[Resolved]  Aviva India Limited — More premium

Dear Sir,

I have a ‘Save Guard’ Unit Linked Life Insurance Policy with Aviva India. My policy number is RSG 2028873. This Policy is on with effect from March 2007. Since then, I am having constant problems with the services of Aviva India. Firstly, it was non receipt of Policy document. Then, abrupt closure of my ECS mandate from State Bank of India. I chose ABN Amro Bank as my next bank from where my monthly premium of Rs. 2000 would be auto-debited. The customer care executive at that time informed me that my auto debit will start from the ABN Amro Bank. It never started and ABN Amro Bank deducted Rs. 400 from my savings account on the charge of ‘NON RECEIPT OF ECS MANDATE’. When I called ABN Amro bank, I was told that ABN Amro has no linkages with Aviva and Aviva should not take any request of auto-debit from the bank first hand. I sulked but never complained. My bitterness towards Aviva started growing.

This time the matter is very very serious. In the first week of October 2008, I again requested to change my ECS debit to my Citi Bank Savings Account. The customer care executive sitting at the NOIDA branch told me about the process which I was very much familiar with. She told me to write a cheque of Rs. 4000 (Advance premium for the month of October and November 2008). I was told that the process of change in ECS mandate takes about 45 days and my first auto-debit from Citi bank will be on 30th of December. In second week of October 2008, Rs. 4000 was debited from my Citi Bank savings account on account of the cheque which I issued to Aviva India for premium of the months of OCTOBER and NOVEMBER 2008. I had around 7, 000 Rupees in my Citibank Savings account after that. Considering that, I wrote a cheque of Rs. 6, 000 in favour of ABN Amro Bank credit card to be payable on 1st November 2008. I dropped the cheque on 27th October 2008. But before that, on 30th October 2008, Rs. 2000 was auto debited from my Citi bank account by Aviva India on account my premium of Rs. 2000 (I DOONT KNOW FOR WHICH MONTH). As a result my balance in the Citi Bank savings account fell to around 5, 000. The cheque which was to be honoured on 1st November 2008 got bounced. I could not pay the credit card bill on time. The credit card company fined me around 1500 Rs. for non payment of the bill. The Citi bank also deducted around Rs. 200 on account of cheque return charges.

As a result of the gross negligence of Aviva India, I suffered a loss of around Rs. 2000 beside the mental trauma of the bounced cheque. This is the formal complaint to the concerned authority. Please revert my 4000 rs. back to me. Also, I want the monetary compensation of the loss I suffered to the credit card company, if not the mental trauma. A mere sorry from Aviva India will not do.


Further, I received two cheques of ABN Amro bank from Aviva India of Rs. 2000 each (cheque nos. 26217 and 26218) as return payment. On 11th December the cheques was rejected by the ABN AMRO bank with the reason cited as: NO ADVICE.

Thanking you,

Yours sincerely,






Dr. Ritesh Singh
RSG 2028873
B-215, Sector 26, NOIDA