complainant handed over all the original documents to him for
processing the same for the purpose of payment of maturity
value of the above said insurance policy.
7. That even after lapse of one year, from the date when the
above said agent took the original documents, the complainant
had not received the maturity value of the above said policy,
whereas the complainant visited the above said agent of the
respondent time and again and all the time he took different
excuses.
8. That finding no alternative, the complainant got issued a
demand notice dated 3.5.2014, received by the respondent by
hand on 5.5.2014, whereby calling upon the respondent to
make the payment of maturity value of the above said policy
alongwith interest @ 18% p.a. from the date of majority till
realization of the amount and also to pay a compensation of
Rs. 1,00,000/- for causing mental agony, pain and sufferings to
the complainant, within 15 days of the receipt of the notice.
Copy of notice is annexed herewith.
9. That even after receipt of notice, the respondent/opposite party
has neither complied with the requirements of the said notice,
nor even bothered to reply the same till date.
10.That from the above, it is crystal clear that the opposite party is
indulging in unfair trade practice and has provided deficient
services to the complainant.
11.That the maturity value of the above said insurance policy is
legally payable by the respondent to the complainant and the
complainant legally entitled to the same.
12.That since the opposite party has not paid the maturity value of
the above said insurance policy till date even after repeated
requests by the complainant and even after service of legal
notice, thereby provided deficient services to the complainant
apart from causing mental agony, pain, suffering and financial
losses, as the respondent is liable to make good all the losses
suffered by the complainant by paying compensation to the
complainant.
13.That the Hon’ble Forum has the jurisdiction to entertain and
decide the present complaint.
14. That the requisite fee of Rs. ______ is being paid by way of
postal order annexed herewith.
It is, therefore, most respectfully prayed that this Hon’ble
Forum may very graciously be pleased to:-
(i) direct the opposite party to pay the maturity value of the
above said insurance policy i.e. Rs. 2,50,000/- alongwith
interest @ 18% p.a. from the date of maturity, till
realization of the amount;
(ii) direct the opposite party to pay compensation of Rs.
1,00,000/- to the complainant for causing mental agony,
pain and other sufferings;
(iii) direct the opposite party to pay litigation expenses of Rs.
25,000/- to the complainant;
(iv) pass such other of further order/orders which this Hon’ble
Fourm may deem fit and proper in the facts and
circumstances of the case;
New Delhi Complainant
Dated: (In Person)
BEFORE THE DISTRICT CONSUMER DISPUTES
REDRESSAL FORUM., QUTUB INSTITUTIONAL AREA,
NEW DELHI.
Consumer Complaint No. ________ /2015
In the matter of:-
Smt. Amrit Kaur … Complainant
Versus
M/s Bharti Axa Life Insurance Co. Ltd. … Respodent
AFFIDAVIT
I, Smt. Amrit Kaur W/o Sh. Gurpal Singh, R/o B-7, Extn.,
13, Safdarjung Enclave, New Delhi-110029, do hereby solemnly
affirm and declare as under:-
1. That I am the complainant in the above matter and am well
conversant with the facts and circumstances of the case, hence
competent to depose.
2. That the accompanying complaint has been drafted by my
counsel under my instructions and the contents of the same are
true and correct to my knowledge and belief.
Deponent.
Verification:
Verified at New Delhi on this day of April, 2015 that
the contents of the above affidavit are true and correct to my
knowledge and belief.
Deponent.
BEFORE THE DISTRICT CONSUMER DISPUTES
REDRESSAL FORUM, QUTUB INSTITUTION AREA, N.
DELHI
Complaint No. 157/2015
In the matter of:-
Mr. Gurpal Singh … Complainant
Versus
Bharti Axa Life Insurance Co. Ltd. … Respondent
DOH. : 15.11.2017
EVIDENCE BY WAY OF AFFIDAVIT OF THE
COMPLAINANT AS CW-1.
AFFIDAVIT
I, Gurpal Singh S/o Late Shri Gurcharan Singh, Resident of
B-7/13 Extn., Safdarjung Enclave, New Delhi, do hereby
solemnly affirm and declare as under:-
1. That the deponent is the complainant in the above matter
and is well conversant with the facts and circumstances of
the case, hence competent to depose.
2. That the deponent is a consumer as defined in Section 2(d)
of the Consumer Protection Act.
3. That the opposite party is a Limited Company, engaged in
the business of providing insurance policies against
premium.
4. That one Mr. Vikas Puri, an agent of the opposite party
approached the deponent for taking Policy for deponent’s
minor daughter namely Manpreet Kaur Saini to which the
deponent consented.
5. That as demanded by the above said agent of the
respondent, the deponent paid the first premium of Rs.
25,000/- and the deponent was issued policy No. 500-
1377216 in which the above said daughter of the deponent
was insured and the deponent has been shown as
nominee/guardian. Photocopy of the policy is EX. CW-
1/1.
6. That thereafter the deponent paid further three premiums of
Rs. 25,000/- each, as such deposited the whole premium of
RS. 1,00,000/- with the opposite party. Photocopies of the
receipts are Ex. CW-1/2 (Colly).
6. That as per the scheme of the respondent, the assured
amount of the above said policy was required to be
refunded to the deponent on expiry of five years.
Accordingly on expiry of stipulated period of 05 years, the
deponent contacted the above said agent of the respondent
and as required by him, the deponent handed over all the
original documents to him for processing the same for the
purpose of payment of maturity value of the above said
insurance policy.
7. That even after lapse of one year, from the date when the
above said agent took the original documents, the deponent
had not received the maturity value of the above said
policy, whereas the deponent visited the above said agent
of the respondent time and again and all the time he took
different excuses.
