I am a retired officer of State Bank of India in my late seventies. After a good 12 years of my retirement I was requested by a person claiming to be a representative of ICICI Lombard Insurance over telephone to take a health insurance policy with claims on no cash payment basis. When told about my age he suggested that I could take the cover for my son on payment of a lumpsum of about Rs 5000/- and a small amount of Rs 270 per month for 2 years. As the policy was for health insurance I invited him for a discussion with application forms etc. Strangely, instead of coming he sent by post ICICI Lombard policy number 4034/CHC/0326924/00/000.As the matter had become a fait accompli we kept the policy & ICICI Bank who had earlier issued their credit card no. 4477470231663007 offered to pay the premium by debit to their credit card without any request from me. This was understood to be operative for two years. But strangely, even after premium for the whole period had been paid (which was also confirmed by ICICI Lombard) ICICI Bank continued to raise monthly debits on their credit card. However as the stipulated period was over we stopped paying further premium. At this ICICI Bank started sending threatening letters and made phone calls to our residence. They also vowed to destroy any credit that I enjoyed in the market by publicising our alleged default. The matter was taken up with their head office who promised to arrive at a mutually acceptable compromise (According to them only three installments of Rs 270 each were due from us). But the local office of ICICI Bank continued to put pressure on us freely abusing our family members at all hours of day and night and also threatened to send a debt collection officer to our residence to realise their dues amounting to Rs 4947.39.At this, in my absence, people at my residence decided to pay the money claimed to avoid violent/criminal action. As the insured party we have received no benefits as no claim was lodged whereas ICICI Bank and ICICI Lombard Insurance realised in aggregate. We want that Rs 4947.39 that we were forced to pay should be refunded by ICICI Bank. Thanking you,
Sincerely,
Manoranjan Bhattacharya
W2C 5/6, Phase 2,
Golf Green, Kolkata-95.
Mobile:9836792349.
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