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PRODUCT : Mediclaim policy
BRAND : National Insurance
COMPANY : Bajaj capital
QUERY ID : EID20192016
CONSUMER : Mukesh Aggarwal

My policy is renewal in 07/2015 I am Chh given my agent before time but company refund my amunt in 09/2015 agent ask me some mistake by company my policy is 4 years old I dont no whose fault is it what can I do

expert advice by consumer voice

Better you contact the insurance to hind out the reason for returning the cheque.We cannot comment in the given situation.

PRODUCT : Tour Package
BRAND : Tour Package
COMPANY : Cox and Kings Limited
QUERY ID : EID20182016
CONSUMER : jerome stanley

Denial of rendering the assured services after receiving the full payment for my trip to Holy land Medugorje. Based on the agreement with Cox and kings to render service for the sector Ancona-Split-Medugorje I have paid the full amount INR 38,500.00. They did not send me the itinerary to process the visa till the last minute and asked me to take back the money on the day of my appointment with Italy Visa office. They did not pay me the Visa fee as well. I have applied on my own and got the visa. Then they have given the part of the confiemed itinerary. Other services were delayed till the last minute. On the last day at the last hour of the working day , a day before my start of the my travel I was asked to send some forms filled and duly signed. It was not possiible to send the documents as there was no time to do it.. They have not purchased the other sector tickets. But they say that all the services are confirmed and booked and no refund is given. I want to file a RTI to know the details of the other confirmed and booked services and the refund of the visa fee .I am the senior citizen and was put to lot of tension because of the delay, and denial of the assured services at the last minute. Pls advise Dr.jerome Retd HOd of statistics loyola college chennai 34.

expert advice by consumer voice

there seems to be contributory negligence on both.Please settle with them. RTI against whom as RTI cannot be filed against cox and kings

PRODUCT : cable
BRAND : rf connector house
COMPANY : synergy telecom p ltd
QUERY ID : EID20172016
CONSUMER : pradeep agrawal

chque bounce

expert advice by consumer voice

It is not a consumer matter.You have to file under NI Act.

PRODUCT : Ancool Suspension 170 ml, Moza SR Tablet
BRAND : Zuventus Healthcare Pvt. Ltd., Intas Laboratories Pvt Ltd.
QUERY ID : EID20162016
CONSUMER : Akash Bhattacharya has changed their return policy, where medicines have to be returned within 3days of delivery where previously there were no such limit. I myself once returned medicines after more than 3 weeks. I was refunded. The problem here is that they neither called nor they texted no messaged about the recent policy change, nor did they mention anything at their website. How then can a customer know about the policy if it is nowhere mentioned? When I am contacting some 2 weeks after the products got delivered they are saying we cannot process the return and refund the money since its not in our policy. They are saying the policy was changed on 1st Feb. 2016, but never informed the consumers about it unless they faced the trouble and contacted them, and then they are saying they cant issue return and refund because the policy has been changed. 3 phone calls and multiple emails, and everytime they stick to the same thing.

expert advice by consumer voice

We appreciate your concern and absence of communication by the company to the consumer.However if they have put any notice on their website the same would be treated as communication as it may not be possible to send notice individually to all concerned.

PRODUCT : Tour & Travel
BRAND : United Tour Club
COMPANY : United Capital Club
QUERY ID : EID20152016
CONSUMER : Gyan Dixit

Hi, I am writing this letter to draw your attention towards unacceptable service and malpractice employed by a company namely United Capital Club located in Delhi NCR. The said company is registered with Ministry of Corporate Affairs (MCA) vide registration number (CIN) U93030UP2012PTC050914 under the name of UCC TOURISM SERVICES PRIVATE LIMITED. The afore-said company provides tour and travel services such as flight booking, hotels and resorts booking, tour packages etc. across India and internationally. Apart from providing travel services, this company also provides work from home opportunity in the name of extra source of income to the general public claiming the earning potential of Rs.7000 - Rs.8000 per week per individual. The companys business model is similar to that of any RCM/MLM company. I came to know about the company a year ago and visited them to understand the business model. Post one hour session, I agreed to subscribe to their membership and paid Rs.1000/- as registration fee which is non-refundable and another Rs.4500/- for Platinum membership. As per company policy, the membership fee is refundable after one year if the member does not earn any commission nor does he/she take any membership benefit like flight ticket. I registered with the company in April 2014 and since then my membership has been lying dormant. I did not do any business nor did I use the membership benefit. Now, after completing a year, I visited the company office to claim the refund but there was no one available from the management or from accounts department. One of their team members advised me to write an email with details. I wrote an email in the first week of July 2015 and sent to everyone concerned including the owner of the company. However, I did not receive any acknowledgement nor any response on my request. I tried to get in touch with a girl (Shailja Pandey) who is their one of the oldest and core members on her mobile phone but to no avail. She d

expert advice by consumer voice

Since you have already sent email complaint to the company and no response the only option is to lodge a complaint with the local police about the way they are cheating the consumers by making unfounded and baseless assurances of monthly earning business.

BRAND : Campus
COMPANY : Campus
QUERY ID : EID20142016
CONSUMER : Rahul Joshi

Shoes I brought from a retail shop are making a lot of sound over the tiled and marbled floors, the shopkeeper has refused to return the product. I forgot to take the bill the first time. what options do I have?

expert advice by consumer voice

To our mind you have no option as you have no bill for payment. Moreover you should have satisfied before purchase about the noise on walking etc.

