- (1.) All these appeals can be disposed of by this common order as all these appeals are against the order passed by the National Consumer Disputes Redressal Commission dated 9-11-1998.
(2.) Briefly stated, the facts are as follows: The appellant in Civil Appeals Nos. 5155-5235 of 1999 (hereinafter called "the Bank") is a cooperative bank operating in Raigad district. The appellant in Civil Appeals Nos. 5236-5316 of 1999 is a nationalised insurance company (hereinafter called "the Insurance Company"). The Bank gave loans to the fishermen in that district. As per the normal practice the Bank got the stock of fish, in this case dry fish, insured with the Insurance Company. As per the normal practice, the Bank would debit insurance premium from the account of the fishermen and forward the same to the Insurance Company who then issued the insurance policy.
(3.) It is admitted that in respect of the period concerned, the Bank had forwarded the premium as in the past to the Insurance Company. Admittedly, the same had been received by the Insurance Company.;