Binoy Kumar Bhuin & Others v. Mr. D.K. Das, Chief Manager, Arambagh Branch, LIC of India

STATE CONSUMER DISPUTES REDRESSAL COMMISSION

WEST BENGAL

11A, Mirza Ghalib Street, Kolkata - 700087 First Appeal No. A/855/2018

( Date of Filing : 05 Oct 2018 ) (Arisen out of Order Dated 17/09/2018 in Case No. Complaint Case No. CC/39/2017 of District Hooghly)

1. Binoy Kumar Bhuin & Others Vill. & P.O. - Sripur, Dist. Hooghly, Pin - 721 612.

2. Rita Bhuin W/o Binoy Kr. Bhuin, Vill. & P.O. - Sripur, Dist. Hooghly, Pin - 721 612.

3. Abhik Bhuin S/o Binoy Kr. Bhuin, Vill. & P.O. - Sripur, Dist. Hooghly, Pin - 721 612. ...........Appellant(s)

Versus

1. Mr. D.K. Das, Chief Manager, Arambagh Branch, LIC of India

Chief Manager, Arambagh Br. LIC of India, Gourhati More, Arambagh, Hooghly - 712 601.

2. Mr. AK Das, MGR/CRM, LIC of India Divisional office, Howrah, Rallis Building, 4th Floor, 16, Hare Street, Kolkata -1.

3. Sri Dinabandhu Nandi, Development Officer, LIC Office Arambagh, Vill. & P.O. - Sripur, Dist. Hooghly, Pin - 712 612. ...........Respondent(s)

BEFORE:

HON'BLE MR. SHYAMAL GUPTA PRESIDING MEMBER HON'BLE MR. UTPAL KUMAR BHATTACHARYA MEMBER For the Appellant: In Person, Advocate For the

Respondent: Ms. Tanusree Dasgupta.., Advocate Dated : 17 Jul 2019

Final Order / Judgement

Sri Shyamal Gupta, Member

Challenging the decision of the Ld. District Forum to dismiss their complaint case vide impugned order, this Appeal is moved by Sri Binoy Kumar Bhuin & Ors. The dispute between the parties, as it emerges from the documents on record, relates to 5 insurance policies stood in the names of the Appellants. The case of the Appellants is that, they requested their bankers to facilitate payment of premiums in respect of subject policies through ECS. However, as the Respondent Insurance Company were erratic in realizing the same from their accounts, the policies got lapsed; hence, the complaint. On the other hand, the Respondents submitted that the subject policies attained lapsed status for non-payment of

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premiums in time. Heard both sides in the matter and perused the documents on record. On a reference to the impugned order, it is observed that the Ld. District Forum passed a speaking order in the matter. In respect of two policies out of the total five policies bearing nos. 436153688 and 437442831, ECS were not cleared owing to insufficient fund. In respect of rest of the three policies, viz., Policy Nos. 496219342, 496673269 and 436127341, the Appellants did not opt for ECS at all. In absence of any counter document to prove otherwise, we find no reason to take a differing view vis-à-vis the Ld. District Forum in the matter. There being no infirmity with the impugned order, we dismiss this Appeal. No costs.

[HON'BLE MR. SHYAMAL GUPTA]

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