[Resolved]  ICICI Bank — FRAUD authorisation

Dear All,

See the way Aviva and ICICI Bank and playing with the customers money. One sells the policy by mis-informing the customer and other authrise the transaction. Aviva fraudlently despite giving more than a month notice produces the bill to ICICI and they also authrised it even when I told ICICI Bank to not authrising the transaction (twice).
Now they are playing with me by sending me to each other. They both are harrassing me for more than a year.

Pls send me the commnets and mention other such instances where Insurance and Financial institutions are doing such CRIMINAL activites

Thanks


[protected] Forwarded message[protected]
From: ANKUSH BINDRA <[protected]@gmail.com>
Date: Sun, 29 Nov 2009 13:02:23 +0530
Subject: Fwd: 'ICICICARE=[protected]' level1complaint/ Credit Card
To:

Your guys taken the requested documents and then disappear which I
don't expect from you. I gave the supporting documents for Mr. Tarun
Vijayee on 06Oct and he never updated me on the status and now got
transfered to Patna. I gave her all the supporting documents which I
gave earlier also under ref.[protected]. I asked him some questions
which are unanswered, I asked the same questions yesterday to
Sapna(from collection) and she dropped my call. Your guys made around
20 calls on 27 and 28 Nov!!! to me and harrased but when I asked
questions they put down the phone. Very professional bank, non sense.
Pls aswer the following 1 why 2250 authrised when ECS instruction for
25K on 23 Jul07 2 I requested to stop the same twice before Aviva
claimed this amount from you why I was not taken seriously
I gave 1 month prior notice to aviva that I want to cancell this
policy. As per their record dated 17 Apr 2008 17 April 2008 where they
mentioned,
-Customer informed that policy was miss-sold to him by stating he will
not have to pay anything after 3 policy years and policy would
continue. And he wants the FULL Refund after cancellation of the
policy- you want any other proof. They send me letter on investivation
on 17Apr and a send me the reply on 05 Jun 2008 when they got the
money, AUTHRISED FRAUDLENTLY BY THE BANK ON THEIR ECS which they
should not be producing at all. I instructed the bank to make a CHARGE
BACK and you kept me waiting for 1 year. And now your are HARRASSING
ME

[protected] Forwarded message[protected]
From: ICICI Bank Customer Care <customer.[protected]@icicibank.com>
Date: Sat, 07 Nov 2009 12:11:03 +0530
Subject: RE:'ICICICARE=[protected]' level1complaint/ Credit Card
To: ANKUSH BINDRA <[protected]@gmail.com>

Dear Mr.Bindra,

We inform you that your credit card is permanently deactivated due to
the non receipt of the payment according to the statement.

The total outstanding balance on your credit card is Rs. 41,903.30 as
on November 07,2009.

We would not be able to offer the settlement on the card account.

We request you to make the payment according to the statement to
avoid the further financial charges.

Sincerely,

Ramlal Mithra
Customer Service Officer
ICICI Bank Limited




"ICICI Bank now offers 6.75% of interest p.a. on fixed deposits for
390 days, 590 days, 7.25% of interest on fixed deposit for 790 days &
7.75% of interest p.a. on 990 days w.e.f . 01.08.2009 . Please contact
any ICICI Bank branch."

Register your ICICI Bank credit card for Verified by Visa / MasterCard
SecureCode today to make your online transactions safer. RBI
guidelines make this second level authentication, mandatory for all
Internet card transactions from August 1, 2009. For registration and
further details, please visit the Cards section of www.icicibank.com.


CONFIDENTIALITY INFORMATION AND DISCLAIMER:
This e-mail message may contain confidential, proprietary or legally
privileged information. It should not be accessed by anyone who is not
the original intended recipient. If you have erroneously received this
message, please delete it immediately and notify the sender. You will
appreciate that e-mail transmission cannot be guaranteed to be secure
or error-free as its contents are susceptible to loss, damage,
interception, destruction, etc. Before opening any attachments please
check them for viruses and defects. The notice appended to the e-mails
is not intended to prejudice the interests of our customers in any
manner or to evade responsibility for any act of done with the
endorsement of ICICI Bank.




-----Original Message-----
From: ANKUSH BINDRA ([protected]@gmail.com)
Date: Thursday, November 05, 2009 12:34 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: Re: level1complaint/ Credit Card

What is the status of the other complaint I filed at the same time
regarding my Amex Card No.[protected]?


