STATE CONSUMER DISPUTES REDRESSAL COMMISSION WEST BENGAL CONSUMER COMPLAINT NO. SC/19/CC/149/2019 ASHOKE CHATTERJEE SINCE DECEASED ON 04042024 PRESENT ADDRESS - PASCHIM BARDHAMAN,WEST BENGAL.

SIKHA CHATTERJEE W/O LATE ASHOKE CHATTERJEE PRESENT ADDRESS - S/O LT. SAKTI PADA CHATTERJEE MADHYA PARA VILL. P.O.

GOPALPUR, P.S. KANKSA, DIST PASCHIM BURDWAN, DURGAPUR. PIN 713212. , PASCHIM BARDHAMAN,WEST BENGAL.

ISHITA CHATTERJEE D/O LATE ASHOKE CHATTERJEE PRESENT ADDRESS - ARGORI, LICHUBAGAN, SANKRAIL,HOWRAH711302PASCHIM BARDHAMAN,WEST BENGAL.

.......Complainant(s)

Versus ICICI Prudential Life Insurance Co. Ltd. & Ors.

PRESENT ADDRESS - Unit no. 1A & 2A, Raheja Tipco Plaza, Rani Sati Marg, Malad(E), Mumbai - 400 097.,WEST BENGAL.

ICICI Prudential Life Insurance Co. Ltd.

PRESENT ADDRESS - Durgapur - 713 216, Burdwan.,WEST BENGAL.

The Br. Manager, ICICI Prudential Life Insurance Co. Ltd.

PRESENT ADDRESS - Durgapur - 713 216, Burdwan.,WEST BENGAL.

.......Opposite Party(s)

BEFORE:

HON'BLE MR. AJEYA MATILAL , JUDICIAL MEMBER HON'BLE MRS. SAMIKSHA BHATTACHARYA , MEMBER FOR THE COMPLAINANT:

ASHOKE CHATTERJEE SINCE DECEASED ON 04042024Mr. Arijit Dey (Advocate)

FOR THE OPPOSITE PARTY:

ICICI Prudential Life Insurance Co. Ltd. & Ors., Ms. Sumita Roy Chowdhury. (Advocate)

DATED: 10/03/2026

ORDER

Samiksha Bhattacharya, Member The instant Complaint has been filed by the complainant no. 1, since deceased under Section 17(1)(a)(i) (wrongly written as Section 12 of C.P Act), 1986 alleging deficiency in service against the OPs.

Facts of the case, in brief, are that the instant complaint has been filed by erstwhile Complainant Mr. Ashoke Chatterjee. During pendency of the instant complaint case said Ashoke Chatterjee expired and the names of the legal heirs of the deceased complainant being the wife of Ashoke Chatterjee and the daughter of Ashoke Chatterjee have been impleaded as complainant No.2 and complainant No.3 in the instant complaint by filing amended petition of complaint. It has been stated in the petition of complainant that Shri. Arup Dutta, an agent of the Opposite Parties approached the complainant No. 1and enticed for making some single premium policies. As a result the complainant No. 1 had 89 policies in his name and 2 more policies were made on the life of his daughter namely Ishita Chatterje. At the time of making the policies the agent of the OP Company asked him to sign at various pages of the application forms, which he did. The application forms were filled in by the said agent. The Complainant No. 1 paid Rs. 34,00,000 on various dates. Subsequently, the complainant No.1 came to know that the mobile number provided in the Bonds was not the mobile number of the Ashoke Chatterjee but that of the agent of the OP Company. The mobile number provided in the Bonds was 9002286188 whereas the mobile number of the deceased Complainant was 9732051704. The Complainant No. 1 was never contacted by the OP Company as to whether he was interested with the policies. Dissatisfied with the policies the Complainant No. 1 had made various communications with the OP Company. He had served an advocate-notice dated 12.12.2011 served on the Durgapur Branch against policy no. APP-LL40600171 of the amount of Rs. 4 lakhs only. As a result of which the Respondent Company had returned the said amount to the complainant. Therefore, the complainant has approached the office of the OP Company several times and written to them on a number of occasions for cancelling the remaining policies and return of the balance amount but the same have yielded no result. Then the Complainant No. 1 had approached the office of the Insurance Ombudsman by way of a complaint against the OP Company. However, vide communication bearing no. 1326/20/004/L/3/10-11 dated 06.05.2011 informed the Complainant No. 1 that the complaint was not admitted at the relevant point of time because the premiums of Rs. 33 lakh was beyond the limit of the forum under the Redressal of Public Grievances Rules, 1998. Then,