I was a ICICI Bank Gold card holder. In the 1st week of October '07 I got a call from Mr. Harshu Mehera of ICICI Lombard, Kolkatta branch to buy cash less Medical Insurance policy. It was told to me that the Data of all gold card bearers was provided by ICICI bank and they will get certain additional benefits as a privileged customer. Again it was told that as per IRDA guidelines the entire conversation is recorded, which can be produced on demand. As per the Sales Executive, the premium amount won't be charged to me directly and I have to pay the premiums in monthly EMI without any interest. In case of any deviation from what has been said, the policy can be returned back within 30 days. I was convinced and agreed to go for two Insurance policies, i.e. policy number 4034/FPP/02690812/00/000 and policy number 4034/FPP/02690813/00/000, with an annualized premium of around 14500/- (appx.) together and my monthly premium came to 691/- p.m.
The next month when the bill came, I was shocked to see that the entire yearly premium was charged. I immediately rang up Harshu Mehera (the same executive who sold me the policy) to inform about the wrong billing and requested him for canceling the policy. But to my surprise he avoided it and suggested me to pay the monthly EMI. He promised me to follow up the issue and ensure that the next month I will get the correct bill. As per his commitment I paid two separate cheques as EMI for both my policies amounting to 691/- together. But again next month I got a similar bill where the yearly premium was charged with Interest. But when I complained nobody helped me. I even requested for Cancellation of policies. I might have called the customer care executive of both ICICI Lombard as well as ICICI credit card division several times, but they didn't even care to lodge the complain as my Card had already been blocked. N0 body cared to even guide me or listen to my complain. I even complained the same to the Customer Care Manager, and got an assurance from him for a solution to it. But of no relief. Every month I used to get bills with Interest and charges. Whenever the CCEs of ICICI credit card called me and listened my problem, they used to give false assurance that the matter will be solved. I even went to Videocon Tower, ICICI Bank Office, Delhi, for a solution but nothing worked out.
I am being harassed and penalized for no reason. I doubt if ever I can get justice. Till now I have never been a defaulter of any bank for Payment. Now the bill amount has reached 20, 000/-, and I am being mentally harassed by ICICI Bank since last 6-7 months. I pray for justice. You are the last hope for me.
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