[Resolved]  ICICI Prudential — Complaint Against ICICI Prudential for fraudulent Act - Policy No 11370425

Address:

Chandigarh, Chandigarh

Dear Sir

Please find below all my conversation with ombudsman and ICICI Prudential for the compalint against them , but no resolution recieved from there end on the same .
________________________________________________________________________________...⇄

RE: Complaint Against ICICI Prudential for fraudulent Act - Policy No 11370425
Fri, January 29, 2010 1:31:24 AM
From: "[protected]@irda.gov.in" <[protected]@irda.gov.in>View Contact
To: Neelam Agnihotri <[protected]@yahoo.com>


Dear Sir/Madam,

Your complaint is forwarded to the Insurance company for resolution of the matter at their end. You will be delivered a complaint registration no. (if postal address is already provided along with the complaint) which you should mention in your all future communications in respect of this complaint.



However, please note that we do not adjudicate any dispute between the insurer and insured.


Regards,
(Sudipta Bhattacharya)
Deputy Director
IRDA
Hyderabad.

-----Original Message-----
From: Neelam Agnihotri [mailto:[protected]@yahoo.com]
Sent: 12 January 2010 21:38
To: [protected]@irda.gov.in
Subject: RE: Complaint Against ICICI Prudential for fraudulent Act - Policy No 11370425

Dear Sir,
Please find the attachment

--- On Tue, 1/12/10, Neelam Agnihotri <[protected]@yahoo.com> wrote:

From: Neelam Agnihotri <[protected]@yahoo.com>
Subject: RE: Complaint Against ICICI Prudential for fraudulent Act - Policy No 11370425
To: [protected]@irda.gov.in
Date: Tuesday, January 12, 2010 , 3:59 PM

Dear Mr. Bhattacharya,

Please find enclosed the complaint form and the rest details are mentioned in the trail mail.


Regards
Neelam Agnihotri
[protected]


--- On Wed, 12/23/09, [protected]@irda.gov.in <[protected]@irda.gov.in> wrote:


From: [protected]@irda.gov.in <[protected]@irda.gov.in>
Subject: RE: Complaint Against ICICI Prudential for fraudulent Act - Policy No 11370425
To: "'Neelam Agnihotri'" <[protected]@yahoo.com>
Date: Wednesday, December 23, 2009 , 11:50 AM


Dear Sir/Madam,


We could not process your complaint due to some or all of the following reason/s:

policy/proposal/client id/application/cheque number not mentioned

name of the insurance company not available

subject matter of the complaint is not clear

your contact address is not provided

not readable on our system


You are requested to lodge your complaint afresh with due intimation of the policy no., name of the insurance company, subject matter of the complaint and your contact address. You are requested to use the complaint registration form available in our website www.irdaindia.org. A copy of the complaint registration form is attached herewith for your convenience.



Regards,
(Mr. Sudipta Bhattacharya)
Deputy Director
IRDA
Hyderabad.

-----Original Message-----
From: Neelam Agnihotri [mailto:[protected]@yahoo.com]
Sent: 09 December 2009 14:38
To: [protected]@irda.gov.in; [protected]@yahoo.co.in; [protected]@ndtv.com; [protected]@iciciprulife.com
Subject: Re: Complaint Against ICICI Prudential for fraudulent Act - Policy No 11370425



Dear all,



Please find below the trail mail and request your urgent action on the same as it has already been pending since three months.



To " Life Complaints . Gov "



Kindly know that i have not be getting any revert from ICICI pru inspite of repiptative followups with them.



Hope to get an early reveret from ur end also.



Thanks & Regards

Neelam Agnihotri
[protected]


________________________________________________________________________________...⇄
From: tariq <tariq.[protected]@iciciprulife.com>
To: [protected]@yahoo.com
Sent: Mon, March 22, 2010 4:45:39 AM
Subject: ICICI Prudential Life Insurance Company Ltd Call ID 21634788


Dear Ms Neelam Agnihotri ,



I refer to your letter highlighting concerns pertaining to your LifeStage Assure (105L083V01) policy number 11370425.



As per your request, we have reassessed your concern with all the concerned parties and have considered all the aspects before providing our decision to you. Post review of your concerns, we wish to inform you that the company stands by its decision conveyed to you vide our email dated December 23, 2009 and the same may be considered as a final stand taken by the company in this regards. I am attaching the same below for your perusal.



I trust this adequately clarifies the stand taken by the company in this regard and believe that you would have understood the same in its right perspective.



Incase of any further assistance, please contact us on our customer service helpline number[protected]. You may also write to us at [protected]@iciciprulife.com.





Warm Regards,











Tariq Malwawalla





Associate – Customer Relations











ICICI Prudential Life Insurance Company Ltd
I
Direct: +[protected]
I
Fax: +[protected]

tariq.[protected]@iciciprulife.com
I
www.iciciprulife.com
I


Vinod Silk Mills Compound, Chakravarthy Ashok Nagar, Ashok Road, Kandivali (E) Mumbai 400 101











* Insurance is a subject matter of solicitation.

* In ULIP policy, the investment risk is to be borne by the policyholder.



-----Original Message-----

From: teena katyal [mailto:teena.[protected]@iciciprulife.com]

Sent: Wednesday, December 23, 2009 5:21 PM

To: '[protected]@yahoo.com'

Subject: ICICI Prudential Life Insurance Company Limited



Dear Mrs. Neelam Agnihotri,



This is in reference to your email dated November 29, 2009 regarding your LifeStage Assure [UIN: 105L083V01 ] policy number 11370425 issued in your life.



