[Resolved]  Icici Lombard — Mis-selling

Hello Sir,
This is Soumya Parial from Kolkata. I've a ICICI EMI Card(No. [protected]) in my name with Limit of Rs. 48000 and month min of Rs 2000. This is not affordable and hence I've hence not used it for the 1st 4/5 months.On January, 09 I've rec'd a call from ICICI Lombard from their Telemarketing Division and they'd briefed me about their product that lured me.They wanted a Credit Card of ICICI Bank and I've categorically mentioned that since this is a EMI card and there is a burden of paying Rs 2000 pm, it's not gonna be affordable to me.They insisted and briefed about the product and then assured me that total policy amount (Rs. 6732) will be deducted in 12 equal instalments which will cost me Rs 570 to Rs 600 pm, and also within my affordability.I got convinced and gave my consent on the same during their final confirmation call and they cleared the amount from bank.Within 14 days when I rec'd 1st statement, I was shocked to see that though my total o/s was same(Rs 6732), my min. amount due was Rs 2000 rather than Rs 570-Rs.600. This infuriated me and without wasting much of time, I shoot a mail to Lombard and Bank (ICICI) as well. They took the complaint and gave me ref no. however did not fix my problem. As I've never used this card, I did not pay a single penny to the bank. On 29th may, 09(yesterday), I've rec'd a notification from ICICI Bank regarding Lien marked on my bank account
(A/c No.[protected] towards unpaid o/s dues of Rs 11575.55 and today only when my salary has been credited to that account, I found that I was unable to withdraw any amount due to insufficient fund !
Now it is absolutely unbearable condition for me, as I can't fulfill my monthly commitment in different areas and my life has turned into a hell.
Under the circumstance, I would request you to take the necessary steps against Lombard due to this miss-selling so that people like me don't have to suffer this excruciating pain. I would appreciate if you take serious and sincere steps to fix this and give relief to me.
Address : 144/17, Barui Para Lane, P.O. Alambazar, Kol-700035, West Bengal.
Contact - [protected](M),[protected]R).
Please get back to me with justice ASAP as I can't live life without salary being only earning member of my family with loads of obligations.

Regards,
Soumya Parial