ICICIcredit Card — fee and amounn related

Sir,

I need your help.

When I got my credit card from icici bank a executive name ramesh his number [protected] called me and told that to activate my credit and i need to have a health policy.I have refuse to have policy then again he called and told that as of now you accept the policy later he will cancel the policy with out any premium or charge.
now in my credit card statement they are showing icici lombard premium and interest.They havent cancel my policy.day by day they are charging late fee and interest to me.when i spoken to icici lombard they are telling they have phone recording that i accept the policy(earlier i was told by ramesh that he will cancel with out any charge so i acept).when i asked them to cancel the policy they are charging heavy amount for cacelation charge.

When i spoke to icici credit card customer service 42080888 he told he cant do any thing.Sir i have not got my policy till now and i dont need it. Earlier also i told the same thing to them but no one is listening to me.

Sir please help me out.Other wise they are charging me interst for not paying amount.Sir how i can pay amount with out with out any purchase of policy

looking forward for youy help.

Regards,
Manish
[protected]