CHIEF POST MASTER GENERAL Vs. C.GOVINDASAMY
TAMIL NADU STATE CONSUMER DISPUTES REDRESSAL COMMISSION
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K.SAMPATH, J. -
(1.) The 1st opposite party in OP No.6/2001 on the file of the District
Consumer Disputes Redressal Forum, Srivilliputhur, is the appellant
herein. The case of the complainant was as follows :- He had taken postal
life insurance with the 1st opposite party, the monthly premium being
Rs.96/-. The value of the policy was Rs.10,000/- the maturity of which
was on the complainant attaining the age of 50 years. The policy matured
in March 2000 and a claim was preferred. There were non-credits which
were advised to be reconciled vide the 1st opposite partys letters
dated 4/2/2000 and 17/8/2000. The missing credits were for the months of
7/94, 2/95, 9/96, 7/97, 9/97 and 1/98. According to the complainant the
amounts were recovered by his employer viz., the 2nd opposite party but
were not remitted by the employer to the 1st opposite party and the
complainant should not suffer on that score. The 1st opposite party took
the stand that the insured was personally responsible for ensuring the
prompt credit of monthly premia and in the event of non-credit by the 2nd
opposite party the complainant had to arrange to credit the same in time
in cash into the Post Office. The 1st opposite party therefore deducted a
sum of Rs.812/- from the amount payable and issued sanction for the
balance. The complainant refused to collect the amount alleging that the
deduction was not warranted and it was outside the scope of the policy.
(2.) The case of the 2nd opposite party was that for the disputed credits
the 2nd opposite party had made payment to the 1st opposite party and
there was no default on the part of the 2nd opposite party.
(3.) Before the District Forum, on the side of the complainant Exs.A-1 to
A-7 were marked while on the side of the 1st opposite party Exs.B-1 to
B-7 and on behalf of the 2nd opposite party Ex.B-8 were marked.;
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