Know The Law India

"Even a weak man can rule a stronger with the help of the law..." Our ancient 'Upnishads' mention the importance of Law. 'Brihadaranyaka Upanishad' (1 of 13 famous Upnishads in India), mentions: "Law is the power of the kingdom, nor is there aught higher than the law. Even a weak man rules a stronger with the help of the law...". Our Honourable Prime Minister Shri Narendra Modi ji explains this very nicely. Source & Courtesy: PMO India PM Modi's speech on National Law Day 2017. https://youtu.be/c9miHn61hT4

Indian Penal Code: IPC 166: Public servant disobeying law, with intent to cause injury to any person Whoever, being a public servant, knowingly disobeys any direction of the law as to the way in which he is to conduct himself as such public servant, intending to cause, or knowing it to be likely that he will, by such disobedience, cause injury to any person, shall be punished with simple imprisonment for a term which may extend to one year, or with fine, or with both. IIIustration: A, being an officer directed by law to take property in execution, in order to satisfy a decree pronounced in Z's favour by a Court of Justice, knowingly disobeys that direction of law, with the knowledge that he is likely thereby to cause injury to Z. A has committed the offence defined in this section. In a recent amendment in 2018, IPC 166A & IPC 166B, have been added to original IPC 166, It relates to non-registration of FIR & not following mandatory procedures in case

Dr. Bhimrao Ambedkar "We must hold on to constitutional methods of achieving our social and economic objectives.  It means we must abandon the bloody methods of revolution..  It means that we must abandon the method of civil disobedience, non- cooperation and satyagraha. Where constitutional methods are open, there can be no justification for these  unconstitutional methods. These methods are nothing but the Grammar of Anarchy and the sooner they are abandoned, the better for us."  -para from Dr. Ambedkar’s final speech in the Constituent Assembly, dated November 25, 1949. This independence day, let us take a pledge to use & explore various Constitutional methods to bring in the changes we want to see in our country. Source & Courtesy: Rajya Sabha Television https://youtu.be/9MYY4SXEGCE www.rstv.nic.in https://www.facebook.com/100430711450290/posts/185254199634607/?sfnsn=wiwspmo&extid=l9RcGRILvDcRBOCL&d=n&vh=e

New 'The Consumer Protection Act, 2019' has come into force from July 20, 2020. Replacing the old Consumer Protection Act 1986. New Act gives more power in the hands of Consumer. It helps consumer in seeking justice for the Deficiency in service, Unfair trade practice, Compensation for the loss/injury suffered due to sell of defective product/service [also known as Product Liability], Non refund/non-return of Product/Service by E-commerce seller within 30 days, misleading advertisement/endorsement, etc. The list is quite long. Did you know? You can personally file a complaint in Consumer court by just writing the complaint on a PLAIN PAPER. Why are Consumer Courts important? Not following the final order of the Consumer Courts can put the Seller (Opposite party) in Jail for the term from 1 month to 3 years and/Or fine from 25k to 1 lakh (*as per Section 72) Time limit for Courts to dispose of consumer complaint? Every Consumer Court must endeavour to dispose of the

*** Read Section 56 & 57 of "THE CODE OF CRIMINAL PROCEDURE, 1973" to understand better. Section 56: Person arrested to be taken before Magistrate or officer in charge of police station A police officer making an arrest without warrant shall, without unnecessary delay and subject to the provisions herein contained as to bail, take or send the person arrested before a Magistrate having jurisdiction in the case, or before the officer in charge of a police station Section 57: Person arrested not to be detained more than twenty-four hours No police officer shall detain in custody a person arrested without warrant for a longer period than under all the circumstances of the case is reasonable, and such period shall not, in the absence of a special order of a Magistrate under section 167, exceed twenty-four hours exclusive of the time necessary for the journey from the place of arrest to the Magistrate's Court. *** There are two types of offences: - Non

