Life Insurance Corporation of India [LIC] Complaints & Reviews

To

The Area Manager
LIC Housing Finance Limited
35 / 1&2, Amudhasree Flats
Reynolds Road
TIRUCHIRAPPALLI – 620001


Sir,

Sub: My Housing Loan A/c. 25012909, Appl.No.309536 – Grievance regarding ECS
Arrangement – Complaint - reg.

I am writing this letter after having tried to represent my case to your staff on many occasions and getting frustrated due to their unsympathetic, uncaring and unhelpful attitude.

Sir, I have been making regular remittances (EMI) towards the above housing loan for the past many years through ECS arrangement with Punjab National Bank. Recently, since I have joined the Bharathidasan University as Professor of Social Work and because my salary account is with the State Bank of India (BDU Branch - SB A/c No: [protected]), I wanted to change my ECS arrangement from PNB to SBI. In this regard, I gave my fresh ECS Mandate Form duly signed by me and the officer concerned at the SBI (BDU Branch) to your staff (a young lady who takes care of all matters relating to ECS payments and IT Certificates), as early as 20th November 2009. but, on 25th Jan 2010, I was shocked to receive a letter from your office informing me that my payment had been dishonoured (in an open letter which can be read by anyone in a rather degrading manner). As soon as I got that letter, I came to your office and met the lady staff in-charge of ECS and pleaded with her to set things right with regard to my ECS arrangement. She said she will see what can be done but never did anything. She also promised to call me and appraise me regarding the actual problem concerning the ECS arrangement which she has not done till date. In the mean time, again, yesterday, I was shocked to receive another open letter dated 02/02/2010 mentioning that there is non-payment of dues under my Loan.

Sir, I wish to inform you that I submitted ECS Mandate Forms to your office and the BSNL office on the same day (20/11/2009). The BSNL bills are being cleared through ECS without any confusion or problem but only with the LIC, I am facing unnecessary problems, mental agony and stress.

Sir, I am extremely busy person occupying a very responsible position as Professor & Head, Department of Social Work at the Bharathidasan University, Tiruchirappalli-23. I travel a lot both within the country and even overseas and hence, I am always hard pressed for time. I can not be running up and down to your office to beg your staff who are very indifferent and totally unhelpful. It is very unfortunate to see how staff of a government organization such as LIC can cause so much of mental stress, agony and problems even to highly educated and well placed individuals like me. I am just wondering how much of a mental agony they will create for uneducated or less educated folks.

Sir, I even tried to meet with you personally, but I could not. Now, I request you to take serious steps and see that my ECS arrangement with the State Bank of India is regularized.

Since, my EMI remittance has been disrupted for the past 2 months for no fault of mine, I am herewith sending you an SBI Local Cheque (No.443012) dated 05/02/2010 for Rs.8448/- (Rupees Eight Thousand Four Hundred and Forty Eight Only) towards my 2 months’ EMI amount. Kindly acknowledge receipt of the EMI remittance and set right my ECS arrangement.

I am also sending a copy of this letter to the State Bank of India authorities for necessary action and initiatives to rectify things, if at all there are any, on their part.

I request you Sir, to kindly help me by intervening and taking further action against erring staff of concerned departments, sections or whatever.

Thanking you,
Yours truly,



(P.ILANGO)

Encl : SBI Local Cheque (No.443012) dated 5th Feb 2010 for Rs.8448/-

Copy to:

1. The General Manager, LIC Housing Finance Corporation of India
2. The Zonal Manager, State Bank of India
3. The Branch Manager, State Bank of India (Bharathidasan University Branch) Tiruchirappalli-24
4. Consumer Redressal Forum

SIR, MY MARKET PLUS POLICY NO IS[protected], I AM OPEN NEW POLICY BUT I AM NOT RECEIVE MY UNITBALANCE AND NAV PRICE STATEMENT. Please send me my statment .

I, Rahul Kumar Sharma, have taken some Policies from HDFC SLIC, but
have been cheated, so I would like to address this serious concern
which I have been facing since a long time, but unfortunately, so
far,HDFC SLIC team have not been very keen to look into the concerns,
with this mail, I hope not only to be heard in a proper manner but also
some necessary actions will be taken against the culprits..

These are the main concerns/problems we have:

1. While taking policies I have been told by the representative that
the premium is to be paid only for 2-3 years only that too for 3
policies that I have taken... which I got to know only a few days back
is not the case.. to my shock I got to know that there are several
policies in my name which I have never been aware of and we got to know
about it only when we found that the money has been transferred for
almost 7-8 different policies.

