ICICI BANK LIMITED Vs. SENAPATHI KOTI
LAWS(NCD)-2021-2-33
NCDRC
Decided on February 02,2021

ICICI BANK LIMITED Appellant
VERSUS
Senapathi Koti Respondents

JUDGEMENT

Deepa Sharma,J. - (1.) The present Revision Petition, under Section 58 (1) (b) of the Consumer Protection Act, 2019 (for short "the Act") has been filed against the order 23.09.2020 of the State Consumer Disputes Redressal Commission, Andhra Pradesh (for short "the State Commission") in Appeal No.314 of 2017 which was filed against the order dated 13.04.2017 of the District Consumer Disputes Redressal Forum-II, Visakhapatnam (for short "the District Forum") in Complaint No.184 of 2016.
(2.) The brief admitted facts of the case are that the deceased, i.e. son of the Complainant had a saving bank account with the Petitioner. He was issued a debit card which was having an insurance coverage of 10 Lakhs in case of personal accident. Unfortunately, he died in a road accident and an FIR under Sections 304(A), 338, 337 and 279 of IPC was registered. The Complainant claimed the benefit of the insurance under the debit card and wrote a letter to the Petitioner. In reply, the Petitioner took the stand that they had not received any claim of the Complainant and advised him to approach other branch of the Bank. Even after approaching the other branch of the Petitioner, the Complainant's grievance was not sorted out and the claim under insurance was not paid. He then sent an e-mail dated 25.02.2016 to the Petitioner and in reply to the said e-mail, the Petitioner again directed the Complainant to visit their nearest branch for Redressal of the grievance. When no positive steps were taken by the Petitioner, the Complainant filed the Complaint before the District Forum.
(3.) Before the District Forum, the Petitioner had filed the written version wherein they had not denied their liability and took the stand that no claim for insurance had been filed by the Complainant.;


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