From 1/4/2019, TRAI has implemented following regulation: "Telecommunication (Broadcasting and Cable) Services Standards of Quality of Service and  Consumer Protection (Addressable Systems) Regulations, 2017" Not following above regulation by your DTH operator is violation of law. Know this regulation governing the service standards offered by DTH operators like Tata Sky, Dish TV, Airtel TV, Cable operators, etc.  For example:   As per sec 5(1): No distributor of television channels or its linked local cable operator, as the case may be, shall, without receiving a request from a subscriber, make any change in the services subscribed by  that subscriber. Section 19 & 22 talks about timeline for sending invoice and format of it. Section (10), Sec (11) & Sec (17) talks about price protection for channel packages when advance payment has been made. Also many more rules & minimum standards in it to ensure DTH & Cable operator provide quality services to

If your bank does not resolve your complaint within 30 days.  Approach RBI's Banking Ombudsman. You can simply write your complaint  on a 'Plain paper' or  Fill up a 'Form' available online on RBI's website  or  Send an 'Email' to Banking Ombudsman's email address.  - It is a cost free & hassle free way to resolve your banking complaint. - Banking Ombudsman is governed by 'Banking Ombudsman Scheme 2006' of RBI - 'Clause 8' of this scheme (regulation) is very important. It covers various 'Grounds of Complaint' on which a complaint can be made.  - You can select one ground (topic) relevant to your complaint from this list of around 46 Grounds and mention the same in your Complaint letter. - Ombudsman shall try to solve the complainant within 30 days from the date of receipt of the complainant by its Office [as per Clause 12 (1)] - Compensation for any loss suffered

Delay in settlement of your #mediclaim by health insurance company?   Know your rights. As per Section 16 of "Protection of Policyholders' Interest Regulations, 2017", Every Health Insurance Company is required to initiate & complete the investigation (Process the claim papers) within '30 days'  and  settle the claim (full/partial) within '45 days' from the receipt of last necessary documents from Customer (hospital bills & other reports/certificates).  In case of delay beyond stipulated '45 days' the Insurance Company shall be liable to pay interest at a rate of 2% above the bank rate from the date of receipt of last necessary document to the date of payment of claim. Make sure to mention this in your Complaint letter when you Complaint to grievances cell of your insurance company in case of delay. Insurance Ombudsman: If your Insurance Company does not solve your complaint within 30 days. - You can complaint to 'Insurance

8 years Moratorium Period in General and Health Insurance Once you have paid premiums for a health insurance policy for eight years continuously, your insurer will have to pay all claims as per the policy limits from April 1, 2021 onwards After the expiry of the eight-year moratorium period no health insurance claim can be contested. The exceptions are proven fraud and permanent exclusions specified in the policy contract. After completion of eight continuous years under the policy no look back to be applied. This period of eight years is called as moratorium period. The moratorium would be applicable for the sums insured of the first policy and subsequently completion of 8 continuous years would be applicable from date of enhancement of sums insured only on the enhanced limits. After the expiry of Moratorium Period no health insurance policy shall be contestable except for proven fraud and permanent exclusions specified in the policy contract. The policies would however be subject to

Did you know? Cooking gas or LPG cylinder at your home is governed by: "The Liquefied Petroleum Gas ( Regulation of Supply and  Distribution) Order, 2000" by MINISTRY OF PETROLEUM AND NATURAL GAS If your distributor or supplier is violating any of the norms mentioned in above Order, you can complaint to higher authorities. For example:  Under Clause 9 (e): No distributor shall, without prior written permission of the concerned Government Oil Company, refuse to make home delivery at the address of the consumer, as registered with the distributor; Clause 9 (d): No distributor shall sell LPG at a higher price than that fixed  by the Government Oil Company or the parallel marketer. Prohibited Activities (for Government Oil Companies) SCHEDULE -1[ see clause 3 (4) ]: 1. Forced sale of Stove / Hotplates to the consumers. 2. Recovery of unauthorised charges from applicant at the time of registration / release of new  connection. 3. Supply of partially used cylinder / pilfering produ