I have got ICICI credit card No.4076515079559009 during May-07. I have made several purchases using this card and also I have paid the due amount periodically. During Jun-07 their associate company ICICI Lombord called for a mediclaim insurance policy for a total premium amount of Rs.6522/- in 24 equal installments. The necessary amount was debited in my above card account. After completion of 17 installments After two months they have sent one more medilaim card to me pertaining to my wife card. But the two premium was debited in my above card account. After 17 installments, I have asked Lombord people to cancel the both policies. They have agreed for the same. I have received my Nov-08 statement has a opening balance of Rs.5445.00 (due date 07.12.08) without adjusting the above two policy amounts. They have debited the two premium installments as usual. I hope that they have reversed the total premium amount so far debited in the month of Dec-08 statement. I have received the Dec-08 statement. I am very much shocked. They have reversed the service tax and interest amount to the tune of Rs.1379.24. More over they have debited Rs.2041.37 (the balance premium amount I have to pay in the total amount of Rs.6522/-). Hence the total amount due is raised Rs.7066.31 I have received my Jan-09 statement. In that they have reversed Rs.763.32 towards the another policy. In that also they have debited an amount of Rs.1470.47 (the balance premium amount I have to pay in the total amount of Rs.6522/-). Hence my total due amount further raised to 8874.05. I have sent complains to their Grievances Redress to Mr. Harshil Mehta, Hyderabad explained their wrong debits and necessary to my card account. But till date I have not received any reply. In the month of April-09 they have accumulated my due amount to Rs.10000-/ plus and I have received a notice from their credit card division for immediate payment. I have against sent detailed letter to their customer card. But all are vain. In the month of May-09 first week I am unable to withdraw my salary amount (April-09 salary) since my card was blocked by the credit card people. In this I have approached my ICICI Nungampakkam branch They have simply replied that your salary amount was fully debited against your credit card dues. Hence you please go to credit card division for further inquiries. I have gone to credit card division for clarification. They have not ready to address my problem and they have simply whatever debited was debited. If you want to closed this issue you just sign the settlement form. Other wise you have to pay more and more by way of late fee interest etc. And more over you have told that the reversal was not made properly by our Lombord people, you please visit our Lombord office for clarification.
After that I have wrote a detailed letter to Lombord customer care. In this regard one Mr. Irfan Baig from their Mumbai office called me over phone and he had explained that my two policies were canceled and they were given full refund. On hearing from him I have again wrote a detailed letter to ICICI credit card division explaining that the Lombord people given full refund, but you have not given the same. But no response. Still they have sent statments with a due amount of more than Rs.3000/- plus. As per my calculations they have reversed atlease an amount Rs.10000/-. Hence you please look into the matter and arrange for an early reversal.
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