With reference to the concern pertaining to your signatures being discrepant, we wish to state that you had submitted an application bearing number LL30257785 for insurance on your life under the LifeStage Assure.



On the basis of the information given by you in the proposal form and in accordance to our underwriting norms, a Policy bearing number 11370425 was issued on your life on 10th March 2009. The Policy Document was delivered at your residence / mailing address on 21st March 2009.



We submit that in as per Clause 6 (2) of the Insurance Regulatory and Development Authority (Protection of Policyholder's Interests) Regulations, 2002 every policy document sent by the Company is accompanied by a forwarding letter which clearly mentions that in case the Policyholder is not satisfied with the features or the terms and conditions of the policy he can withdraw/ return the policy within 15 days i.e. under the "Free Look period" provision. We state that the policy document was retained by you and you did not raise any concern on the signature discrepancy during the Freelook period. This clearly implied that you were agreeable to all the policy terms and conditions and the details in the proposal form.



We further submit that as per Regulation 4(1) of the Insurance Regulatory and Development Authority (Protection of Policyholder's Interests) Regulations, 2002, a copy of the Proposal form is also sent along with the Policy document thereby giving an opportunity to the Policyholder to re-examine the replies made by him in the proposal form and get the details rectified in case of any discrepancies. We state that you never approached the Company stating that any information given by you in the Proposal Form by him was incorrect or untrue or that the signatures were not yours.



After careful evaluation from the concerned department, it is evident that there is no proof to suggest that your signature were discrepant. In view of this, we cannot accept your request for canceling the above policy and refunding the premiums paid there under.



We state that any benefit under the policy becomes payable strictly in accordance to the policy terms and conditions. For further details, you may refer the policy document sent to you.



In view of the above, we are unable to comply with your request for cancellation of policy or a refund of premiums paid.



I trust the above explanation puts your concern at rest.



Incase of any further assistance, please contact us on our customer service helpline number[protected]MTNL/ BSNL toll-free) or[protected]. You may also write to us at [protected]@iciciprulife.com



Warm Regards,



Teena Katyal

Manager – Customer Relations



ICICI Prudential Life Insurance Company Limited Direct: +[protected] Fax: +[protected]

teena.[protected]@iciciprulife.com www.iciciprulife.com


________________________________________________________________________________...⇄

--- On Sun, 11/29/09, Neelam Agnihotri <[protected]@yahoo.com> wrote:


From: Neelam Agnihotri <[protected]@yahoo.com>
Subject: Complaint Against ICICI Prudential for fraudulent Act - Policy No 11370425
To: [protected]@irda.gov.in, [protected]@yahoo.co.in, [protected]@ndtv.com, [protected]@iciciprulife.com, [protected]@iciciprulife.com, [protected]@iciciprulife.com
Date: Sunday, November 29, 2009 , 6:55 AM

Dear all



I , Neelam agnihotri working as a senior assitant in State Bank of India is filing a complaint against ICICI Prudential , as have got a policy done with them in Feburary dated 21st 09 of the same month .

As per my communication with FSC mr. Deepak Bhola sitting at the branch office of sector 9 Office , i was told that the policy was done with an annual premium amount of Rs 20,000/- for the policy no 11370425 ( insured amount Rs 200000 ) and will recieve the policy documents with same details . But many months passed by and i did not recieve the documents and then one day my maid found the same lying in a very bad state in the bushes in my garden . Then suddenly i start recieveing letters from your office for payment of second premium amount which left me shocked and then i got to know from the documents send by you that the policy was done for half yearly premium amount of Rs 20000/- i.e Rs 40000/- annually .



This is to bring to your notice that by the time i got the policy documents the freelook period had already been over and inspite of my continous follow -up with the customer care of ICICI Prudential on phone of closing my policy and returning my money Rs 20000/- as i have been sold the policy by their representative wrongly and a careful check through the form has also brought to light the fact that they have also forged my signatures at many places on the form and have also mentioned wrong contact number in polciy which i got corrected after reptative conversation with their customer care . The details of the conversation are as follows :

- First submitted a written complaint at their ofiice on 16th September with due recieving from them .

- Then a verbal communication on phone with Mr. Ojus Executive at their customer care call centre , but no revert on my complaint .( on 27th Oct 2009 )

- Had a word with his senior Supervisor Mr. Hemant on 27th Oct also , who told me that the Feeedback no is 14050490 and they are again sending the complaint to higher athuroties for relook as they have earlier rejected my complanit saying that we could have got the same freelooked and so now the policy can not be closed and no money will be returned , so i told them all the above mentioned deatils again , wherein they said will look in to the matter .

- Then on 9th Nov spoke to the Vipin and Harpreet but was in vain as they asked me to wait till 17th Nov for resolution , but have not recieved any details from any of them till date , so writing to you for resolution and getting my money back .



Please note that i am the only bread earner of my family as my husband has been on bed since last 6 years and have 2 daughters and a son for whom i have to takcare of his studies and takecare of my house also . Also note that 20000/- amount is a very big amount for a goverment employee who is the single earner of her family .



Kindly consider all the above details as have been mentally haressed and cheated since the time this policy have been started .



Looking forward to your positive and prompt response on my complaint .


Thanks and Regards

Neelam Agnihotri
[protected]