[Resolved]  Lic Of India — Premium payments

Sir/Madam [protected]

Ref: LIC Insurance Policy no:[protected]

This is with regards to premium pymts.I have been paying my premiums on time regularly since the policy was taken in 12.03.2005 There is a problem which started when I went to pay my premium due for Rs 8469/-in June 2009 at City Branch 14,Bowenpally,Sec-bad. they have stated that the premium was already paid and adjusted the premium for Sep 2009, even though I had insisted that my June Premium was not paid by me.

While I could get this matter resolved meanwhile I received a letter from the LIC office City Branch 2 Basheerbagh Hyderabad stating that a cheque issued dtd 5/6/09 of the Andhra Pradesh State Co-op Bank Ltd for Rs 52,692/- was dishonoured.

Now that chq was not issued by me as I do not have any a/c with the above mentioned bank.Upon further investigation I noticed that accidentally someone had written my policy no. at the back of the cheque along with other policy nos which do not belong to me.

If only the cashier had checked that the policy no[protected] which belongs to me does not belong to the person who has issued the cheque the blunder could have been avoided.While issuing the cheque dishonour advices, The PHS Dept has simply picked up the first policy no. at the back of the cheque and sent 4 advices to me in regard to policy nos:[protected],[protected],[protected],64656273 which do not belong to me.

I sent a letter along with the returned chq and the dishonour advices through my LIC agent and asked for my premium for june to be adjusted to my premium for Sept and a letter of apology to be issued.

I was informed by my LIC Agent that the matter was resolved and that the pymts were adjusted. When my Sep premium was due and i went as usual to City Brch 14 to pay it i was informed that it had been paid and the pymt for June was still pending.Upon enquiry at my City Branch-7 they said that they did not accept my chq pymt because of the previous dishonoured cheque and wanted a cash payment which meant that the problem had not been solved at all and slept over it for 2 months.

I had to pay penalty and bank charges to the tune of Rs 467.90. apart from my regular premium pymt.Now this was made at City brch 7.Fed up with the incompetence I did not proceed to make any enquiries considering the matter resolved and my pymts being up-to-date.

But that was not the end of it and led to further complications.When I went to pay my December's pymt at City Brch - 4 they stated that the Sep's premium was still due and took the pymt for September 09 again along with penalty charges of Rs 164.90.Advised them that we had already made a pymt for Sep and have a receipt for the same they advised that the pymts may not have been updated at my LIC Brch-City Brch 7 and need to contact them.

This time I personally went to the City Branch office - 7 on the 10.12.2009 along with my husband and explained the entire issue to Mr TVNR Swyanarayana Rao Manager (Admin) he asked me to produce bank stmts alongs with receipts right from March to Sept and he would resolve the entire matter within half an hour and said that he had understood the problem.Asked him as to why he required the March receipt since the problems all started from June and I clearly had two receipts showing pymts had been made for Sept twice and one receipt for june he said that needs it for investigation,told him that i had misplaced the march receipt however definitely had a bank stmt showing that the march pymt had debited my a/c he said that it would be fine.He assured me that he could resolve my case. He returned all the proofs that we had and asked me to come when I had everything ready.

So I accordingly went with the relevant documents today the
[protected] to the same concerned person who bluntly and rudely as to why I was showing him bank stmts when he wanted the march receipt.Remined him of our earlier conversation and he said that I need to give a letter stating the problem and they would investigate it, as there had lack of staff now. I Told him that I had done what he asked and now he was turning back when it was his turn to take action.He was adamant and wanted a letter.

So I drafted a letter once again and submitted with all the details which took nearly half an hour. When we went to him with the letter he refused to accept it stating that he issue any apology as mentioned in my letter and was not competent to do so. Told us to visit the LIC greviences brch at Secretariat Hyd.

Expressed our dissatisfaction to him and told him that it was not the right was of treating customers he just turned a blind eye to us and said that it was not his problem even if he wanted to close the policy

This entire issue has caused alot of stress and inconvience to me that I have to run pillar to post to resolve something which is not even my fault.

I will be going to the greviences office as well however please kindly look into the matter and do the needful and I will be able to provide all the necessary proof except for the original march receipt.My Dec pymt is still pending so I would like the double pymt i made for sept to be adjusted to the Dec premium and all charges to be refunded along with a letter of apology

Yours faithfully
Patricia Godinho