[Resolved]  ICICI Lombard - Mumbai — False assurance of complimentary benefit

dear sir,

i purchased a diamond ring from TBZ borivali outlet on 20th april 2007 of Rs.25000. after 2-3 months i found one diamond was missing from the ring. i contacted your borivali outlet, but they were not very cooperative and behave in a very strange manner. they are not ready to accept manufacturing fault (we are not a first time diamond jewellery user) my wife and myself very shoked to receive such kind of response from such a big brand. This is the right way to give customer service to your customer?

after a long discussion we agreed to pay cost of diamond and repair charges. on delivery day i was surprised to see that they were neither ready to give receipt of repair and diamond's cost nor ready to accept payment by credit/debit card. they were insisting on doing payment by cash only without receipt. this is the way your people handling day to day trancsaction? are your people try to save false image of TBZ from public by not to maintain any records of repairs?

after 15-20 days i found one more diamond was missing then. since then we kept diamond ring in a safe. will you be dare to accept manufacturing fault at your end?

i am very unhappy and unsatisfied customer of TBZ. i am advicing my friends and family members not to buy any product from any outlet of TBZ.

i hope you understand the issue and will do some arrangements for solving the issue. else we have to go to consumer forum for help. it will be better for you to solve this matter at your end for your brand image.


reply me either on mail or call me on my no.[protected]

thanks

prashant m agrawal

Mobile:[protected]

Dear Sir/Madam,

Sub : ICICI Lombard Fraud Company
Hi, I got a health policy through online from ICICI Lombard. Policy name is Family Protect Premium. Policy no is: Policy no: 4034/FPP/02995222/00/000.
This policy is Rs. 3 Lakh for 2 years. Its amount is Rs. 6732. But in ICICI Lombard website for this policy is Rs. 5500. The amount difference is Rs. 1200 approx. I got cheated from ICICI Lombard RS. 1200. Regarding this issue i have forwarded various complain but I couldn't get response.
Also you can see health policy price chart in Lombard website http://www.icicilombard.com/app/ilom-en/Personalproducts/Health.aspx . No one can help about this policy. Also this policy doenot mention in Lombard website. I can give you various details of costumer, who cheated with ICICI Lombard

Another one serious query that when i got regarding purchase of health policy. She gave me all wrong information like: 1) your policy will be Rs. 6 lakhs for 2years 2) when you will be in hospital you will get extra Rs. 1000 per day. 3) You will tax benefit Rs. 3 lakh. Etc...
Please give me suggestion regarding above complain. I will take hardly action to ICICI Lombard Company. I have all clues to lost market value of ICICI Lombard.

Thanks & Regards,

Mukesh Kumar
Mob: [protected]

Suraj Parkash Tuteja
38 Azad Nagar, Jagadhri Road.
AMBALA CANTT 133006

MARCH 19, 2008

Mr Manpreet Singh Mob [protected]
Authorised Signatory
ICICI Bank Ltd,
IInd Floor, FCO 151-152 Sector 9C,
Opp Yes Bank, Chandigarh

Reg Dues against Credit Card No.[protected]

Dear Sir:

Please refer to your proposal No IBBC/COR/2476/51 dated 18.3.2007 offering to settle dues at Rs 58, 000/- as against the amount earlier claimed at Rs 78.973.56 as on 28.1.2008. In fact nothing is due from me, rather some amounts are due from you. But even for this so termed generous proposal the language and wording of the letter is not only insulting to any customer but also reflects the lack of even an iota of common sense, because without looking to the large scale criminalities indulged into by ICICI Lombard itself, you are time and again expressing your large generosity of spirit in allowing the so termed huge rebate of Rs 20, 000/- and putting up misplaced conditions. Because being a % share holders in the amounts recovered, your first and last intentions - whatever your Principal’s faults - is only to extract heavy amounts by terrifying & threatening customers, and so you can earn more commissions.

Besides, this letter IBBC/COR/2476/51 dated 18.3.2007 which was kept being forcefully withheld by your Mr. Rana and given a copy only after prolonged heated discussions at various levels right up to Chandigarh, is a mockery because the letter is not on the Bank's letter head, or carries a rubber stamp, does not indicate the branch or postal address, or telephone numbers or even designation of or copy of Authority Letter of Manpreet Singh. It is a scrap of paper. A fresh copy of the same duly rectified be sent. Yet again, the bank is vigorously with holding from me copy of my Savings Account No ?? statement since December 2006 and creating hurdles for me to arrive at the final amounts withdrawn against the credit card from this account.

