You may issue notice to bank with a copy mark to its head branch office. Further, if its a health policy then you are supposed to intimate the concerned policy regulator also upon the same.
Unless the proposal is acceped, it is not an agreement (Sec 2b of the Indian Contract Act, 1872). In this case, you have not accepted the proposal by signing the agreement and hence the agreement is not enforceable (Sec 2g of Indian Contract Act, 1872). If you have signed the agreement, it becomes a contract (Sec 2h of Indian Contract Act, 1872) and cannot go back.
Yes, it is possible. Bcz bank is liable to first complete the documentation required to issue the policy.
Please approach your district Permanent Loke Adalath Court .
Regulated by the Insurance Act
sir, first check the document which was provided by the bank to you at the time signing the document regarding issuing the policy. if in any clause/paragraph of the said document stated that the health check is mandatory and it will be done before issuing the policy, then you can initiate the legal action against them. Sometimes the agents themselves get the health check documents made at their level. If they have got the health check document prepared and attached with the policy, then you will have difficulties in making legal action policies because you will have to prove that you have not done the health check.
In such cases where no communication was made where remaining documents were asked and without providing them the policy was issued without the consent of the person he or she can file complaint against the same in consumer court against such policies issued by bank to its customers.
you can bring this up before the Banking Ombudsman and seek redressal for your grievance and if that fails you can take the matter forward to the consumer forum
Yes you can take a legal recourse against the Bank however the Policy Documents must have arrived after the issuance of policy kindly ask on the toll free no. how can you cancel the policy and have your premium returned if their if the Bank charges are high you can go for Legal Action against the same bank and issuing employees.
yes of course you have all rights to cancel your policy at any time and yes you can take legal action the bank. you can file complaint before consumer form for damages for not verifying your documents and health checkup.
You can book a consultation for the same. I will be happy to help.
You can simply write to the concerned bank manager stating all these details, and that you had never signed up or confirmed for taking the plan, and that you came to know of these later on, and that you wish to terminate/cancel it, and you can also seek compensation for their acts against your consent and knowledge. If they do not cancel/terminate it, we can take further action against the concerned bank, the staff and the manager.
Mr Harish, the simplest way is to send legal notice to the bank branch for cheating you. if the notice didn't works, the you will need to file a case as well. contact a lawyer for that
Dear Mr. Harish, I read your query and the answer to your question is YES. You can definitely cancel the policy which was issued in your name if you haven't given your consent to it. Contact a lawyer and ask him/her to write a legal notice addressing the Bank Manager of your respected Bank branch. Good Luck! Thank you, Pooja Kumari (Advocate)
Yes, you can initiate legal action against them provided that how much you have proceeded to get that agreement done (between you). whether that offer letter was really a requirement or just a formality to cross-check the fact concerning your employment by the agent. I am pretty sure that you must have filled the documents provided by that person.
Yes, you can legal action against the bank for issuing unauthorized policy and further first serve legal notice and then file case in consumer commission.
Yes you can approach Consumer court for the deficiency and unfair trade practice against the bank and the insurance complany,you can contact me for the same
yes based on terms and conditions mentioned in policy, you can initiate legal action
Yes you can issue a notice against the bank for the above said act before going to the court.
