Page 2 - Consumer Protection

In a first, CCPA initiates class action proceedings against 9 companies

The firms include online travel companies, a social media firm, and an e-commerce firm

Demand notice must be served properly to buyer

The purchaser couldn't be termed a defaulter since the demand letter had not been served properly, and especially when he paid the amount on receiving a reminder

RBI forms working group on digital lending as frauds come into sharp focus

The group will suggest steps to regulate digital lending including online lending platform and mobile lending

CCPA seeks RBI intervention on banks delaying refund when transactions fail

Newly set up consumer protection regulator CCPA has flagged this issue to the RBI seeking its intervention to ensure banks reverse such money on time

Indian delegation leaves for Australia to attend consumer protection summit

The delegation will take part in phase two of the Australia-India Collaborative Consumer Protection Project under Sydney University, an official statement said

Service charge can't be forced

Singh cleared the entire bill, but later filed a complaint before the Central Mumbai Forum seeking a refund of the service charges

Justice through consumer courts: Glass still half full for Indian consumers

While several rulings have strengthened the cause of consumer protection, obtaining justice through consumer courts remains an arduous task

Receipt of cash is payment

As builder had not disputed payment of cash, amount can be treated as received, the Commission said

Grievances galore! Snapdeal, Flipkart on list of firms with most complaints

Data from the National Consumer Helpline show 2,494 complaints received in 3-year period

Jehangir B Gai: Officebearers liable for frauds

The president of the society transferred money to his personal account and ran away from the country

Jehangir B Gai: Surveyor must be licensed

Both the bank and insurer blamed each other for the non-payment of premium which was due to floods, and not insufficient funds. The State Commission, however, ruled that both had given deficient service and asked them to pay a compensation of Rs 5 lakh

What makes a property purchase commercial?

A person can also change his mind over a period of time, due to various circumstances

Conversion rate on date of shipment applicable for claim

Meenakshi Saxena, proprietor of M/s Creations, used to export handloom goods. The Export Credit Guarantee Corporation of India (ECGC) had accorded approval for export of these goods to the Society Ivoirienne de Commerce et de Representation (SICOREP) up to a sum of Rs 64.86 lakh ($135,125).Saxena despatched two consignments and declarations of these shipments to ECGC. The letter of credit and other documents were routed through Punjab National Bank (PNB). The contract provided that the foreign importer would get the goods released after making payment through his banker within 60 days. Surprisingly, a third party who was unconnected with the transactions, procured the documents from the bank without making payment and got the goods released. So, the genuine overseas importer, SICOREP, did not make payment.When the issue was not resolved after four months, Saxena lodged a claim with ECGC. As it was not settled, she filed a complaint before the Panipat District Forum, which directed ECGC

No time limit for poor-service complaint

The district and state forums rejected the claims earlier because there was a delay of 15 years in filing the complaint

Insurer is liable for delayed decision

Failure to communicate the rejection on policy revival application within 15 days would mean approval

It's borrower's responsibility to insure goods

The loan agreement confers a right to the bank - not an obligation - to insure goods. If the lender fails to insure them, it cannot amount to a deficiency in service

Theft without force isn't burglary

SC has observed that a clause in an insurance policy must be interpreted in a manner which benefits the insured only when the wording is ambiguous

Allotment of flat without OC is illegal

The builder must get occupancy certificate on time. In case of any delay, the builder must compensate the buyer with rent for that period

Consumer forums can fight only for consumers

Those who are not consumers cannot get a back-door entry into consumer courts

Breach of policy condition renders a claim non-payable

Once the terms are agreed upon, any breach would render a claim non-payable