ICICI AMEX 31 Oct 09:50PM Inbox
ANKUSH BINDRA <[protected]@gmail.com> Sat, Oct 31, 2009 at 9:49 PM
To: ankbindra <[protected]@gmail.com>
Cc: traveljini007 <[protected]@yahoo.com>
Reply | Reply to all | Forward | Print | Delete | Show original
My case of a dispute wherein bank authrised the transaction to the
merchant(Aviva Life Insurance)despite my request to stop the
transaction on 29/30 May 2008. Merchant produced the bill despite my
written request made to them more than a month before the due date.
After waiting for more than a year I stop ur payments and bank has
started freezing my accounts and SNATCHING the money from it.I never
denied to pay the balance payment at any stage till now but I need the
resolution wherein I WAITED FOR MORE THAN A YEAR despite providing all
the supporting documents to the officials. Later to recover this
amount bank has freezed my saving account[protected] and later on to
make the things worst freezed my trading a/c[protected]. To keep the
relationship I gave HARD Copies of all the docs again to Mr. TARUN
VIJAYEE and since that YOUR CONCERNED PERSON is not picking the phone
after 1-2 talks. How fair is this harrasment? And if that is fair can
I block payments for the other credit card I have? In directly you are
forcing me to do that and TRUST ME I can do that the same way I did
earlier. I give proper intimation to the bank and then take step
unlike yourself where LIKE THEIVES YOU FIRST FREEZE the accounts and
then inform the client. Pls make a clear difference in the cases which
are pending (at your end) due to a dispute and the case where customer
is making a FRAUD. I need the reversal of that un-authorised
transaction at the earliest so that balance can be paid..

https://infinity.icicibank.co.in/salesEARWeb/web/rbi/jsp/complaintForm.jsp






On 11/5/09, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:
> Dear Mr.Bindra,
>
> We have already forwarded to the department for the settlement on your
> account.They would be contacting to offer the settlement on or before
> November 07,2009.
>
> Sincerely,
>
> Ramlal Mithra
> Customer Service Officer
> ICICI Bank Limited
>
> "ICICI Bank now offers 6.75% of interest p.a. on fixed deposits for 390
> days, 590 days, 7.25% of interest on fixed deposit for 790 days & 7.75% of
> interest p.a. on 990 days w.e.f . 01.08.2009 . Please contact any ICICI Bank
> branch."
>
> Register your ICICI Bank credit card for Verified by Visa / MasterCard
> SecureCode today to make your online transactions safer. RBI guidelines make
> this second level authentication, mandatory for all Internet card
> transactions from August 1, 2009. For registration and further details,
> please visit the Cards section of www.icicibank.com.
>
>
> CONFIDENTIALITY INFORMATION AND DISCLAIMER:
> This e-mail message may contain confidential, proprietary or legally
> privileged information. It should not be accessed by anyone who is not the
> original intended recipient. If you have erroneously received this message,
> please delete it immediately and notify the sender. You will appreciate that
> e-mail transmission cannot be guaranteed to be secure or error-free as its
> contents are susceptible to loss, damage, interception, destruction, etc.
> Before opening any attachments please check them for viruses and defects.
> The notice appended to the e-mails is not intended to prejudice the
> interests of our customers in any manner or to evade responsibility for any
> act of done with the endorsement of ICICI Bank.
>
>
>
>
> -----Original Message-----
> From: [protected]@gmail.com ([protected]@gmail.com)
> Date: Tuesday, November 03, 2009 01:34 PM
> To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
> Subject: RE: level1complaint/ Credit Card
>
> Thanks. Pls ask them to call before 2 pm only. Thanks.
>
> Regards,
> Ankush Bindra
> Sorry for typo errors sent by mobile.
> -----Original Message-----
> From: ICICI Bank Customer Care
> Sent: 03/11/2009 13:04:10
> To: ANKUSH BINDRA
> Subject: RE:'ICICICARE=[protected]' level1complaint/ Credit Card
>
>
>
> Dear Mr. Bindra,
>
> We have forward a request for settlement of your credit card loan account
> 9401 xxxx xxxx 9000 to our settlement desk team.
>
> You will receive call from our settlement desk team within 4 working days to
> offer your settlement.
>
> Appreciate your patience in this regard.
>
>
> Sincerely,
>
> V. Bhupender
> Customer Service Officer
> ICICI Bank Limited
> CONFIDENTIALITY INFORMATION AND DISCLAIMER:
> This e-mail message may contain confidential, proprietary or legally
> privileged information. It should not be accessed by anyone who is not the
> original intended recipient. If you have erroneously received this message,
> please delete it immediately and notify the sender. You will appreciate that
> e-mail transmission cannot be guaranteed to be secure or error-free as its
> contents are susceptible to loss, damage, interception, destruction, etc.
> Before opening any attachments please check them for viruses and defects.
> The notice appended to the e-mails is not intended to prejudice the
> interests of our customers in any manner or to evade responsibility for any
> act of done with the endorsement of ICICI Bank
>
> -----Original Message-----
> From: [protected]@icicibank.com ([protected]@icicibank.com)
> Date: Saturday, October 31, 2009 09:27 PM
> To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
> Subject: level1complaint/ Credit Card
>
>
> Name: Ankush Bindra
> Product: Credit Card
> Account No: [protected]
> Application No:
> E-mail address: [protected]@gmail.com
> Mobile no: [protected]
> Telephone no: +[protected]
> Details of complaint: Pls advice the best amount I can pay to close this
> Cash-in-Select Account. I made many attenpts to it and just because I missed
> the last installment of the previous(first) settlement bank staff is telling
> me different stories. Bank staff told me that told me numerous stories which
> are not leading to any result. Previously I was told to contact you when I
> have the money in my hands for final settlement infact your staff quoted me
> Rs. 50K also earlier but now some says 75K to 200K which one is correct? Due
> to the lack of transperency in the settlement procedures middlemen are
> making fool of people. Tell me the amount I need to pay if I pay in 1
> instalment and the amount I need to pay if I close this in 4 transactions.
> The most clear theory of settlement told to me is that bank can't leave its
> principle so deduct the amount you have paid to the bank and pay the balance
> of the principle amount you have taken originally. How true is that by this
> calculation I am supposed to pay around Rs 90K. Whats your response I dont
> want to be in th bad books to CIBIL. Thanks.
>
Dear Mr. Bindra,

