[Resolved]  ICICI Prudential Life Insurance — Cheated by the agent and authorized dsa

Address:

Ghaziabad, Uttar Pradesh

To,
ICICI PRU LIFE

In Dec 2013, I have received a call from Neha Sharma @ [protected] claiming that she
is calling from ICICI Pru Life and she is an ICICI PRU Life adviser. She told me about
ICICI whole life saving plan with a loan offer of Rs 15, 00, 000 ( 15 Lac). She told me
that If I will invest yearly 1, 25, 000 (approx) premium for 15 years ICICI will provide me
that loan with in 4 to 6 month ( before the second half yearly premium) after brought the
policy and there is no EMI for this loan ( need to return in one installment of Rs
1500000.) She told me that I have to return back the loan amount with in 1 to 15 years as
a single installment of Rs 15, 00, 000. If I will be unable to return back the loan amount,
ICICI bank will deduct 50% of the sum assured from my policy. The sum assured after
15 year will be approx 37 Lacs rupees ( Rs. 37, 00, 000) means If I will not return back
the loan amount ICICI Bank will deduct Rs 18, 50, 000 ( 50% of sum assured) for their
loan recovery and Rs 18, 50, 000 will return back to me at policy maturity which is 15
years).
If my loan is not approved with in the time limit (4 to 6 month) my policy will be
canceled and my premium amount will be return back to me. I explain him that my
financial condition is not so strong. I can manage only one half yearly premium by taking
some loan from my friends or relatives. Hardly I manage the amount of Rs 65000. So I
invest Rs 65, 000 as a half yearly premium in ICICI whole life saving plan on Dt 9 Dec
2013.
After applying the policy, I have received two verification phone calls one is from Mrs.
Sweta @ [protected], she said that she is calling from ICICI bank loan department,
Ballabhgarh Branch and she done the verification about the loan and explain me about
the only loan offer and policy details. The details were same as told by Neha Sharma and
also she told me that soon I will receive a call for policy verification. After few time on
same day I have received a call for policy verification from Mr. Raju Tiwari @
[protected] and he describe the policy benefits only. Both Sweta (ICICI Loan Dept.)
and Raju Tiwari (ICICI Pru life) had done the verification. I received my policy on 28
Dec 2013.
After that I received a call from Neha Sharma and Rahul ( claming Neha’s senior )
[protected] who ask for the scan copy of my policy document and I send it to
sameer.[protected]@gmail.com which is provide me over the phone by Neha Sharma.
Neha and Sweta regularly call me and inform be about the loan. In between these days I
have received some other call for same verifications, loan details and the time duration.
But after passing 4 months when I have not received any document for the loan, I contact
back to Neha and Sweta for the document. Every time they told me that they will mail me
the document soon. But I have not received any document except the phone calls.
In Apr 2014 I have received a call from Sweta and she said that my loan is approved and
I will receive my loan amount with in a months. But after passing the one months I have
not received anyhing. So I contact Neha and Sweta both and told that that I have not
received anything So I request them to cancel my policy. Both said the policy my will be
cancel with in next 7 days. After passed next seven days, I contact back to Neha Sharma.
This time, when I call to Neha Sharma @ [protected] / [protected] her number was not
ringing (IVR says that the number you have call is not recognized). Then I call back to
Sweta thousand times but she is not picking up my call. So I call from some other
number. One day some one ( Divya ) pick up the phone and told me that Sweta is not in
office when she came back she will call me back. I ask for Divya’s no.(her no is
[protected]) . But I have not received any phone call from any one Neither from Neha
Sharma nor from Sweta or Divya. No one is picking up the phone from that day ( Their
numbers are Sweta @ [protected], Neha Sharma @ [protected] / [protected] and
Divya [protected])
So, I called to Mr. Raju Tiwari( # [protected]) who did the verification call for Policy.
He suggest me to file a written complaint against them people who done this. So on 25th
Apr 2014 I wrote a complaint and give to Mr. Raju Tiwari in his office. He received the
complaint. I have regularly contact Mr Tiwari and explain him that my financial
condition is not well so please return the amount or convert it a one time investment. But
From last two months he is also not giving me any answer and Mr Tiwari’s phone also
not connecting.
Few days back I have again gave a request in the branch to return the amount as my
financial condition is not good. Its give me an economically and mentally harassment.
My nights are sleepless as the creditors are putting the pressure on me to return their
amount
I would like to request you to please cancel my policy and return back my amount or
convert it as a one time investment and take a strict action against those people who is
doing this kind fraud and selling the policy by giving a wrong commitment.
Thank you
Amit Kr Jaiswal
[protected]
Policy No 18281829