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THE Consumer Protection ACT, 1986
THE Consumer Protection ACT, 1986
CONSUMER
PROTECTION
ACT, 1986
1
OBJECT
Provide for better protection of
interest of consumers
Make provisions for establishment of
consumer councils
Establish authorities for settlement of
consumers disputes and for matters
connected therewith
2
Rights of Consumers
District Forum
Constitution:
President
(Retd.
District Judge) and two other
members (at least one woman)
Jurisdiction: to entertain complaints
involving value of goods or services and
the compensation claimed not exceeding
Rs.20 lac.
7
Appeal:
days.
Other Features
Limitation Period: No complaint shall be
admitted after two years from the date on
which the cause of action has arisen. Delay
may be condoned
Frivolous Complaints: Such complaints will
be dismissed and complainant shall be
ordered to pay cost not exceeding Rs.10,000/Penalties for Non-Compliance of Order:
shall be punishable with imprisonment (not
less than one month and upto three years) or
with fine upto Rs.10,000/- or with both
No Second Appeal
12
Deficiency of Service in
Insurance
Delay in issuance of policy after receipt of premium
and improper rating;
Delay in processing of claims including appointment of
surveyors/investigators;
Appointment of more than one surveyor;
Lack of follow-up action for submission of survey report
as well as inaction on receipt of the same;
Delay in disposal of claims after receipt of all reports;
Improper Repudiation Letter / Closure of claim;
Failure to intimate decision within reasonable time;
Unclear terms of settlement;
Non-renewal of policy without valid ground;
Adjustment of refundable premium / claim amount
against other policies
13
Defences
Repudiation of claim on valid grounds [including
fraud] within reasonable time period;
Disputes in respect of claims which may involve
examination of all necessary parties as well as
evidences and witnesses to be decided by civil
courts;
Where the subject matter of complaint is sub judice
before a civil court, the Consumer Forum has no
jurisdiction to interfere;
Not to interfere after settlement of claim on full and
final discharge by consumer without having evidence
of force and coercion in respect of discharge voucher
14
Thank you.