Legal questions on Civil Law

Mental harassment by neighbour

Hi, thanks for your time. The secretary of my building has been mentally torturing me and my family for about 4 years now. She is the sort of person who is terribly inquisitive about other people's business and very nosy. Her favourite pastime is standing at her window, supervising every activity happening in the building. Who comes in, who goes out, who comes with whom, who wore what! Not only...

Misappropriation of Premium

Misappropriation of premiums Complaint Description : Dear Sir/Madam, I have a term plan of HDFC Life Insurance (Policy Number 19824352) having premium frequency monthly i.e. 5th of every month with a grace period of 15 days. There are total three system in this loop: 1st HDFC Bank, 2nd Billdesk payment gateway and 3rd HDFC Life Insurance. My date of commencement of a term policy is 5th Decembe...

Medico legal issue

Hi , Need advice for my one of the medical condition which caused one disease got permanently due to one doctor negligence in surgery . Suddenly I got pain in my stomach and doctor identified that there is stone found in gall bladder and due to that pancreas is also getting pain so we need to operate gall bladder but before need to wait to fix pancreases pain . They kept me Icu for 7 days...

Credit Card Payment

I have used ICICI Big Bazar Credit Card (No annual charges). After some time they sent another card (Platinum) without taking my consent, saying as you are our good customer we have increased your credit limit on this card and blocking previous card. All the benefits are same. They start charging annual fee and I am also not getting anything (gift,discount) from Big Bazar on this new card. I h...

Nuisance by neighbor

Hello sir/ madam we live in row house and our neighboring property is given on rent where huge utensils are stored. basically his gives this huge utensils on rental basis. Every single day unbearable noises he makes due to dragging, loading / unloading of these huge utensils in trucks. we have requested him 100 times but nothing has changed. he loads utensils early morning and till late n...

Electricity bill issue

My father was purchased a house rent property from his neighbor in 2015 beside our home. When my father was purchased this property there was no any electricity bill pending as said by seller, also my father did not received single bill from electricity department since 2015 but now last week the electricity department’s executive came at house and asked about seller(old owner of this propertie...

Student terminated from School

Dear Sir \ Madam, My brother in law perusing 11th standard in a School. There was a fight between two students from 12th and 11th standard. now the school is blaming my brother in law and forcing us to take Transfer certificate now. My Brother in law as alerted his friend that class two students from class 12th are planning to beat him on humanity basis, now this as become major reason for th...

Changing DOB on academics certificates after 10+ Yrs

Hello All, I want to change DOB for a relative (named R) on her 4th TC & using same as a basis on 10th TC. Her DOB got recorded wrong on 4ht TC & which was carried to her all remaining academic certificates. R passed 4th from ZP school in Maharashtra in 2001. R then went to private school from 5th to 12th. Now the 10th (SSC) school is ready to change DOB, but they are asking her 4th TC with...

Health insurance exclusion

The insurer in the health insurance has put this exclusion clause” 10% loading in view of dyslipidemia and No benefit shall be payable to Mrs XXXX under this policy in respect of medical expenses being incurred arising directly or indirectly due to Dyslipidemia including investigations, treatment or direct complications thereof for a period of first 3 continuous years from the date of risk comm...

Bank loan

Hi, My father took a loan of 12.5 Lacs from HDFC Bank in January 2018. During the issue of the loan bank sold him an insurance policy (SARVA SURAKSHA POLICY) of HDFC Ergo. There was no collateral against the loan. In August 2018 my father passed away due to Heart attack. We claimed for insurance in HDFC Ergo but they declined saying they do not cover life and the policy that he had was a non...