IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution : 14.10.2019 Date of Reserving the order : 17.11.2025 Date of Decision : 13.01.2026 FIRST APPEAL NO.-531/2019 IN THE MATTER OF DHFL PRAMERICA LIFE INSURANCE CO. LTD.

4TH FLOOR , BUILDING NO. 9B CYBERCITY, DLF CITY, PHASE 3 , GURGAON -122002 …APPELLANT (Through: Mr. Niraj Singh, Advocate of R.N.S Associates, Mob.9810009829 &

Email nirajsinghadv@gmail.com, rns@rnslegal.in)

VERSUS MS. NEENA KHATTAR W/O MR. SUNIL KHATTAR R/O EW-1, 3RD FLOOR, MIAYAWALI NAGAR, NEW DELHI - 110087 ……RESPONDENT (Through: Mr. D.K. Sinha, Advocate, Mob.9868168580 &

Email: dharmeshsinha94@gmail.com)

CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

HON’BLE MS. PINKI, MEMBER (JUDICIAL)

Present : Ms Aishani Mohan. counsel for Appellant (Mob. 9999410115 & Email: adv.aishanimohan@gmail.com)

Mr. D.K. Sinha, counsel for Respondent (Mob. 9868168580 & Email: dharmeshsingh94@gmail.com)

PER : HON’BLE PINKI, MEMBER (JUDICIAL)

JUDGMENT

1. By this judgment, we shall dispose of the appeal filed by the Appellant against the impugned order dated 02.08.2019 passed by the District Consumer Disputes Redressal Forum (North West), CSC Block-C POCKET-C, Shalimar Bagh, Delhi (hereinafter referred to as District Forum), in Consumer Complaint bearing no. 41/14 titled ‘Neena Khattar Vs. DLF Pramerica Life Ins. Co. Ltd. & Ors.’, inter-alia praying for setting aside the order passed by the District Forum.

2. While the Appellant was Opposite Parties No.1 & 2 before the District Forum and the Respondent was Complainant before the District Forum.

3. The facts of the case as per the District Commission, record are as under:

“1. The complainant has filed the present complaint against OP under Section 12 of the Consumer Protection Act, 1986 thereby alleging that in the month of June/July- 2012, OP-3 & OP-4 i.e. agents of OP-1 & OP-2 approached the complainant and asked to take the policy of the company and they assured the complainant that only one time premium is required to be deposited under the policy. Thereafter, the complainant will become entitled to receive double of the premium amount in 5 years and they also assured that the complainant will also receive a sum of Rs.1,00,000/- as bonus immediately after 3 months of taking of the policy. The complainant further alleged that the agents of the company again came in June/July-2012 at the premises of the complainant and took signatures on Forms/Application/Proposal Form and also took identity- proofs and 4 passport size photographs and cheques and said he will fill up the forms in the company and the complainant trusted assurance/words of the agents of the company and gave him the cheques and till today, the complainant has not received the said policy-bond. The complainant further alleged that the complainant approached many times to the agents of the company but there is no proper response and the complainant came to know that the complainant was cheated by OP-3 & OP-4 when the complainant started receiving phone calls from OP's company for payment of next premium. The complainant further alleged that the complainant again approached OP's offices and made complaint but there is no proper response and lastly the officers of OP gave the complainant policy no. 00150965 and OPs have not given the said policy bond till date to the complainant which has caused great mental tension pain, agony, harassment, inconvenience and loss to the complainant and further the said action of OPs amount to deficiency in service and unfair trade practice.

2. On these allegations the complainant has filed the complaint praying for direction to OPs to refund the amount of Rs.4,92,540/- alongwith interest @ 24 % p.a. till realization as well as compensation of Rs.5,00,000/- for causing harassment, mental agony, conveyance etc. and tension and for misleading the complainant and has also sought a sum of Rs.25,000/- towards litigation cost.”

4. The District Commission after taking into consi