LEELA DEVI Vs. STATE BANK OF INDIA

JUDGEMENT

(1.) This is an appeal against the order dated 22.6.2004 passed by the District Forum, Uttarkashi whereby the complaint of the complainant was dismissed.

(2.) The brief facts of the case are that the complainant was sanctioned a loan of Rs.25,000 by opposite party No.1 under Women Group Loan Scheme for her self-employment. The first instalment of Rs.12,500 was paid by the opposite party No.1 on 15.3.2000 and the other instalment of Rs.12,500 was paid on 28.7.2000. It is a alleged that she purchased two buffaloes from the amount of the loan and the buffaloes were examined by the veterinary doctor and tag No. NIA-99/0020 and 98-NIA-321902/5375 were affixed in the ears of the buffaloes. According to the terms of the loan, both the buffaloes were got insured by the complainant with the opposite party No.2 through the opposite party No.1 for a sum of Rs.12,500 respectively for a period of 3 years on 25.3.2000 and 14.8.2000 and the amount of premium was paid from her account.

(3.) It is further said that on 9/10.8.2002 due to sudden flood, her Gaushala was washed away and the buffaloes of the complainant which were insured and tagged, died. Information was given to the opposite party No.2 through opposite party No.1 in time. She also informed the veterinary doctor regarding the death of the buffaloes and requested for post-mortem. On her request, the doctor came to the spot after 2-3 days and he certified the death of buffaloes due to flood and also certified the presence of tags in the ears of the buffaloes. No investigation was conducted by the opposite party No.2. She was was not issued the claim form due to which she could not fill the claim form. The claim was repudiated without any reason. Therefore, she filed the complaint.