We confirm having received the attachments sent by you through your
personal e-mail ID
[protected]@gmail.com.

However, the there is no policy cancellation confirmation letter in
the attachment.

We request you to co-ordinate with the merchant, AVIVA insurance in this regard.

We will not be able to charge back the amount from the merchant.

Sincerely,

Syed Ashraf
Account Manager
ICICI Bank Limited


-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Friday, June 26, 2009 10:55 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Dear Syed,

I have sent the msg yesterday from [protected]@gmail.com with 2
attachments. Pls confirm.

rgds,
Ankush Bindra
I am deleting some of the below text as it dont allow this long msg to
go like this.
-----Reply Separator-------Dear Mr. Bindra,

Further to our telephonic conversation, we have checked all the 3
e-mail ID ankush.[protected]@yatraonline.com [protected]@gmail.com
[protected]@yahoo.com . However, we did not receive any e-mail from
the said e-mail ID.

Please note that the size of the attachment should not exceed 200 KB.
Kindly send the attachment in PDF or JPG format.

Sincerely,

Syed Ashraf
Account Manager
ICICI Bank Limited


-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Tuesday, June 23, 2009 11:59 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Dear Syed,

After that letter was given they have sent me a letter to confirm the
same which is also sent by me.
I gave you the details of their records also.
So, in short copy of both the documents (my letter and their letter)
is given to you.
As transaction went thru they have taken the money. Despite CORE
asking them to refund. But they ignored it as money is in their
possession. Merchant is not in a mood to reverse this transaction and
I have no other option but to force you to recover this money at any
cost!!!!
Anyways, thanks for your understanding and concern.

Regards,
Ankush Bindra
[protected]
-----Reply Separator-------Dear Mr. Bindra,

We understand your concern.

We called on your mobile [protected]. However, did not answer the call.

We request you to us a send a scanned copy of the policy cancellation
letter to customer.[protected]@icicibank.com from your personal e-mail ID.

Please confirm the e-mail ID through which the attachment is sent.

Please note that the size of the attachment should not exceed 200 KB.
Kindly send the attachment in PDF or JPG format.

We inform you that if the credited is given by the merchant, it will
get adjust in towards your outstanding balance.

