[Resolved]  Birla Sunlife Insurance — Real blood suckers

Dear Mr. Sundaram,

We refer to your communication dated April 04, 2009 with regards to the captioned policy.

We would like to inform you that the case facts were reviewed, and we stand by the earlier decision which was communicated to you dated March 26, 2009.

For any further information or assistance, please feel free to contact us between 9 a.m. to 9 p.m. IST [Monday to Saturday] on our toll-free number[protected]. You may also visit our website www.birlasunlife.com.

We value your trust in us and assure you the best of our service at all times.

Regards,

Customer Service.
FAX No.:[protected].


Meenakshi Sundaram <meenakshisundaram.[protected]@gmail.com>
04/04/2009 10:41 PM
To [protected]@birlasunlife.com, [protected]@birlasunlife.com, [protected]@birlasunlife.com
cc [protected]@irda.gov.in, nonlifecomplaints.[protected]@irda.gov.in, [protected]@irda.gov.in, [protected]@irda.gov.in
Subject Policy #[protected]



Hi at a Blood sucker organization,

How dare you state that we have corrected and because of our erroneousness this has happened? A customer has invested his hard earned money at your SO called company (who has to follow IRDA norms) is requesting for his money back.

If you are giving me a run around like this, I would have to file a criminal case against your company for illegal activities.

1) We regret to inform you that erroneously, the policy had lapsed in November 2008, however we had rectified the same and the policy was reinstated with effect from the lapse date.

Your erroneousness? I find my money unsafe with such an organization who had made me fight for the hard earned money for so long. Imagine this started at December 2008 and we are in April 2009, me still waiting for JUSTICE from IRDA.

2) The premium received on November 05, 2008 has been deposited in the policy, as of November 5, 2008.

I had to fight for this to get this reinstated on the said date. I have written correspondence from your company stating that “we cannot reinstate the policy on the said date as we received your payment late.

3) Since your policy was in the lapsed status the ECS, for the due date of December 05, 2008 was not presented to your bank account. As per your request we had sent the instruction to our Service Providers to have an amount of Rs. 836.63 debited from your bank account on December 18, 2008 and as per your request we deposited the premium with the effective date of December 5, 2008 in your policy. Please find below attached a Premium Paid Certificate for your reference. Alternatively you can check the same on our website www.birlasunlife.com with the aid of your CIP/T-PIN codes.

Please note, at this stage, you made my policy lapse AND not me. What if something had happened to me at this stage? Again your company would have told my nominees that my policy is in lapsed status because I did not pay the premium. Please note, You made it lapse and not me. Again I reiterate my money is UNSAFE with Brila, who does not follow IRDA guidelines.

4) We received a request for change in the method of payment from ECS to Direct Debit through Credit Card facility on December 26, 2008 and the same was activated in our records. A letter stating the Direct Debit through credit card facility has been activated was sent to your mailing address on December 26, 2008. The letter also states that your next due date is February 05, 2009 and requesting you to remit the due for the month of January 2009.

Fo your points 5, 6 and 7

You state that on the above mentioned date you received my authorization for an auto debit from my credit card. I have an acknowledgement from your Ghatkopar (W) branch stating that the premium for the month of January 2009 will be taken out my credit card. Again I reiterate that my money is unsafe with such fraudulent illegal behavior from your SO called company.

Again with all these you inform me that my direct debit authorization from the credit card has been cancelled. You also state in your email that you have my current premium payment mode as the same. This is illegal and ridiculous.

Please understand my hard earned money, then my telephone bills and money spent on getting this straightened out, then my blood, then my patience, then my efforts, then with the run around from a company of your standards, then what else can I describe guys, you have sucked my blood.

The money that I had paid may be peanuts for Aditya Birla Group, but, please make the highest authorities at your group understand that it is a poor guys hard earned money.

You have made me fight, beg, plead, cry for his hard earned money. You also need to understand that I am requesting for my money and not something that your company owes me.

I am a poor guy now egging and falling at the foot of your company for my money. I have to work for 20 days to earn this money. You have taken it out in a flash by cheating a customer of yours. I reiterate that I was never at fault and you are making me cry and beg for my money. I understand this if I have taken money and ran away from your company.

I do not have words to express, literally with tears………my hard earned money people, you will never live with such curses at your company. I am literally begging you guys, please understand that I have spent almost 500 rupees on top of this as my telephone bills talking to you to get this straightened out. Please understand the pain that I am in.

If this email does not mean anything to your company at any levels, I am sorry it is my blood that your company thinks that it has earned. Of course, by cheating me. If I am at fault at any stage, please forgive me.

Lastly I am literally falling at Aditya Birla’s group for my money. You cannot expect anything else from a poor customer. Please forgive me and return my money back.

With tears and hopes,
Meenakshi Sundaram

Dear Mr. Sundaram,

We refer to your communication dated March 27, 2009 with regards to the captioned policy.

We would like to inform you that the case facts were reviewed, and we reiterate the earlier decision which was communicated to you dated March 26, 2009.

1) We regret to inform you that erroneously, the policy had lapsed in November 2008, however we had rectified the same and the policy was reinstated with effect from the lapse date.

2) The premium received on November 05, 2008 has been deposited in the policy, as of November 5, 2008.

3) Since your policy was in the lapsed status the ECS, for the due date of December 05, 2008 was not presented to your bank account. As per your request we had sent the instruction to our Service Providers to have an amount of Rs. 836.63 debited from your bank account on December 18, 2008 and as per your request we deposited the premium with the effective date of December 5, 2008 in your policy. Please find below attached a Premium Paid Certificate for your reference. Alternatively you can check the same on our website www.birlasunlife.com with the aid of your CIP/T-PIN codes.



4) We received a request for change in the method of payment from ECS to Direct Debit through Credit Card facility on December 26, 2008 and the same was activated in our records. A letter stating the Direct Debit through credit card facility has been activated was sent to your mailing address on December 26, 2008. The letter also states that your next due date is February 05, 2009 and requesting you to remit the due for the month of January 2009.

5) On January 29, 2009, we received your instruction stating that the premium towards the due date of February 5, 2009 is not to be debited from your credit card account as your card has been blocked for security reasons, that the payment will be remitted vide cheque and you will revert with an alternate mode of payment. As per your instruction, the said transaction was not been presented to by bank account.

6) Please note that the stated policy has ceased to be inforce with effect from February 05, 2009 due to non-remittance of renewal premium. Incase you desire to reinstate the policy, we would request you to remit the outstanding amount of Rs 4, 166.65 i.e premium for the month of January 2009 - May 2009.

7) Presently, the policy is registered for Direct Debit through Credit Card facility with a monthly mode of premium payment. In case you wish to opt for any other mode of payment kindly intimate us. On the receipt of the request, we will do the needful.

In view of the above we shall be unable to accede to your request for compensation and refund of the entire premium paid.

For any further information or assistance, please feel free to contact us between 9 a.m. to 9 p.m. IST [Monday to Saturday] on our toll-free number[protected], or on[protected] [non toll-free]. You may also visit our website www.birlasunlife.com.

We value your trust in us and assure you the best of our service at all times.

Regards,

Customer Service.
FAX No.:[protected].