[Resolved]  ICICI- Prudential Life Insurance — Request of Surrender left Unconsidered

ICICI- Prudential Life Insurance — Threatening for extra money

Respected Sir / Madam,

I have attached the mail sent to ICICI and now they are harassing me to pay extra.

Respected Sir / Madam,

This is my last resource to complaint to ICICI.

It is being a very thwarting moment writing to you in the way I am treated as a customer of ICICI Prudential Life Insurance.

I have been subjugated and mentally disturbed by your services which made me take the initiative to find your ID’s and write to you to get immediate attention.

Let me explicate:

I hold a policy with your company

 Policy Number : 01297750
 Plan Name: Save’n’Protect
 Amount paid: Rs. 551 per month.

I have ECS for my payment, It so happened that my bank has made a day delay in paying and hence the ECS for that particular month has been delayed just for that one month, wherein I have been a very prompt customer in paying my bills. But ICICI has taken undue advantage of me in cancelling my policy without my notice and also not even intimating me that there is a month’s payment due.

I got this to my attention after a year when just checked my account balance and saw that the amount I have been transferring from my salary account to the account I am paying the ECS to ICICI is on hold. It was more disgusting when nobody even bothered to informed me. WONDERFUL SERVICE. At least you could have charged me extra for that particular month and continued with the other payments but I see a complete refusal of my policy.

After my notice I went several steps to contact and even complaint through many of your sources, the most tragedy part is the office were I took the policy does not exist anymore (and no intimation to the customers).

Following below are the responses I received:
• A agent calling up and stating that they will come down to my office to solve the quandary in person and fixed an appointment at 04:00pm in 2009 and unfortunately it is not yet 4’o clock.
• Another agent stating I have to pay additional amount of Rs.7,000 to get my policy active and when I denied stated he will check with the higher authorities by two days but it has been two months.
• I sent a message to 56767 as “Assist”, the agent called up and stated to check and call back by evening but unfortunately sun hasn’t set as yet.
• And the most funniest part is after all these communication especially through the message I sent to 56767 I receive a message on 19/03/2010 stating “WE were unable to contact you on 01297750 with regards to your policy 15-Mar-10. For any queries, SMS Assist to 56767”. This message is sent after I had a verbal discussion and decided for a final settlement. This message really pulled my nerve to take up this issue to the consumer court.

Now I am told to pay additional charges to reactivate my policy which I am no ready to do when it is not my mistake especially after all these spurious responses.
I am looking forward to restart this policy again from next month as a continuation still when I have paid or else I need my money back. In fact for all the mental harassments I have been offered I will claim for a higher compensation.

When things could have been solved from your end, you have protracted it and I feel it was a premeditated trick as if it was 3 years I can get a surrender value and hence you have done this at the period of 2 years 6 months. When there is 2 sales calls per day why isn’t there any proper customer service calls. Still the person takes the policy you are behind them to the core but once taken you don’t even bother to take proper care.

You can see the below mails for the final reply I got from ICICI, now I need a solution or you will have to bear additional cost in wasting my time and humiliating me

In fact it brought in more awareness after inspecting the below link about your service.
http://www.consumercourt.in/other-banking-services/2668-grievance-related-icici-bank-robbing-its-customer-their-hard-earned-money.html

I also hold 3 cards from you and also finalizing ICICI Lombard policy, if this is the state I am afraid to transact through them anymore.

I look forward for your support in solving this issue, I have taken this as my final chance to approach or else I will have to proceed further.

Thanks for your time and patience to read through. In anticipation of your reply.

It would be a great help if someone could find a solution for this

Thank you,

Mala Sai

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