Sincerely,

Syed Ashraf
Account Manager
ICICI Bank Limited
-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Sunday, June 21, 2009 01:58 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Hi All,

Fortunately, I got the copy of the letter given to Aviva from their
records, pls tell me the email id where I need to send it as
attachment. Anyways, for your kind information, I have used 25,000
from the credit card and not going to pay for the same. You need to
adjust it once you got sucess in the chargeback.

Regards,

Ankush Bindra
[protected]


Dear Mr. Bindra,

According to our records the documents have not been received.

We request you to re send the same to customer.[protected]@icicibank.com

Sincerely,

Joshi Raghavender
Account Manager
ICICI Bank Limited

-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Monday, June 01, 2009 09:11 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Dear Mr. XYZ,

Don?t delay the resolution too much so that I will make my own
judgment. You are forcing me to use the other methods of recovering
the money from you guys. I got the confirmation from the bank on 20th
May that docs have been received by the bank.

Ankush Bindra
[protected]

-----Reply Separator-------Dear Sir,

We have not received the cancellation proof of your avaiva transaction.

Kindly send it to customer.[protected]@icicibank.com.

Sincerely,

B Vijay Kishore
Account Manager
ICICI Bank Limited
-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Wednesday, May 27, 2009 09:43 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Hi Solomon,

Pls speak with Dinesh, he confirmed me that the proof of the
communication I got from Avaiva is recieved by the bank.

Pls dont communicate what you are not aware of.
Regards,
Ankush Bindra
[protected]
-----Reply Separator-------Dear Mr. Bindra,

We regret the inconvenience caused.

We are sorry to inform you that we have not received any e-mail with
attachment of cancellation proof from your e-mail ID :
[protected]@gmail.com towards customer.[protected]@icicibank.com as on May 27,
2009.

We will be unable to initiate a request without cancellation proof
regarding the transaction of Rs.26,250.00 towards Aviva.

We request you to re-send the attachment in pdf or jpg format below
200kb to initiate a request.

Hope you understand our limitation in this regard.

Looking forward to your co-operation in helping us serve you better.

Sincerely,

Jack Solomon
Account Manager
ICICI Bank Limited

-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Tuesday, May 26, 2009 11:37 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Dear Mr. Solomon,

I was told the the charge back will get applied by 23 May, I sent the
docs copy also on time. Pls close this and refund the same to my
credit card account ASAP.

Regards,

Ankush Bindra
[protected]


-----Reply Separator-------Dear Mr. Bindra,

We regret the inconvenience caused.

We inform you that we have not received any e-mail from your e-mail ID
: [protected]@gmail.com towards customer.[protected]@icicibank.com as on May
25, 2009.

Looking forward to your co-operation in helping us serve you better.

Sincerely,

Jack Solomon
Account Manager
ICICI Bank Limited



-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Monday, May 25, 2009 11:05 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Done. This time I have sent it from [protected]@gmail.com . Also I got
the confrimation call from Mr. Dinesh that this has been recieved by
your bank.




[protected] Forwarded message[protected]
From: Ankush Bindra <ankush.[protected]@yatra.com>
Date: Mon, 18 May 2009 14:16:01 +0530
Subject: RE: Subject : RE:'ICICICARE=[protected]' Credit Card
To: Ankush Bindra <ankush.[protected]@yatra.com>, customer.[protected]@icicibank.com
Cc: [protected]@gmail.com, [protected]@yahoo.com

Hi,


Sorry I forgot to attach the scanned copy.


Regards,

Ankush Bindra

Yatra.com

Extn. 2087

_____

From: Ankush Bindra [mailto:ankush.[protected]@yatra.com]
Sent: Saturday, May 16, 2009 5:48 PM
To: 'customer.[protected]@icicibank.com'
Cc: '[protected]@gmail.com'; '[protected]@yahoo.com'
Subject: Subject : RE:'ICICICARE=[protected]' Credit Card


Dear Mr. Raghvender,
Dear Mr. Bindra,

According to our records the e mail has not been received.

We request you to resend the e mail.

Sincerely,

Joshi Raghavender
Account Manager
ICICI Bank Limited
-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Sunday, May 24, 2009 08:22 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Hi,

I sent it from ankush.[protected]@yatraonline.com .

Regards,

Ankush Bindra
[protected]


-----Reply Separator-------Dear Mr. Bindra,

We request you to confirm the e mail id against which the scan copy was sent.

Sincerely,

Joshi Raghavender
Account Manager
ICICI Bank Limited



-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Saturday, May 16, 2009 06:16 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Dear Mr. Joshi,

I have snet the mail alongwith the scanned copy of the letter they
have sent to me to the given ID.

