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ULawyer here.
Here’s what I’d do (assuming there are multiple others in the same boat as you):
# 1. Collective case with detailed records from all affected individuals. Please provide the following information via a Google Form with (Full name and contact info, invoice, screenshots/records of step data for the claimed period, communication from HDFC Ergo rejecting claims or terminating the policy, etc.
2. Once all details are complied (and assuming you have everyone/majority on board), issue a legal notice by a lawyer on behalf of the group of individuals to HDFC Ergo, all associated retailers, and Apple India. The notice should demand an explanation for the terminations and claim denials, along with reinstatement of the policies and payment of pending redemptions.
3. If the matter is not resolved amicably within 15 days of the notice:
* File a group complaint with the Consumer Disputes Redressal Commission (National or State-level, depending on the collective value of claims).
* Escalate the matter to the Insurance Regulatory and Development Authority of India (IRDAI) for regulatory intervention.
* Further, consider raising awareness through consumer rights platforms, social media, and relevant publications and build pressure.I am also certain there are terms and conditions in the fine print of the offer and the policy, that dictate and define successful redemption. I’ll need some time to go through them and advise further.
ULawyer here.For the incorporation of an LLP using Form FiLLiP, when the registered office is proposed to be a residential address owned by the designated partner’s brother and wife, you will need to provide certain documents to satisfy the requirements under section (c) of the form. Since the property is not in the name of the designated partner, you must obtain a No Objection Certificate (NOC) from both the brother and the wife, as they are the legal owners of the property. The NOC should clearly state that they have no objection to their property being used as the registered office of the LLP.
For proof of office address, you can attach a copy of any document that establishes the address of the property, such as the registered sale deed, property tax receipt, or lease agreement, if applicable. In this case, as the property is owned, a copy of the sale deed or property tax receipt would be most suitable.
Additionally, a copy of a utility bill not older than two months must be submitted. Acceptable utility bills include electricity bills, water bills, or gas connection bills for the property being used as the registered office. The utility bill should clearly display the property address and must match the address provided in the FiLLiP form. If the utility bill is in the name of the brother or wife, this is acceptable, as long as the address matches the proposed registered office and the NOC from the property owners is attached.
These documents, when submitted together, will satisfy the requirements for proof of office address in the FiLLiP form.
