[Resolved]  Lic Of India — Various irregularities / anomalies in Insurance Policies-

From
Surendra Ram,
PNB, Circle Office, Alahadadpur,
Gorakhpur.

Date: 25.07.09

LIC of India,

Dear Sirs,

Reg: Various irregularities / anomalies in Insurance Policies-
Regularization / activation and transfer thereof

I am holder of following polices of your esteemed Company:

Sr. Policy No In the name of
1 [protected] Surendra Ram
2 [protected] --do--
3 [protected] --do--
4 [protected] Yamini Saurabh (wife)
5 [protected] Yamini Saurabh
(Premium is deposited from my own a/c in all the above)

I had taken the aforesaid policies from your Buxar branch (BO: 502) when I was working and posted in Bihar. I was transferred to Varanasi in 2002 and therefrom to Gorakhpur in 2006.

On facing problems in depositing premia and receiving SBs (where applicable), I had requested your Buxar branch firstly on 06.09.05 to transfer all these policies to your CBO-3 (28R), Mint House, Nadesar, Varanasi branch. And, since then I am continuously following (and to utter surprise on outstanding services being rendered by your good branches / offices, I’m still following and still facing lots of problems) to transfer these policies in order to continue the policies regularly. Hundreds of phone calls have been made by me to your no. of officers, to quote; Sh. Anil Kr. Sinha (Mob.no-[protected]), Sh. R.M. Prasad (Mob-[protected] (both stands transferred from your Buxar branch) and one Sh. Khan (still working there) and even CRM, Patna, but all in vain. Whenever I requested over phone I was replied that either MAN is (was) not working or data/documents have not been transferred / received. I again sent a Regd. letter dt. 31.07.07 to your CM, Buxar branch, under copy to Div. Manager, Patna vide Regn. No. 5180 and 5179 dated 01.08.07 respectively to rectify the irregularities, besides talking over phone to CRM, Patna but desired result could not be given. Even, some of my colleagues from Buxar also visited / contacted your Buxar branch for the work but….. Matter was also taken up with your BO: 28-R, Varanasi without any fruitful result.

 BO: Buxar informed me vide their letter dt. 02.03.06 that they are transferring policies no.[protected] and[protected], AND Policy no.[protected] vide their letter dt.18.12.06, to 28-R, Varanasi
 BO: 28 R, Varanasi vide their letters dt. 28.04.06 & 21.02.07 informed me that Policy nos.[protected] and[protected] respectively have been transferred to them from BO: Buxar.



Contd…
But still a no. of irregularities are there. Some of the anomalies being given hereunder:

1. Policy No:[protected]: I had deposited the regular premium for H/Y Sep. 05 through cheque. When, on 21.03.06 I deposited the premium for Mar.06 at Varanasi, it was again appropriated against the premium for Sep. 05 showing premium due for Mar.06 and since then this policy was technically irregular from LIC side as I could not deposit the premiums on regular basis only due to LIC. Anyhow, this policy could be regularized only in Mar.09 by paying Rs. 982/ by me as fine without any fault from my side.
2. Policy No:[protected]: The policy was regular till Jun 2007 when I deposited Rs. 2566/ premium on 12.06.07 at your 29F, Gorakhpur branch. But when, in June 08 I tried to deposit the annual premium at Gorakhpur and thereafter at Varanasi it could not be deposited due to some technical problem with data at 28R Varanasi branch and the June 07 premium was also showing unpaid. After taking up the matter with your Varanasi (28R) and Gorakhpur (29F) branches through letters / e-mails and telephonic requests, the matter could be resolved partially, as neither I have received the SB of Rs. 7500/ due in June 08 till date nor am able to deposit the premium for Jun.09, only your branches know the reason.
3. Policy No:[protected] and[protected]: Where these policies stand in your records I am not able to know till date, as a result I could not deposit the premiums since long.


In view of the foregoing, I request you as under:

 Transfer all the above policies to your 29 F, Ratan Palace, Gorakhpur branch (and not to Varanasi 28R branch) immediately so as to deposit the premiums.
 Refund or appropriate Rs. 982/ illegally charged fine as above because I am not at fault in anyway.
 Waive all the late fines in other policies i.e[protected] and[protected] because I am not at fault in anyway. I have always tried to deposit the premiums.
 Arrange to send the SB immediately in respect of policy no[protected] alongwith interest thereon from June 08, besides waiving late fine since June 08.

In case my complaints are not redressed immediately and satisfactorily I will be compelled to approach any suitable legal forum.

Further in case of any casualty on my wife, or me ONLY LIC will be responsible.

Thanking you,

Yours truly,


(Surendra Ram)
Punjab National Bank
Circle Office,
Alhadadpur,
Gorakhpur-273001.
(U.P)

E-mail: [protected]@pnb.co.in







From
Surendra Ram,
PNB, Circle Office, Alahadadpur,
Gorakhpur.

Date: 22.01.09


To,

The Branch Manager,
LIC of India,
28 R, Mint House,
Varanasi.

Dear Sir,

Reg: Non-deposit of amount in the policy, premium of which already deposited with LIC.

I am a policy holder bearing No[protected]. I had deposited the annual premium of Rs. 2566/ on 12.06.07 with your 29F, Alahadadpur, Gorakhpur branch, but the amount is still not being shown in my policy and it is showing as unpaid due to which I'm unable to deposit the annual premium since June 08 for the period June.08. No. of times my friends have visited your branch and myself at BO: 29F, Gorakhpur for depositing the premium but in vain.

I have also not received Survival Benefit, which was / is already due in June 08, till date.

It is also worth mentioning that I had several times written to LIC, BO: Buxar (502) to transfer the above policy to BO: 28R, Mint House, Nadesar, Varanasi for further servicing, now I have been informed that the policy has been transferred to your office by BO: Buxar (502), and BO: 29F, Gorakhpur has also rectified the anomaly i.e the premium deposited on 12.06.07 has been corrected.

I, therefore, request you to look into the matter, and do the needful at the earliest, merge / rectify the data at yours to enable me to deposit the premium.

Further, since I'm not at fault in depositing the premium, hence late fine since June 08 be waived, besides sending the S.B amount by 31.01.09 failing which I will be compelled to approach suitable forum.

Thanking you,

Yours

(Surendra Ram)
PNB:C.O: Gorakhpur