STATE BANK OF INDIA Vs. JOICE JOHNY

JUDGEMENT

(1.) THIS revision petition has been filed against concurrent orders of District Consumer Disputes Redressal Forum, Coimbatore and State Consumer Disputes Redressal Commission, Tamil Nadu. The Consumer Complaint was allowed by the District Forum and the appeal of the revision petitioner/Sate Bank of India has been dismissed by the State Commission.

(2.) THE facts of the case, as seen from the record, pertain to a house loan of Rs.5.21 lakhs sanctioned jointly on 6.10.2005 to the Complainant and her husband. Her husband died on 6.11.2007. Thereafter, the Complainant made several requests to the bank seeking details of the SBI Life Suraksha Group Insurance Scheme under which her loan was allegedly covered. However, she received no response and hence, the consumer complaint. In a brief but sharply focused order the District Forum has pin pointed the following facts pertaining to this case: -

(3.) IN the appeal filed by the revision petitioner/OP, the State Commission has considered at length the provisions and stipulations in clauses 4,8,10 and 13 of the three -page Loan sanction Letter of 6.10.2005 from the OP to the complainant and has come to the conclusion that -