Ld. Advocate(s)

                                    For Complainant: Suman Chakraborty.

                                    For OP/OPs : None

            Date of filing of the case                       :12.03.2024

            Date of Disposal  of the case               :30.07.2024

Final Order / Judgment dtd.30.07.2024

 The pith and substance of the case of the complainant  is that the complainant Nina Das and her husband Dr. Swapan Das wanted to purchase a flat  in Kolkata. Accordingly,  they visited  the building  constructed  by Jain Group Projects Private Limited at 6 B2 flat for Rs.64,95,167/- on 28.02.2021. The complainant  paid some down payment.  On 17.03.2021 two persons  came to the  house of the complainant  at Ranaghat  and introduced  them as staff of HDFC Bank and wanted  to offer  loan of Rs.30,00,000/- for purchasing  the flat.  The said persons  obtained  some signatures  in different documents  for taking loan . Thereafter,  the complainant  received  one home loan agreement   along with  some documents  and member’s certificate  of insurance  of HDFC Life Group  Credit Protect Plus Insurance plan  UIN 101N096V03 and deducted  Rs.1,73,671.58 as single  premium  from his account against the  said policy. The said policy was  commenced  in the name of Dr. Swapan Das . The complainant had been paying  EMI of the home loan  regularly  but the OP No.1 HDFC Life Insurance Company  never since  the said policy Bond. Subsequently , the said Dr. Swapan Das  died on 10.07.2023. So, the complainant filed  a claim application to the  OP No.1 being claimed  no. PC267728 but the OP No.1 repudiated  the said claim on the ground  that the life assured  was suffering  from diabetes  prior to the policy.  The complainant  submitted  e-mails on 01.11.2023 and 02.11.2023 to the OP No.1 for the original  policy  Bond  but they did not  respond . The OP No.1 obtained  the signature  by suppressing  the entire incident  about purchasing  of the policy.  The Ops  arbitrarily  and whimsically  altered  mode of payment  from single  to monthly  and credit  against new  loan account apart from the original loan account  and deducted Rs.33266/- per month  extra  from her account.  The Ops  thus deducted  total Rs.23562/- from the  bank account  of the complainant.  The OP No.1 did not render  proper service  to the complainant  and thereby harassed  them. The aforesaid  acts  of the Ops  cost deficiency in service  and unfair trade practice. So, the present case is filed. The cause of action arose on 09.10.2023.  The complainant prayed for an award  for Rs.1773672/- being  the entire  sum assured along with other death  benefits,  a direction to  OP No.2 to adjust the loan account after receiving the  entire amount from OP No.1, further  direction to  OP No.1 to pay 12% interest on the sum assured and to stop Ops to recovery  from the  complainant  against the new  loan account, a further direction to refund the entire  amount of Rs. 23562 with 12% interest , Rs.50,000/- towards compensation for harassment  and mental pain  and agony and Rs.50,000/- towards litigation cost.

The notice  of the case was served upon the  Ops. As per order no. 4 the Ops  preferred not to contest the case  and as such  the case is decided to be heard ex-parte  against all the Ops.

The complainant  in order to substantiate the case proved  the following documents :-

A:-HDFC LIC Certificate  in the name of Swapan Das.

B:- Discharge Summary  of Swapan Das dated 23.05.2022.

C:- TATA Memorial Hospital advice on discharge.

D:- Advice of TATA Memorial Hospital to Swapan Das.

E:- Death Certificate issued by Dr. Sanjoy Roy Chowdhury on 10.07.2023.

F:- Death Certificate  issued by Ranaghat Municipality.

G:- HDFC claim repudiation  letter.

H:- Copy of e-mail  sent by complainant to the OPs.

I:- Copy of e-mail sent by complainant  to the OPs.

J:- Copy of e-mail sent by advocate  of the complainant Suman Chakraborty  to the OPs.

K:- Bank statement of Nina Das and Swapan Das.

The complainant adduced oral evidence  in the form of affidavit in chief on 19.07.2024 before this Commission. The complainant  categorically  stated the entire facts and allegation  by affidavit in chief. The entire  oral and documentary evidence  of the complainant stands unchallenged and undiscarded. The opposite parties  did not cross-examine the complainant Nina Das  in course of trial of this case since  the case is heard ex-parte.

The complainant  duly proved all the documents  as above, as annexure-A to K which corroborate the case of the complainant.

The opposite parties  could not adduce  any evidence in their  favour. The opposite parties  could not make out  any defence case. After assessing  the entire oral  and documentary evidence  the Commission  comes to the finding  that the complainant  duly proved  the case against the opposite parties.  It stands well proved that  the opposite parties  did not  pay  the policy Bond money to the  complainant  and whimsically  repudiated the  genuine  claim. The ground for rejection of the claim by the OPs could not be  established. Therefore, the allegation of the  complainant  that the OPs repudiated  the claim of the   complainant arbitrarily  stands well established.

On the basis of the aforesaid  discussion  and observation made hereinabove  the Commission  comes  to the  finding that complainant successfully proved the case against the opposite parties ex-parte upto the hilt.

In the result complaint case succeeds ex-parte  against all the opposite parties.

Hence,

                              It is

Ordered

that the complaint case no.CC/21/2024 be and the same is allowed ex-parte against all the OPs and dismissed against Proforma OP. The complainant do get an award against the OPs with a direction to pay the  entire sum assured  money for Rs.17,73,672/- (Rupees seventeen lakh seventy three thousand  six hundred seventy two) to the  complainant along with  other death benefits of Swapan Das,  further direction  to OP No.2 to adjust  the loan account no.661253831 in the name of Swapan Das  after receiving  the amount from the OP NO.1, another direction  to OPs  to stop her new loan account no.662031012, further direction to the OP No.1&2 to refund Rs.23,562/- (Rupees twenty three thousand five hundred sixty two) to the complainant  along with 12% interest, to pay Rs.20,000/- ( Rupees twenty thousand) towards harassment  and mental pain and agony and Rs.10,000/- (Rupees ten thousand) towards litigation cost. The OPs are directed to  pay the aforesaid award money and comply with the award  within 30 days  from the date of passing the final award failing which  the entire award money shall carry an interest @8% p.a from the date of passing the final order till the date of its realisation.

All Interim Applications  (I.A) stand disposed of  accordingly.

D.A to note in the trial register.

The case is accordingly disposed of.

Let a copy of this final order be supplied to both the parties at free of costs.                   

Dictated & corrected by me

 ............................................

                PRESIDENT

(Shri   HARADHAN MUKHOPADHYAY,)                                      ................ ..........................................

                                                                                                                          PRESIDENT

                                                                                                 (Shri   HARADHAN MUKHOPADHYAY,)

I  concur,

  ........................................                                              

          MEMBER                                                                   

(  SHRI NIROD  BARAN   ROY  CHOWDHURY)