This rebate of Rs 20, 000/- does not reflect in full the wrong and excessive charges unlawfully debited to my Credit Card. In the first place I only provided details of my two sons to to ICICI Lombard to obtain detailed proposal, but ICICI Lombard straight away issued two policies, which were refused and surrendered, and only against repeated requests both policies were cancelled within less than 3 months on 28.3.2007 and even after repeated requests for refunds of the excess amounts charged ICICI Lombard never responded.

The reason for immediate refusal for the Insurance policies was the flood of lot many and excessive charges being debited and unlawfully extracted from my credit card like huge Rs 1533.80 EMI Principal debited on 21.12.2006 as also EMI Interest of Rs 302.62 for what ? The amount payable monthly was only 301.87 i.e. Rs. 7245/ 24 months = Rs 301.87 Why debit charges interest unlike in all LIC and other insurance companies, interests are never chargeable on monthly, or other periodic instilments.

If ICICI Lombard do not cancel policies around 3 months it was certainly not fault of mine, but of ICICI Lombard only. Then why damage me with all of the charges, service charges, interests on interests and what not ? Not resting with these frauds, even against both policies cancelled on 28.12.2006 ICICI Lombard illegally kept on further EMI Principal and EMI Interests charges but also started debiting for 6 policies with consequent Service Charges etc in January, February, March, 2007. Both policies were at last cancelled on 28.3.2007 but without giving rebate for the amounts debited and collected from day one or any amount whatsoever.

Again even after canceling both policies ICICI Lombard kept on unabated bombarding charges and collecting from my Credit Card amounts for the months of April, May and June 2007. But the height of criminality reached when long after the policy was cancelled on 28.3.2007, in June alone the ICICI Lombard bombarded my credit car with 13 EMI.s and 11 EML Interest charges amounting to Rs 50304. 31 EMI Principal, and Rs 1334.60 EMI Interest and together with service charge etc the amount criminally debited to my account in June alone ran to 64415.50 closing balance minus 10579.97 = Rs 64415.50 as reflected in the statement itself. And your Mr Rana and Ravi Gupta continue to insist for payment of Rs 58, 000 /- with threatening postures.

I insist on you to prove concusively that I ordered for any of the 3 EMI.s and 11 EML you have criminally dumped on me and know adamentally insist on me to pay up.

Looking to all these wrong. excessive and criminal charges, and looking to the adamant attitude & insistance for payment of Rs 58, 000/- it is disgusting to discuss matters with your Mr Rana or Mr Ravi Gupta or others who brazenly and blatantly insist that the amount as shown in the statement is payable under all circumstances they threaten they have lot many ways to extract the amounts. as is also visible from two dull-witted legal notices from Amardeep Singh Sukhija 23.7.2007 and Sandeep Suri 8.2.2008 were ignored. Both notices presupposes that only the ICICI Lombard as the most pious instead of the and acted like Mafia's dens or goons themselves fully knowing the repeated and heavy penalties and fines imposed and reprimands and warnings from Supreme and High courts in India. Both of these threats termed as legal notices were ignored. You are fully aware of the dirtiest reputation ICICI Bank is held in public, and you can refresh your memory if you click on internet for Google or Yahoo or any other search engine and check results ICICI + criminals or cheats or crook's or frauds or thieves or decoits or robbers or whatever else derogatory adjectives and see the results what lacs and crores of banking customers think and shout about you, And state till when the shameless conduct will continue by you people ?

In fact the four amounts actually withdrawn by me i.e., Rs 92/54 on 30.09.2006, + Rs 5, 000/- on 18.10.2006 were adjusted on 17.11.2006 with Rs 5, 489.96, 10, 000/- on 02.11.2006 ) 512.5 on 18.11.2006 were adjusted on 19.12.2006 with Rs 11, 701.02 with along with unlawful charges like processing fee, 199.99, manual cash Rs 300/- +300/- as against Rs 75/-, excess charged Rs 649.99 is to be refunded to me. Rest of all of Rs 78.973.56 as on 28.1.2008 is wrongly charged and needs to be set off .because I never accepted any of two insurance policies. Even a casual look at the statement will show that after 18.11.2006, with nil balance due from me, there is not even a single withdrawal but only illegal charges dumped on me.

