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I1. Gather all evidence, including original policy documents, maturity statements, and premium payment receipts (even if few).
2. Collect bank statements showing payments made to the agent or to LIC.
3. If possible, obtain evidence of acknowledgment from the agent accepting that he has misappropriated funds.
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File an FIR u/ s316(1-2) , 318(4).
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Submit a formal complaint at the local LIC branch, including relevant documents and a copy of the FIR, to request a thorough investigation.
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Send a legal notice to agent, followed by a recovery suit under Order XXXVII.IThis is a serious situation.
The guy has been persistent and unabating; if some action is not taken, he might escalate to something much more grave in nature.1. Inform the parents so that they may handle it among themselves.
2. But do also consider filing a police complaint if it does not seem 100% certain that the guy truly laments his actions.
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1. S78, 79, and 351(2/3) BNS.
2. S66E, 66, 66C, 67 IT Act, 2000.INot exactly a scam, this is a third-party agency trying to scare you into making the payment for your pending credit card dues.IAmazon or Flipkart, they are all the same for me.
My issues have been resolved satisfactorily by both.IThe seller has committed fraud. Amazon is compensating you for it in good faith, as it happened on their platform.
If you wish to claim more than the amount you paid, Amazon’s in-house mechanism may not help; the same applies to the NCH.You will need to pursue the conventional route of filing in a consumer court against the seller, with Amazon named as a party.
IThis is a very common occurrence with e-commerce. Thankfully, you bought from Amazon (and not Flipkart), so your money is still safe.
I faced and successfully resolved the same issue with my 2.5-year-old device just 10-15 days ago.Here is what I did:
1. I got an acknowledgement from Samsung that the device was activated before my billing date.
2. I shared the acknowledgement and bills with Amazon CCE.
3. My case was escalated through the CCE–>Escalations Desk–>Leadership Desk–>ECR.
4. The final escalation is to the “ECR – Executive Customer Relationship” (this is your goal). This is the only team that can take action.Once connected with ECR, it took me 10 days to get my money back.
P.S. At each step, after every call, ask the call attendant to email you the content summary of the call.
I1. The Limitation Act would apply. Bajaj Finance will not have solid grounds to file a S138 NI case unless they can somehow prove that they have an acknowledgement for the said loan within the last 3 years.2. In any case, even if they have filed a case, you would first receive a court summons. Only if you fail to appear would the police be directed to get involved, as in most cases, defendants do appear when they are summoned.
IYou mentioned that you made the police contact the person as part of the steps taken.You need to take into account that scams are everywhere, and both banks and authorities regularly issue warnings about them. The person probably thought that even the police were fake/scammers and thus chose not to cooperate.
In the event that the person maliciously intends to keep the funds, that is indeed unfortunate. However, the steps remain the same. Since it involves transferring money out of his account, the bank would need his express consent.
Without that, the most you can hope for is a lien on his account, but even that does not guarantee the return of your money.IThe actions are mentioned in the first comment.
The crucial part is having an agreement with the receiver to consent to reversing the transaction; involving the police is not exactly conducive to that.Imagine yourself in the receiver’s place; someone sends you money and instead of contacting you politely or better yet, going through the appropriate banking channels (especially considering the existence of charge-back scams), they file a cybercrime complaint against you and involve the regular police.
Would you now amicably agree to help them?
Especially when you face little to no repercussions if you choose not to?I**I could be wrong**, but I am not sure if a 1930 complaint would work here. The receiver has not committed any fraud, and there would be no signs indicating such.
The complaint is more likely to be marked as resolved/dismissed.It is important to raise a complaint promptly through an appropriate mechanism in order to have any real chance of recovery.
ISuch mistaken UPI transactions are not easy to undo, especially since most people do not use their bank’s UPI or the BHIM UPI application, but rather third-party applications. This gives banks another excuse not to help.The official procedure is as follows:
1. Submit a written complaint to your home branch as soon as possible, including all relevant details.
2. The bank will then attempt to place a lien on the amount in the receiver’s account by contacting their home branch/bank, preventing the receiver from using the funds.
3. The receiver will be contacted and asked to give consent to reverse the transaction.
4. Only once this consent is received and verified can the transaction be reversed.This is why the process may take up to 35 days.
The receiver is absolutely within their rights to refuse, and beyond placing a lien, there is little you can do about it, especially if the receiver has withdrawn the cash before anything could be done.When you entered the UPI PIN, unless you can allege and prove some kind of fraud, you effectively took responsibility for the transaction.
IIn this case, the defaulter “friend” has given OP’s number himself. But I understand what you are saying and no, the telecom companies do not share any data in this.
Mainly, it is the banks (mostly NBFCs) that, during the installation of their application, take access to your phone’s data(sometimes with consent, and sometimes without). They then use that data in such “recovery” efforts.Under RBI guidelines, this is not allowed, and any lending partner engaging in this can be heavily penalised.
I1. Abetment of suicide is not applied so easily. Sure, it might be threatened, but courts have, time and time again, laid down strict parameters and dismissed fictitious cases. You are in the clear here.
2. The same applies to the audio recordings; this is petty enough that little to no action is taken. You are not going to jail because of that.
3. You, on the other hand, would be wise to register a complaint regarding his actions.II never said that you have taken the loan or that you have any liability. What I am saying is that “your friend” has given your name as a reference and then defaulted on the loan.
Now, this and any other TPA will get the file with the same details and will continue to call you.
They are not paid enough, nor do they care enough, to make any corrections to the file.The only place where you can get any sort of correction done is at the source, the lending partner.