Pls resolve.

Regards,
Ankush Bindra
-----Reply Separator-------
Dear Mr. Bhattacharjee,

We request you to send scan copy of the proof that the insurance has
been cancelled in April 2008 to customer.[protected]@icicibank.com .

Sincerely,

Joshi Raghavender
Account Manager
ICICI Bank Limited



-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Wednesday, May 13, 2009 02:49 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Dear Mr. Joshi,

Pls note I would like to take it legally. This vendor was blocked on
my request for any future ECS on 31 may 2008 itself. I was not guided
by anyone at that time from the bank's side and need to do a follwo up
with Aviva and then it went to CORE.
And now you are saying its too late. Are you guys joking with client?
I need this Rs. 25000 back at any cost.

Regards,
Ankush Bindra
[protected]

-----Reply Separator-------Dear Mr.Bindra,

According to our records there is no dispute request initiated.

Please also note that after the lapse of these 90 days, we would be
unable to initiate investigations for the disputed transactions,
according to VISA regulations.
Sincerely,

Joshi Raghavender
Account Manager
ICICI Bank Limited

-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Thursday, May 07, 2009 11:25 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Pls find the detials of the mail. At the very same time I communicated
the same to you over the phone once I got the SMS as well as written
communicattion was there. Pls check your records and send me all the
email communications sent from 20 May 2008 - Sep 2008 at the earliet.
That transaction was disputed by me.
===========================
complaints-Samaji Yadav <[protected]@core.nic.in> Mon, Jul 21, 2008 at
11:40 AM
To: ANKUSH BINDRA <[protected]@gmail.com>
Cc: [protected]@avivaindia.com
Reply | Reply to all | Forward | Print | Delete | Show original
Dear Mr. Bindra,

Since opp party has rejected your case, it is advisable that you move
to the Dist Consumer Forum for seeking redresal through Court. Now we
are closing this case from our end.

Samaji Yadav
Manager (Complaints)
Depts of Complaint Redresal Cell,
CORE Centre, Noida
Tel.:[protected].


----- Original Message ----- From: <[protected]@avivaindia.com>
To: "ANKUSH BINDRA" <[protected]@gmail.com>
Cc: "complaints-Samaji Yadav" <[protected]@core.nic.in>
Sent: Friday, July 18, 2008 7:12 PM
Subject: Re: Final reminder

Dear Mr. Bindra,
This is further to your email regarding your policy bearing number
WLG2086902("Policy") with us.
We would like to inform you that the decision communicated to you vide
our e-mail dated July 14,2008 was after detailed analysis and complete
evaluation of your case and therefore at the current situation our
process and contract does not allow us to make any refund in the
present policy.

Should you have any further queries, please feel free to revert on our
e-mail id or you may contact our customer services toll-free number at
[protected] or contact us at[protected].
Thanking You,
Yours Sincerely,
Complaints Redressal Team
Aviva Life Insurance Company India Ltd.

"ANKUSH BINDRA"
<[protected]@gmail.c To
om> [protected]@avivaindia.com
cc 07/16/2008 08:13 "complaints-Samaji Yadav" <[protected]@core.nic.in>
AM Subject Re: Final reminder

Hi,
I dont know why again you are going away from the topic. I have just 2
simple things to which I need a satisfactory answer.
1. I just want my second year to be refunded as I have no intentions
to go ahead with the same. Previuosly why I didn't looked during the
cooling of period that is something which we are not discussing at
present.
2. Tell me if you take back the policy of all the people coming with
complaints!!!!!My documents were taken by telling me you are
surendering this policy as this is a dispute case. So where is the
confusion?

I want complete Rs. 26.250 refunded in another 7 days time as we have
already wasted so much of time.

Mr. Yadav: Need your legal advice alongwith support to publish the same in
the media, so that people will not fall in these kinds of traps later on.


Regards,

Ankush Bindra
[protected]

On Mon, Jul 14, 2008 at 3:28 PM, <[protected]@avivaindia.com> wrote:

Dear Mr. Bindra,

This is further to your email regarding your policy bearing number
WLG1559954 ("Policy") with us.

We would like to inform you that we have already replied to you vide our
e-mail dated July 10,2008.

