Cemetery Ordinance

When the Malankara Metropolitans failed the Jesus Christ, his teachings, and the whole Christianity, citing 1934 Constitution and some absurd judgments of Justice Arun Mishra, the LDF Government of Kerala has decided to step in with an Ordinance to correct some morally abhorrent activities pursed by the Malankara Clergy to capture power, property and Churches. Here is the copy of Kerala Christian Cemeteries (Right to Burial of Corpse) Ordinance, 2020.

Never give additional documents sought by the Insurance Companies

I have several general insurance cases, a field that recently got developed in Kerala, after the State witnessed numerous instances of flood and related damages. General Insurance, unlike its sibling Motor Accident Insurance, is slightly more complex and technical. In general insurance cases, the insurance company would have a dossier on the insured, and a survey report on the loss caused, already prepared before anything ever reaches the court. A lawyer is consulted by the claimant for the first time, only when the insurance company offers a meager compensation, with an ominous threat, take it or leave it.

In my course of practice, I have witnessed two general follies regularly committed by the claimants. One, they reduce the original claim after meeting with the surveyor who talks down, promising an easy approval of compensation; and Two, they give all their documents and open up all books, balance-sheets and tax assessments to the surveyor.

One thing everyone should know is that insurance companies are not doing any charity work. They employ third-party-assessors and surveyors only to screw the insurer and to lower the reimbursement. Claimants should therefore keep third-party-assessors and their surveyors at an arms length. Surveyors may act friendly, but are they are not the friends of the claimants. Finding faults with the claim, is the primary task of surveyors, rather than assessing the loss caused.

So, never lower the original claim filed before the insurance company, at the instance of the surveyor. The surveyor is bound to file his report within three months. If he doesn’t, it his problem. The claimant need not make way for the Surveyor to finish his job easily or early. Similarly, do not give all the documents the surveyor asks for. Give only those documents which are absolutely necessary to assess the loss. Other documents like tax assessments and bank statements should be withheld, pleading ignorance.

If the insurance surveyor asks for unreasonable amount of documents, be warned that he is trying to build a dossier against the claimant, so as to justify his rejection of the claim.

Lodgment Schedule

It is my 11th year in legal practice, I am dumbfounded at times, seeing the complexities of the system. Lodgment Schedule! What is it? How is it drawn up? Who all knows about it? I guess none!

Two weeks ago, I got a judgment under Section 57 of the Transfer of Property Act, releasing an encumbrance attached to a property, on payment of money to the court. The judgment said, pay Rs. 40,000/- to the court, within one month, to release the encumbrance. Simple and sound.

But how to pay money to the court? My first impression was that Shirasthar may accept cash. He will not. The concerned Shirasthar was of the opinion that payment should be made to the respondent and not to the court. In my case, Respondent was exparte.

So, I consulted my father’s clerk at Perumbavoor, Ravi Chettan, who is very senior in the profession, and an expert of all civil rules. He introduced me to the Lodgment Schedule, prescribed under Rule 355 of the Civil Rules of Practice.

Lodgment schedule is the application one has to submit to the court, to get chellan for remitting money in treasury, on account of the court. This, though sounds simple, is a very complex exercise in practice. Many of the officers manning the court registry are ignorant about the registers and entries to be made to process the lodgment schedule and issue chellan thereto. In my case, judgment was rendered by Additional District Court (Edamalayar), and lodgment schedule of it can be processed only at Principle District Court, located 5kms away. One is made to run from pillar to post, from Panampilly Nagar to Park Avenue, back and forth, just to get the challan of the court, to pay the money in the treasury.

To cut it all short, I had to spend more than Rs. 5000/- to pay a sum of Rs. 40,000/- to the court. Service of Ravi chettan himself had to be procured, to get things done. Why is it made so much complicated? Lodgment schedule, total nonsense!

Puduval Rules

What was the law that governed government land assignments in erstwhile State of Travancore? My search ended in Puduval Rules, enacted under Government Land Assignment Regulation III of 1097 ME. These rules are relevant now after the Kerala High Court held that nature of land assigned cannot be converted or used for other purposes.

Most of the land in Idukki and Kottayam Districts are pattayam lands (government assignments), dating back to the era of Travancore Kingdom. To understand the terms of assignment of such lands, references to Puduval Rules are necessary. Puduval Rules are not available in any book right now. The only copy available is in Travancore Law Journal, kept in the restricted section of the Kerala High Court Library.

So, here is a digital copy for everyone.

Internet Banking in Bank of Baroda – A brain frying exercise!

Never ever open a Bank of Baroda account, if internet banking is a priority! I didn’t open mine! My old senior opened it for me, and my first pay-cheque got encashed in Bank of Baroda, Ernakulam North Branch. So, I am retaining it merely due to the said nostalgia. Basically, it is a stupid bank, with some branches, and ATM-CDM kiosks. Apart from that, there is no decent Mobile App, Internet Banking system or proper UPI connectivity. True-caller is its UPI partner! So, guess the state of things at Bank of Baroda.

One should crawl into the branch! It is for security!

This write up is about the super-complex Internet Banking system of Bank of Baroda. It is so secure that a customer will eventually end up locking his own bank account. It is not designed to facilitate internet backing, but rather, it is a memory test for all its customers – about his/her grandmother’s maiden name, name of the first pet dog, and such other things. In any login, one will have to pass the said memory test, enter his phone number and system generated OTP, just reach the Home page. OPTs are 8digits long. If any of your password is more than 180days old, you are dead. You should play the memory game again, and enter OPTs again, just to renew those password. Memory game has more than twenty one questions! So guess the chance of anyone remembering it all! Then, memory-responses are case-sensitive to make the system air-tight secure. If you accidentally, double clicks any button, or copy-paste any entry, you will be thrown back to square one. Then there are several java run-time-errors, obviously expected from such complex system! If you are lucky, you may able to check your bank balance online! Or else you will end up locking the account itself.

I wonder who is behind this complex layout of Bank of Baroda Internet Banking. He genuinely hates the bank, and wants all the customers to flee to other banks. I have about 9bank accounts, in different banks, and none of it is so complex and frustrating. Bank of Baroda fries the brain!

The 1st edition of 1934 Constitution of Malankara Church

It is relevant to note Article 3 of the 1st edition of the 1934 Constitution. It is stated therein that the Malankara Church is ‘also known’ as Malankara Jacobite Church. But this clause was secretly amended later to state that the Malankara Church is ‘wrongly known’ as Jacobite Church! There laid the first seeds of malankara church disputes!

A question of identity of a community!