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Complaint should not be returned for misjoinder of parties; SC

“The National Commission shall, in the disposal of any complaints or any proceedings before it, have the power of a civil court and can direct the parties to disclose the name and other particulars of treating doctor if not known to the complainant.” · “So far as the law with regard to the non-joinder of necessary party under Code of Civil Procedure, Order 1 Rule 9 and Order 1 Rule 10 of the CPC is concerned, no suit shall fail because of mis-joinder or non-joinder of parties. Even if the concerned doctor and the nursing staff who were looking after the deceased have not been impleaded as opposite parties, it cannot result in dismissal of the original petition as a whole.”...

Medical examination was compulsory for issuance of Policy to take place prior to accepting premium

SC further observed “The specific condition in the policy was that in case the loan amount exceeds Rs.7.5 lacs the medical examination was compulsory. That if the medical examination was compulsory for such cases it should have been done along with filing of the proposal form before the payment of the premium. If the proposal was not accepted for any reason the premium would have been credited to the account of the proposer. The premium has not been refunded. From this, it is clear that the insurance company had not rejected the proposal.”...

SC Re-affirms its stand on Healthcare service under Consumer law

“If at all the Parliament while repealing and replacing the 1986 Act with the 2019 Act had intended to give a meaning to the term “service” different from the one given by the Supreme Court, such intention ought to have been reflected in clear words by a specific exclusion of ‘health care’ from the purview of the 2019 Act. While construing a statute, what has not been said is equally important as what has been said.”...

Whether medical examination was compulsory for issuance of Policy to take place prior to accepting premium

That the insurance contract being a contract of utmost good faith, is a two-way door. The standards of conduct as expected under the utmost good faith obligation should be met by either party to such contract. · That in the instant case the condition precedent for acceptance of the premium was the medical examination. It would be logical for the insurance company to accept the premium based on the medical examination and not otherwise. Therefore, by the very fact that they accepted the premium waived the condition precedent of medical examination. · That the rejection of the policy must be made in a reasonable time so as to be fair and in consonance with the good faith standards. In the case, it could not be held that such enormous delay was reasonable.With reference to the facts of the present case, the Court remarked that the premium was paid in 2008. That it was only in 2011 that the respondent insurance company informed the appellant that the policy was not accepted by them. Dr Prem Lata...

Whether medical examination was compulsory for issuance of Policy to take place prior to accepting premium

But Supreme Court did not agree to he contention of Insurance company and concluded- 1. The insurance contract being a contract of utmost good faith, is a two-way door. The standards of conduct as expected under the utmost good faith obligation should be met by either party to such contract. 2. The condition precedent for acceptance of the premium was the medical examination. It would be logical for the insurance company to accept the premium based on the medical examination and not otherwise. Therefore, by the very fact that they accepted the premium waived the condition precedent of medical examination. 3. The rejection of the policy must be made in a reasonable time so as to be fair and in consonance with the good faith standards. In the case, it could not be held that such enormous delay was reasonable.With reference to the facts of the present case, the Court remarked that the premium was paid in 2008. That it was only in 2011 that the respondent insurance company informed the appellant that the policy was not accepted by them. Supreme court made a law by this judgment that Insurance company is equally under obligation to follow their terms and rules while issuing the policy ,only then they should expect insured to follow rules . In case they ignored some procedure ,they are bound to approve the claim...

Home buyers can chose remedy incase developer fails to give possession

DLF Homes Panchkula Pvt Ltd v. DS Dhanda and in modification of the direction issued by the Commission, we direct that the interest on the refund shall be payable from the dates of deposit. At the same time, we are of the opinion that the interest of 9 per cent granted by the Commission is fair and just and we find no reason to interfere in the appeal filed by the Consumer for enhancement of interest. Above is the most balanced judgment ,well defined and with all justifications giving opportunity to be heard to both the parties with the same ration . This is more important for the reason it defines with total clarity as to what relief Home buyer is entitled to in case of developer defaulting in giving possession in time...

Selling goods/Services through Television channels –Applicability of law

In wake of the above provisions read with Consumer Protection E-Commerce Rules 2020 ,selling goods through television fall under the provisions of Consumer Protection Act and E-Commerce Rules are applicable to such activities whether they are in the character of E-Commerce companies,,seller of products of other companies on market place or providing platform and facilitating to the manufacturer companies to sell their product through them. Looking into the activities of selling through television as said above ,details of their set up and implememtation of e-commerce Rules 2020 can be determined only when such sellers are identified and are requested to furnish relevant details to the ministry...

Information about the incident in insurance matters –an essential factor

In this case had three issues to resolve when theft of vehicle is informed late 1. Temperary registration of the vehicle had expired 2. Delay in intimation of theft 3. Left vehicle unattended breaching condition of the insurance · On the issue of delay in information about theft ,FIR was duly filed before the police ,state machinery was brought in motion. Complainant prefereed to wait for the outcome of police verification and filed claim after police issued no trace certificate . · As per National commission observations ,expiry of temporary registration is a subject matter of motor vehicle act and insurance is to nothing to do with it. Vehicle is temporary registered and permanent registration is to take process · Vehicle was parked outside the guest house which was in a residential area and that was the only system of oarking vehicles and it could not be said to be left unattended in any manner All the things were well explained and justified ,hence there was no point to repudiate its claim ....

HOME BUYER A FINANCIAL CREDITOR

The Hon’ble Supreme Court held that The Amendment Act to the Code does not infringe Articles 14, 19(1)(g) read with Article 19(6), or 300-A of the Constitution of India. Further, RERA is to be read harmoniously with the Code, as amended by the Amendment Act and in case of a conflict I&B Code will prevail over RERA. Further, the remedies that are given to allottees of flats/apartments are concurrent remedies, and therefore, allottees of flats/apartments are in position to avail remedies given under the Consumer Protection Act, RERA as well as I&B Code. Further, Section 5(8)(f) as it originally appeared in the Code is a residuary provision, which always incorporated within it allottees of flats/apartments. The explanation together with the deeming fiction was added by the Amendment Act to only clarify the position of law....

CCPA dealing unfair trade practices with heavy hand; Shark Tanks of the big business Houses under vigil

Since the inception of New Consumer Protection Act 2019 and establishment of Central Consumer Protection Authority, very strong measures have been taken by the authority against the misleading ads given by business entities on various platforms, social network sites and other modes The first advisory was issued on January 20, 2021, calling industry stakeholders to cease making misleading claims that take advantage of the COVID-19 pandemic situation and are not supported by any competent and reliable scientific evidence The second advisory was issued on October 1, 2021, highlighting compliance with the provisions of Consumer Protection (e-commerce) Rules, 2020, which require every marketplace e-commerce entity to prominently display all information provided to it by the seller under Rule 6 (5), including name, designation and contact information of the grievance officer of the seller....

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