[Resolved] ICICI Prudential — Cheating / not sticking to the confirmed guidelines | |||
Dear Consumer forum, I have taken my policy from ICICI 3 years ago. my complaint: 1. during the policy initiation, the agent told me that I can change the payment frequecy ( yearly / monthly) and increase / decrease premium too. * after 3 year I requested ICICI - to change my frequency of payment to yearly - they agreed and changed immediately. - to change the my preminum amout from 36k / year to 12k per year, I got a mail from customer care that as per the policy they cannot change to 12 k it should be mim 20k. I said fine. go ahead change it. TILL NOT THIS IS NOT DONE AND CUSTOMER CARE PEOPLE ARE ALMOST HARSING ME LIKE ANYTHING. EACH TIME ONE PERSON I HAVE TO EXPLAIN WHOLE STORY. POINT TO HIGHLIGHT IS: THEY ARE DEDUCTING SOME AMOUT MONTLY FROM MY EXTING AMOUNT, AS PER THE POLICY I CAN CLOSE THE ACCOUNT ANY TIME AFTER 3 YEAR, I TOLD THEM TO CLOSE TILL NOW ITS NOT CLOSE AND DEDUCTING AMOUNT FROM MY CURRENT POLICY AS MAINTENANCE. CAN SOME ONE HELP ME Was this information helpful? | |||
Aug 14, 2020 Complaint marked as Resolved | |||
 2 Comments | |||
Comments
To, Date : 17TH Oct 2010
The Manager
ICICI Prudential Life Insurance Co. Limited
Dehradun (U.K) / Mumbai
Subject : Policy Freelook, due to Cheating/Fraud Commitments by Agent Through
Noida/ Saharanpur Office Payment Cheque No. 378468 & Receipt No. 2233833
Dear Sir/Madam,
My Self Dinesh Kukreti, Customer of ICICI Bank & Insurance Sector (My Old Policy No. 02099892 &[protected] Since Last Dated 01st Oct 2010, One call Regular came on my Mobile & Regular Follow-up with me regarding Premium payment of Rs. 18000/- Against Old Policy No. 02099892.
I have paid Rs. 18000/- Against Cheque No. 378468 Dated 05TH Oct 2010 for my Old Policy No. 02099892. But by Agent this Amount Rs. 18000/- has given New Policy No. 14572867 Dated 12.10.2010 which is Totally Cheated Thinking & Cheating With me.
Below Following Points Discuss/Commit with Me by Agent.
01. If you are pay Renewal Premium Rs. 18000/- Against Policy No. 02099892, Bonus Amount Rs. 25267/- Credit in your Bank A/C within 30-35 Days.
02. This Amount Rs. 18000/- will be add / increase in your current fund value policy no. 02099892.
03. You will free for Withdrawal this amount & Fund Value when you want withdrawals, because your locking 03 years period has been completed.
04. 01 Bonus credit form will be signed by you for Bonus credit in your Bank A/C. WHICH WAS Application form no. LL[protected]I was Not aware Regarding this form) & collect my documents (Photo, Pan card photocopies etc.)
After above Discussion I haven given Rs.18000/- against cheque no. 378468 dated 05/10/2010 drawn bank name ICICI Bank Limited – Haridwar Branch in favour of ICICI Prudential Life Insurance Co. Limited. & Amount Rs. 18000/- was debited from my A/c dated 06/10/2010.
But when I mention the Policy No. on the cheque, objection create by agent please do not write policy no. on the cheque. We have already your Data & your Policy No. We will do & write the other details. At present I am late for going to Roorkee….
I faith on the agent & give cheque to Agent. After that dated 06/10/2010 Rs. 18000/- Debit from my A/C with Receipt No. 2233833. Then after 02 days I was check my fund value was showing as previous. (No amount increase in fund value) then I was contact to customer care & give the payment details then I know New Policy has been Issued. I have very Big Shocked & I am feeling Cheating / Fraud Commitment has been Done with Me.
One New Policy has been Issued to Me Against this Amount Rs. 18000/- which was Paid for Old Policy No. 02099892.
So you are request to Please cancel / Free look this policy & I am not Interested to continue this new policy. Please return My. Full payment Rs. 18000/- immediately. & I will continue my old policy 02099892 which was paid for premium against ch no. 378468.
Request to You Please take the action Against these type of Fraud Agents in Your Co. who will Loss the BUSINESS & Co. Name.
Please note I have not Received New Policy Till date 17/10/2010, which was Issued to Me Dated 12/10/2010. So that I am not able to submit New Policy Bond with Free Look Documents.
