LIC is not giving me the amount promised at Maturity
LIC is not giving me the amount promised at Maturity
My LIC Afent made me take 4 LUC Policies and also give me a table that after 12 years I get 11 Lakhs back but now on maturity they are giving only half the amount. What should I do. Pls advise
7 months ago
A. Dear Client,
If the LIC Policy is matured without any interruption in payment of regular premium, then the policyholder is eligible for full maturity value as assured in the Policy. Misinformation or misguidance by a licensed/authorized agent to the policyholder in the course of the sale of policy/promotion of insurance business is termed as professional misconduct as per IRDA(Licensing of Insurance Agents) Regulations, 2000. So, you can lodge a complaint against the concerned Agent to the Insur ...ReadMore
Mutation of Joint property
A house that is registered jointly in the name of my Mother and Father has to be applied for mutation in my name and for the same I need to state the following That my mother expired in 2016 That my f
7 months ago
A. Dear Client,
The Hindu Succession Amendment Act, 2005 granted equal rights, duties, liabilities, and responsibilities to daughters that were earlier limited to sons. This also means that the daughter's right to both coparcenary and self-acquired property is legal and cannot be contested in Court. Therefore, it is irrelevant whether her father was alive or not or whether she was married or not on the cutoff date of the amendment i.e, September 9, 2005. However, if the father is alive and has tran ...ReadMore
Leakage through drainage pipe
I showcased the issue to society about a month ago but they took their own time to repair the drainage pipe which was the cause of leakage in my flat. Now my entire ceiling is damaged. Is there a law
7 months ago
A. Dear Client,
When you brought the matter of leakage of water to the Society, they are dutybound to attend the complaint of the resident member of the Society. On receipt of common monthly maintenance charges from the resident member of the Society, the status of a registered Society becomes a service provider as defined u/s.2(37)(ii) of the Consumer Protection Act, 2019 and the member of the society is termed as consumer as defined u/s.2(7)(ii) of the said Act. Thus when the Society did not take ...ReadMore
Legal Advice - I used to pay Chit funds
I used to pay Chit funds to local unorganised party in my village.I had paid somuch of money and taken 5 lakhs from them as a chitfund amount.After that ,due to financial problem,i didnot pay an amoun
7 months ago
A. Dear Client,
If you availed the loan from Chit Fund by signing all the documents blank including a blank cheque or promissory note, then the said documents can be misused against you by the persons operating chit fund and with whom the documents were lying against your loan. If so happens, then on receipt of legal notice, reach out to an Advocate for proper guidance and steps to be taken against the chit-fund company under IPC 406 and 420 for criminal breach of trust and cheating.
Freehold vs GPA
Our bank is forcing us to give them GPA in order to get home loan, even though we have submitted all the necessary documents and our soon to be property has already acquired the status of freehold. So
7 months ago
A. Dear Client,
Bank or NBFC usually did not approve home loans for purchasing an immovable property through GPA even if it is a freehold property because a GPA cannot transfer the title or interest of an immovable property in favor of the purchaser who applied for a home loan against the said immovable property. In its judgment in 2011, The Supreme Court made it clear that a GPA cannot be used to transfer legal ownership of the real estate. In addition, the Court determined that a power of attorne ...ReadMore
Contract signed with Reliance Maid Services
I have signed a contract for 2 years on 19/06/23 by paying Rs.5000 to Reliance Maid Services. One Maid came on 20/07/23 giving reference of the agency. She worked for 6 days. Then she wanted to work
7 months ago
A. Dear client,
You can file a complaint against them. You can also send them a legal notice and file suit for recovery with interest, cost etc.
section 9
my brother filed for section 9 under Hindu marriage act after his wife left him after 4 days of marriage and she is very adamant although my brother tried to change her mind. now she replied to cour
7 months ago
A. Dear Client,
Under section 9 of the Hindu Marriage Act, any spouse can file a petition before a district court for the restitution of Conjugal Rights. This remedy can be sought by either the husband or the wife who has been deserted or separated from the other spouse without any reasonable cause or excuse. If the husband wins the Sec 9 (RCR) case then the wife is not entitled to Maintenance in CrPC 125. The decision in a suit against the wife for restitution of conjugal rights is equivalent to ...ReadMore
Bank account freeze by cyber sell in chain scam crypto P2P trading
My bank account was frozen in a chain scam while selling crypto in P2P. I have collected all the information, and there is no mistake from my end. I have sent the full trade invoice, bank statement, a
7 months ago
A. Dear Client,
When an account is frozen by the Bank on the instruction of Cyber Crime Cell on receipt of a complaint of a fraudulent transaction, the account holder cannot access the funds in the account, and cannot make any transactions. The account shall remain inoperative/frozen until the cybercrime incident is investigated and resolved acquitting the account holder from the charge or scam. To unfreeze or to make your account operative, you need to contact your bank as well as Cyber Cell. The ...ReadMore
Vehicle auction without intimation and asking to pay loss amount of 30000
In 2017, my friend purchased a bike in installments. Unfortunately, after making payments for 6 months, he faced some reasons that led to a 4-month EMI lapse. Without prior notice, the finance company
7 months ago
A. Dear Client,
Once the EMI against a loan is not repaid for consecutive 3 times by the borrower for any reason whatsoever, it is treated as NPA. Accordingly, the Bank sends notice to the Borrower asking him/her for repayment of the entire dues lying against his loan offering suitable terms. In the absence of any response from the Borrower, they started the routine process of action prescribed under relevant laws for recovery of debt lying outstanding against the Borrower and the Guarantor includ ...ReadMore
Mental Harassment of senior citizen by son in law
my friend complained against her husband for domestic vialence, dowry and separation with her husband. But this guy is not giving her divorce. on top of it he is filing multiple cases against her and
7 months ago
A. Dear Client,
Under Sec.8 of the PWDV Act, 2005 a Protection Officer is exclusively appointed by the State Govt. to protect the interest and safety of victims of domestic violence from filing suit before the Court to disposal of suit. So, when the husband of your friend is facing harassment and multiple false cases brought by the husband against the victim with an ulterior motive to compel her to withdraw DV case the matter should be brought to the notice of PO for its proper presentation before ...ReadMore