8. That finding no alternative, the deponent got issued a
demand notice dated 3.5.2014, received by the respondent
by hand on 5.5.2014, whereby calling upon the respondent
to make the payment of maturity value of the above said
policy alongwith interest @ 18% p.a. from the date of
majority till realization of the amount and also to pay a
compensation of Rs. 1,00,000/- for causing mental agony,
pain and sufferings to the deponent, within 15 days of the
receipt of the notice. Copy of notice is Ex. CW-1/3.
9. That even after receipt of notice, the respondent/opposite
party has neither complied with the requirements of the
said notice, nor even bothered to reply the same.
10. That from the above, it is crystal clear that the opposite
party is indulging in unfair trade practice and has provided
deficient services to the deponent.
11. That the maturity value of the above said insurance policy
is legally payable by the respondent to the deponent and the
deponent legally entitled to the same.
12. That since the opposite party has not paid the maturity
value of the above said insurance policy till date even after
repeated requests by the deponent and even after service of
legal notice, thereby provided deficient services to the
deponent apart from causing mental agony, pain, suffering
and financial losses, as the respondent is liable to make
good all the losses suffered by the deponent by paying
compensation to the deponent.
13. That the deponent is entitled to the relief as prayed for in
the complaint.
14. That the complaint filed by the deponent is true and correct
and the same bears signature of the deponent at point ‘A’
and the complaint is Ex. CW-1/4.
Deponent.
Verification:
Verified at New Delhi on this day of 2017 that
the contents of the above affidavit are true and correct to my
knowledge and belief.
Deponent.
BEFORE THE DISTRICT CONSUMER DISPUTES
REDRESSAL FORUM, QUTUB INSTITUTION AREA, N.
DELHI
Complaint No. 158/2015
In the matter of:-
Mrs. Amrit Kaur … Complainant
Versus
Bharti Axa Life Insurance Co. Ltd. … Respondent
DOH. : 15.11.2017
EVIDENCE BY WAY OF AFFIDAVIT OF THE
COMPLAINANT AS CW-1.
AFFIDAVIT
I Amrit Kaur W/o Mr. Gurpal Singh S/o Late Shri
Gurcharan Singh, Resident of B-7/13 Extn., Safdarjung Enclave,
New Delhi, do hereby solemnly affirm and declare as under:-
1. That the deponent is the complainant in the above matter
and is well conversant with the facts and circumstances of
the case, hence competent to depose.
2. That the deponent is a consumer as defined in Section 2(d)
of the Consumer Protection Act.
3. That one Mr. Vikas Puri, an agent of the opposite party
approached the deponent for taking Policy to which the
deponent consented.
4. That as demanded by the above said agent of the
respondent, the deponent paid the first premium of Rs.
25,000/- and the deponent was issued policy No. 500-
1877843, in which the deponent was insured for a sum of
Rs. 2,50,000/-. Photocopy of the policy is Ex. CW-1/1.
5. That thereafter the deponent paid further three premiums of
Rs. 25,000/- each, as such deposited the whole premium of
RS. 1,00,000/- with the opposite party. Photocopies of the
receipts are Ex. CW-1/2.
6. That as per the scheme of the respondent, the assured
amount of the above said policy was required to be
refunded to the deponent on expiry of five years.
Accordingly on expiry of stipulated period of 05 years, the
deponent contacted the above said agent of the respondent
and as required by him, the deponent handed over all the
original documents to him for processing the same for the
purpose of payment of maturity value of the above said
insurance policy.
7. That even after lapse of one year, from the date when the
above said agent took the original documents, the deponent
had not received the maturity value of the above said
policy, whereas the deponent visited the above said agent
of the respondent time and again and all the time he took
different excuses.
8. That finding no alternative, the deponent got issued a
demand notice dated 3.5.2014, received by the respondent
by hand on 5.5.2014, whereby calling upon the respondent
to make the payment of maturity value of the above said
policy alongwith interest @ 18% p.a. from the date of
majority till realization of the amount and also to pay a
compensation of Rs. 1,00,000/- for causing mental agony,
pain and sufferings to the deponent, within 15 days of the
receipt of the notice. Copy of notice is Ex. CW-1/3.
9. That even after receipt of notice, the respondent/opposite
party has neither complied with the requirements of the
said notice, nor even bothered to reply the same.
10. That from the above, it is crystal clear that the opposite
party is indulging in unfair trade practice and has provided
deficient services to the deponent.
11. That the maturity value of the above said insurance policy
is legally payable by the respondent to the deponent and the
deponent legally entitled to the same.
12. That since the opposite party has not paid the maturity
value of the above said insurance policy till date even after
repeated requests by the deponent and even after service of
legal notice, thereby provided deficient services to the
deponent apart from causing mental agony, pain, suffering
and financial losses, as the respondent is liable to make
good all the losses suffered by the deponent by paying
compensation to the deponent.
13. That lateron it was discovered that the above said agent of
the respondent provided forged and fabricated receipts and
had not deposited the premium amount with the respondent
company and now he is depositing the premium and sent
SMS to the husband of the deponent for collecting receipt
from e-mail as such for committing illegal act by the agent
of the respondent, he is liable to be prosecuted under the
relevant provisions of criminal law.
14. That the deponent is entitled to the relief as prayed for in
the complaint.
15. That the complaint filed by the deponent is true and correct
and the same bears signature of the deponent at point ‘A’
and the complaint is Ex. CW-1/4.
Deponent.
Verification:
Verified at New Delhi on this day of 2017 that
the contents of the above affidavit are true and correct to my
knowledge and belief.
Deponent.