PRODUCT : Residents Association Accounts
COMPANY : Santhi Riverdale Residents Association
QUERY ID : EID20132016
CONSUMER : Job Chithalan

We have not had accounts for the 3 years the RA ha been in existence. Conduct of Committee Executives has been that of threatening to some I know. Transparency and accountability is lacking. There are indications of the misappropriation of our funds.

expert advice by consumer voice

You can take action according to provisions of the society regulations.However if the regulations provide so you can make a complaint to the Registrar of societies of your state to lookinto the non maintenance by the society for appropriate action.You can also write to the Secy of the Society as to why regular account has not been maintained as this amounts to non transparency in maintenance of accounts of society

PRODUCT : Apartment
BRAND : Swabhumi Stristy
COMPANY : Swabhumi developers and real estate pvt ltd
QUERY ID : EID20122016
CONSUMER : Koushik Sarkar

I booked a flat of Super buildup area 976 sq.ft in Aug15 & already paid 644000/-. As per the sell agreement the total cost of flat is 3220000/-. The flat got completion certificate from local municipality in the year of 2013/2014. As I am taking bank loan, my bank (SBI) assessed the flat in Sep15 & measure it 976 sq ft also.Now just before I am going for flat registration, they are asking me to pay 43000/- more money as they are demanding that my flat super build up area raised 13 sq ft after joint measurement..As I am buying a already complete flat then how the flat measurement suddenly gone up. Is this demand legal. Also, they calculating super build up area as (build up area + proportionate stair area & lift lobby) then 25% service area over that total. Is it a legal way to calculate super build-up area ( inclusion of stair & lift area to calculate the 25% service area?). they threating to cancel the agreement & will forfeit the amount I already paid (644000/-) if the agreement canceled.

expert advice by consumer voice

Builder cannot charge more than what has been agreed in the agreement between you .If you feel that additional charges for extra cover area was not provided you have the option of challenging the same.For exact measurement you can take assistance of the local architect and obtain his written certification for agitating the matter before builders.However it appear from your complaint that yu have reached the final conclusion of the deal ie going for registration with the Registrar it may not be advisable to agitate these issues with the builders at this stage.In absence of full facts we feel that you may get the flat registered take procession under protest and thereafter fight for your issues with the builders.This a way of compromising the matter.

PRODUCT : Against Builder
BRAND : parasnath nagri shop
COMPANY : Yashodhan Enterprises
QUERY ID : EID20102016
CONSUMER : siddhesh patil

Dear Sir/ Madam, My name is Siddhesh Vijay Patil from Mumbai, I had purchased a 400 sq ft shop from Yashodhan Enterprises from Nallasopara District Palghar and the located at Umroli, District Palghar, State Maharashtra. The total project is of 50 Acar and more than 200 building was planned this information was provided by Mr. Nipin Debnath. At the time of booking I insisted Mr. Nipin Debnath to provide all related documents and permissions to be but he insisted that all is well and all papers will get ready in 1 week time so instead of making token, I made chque payment of 750000Rs in 29 Jan 2014 @ 4400 Rs/ Sq Ft. after 1 month latter I did huge follow up for the required documents but he failed to provide and sent me a layout map of land. Then onwards he misguiding me by saying the project will start in next 2 months. I met him at his office in Nallasopara in Nov 2014 there were no documents provided by him and he promise the project will start in month of December 2014. But all in vain, then I give him ultimatum to refund the money but he keeps on promising that he will start the project in Nov 2015. I meet him in May 2015 first at Nallasopara office and he told me that he is shifting the project from survey no 184 building no 5 to survey no 183 building no 2. I was not agreeing to his proposal but he insisted me and offered me one more shop in discounted rate and if do not start the project in Nov 2015 he will refund all money with interest of 18%PA in month of Nov 2015. From Jan 2015 onwards he stopped taking my calls even stopped responding to my Whats app messages, I did vigorous follow up in moth of October 2015 for project update otherwise to refund my money but neither pick up my call nor he replied on Whats App. I increased my follow up by way of email, telephonic and by whats app even though there was no reply from him. And one day all of sudden I receive one email stating that there one of partner is standing for Bihar Election so they have

expert advice by consumer voice

You may write to the MD of the company for delay in execution of the project .Since you have not agreed for his proposal for change in project you may send a registered letter to them for refunding the money within 3 weeks otherwise you will be forced to initiate legal action as may be deemed appropriate.

PRODUCT : Realestate
BRAND : Dreamz Infra
COMPANY : Dreamz GK infra india
QUERY ID : EID20092016
CONSUMER : Mufiz Rahman

In Jan 2015 I booked a 2 BHK flat in Dreamz Infra Susthapit project (Silk Board Bangalore Karnataka) and I paid Rs 700000 (Seven lakh), but the builder did not provide legal document, even after several request builder did not share any document, finally I cancelled the booking, and asked them to refund the amount they issued 3 post-dated cheques for the period of 120 days. When I deposited the cheques, all the three cheques dis honoured, and returned uncleared due to insufficient balance in that account, I sent a legal notice to the company to pay the amount within 15 days, and they replied that they will pay within 20 day. After 15 day when I contacted to the cancellation department, they refused to pay the amount. Now it’s almost one year, and I am not able to cover the amount. I would really appreciate if you could help me in this regard Thank you for your valuable time. Thanks & regards Mufizur Rahman 8553550282

expert advice by consumer voice

In fact action for cheque bouncing could have been taken after expiry of 15 days period of notice.But now it is more than one year action cannot be taken .The only option is that you go to the district consumer forum for awarding compensation,refund of money with 18 % interest as the builder has failed to honor his commitment.There has been several cases when the courts have passed orders against builders for payment of interest ,refund of deposited amount if they failed to full fill their obligations as per the agreement.

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