S. Coari, Member—The present appeal has been directed against the judgment and order dated 9.11.2009 passed by the learned District Consumer Disputes Redressal Forum, Unit-I, Kolkata, in CDF/Unit-I/Case No.101/05 wherein the learned District Forum allowed the petition of complaint against the OP Nos.1, 2 and 3 and ex parte against the OP No.4 thereby directing the OPs to make payment of insurance claim of Rs. 5,00,000 to the complainant and also awarding compensation to the tune of Rs. 20,000 alongwith litigation cost of

Rs. 5,000 and in default interest @ 10% p.a. till realization.

2. The complainant/respondent’s case before the learned District Forum, in brief, was that her husband, since deceased, purchased ICICI Solid Gold Credit Card having credit limit to the extent of Rs.49,000 and cash limit of 40% of the credit limit, which was valid from March, 2001 to March, 2003, of which the complainant was named as a nominee towards the benefit, which was to be received from the OPs/Bank. According to the complainant’s case as per terms and condition of the said transaction between the parties Gold Card members were entitled to get a personal accident insurance benefit to the ext