Hope better sense shall prevail and it is requested that fresh statement of account with statement of savings account be furnished be furnished detailing the final amount lawfully due - not as per your senseless arguments - to either o[censored]s for final adjudication. Study the above facts carefully, and take this as legal notice and respond within 15 days failing which I shall get the matter adjudicated through RBI, Banking Ombudsman, Insurance Ombudsman, Consumer Forum or law courts at my option, as also go to the national Press and TV Media,
as also take up matters with the High Court and Bar Council against the two advocates why their Bar Licenses be not cancelled for sending out illegal threats and calling names in the name of so termed Legal Notices without studying the vase, all the while knowing full well the criminalities the ICICI bank is known for all over. One Advocate had the audacity to send copy of his notice illegally to Senior Superintendent of Police knowing full well the legal options available to him, Copy is being sent to SSP Ambala to check these white collar goons.

Suraj Parkash Tuteja

It is your responsibility copies ot this legal notice be also provided to following :
cc. Mr Rana (Mob [protected]
Mr Ravi Gupta Mon [protected]
Amit (Mob
e-mailed to chairman ICICI Bank,
Reserve bank of Inkia

E-mail address: [protected]@GMAIL.COM
Telephoneno:+[protected]
Correspondence address: 38 Azad Nagar, Jagadhri Road, Ambala Cantt 133006
City: Ambala
Country: India
Pin Code: 133006

icici lombard health insurance policy — cheating by way of false assurances

i was called on my mobile [protected] in june/july 2007 by icici bank credit card unit saying that i have been selected to get life time free health policy for me and my family but for that i will have to pay 1st year premium and after that icici bank credit card will make the premium payments .

now i am being told by icici lombard that my policies are expiring in last week of august 2008 and i will have to pay premium for its renewal .i was shocked to hear from icici lombard person who told that there was no such scheme from icici bank credit card which may provide free health insurance .& was further told that i have been cheated by one of icici lombard employee who book online policies . now i am unable to understand how the officials of such big organisations can cheat . ...sethikc

The claim was finally lodged with the Banking Ombudsman, c/o RBI New Delhi where the bank waived off total outstanding of the 100 % amount claimed agaist credit card. The ICICI Bank did attempt to side track the issue, claiing that ICICI LOmbard is different entity, but the objection was not suatained, because the ICICILombard is owned 70 % by the ICICI Bank itself. Now I have filed a compensation claim of 10 times the amount of Rs 84, 000 which the ICICI Bank attempted to extract from me, through goonda tactics, including twice sending legal notices, claiming me as " chronic defaultor" and also sending copy to the Police for recovery, inspite of the doors of the courts open for them towards recovery.

Hi
Sir/mam,
My name is Rajeev Ranjan choubey. I have worked as a Sales Officer ( Trainee) In ICICI Lombard GIC Ltd Patna Branch. I joined on June 2008 I worked till August 08. My salary cheque was being witheld By Sales Manager M4 Mr. Mayank Rastogi Patna. He returned my cheque to Team Lease After very request he din't give me. He was threatning and tourchering me and also he was transfering my business on other name. So I request to you please Take Action and sorrow to give my salary cheque. If justice is denied I will move in the competent court of Law.
Rajeev Choubey
Team lease Id 318328
Mob No. [protected]

I also got harrassed from ICICI bank recovery team. One fellow called as SI of Banglore saying his name as Mr.Rana - Phone no. +91-[protected] and advocate Mr.Krishnamurthy - +91-[protected].
They played a big drama as one saying police another saying advocate as saying there was a criminal case booked on me.
ICICI bank can do any thing with their recovery team as we dont know it is also a policy of the bank to their customers for small repayments also. They like to harras their customers to any extent.

we cannt beleive the bank officials as there is no gurantee who is who in this?
the ultimate goal is to harras the customer and recover the amount.

becare ful - DONT INVEST THE BANKS LIKE ICICI

Today i too got the call from the same no. and the same person...altogether a cheap same story.. n i dont even know the cause of it..but anyways strange is the way they have my old and current details but my extensive search showed me the way..these guys have opened up an a/c with Naukri.com and from there they get the details...easy but not so smart..They will say it's a STD if you call back the number..