Payment Receipt No. -2233833 Dated 05 Oct 2010. Deposit in Saharanpur Office.
Application form No. LL40312985
New Policy No. 14572867 Dated 12.10.2010 (Which is Issued me by Cheating & Fraud with me)
Cheque No. 378468 Dated 05/10/2010 (icici Bank Limited Haridwar Branch)
So you are requested to Please Retrun the Full Amount Rs. 18000/- & Freelook the Policy ASAP.
I Shall be Highly Obliged to You & Your Cooperation Team.
Regards Customer Signature
Dinesh Kukreti
House No. 295/18, Bikaner Sweet Shop Street,
Near Holy Ganges School,
Govindpuri, Haridwar
Uttarakhand.
Pin Code – 249407
Contact No. [protected]
The Manager
ICICI Prudential Life Insurance Co. Limited
Dehradun (U.K) / Mumbai
Subject : Policy Freelook, due to Cheating/Fraud Commitments by Agent Through
Noida/ Saharanpur Office Payment Cheque No. 378468 & Receipt No. 2233833
Dear Sir/Madam,
My Self Dinesh Kukreti, Customer of ICICI Bank & Insurance Sector (My Old Policy No. 02099892 &[protected] Since Last Dated 01st Oct 2010, One call Regular came on my Mobile & Regular Follow-up with me regarding Premium payment of Rs. 18000/- Against Old Policy No. 02099892.
I have paid Rs. 18000/- Against Cheque No. 378468 Dated 05TH Oct 2010 for my Old Policy No. 02099892. But by Agent this Amount Rs. 18000/- has given New Policy No. 14572867 Dated 12.10.2010 which is Totally Cheated Thinking & Cheating With me.
Below Following Points Discuss/Commit with Me by Agent.
01. If you are pay Renewal Premium Rs. 18000/- Against Policy No. 02099892, Bonus Amount Rs. 25267/- Credit in your Bank A/C within 30-35 Days.
02. This Amount Rs. 18000/- will be add / increase in your current fund value policy no. 02099892.
03. You will free for Withdrawal this amount & Fund Value when you want withdrawals, because your locking 03 years period has been completed.
04. 01 Bonus credit form will be signed by you for Bonus credit in your Bank A/C. WHICH WAS Application form no. LL[protected]I was Not aware Regarding this form) & collect my documents (Photo, Pan card photocopies etc.)
After above Discussion I haven given Rs.18000/- against cheque no. 378468 dated 05/10/2010 drawn bank name ICICI Bank Limited – Haridwar Branch in favour of ICICI Prudential Life Insurance Co. Limited. & Amount Rs. 18000/- was debited from my A/c dated 06/10/2010.
But when I mention the Policy No. on the cheque, objection create by agent please do not write policy no. on the cheque. We have already your Data & your Policy No. We will do & write the other details. At present I am late for going to Roorkee….
I faith on the agent & give cheque to Agent. After that dated 06/10/2010 Rs. 18000/- Debit from my A/C with Receipt No. 2233833. Then after 02 days I was check my fund value was showing as previous. (No amount increase in fund value) then I was contact to customer care & give the payment details then I know New Policy has been Issued. I have very Big Shocked & I am feeling Cheating / Fraud Commitment has been Done with Me.
One New Policy has been Issued to Me Against this Amount Rs. 18000/- which was Paid for Old Policy No. 02099892.
So you are request to Please cancel / Free look this policy & I am not Interested to continue this new policy. Please return My. Full payment Rs. 18000/- immediately. & I will continue my old policy 02099892 which was paid for premium against ch no. 378468.
Request to You Please take the action Against these type of Fraud Agents in Your Co. who will Loss the BUSINESS & Co. Name.
Please note I have not Received New Policy Till date 17/10/2010, which was Issued to Me Dated 12/10/2010. So that I am not able to submit New Policy Bond with Free Look Documents.
Payment Receipt No. -2233833 Dated 05 Oct 2010. Deposit in Saharanpur Office.
Application form No. LL40312985
New Policy No. 14572867 Dated 12.10.2010 (Which is Issued me by Cheating & Fraud with me)
Cheque No. 378468 Dated 05/10/2010 (icici Bank Limited Haridwar Branch)
So you are requested to Please Retrun the Full Amount Rs. 18000/- & Freelook the Policy ASAP.
I Shall be Highly Obliged to You & Your Cooperation Team.
Regards Customer Signature
Dinesh Kukreti
House No. 295/18, Bikaner Sweet Shop Street,
Near Holy Ganges School,
Govindpuri, Haridwar
Uttarakhand.
Pin Code – 249407
Contact No. [protected]
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