June 19.
Dear Sir,
My name is Thomas Varghese. I am a Chartered Accountant working abroad. ICICI credit card people are following up for some payments of dues according to them on account of nonpayment of an ICICI lombard policy. Now their Lawyer has sent me a Lawyer notice for the immediate payment of dues. I shall now tell you the story behind this.
One person, claimed himself as ICICI credit card employee, called my wife Beena Thomas, in my absence and checked up whether we hold an ICICI credit card. He then asked for our credit card no: and got the credit card no: from my wife. Later on he explained her about the Critical Care – Secure Mind Policy and compelled her to join in the Policy. She then explained to him that she could not take the policy as she has to get the consent from me. The person then misguided her by telling her that she has got 21 clear days for canceling the policy with out any loss of premium and she can get the consent from me during that period. He then told her that somebody will ring her from ICICI immediately and she has to say that she is mentally sound. He also told her not to inform the caller that she wants the consent from me for taking the policy since there is 21 days for her to cancel the policy in case of need to do so, without any loss of premium. She did exactly what she was instructed to do without knowing that she was being cheated by an inherent criminal.
She contacted me for my consent for taking the Policy within 3 days time and I told her not to take the Policy. She then tried the person (employee of ICICI Credit card division) several times in the mobile no: which he had given to her for contacting him, for the cancellation of the policy, but no one picked up the phone. To her surprise she got the policy within 5 days.
Within 2 days of receiving the policy she immediately went to ICICI Lombards office at Ernakulam and met a staff by name Arathi and gave a written application for cancellation of the Policy. Later we got a confirmation from ICICI that the Policy was cancelled.
Even after cancellation of the policy I used to get dues statement from ICICI credit card division. When I enquired about this with ICICI Lombard at Cochin they said that ICICI Lombard will let ICICI credit card division about the cancellation of the policy and reverse the Card dues. Now to my surprise I got a Layer notice for payment of ICICI credit card dues with interest.
When I enquired about the reason for this Legal notice I was told by ICICI Lombard that there is another Policy taken in my name (Thomas Varghese) in July 07 and cancelled after one month in August 07 and the dues are for the cancellation charge.
I have never contacted anybody in ICICI Lombard for taking a policy nor given any application signed by me nor given my credit card. I am working abroad during that period & even now. My serious doubt is that the person to whom I referred above, who got my credit card details from my wife, would have done this mischief. I have so many policies and investment with ICICI and I have no need to cheat anybody or have any intention for nonpayment of credit card dues. Also I have never taken a Policy at any time using my credit card. All the Policy which I have taken from ICICI & others are paid in cheque. I am a Fellow Chartered Accountant working abroad in a responsible position as General Manager -Finance in a multi national Company.
I have already made a telephonic complaint with ICICI bank (complaint no: SR 70088974) & with ICICI Lombard (complaint no: icicilombard- 180608843)
I humbly request you to please follow up the matter and absolve me from this liability and advice the concerned to reverse the credit card dues. I would be very happy if you can find out through your system the details of the person (commisioned agent) who has cheated me & my wife misusing my credit card. I will be also very happy if you can let me know his whereabouts.
Sir, these type of happenings really harasses me & my family in addition to spoiling my reputation. Sir, I don’t know what mistake I have done in this respect. The mistake I have done is that I have taken a Credit Card facility from ICICI for which I am forced to suffer now.
I am also informing you to issue cancellation order to all my ICICI credit cards and supplementary card for my wife Beena Thomas with immediate effect. I am sorry to take such a drastic step as my card is being misused by ICICI itself.
So once again request you to initiate action immediately.
Thank You,
Yours truly,
Thomas Varghese
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