Further, we would like to reiterate that we have taken due cognizance of
your feedback but would like to inform you that no application is
processed until and unless we receive a filled up proposal form from our
customer which clearly mentions the terms of the policy and has the
customer's signature on it which further validates customer's acceptance
to the information mentioned in the proposal form.

Please note that the proposal form bearing number NUP10812356 was duly
signed by you and only after a detailed analysis and review of your
proposal it was converted into an insurance Policy for a sum assured of
Rs. 20,00,000/-

Furthermore, we would like to inform you that each proposal form is
analyzed and underwritten and once the policy is commenced we send a
detailed policy documents which contains the copy of the proposal form
which you had signed and also contains the Terms and Conditions
governing the policy.

Thus, we would like to take this opportunity to inform you that
insurance is a subject matter of solicitation and is initiated
through a verbal conversation.

As a Company, we take due precautions to ensure that our customers are
objectively informed about each and every aspect of the policy and are
given the opportunity to reconsider the decision.

Further, even after availing the policy, the customer is provided with
a "right to reconsider" option ('Free look Period'), wherein the
customer if dissatisfied with the policy terms and conditions or the
benefits available under it, is entitled, to bring it to the notice of
the
Company and request for cancellation of the Policy within 15 days of receipt of
the Policy. In case of cancellation of the Policy under Freelook
cancellation option, the entire premium paid by the Policyholder (less
applicable charges) is refunded back to the policyholder.

However, we did not receive your request for cancellation of the Policy
within the Freelook period.

Also, we would like to draw your attention to your letter which we
received on April 11,2008, wherein there was no mention of making a
stop payment on the renewal premium payment.

Further, we would like to draw you attention to the fact that the
original policy documents were dispatched to you on June 6,2008 and
was delivered to Sunil on June 9,2008.

In the light of the above stated facts,we would like to inform you
that at the current situation our process and contract does not allow
us to process any refund.

Further,we would like to inform you that due to a technical error an
indexed amount of Rs. 26,250/- was collected for the period May
15,2008 to May 15,2009.

We apologize for the inconvenience faced by you due to this transaction.

Also, we would like to inform you that we are making arrangement to
refund the excess premium amount of Rs. 1250/- back to you. May we
request you to please forward the original policy documents and First
premium receipt to any of our nearest Aviva branch.
Also, we would like to bring to your notice that your policy number
would change and reassure you that the policy benefits, terms and
conditions remain unaffected and all the premiums paid by you in the
old policy
number would be transferred to your new policy account.

We once again reassure you that this exception has been taken in
appreciation of your feedback and we assure that AVIVA at all the time
will keep you updated of the transactions with us and request you to
please keep us informed of your feedback on the transactions and
communications send to you from time to time.
Should you have any further queries, please feel free to revert on our
e-mail id or you may contact our customer services toll-free number at
[protected] or contact us at[protected].

Thanking You,

Yours Sincerely,

Complaints Redressal Team
Aviva Life Insurance Company India Ltd.
"ANKUSH
BINDRA"
<[protected]@gmail.c
To
om> "[protected]@avivaindia.com" <
[protected]@avivaindia.com>
cc
07/12/2008 01:06 "complaints-Samaji Yadav" <
[protected]@core.nic.in>
AM
Subject
Re: Final reminder

Dear Ms. Divya,


Thanks for the call made by yourself on 09 Jul 2008, but again I would
like to put that in words that the case is still pending at your
ending after 48 Hrs are gone !!!
I would like to tell you that for every complaint you guys don't keep
the original policy documents of the insured and since you have taken
them from me this is very much self expalanatory that it has been
surendered by me.
So I need my complete premium paid for Rs. 26,250.
I need my money to be refunded without any further delay alongwith a
suitable compensation for the delaycaused at your end for Rs. 25,0000
(total Rs. 51,250) for the mental harassment, un-authorised usage of
my credit card and mis-guidance.

Yours Sincerely,

Ankush Bindra
[protected]



On 7/9/08, [protected]@avivaindia.com <[protected]@avivaindia.com> wrote:
Dear Mr. Bindra,

This is further to your email and subsequent conversation with our
Complaints Redressal Executive regarding the policy bearing number
WLG1559954 with us.

Please accept our sincere apologies for the delay and inconvenience
caused to you.

We would like to assure you that your concerns are being investigated
on utmost priority and we shall revert back to you with the final
status in next 48 hours.

May we request you to please bear with us till such time.

