Whalesbook
Commission ne derri ko kiya ignore
Nagpur ke consumer commission ne clearly kaha hai ki jab kisi ka life partner chala jaata hai, toh dukh aur natural "mental shock" ki wajah se log turant claim process nahi kar paate. Yeh reasoning use karke court ne State Bank of India ki woh defence reject kar di jisme woh mandatory 90-day claim window ki baat kar rahe the. SBI ne yeh bhi kaha ki deceased ne 'MasterCard Classic' debit card use kiya tha, jisme insurance nahi tha, aur bank alag se insurance documents nahi deta.
Bank ki defence flunk
SBI ka kehna tha ki yeh case bilkul baseless hai kyunki woh debit card users ko alag se insurance details nahi dete aur 90-day ka time period bhi nikal chuka tha. Commission ne bola ki SBI ne aisa koi proof nahi dikhaya ki 'MasterCard Classic' cards insurance se bahar the. Evidence se yeh bhi pata chala ki doosre cardholders ko bina extra charge ke insurance mil raha tha, jisse SBI ka yeh alag approach unfair aur clear "deficiency in service" laga.
Final Order Yahi Hai
District Consumer Disputes Redressal Commission ne SBI ko order diya hai ki woh ₹5 Lakh ka insurance amount pay karein, saath mein 6% saalaana interest bhi. Yeh interest claim file hone ki date, yaani September 5, 2019, se calculate hoga. Aur toh aur, bank ko ₹10,000 mental distress aur legal costs ke liye bhi dene padenge. Commission ne decision diya ki deri ke karan claim reject karna bilkul justified nahi tha.