Should you have any further queries, please feel free to revert on our
e-mail id or you may contact our customer services toll-free number at
[protected] or contact us at[protected].

Thanking You,

Yours Sincerely,

Complaints Redressal Team
Aviva Life Insurance Company India Ltd.

"ANKUSH BINDRA"
<[protected]@gmail.c
To om> "[protected]@avivaindia.com" <
[protected]@avivaindia.com>
cc 07/09/2008 08:28 "complaints-Samaji Yadav" <
[protected]@core.nic.in>
AM
Subject Re: Final reminder

Dear Sir/ madam,


Request you to resolve this ASAP and refund the money charged on my
crd despite my refusal to go ahead with the same.
Its over a week now since final reminder was sent to you by Mr. Yadav
from CORE India. This case is pending for last 2-3 months and I am
very disappointed by this.

Regards,

Ankush Bindra
[protected]




On 7/2/08, [protected]@avivaindia.com <[protected]@avivaindia.com> wrote:

Dear Mr. Bindra,

This is further to your email regarding the policy bearing number
WLG1559954 with us.

Please accept our sincere apologies for the delay and inconvenience
caused to you.

Further, please be assured that your complaint is being followed up on
utmost priority with our senior authorities and we would update you on
the same shortly. May we request you to kindly bear with us till
further
updates.

Should you have any further queries, please feel free to revert on our
e-mail id or you may contact our customer services toll-ree number at
[protected] or contact us at[protected].

Thanking You,

Yours Sincerely,

Complaints Redressal Team
Aviva Life Insurance Company India Ltd.



"complaints-Samaji
Yadav"
To
<[protected]@core.nic.in <
[protected]@avivaindia.com>
>
cc
06/30/2008 <[protected]@gmail.com>
01:16 PM
Subject
Final reminder
|pic32170.gif) |
|| | (Embedded image moved to file: pic20315.gif)
|
| |Supported by: Ministry of Consumer Affairs, Food &
Public|
| | Distribution,
|
| | Department of Consumer Affairs, Govt. of India
" JAGO GRAHAK JAGO"
REMINDER
Dear Sir,

Kindly refer to our earlier mail.It is most unfortunate that an
organization of your repute has not responded till date to the
complaint.

We would request you to respond to this matter at the earliest and in
case you have not received the earlier mail, kindly find the attached
letter for your immediate action. We are confident, you will
agree that resolving complaints is of great value for you and needs
prompt attention to have a satisfied customer. In case no
satisfactory response is received from your side, we will have no
option but to advise the complainant to seek remedy through
consumer court and to make public your unfriendly attitude to
customers through our website which has over 1.3 crore hits from 50
countries across the globe by now.

Samaji Yadav
Manager (Complaints)
CORE Centre (Jago Grahak Jago Cell)
Noida (UP) -201 307
Tel:.[protected]


----- Original Message -----
From: ANKUSH BINDRA
To: complaints-Samaji Yadav
Sent: Sunday, June 29, 2008 1:35 PM
Subject: Re: complaint

Dear Mr. Yadav,

Please help me with this as your more active intervention is required to
get it sorted ASAP.
Thanks.
Best regards,

Ankush Bindra
[protected]
On 6/24/08, complaints-Samaji Yadav <[protected]@core.nic.in> wrote:
Dear Sir,
We are forwarding herewith a complaint, which is self-explanatory.
We are the official agency of the Ministry of Consumer Affairs, Food &
Public Distribution, Department of Consumer Affairs, Govt. of India, to
facilitate such complaints promptly, to the entire satisfaction of
both the parties. (For detail kindly visit our website
www.core.nic.in).
It is requested that the matter may kindly be examined and the
grievance be redressed promptly. Action taken in the matter may kindly
be communicated to the petitioner under intimation to the undersigned.
Samaji Yadav
Manager (Complaints)
CORE Centre (Jago Grahak Jago Cell)
Noida (UP) -201 307
Tel:.[protected]


----- Original Message ----- From: <[protected]@gmail.com>
To: <[protected]@core.nic.in>
Sent: Saturday, June 21, 2008 8:06 PM
Subject: New Complaint Received from 27 March 2008 - CORE Centre


Dear Complaint Team, CORE Centre

There is a complaint updated.
Title : Unauthorised transaction
Complaint ID : 3123
Name : Ankush Bindra
Email : [protected]@gmail.com
Adddress : 190 GF Ashoka Enclave-I
City : Faridabad