2. There are fake policies in my wife's name, Archna Khurana where if
you go through the paper work the signatures are not there, and even
the address is fake, to my utter surprise I got to know of this
scam,when the money was transferred from my account and I got the
details where and why the money has been transferred.

3. There are policies in the name of my Brother Rohit Kumar, again I
was left aghast when I got to know that the premium amount has been
deducted for 3 policies though we had just taken one policy for him.

I have provided information to the representative trusting him
unknowingly that a Bank of such repute can cheat their customers with
lakhs of rupees.

I would hereby request for a refund of all those policies which are
fake, for which we are hopeful to get some reply from your esteemed
Bank within this week as I am not very keen to proceed for legal
complications, but if I would not be heard this time, filing for a
legal suit will be the only option as the money involved is not just
few thousands but lakhs of my hard earned money.

I am very hopeful for a positive reply this time.(details of all these
policies will be provided once I hear from any representative of HDFC
Bank)

Dear Avinash,

This is with reference to my discussion on January 30, 2010 regarding non receipt of the processing fees paid towards LIC Housing Loan File No: 407640 & Top up loan File no. 407639.

As discussed earlier, I have applied for loan transfer & top up request dated April 27, 2009 and the same got rejected after 4 months due to some reason. I have been following with your thane branch sales agent Mr. Ramesh Chavan also spoke to Mr. Mohan (Head of thane branch) from last 8 months for the refund of Rs. 5300/- paid towards processing fees of above mentioned loan no’s.

Further to our discussion and confirmed by you, you were supposed to get back to me by the same day itself but I am still waiting for your revert.

Request you to look into the same else I will escalate the matter to consumer court.

Your earliest revert in this regard will be highly appreciated.

Warm Regards,
Ajay Shetty
+91-[protected]

As I already in given my policy number and details to the employee of Kotak life insurance but still not getting my policy bond, almost 6 months gone and i am still waiting, all details of conversation with your employee by mail is follows so pls arrange to send my policy bond at earliest,










Mr. Bhanu,

As I still not received my bond mentioned earlier pls help me out in the matter as it's to long,
So pls arrange to send my bond at earliest

Regards,
Ajay K pathak

- Hide quoted text -




On 1/6/10, Ajay Pathak <[protected]@gmail.com> wrote:


[protected] Forwarded message[protected]
From: Bhanu Singh /Kotak/Direct <bhanu.[protected]@kotak.com>
Date: Wed, Jan 6, 2010 at 11:40 AM
Subject: FW: test mail
To: [protected]@gmail.com


Hi,
Pls find detail.

Thanks & Regards
Amit Sharma

From: Kli Despatch //Kotak/Insurance
Sent: Tuesday, January 05, 2010 2:11 PM
To: Vikas Sharma /Kotak/Direct
Cc: Bhanu Singh /Kotak/Direct; Aneela Sinha //Kotak/Insurance; Vijaya Lalchandani //Kotak/Insurance
Subject: RE: test mail

Dear Vikas,

We have already dispatched the policy to the DL1N branch on 02/07/09 through Blue dart via Awb no. [protected]. The shipment was received on 03-Jul-09 by SHIVEN. The document has not yet come back to CPC as undelivered.

Thanks & Regards,
Vijaya L

Note: As decision taken by senior management, those policies, which belong to BC, Religare, SMC, Unicon, RR, Almondz and Zuari would be directly dispatched to DL1N Branch. Kindly coordinate with DL1N branch for further details.

From: Vikas Sharma /Kotak/Direct
Sent: 05 January 2010 13:35
To: Aneela Sinha //Kotak/Insurance
Cc: Kli Despatch //Kotak/Insurance; Bhanu Singh /Kotak/Direct
Subject: FW: test mail

Hi,
Client has sent us a mail asking for the bond. Please help us in resolving the same.

rgds

Wishing You all a very Happy New Year and Great Year Aheads.
From: Bhanu Singh /Kotak/Direct
Sent: Thursday, December 24, 2009 12:13 PM
To: Vikas Sharma /Kotak/Direct
Subject: FW: test mail

Dear Sir,
Pls do need Full.


Thanks & Regards
Bhanu Singh
From: Ajay Pathak [mailto:[protected]@gmail.com]
Sent: Thursday, December 24, 2009 12:10 PM
To: Bhanu Singh /Kotak/Direct
Subject: Re: test mail

To
Branch Manager,
Kotak Life Insurance Ltd.,

Sub: Regarding requirement of Policy document[protected]

Dear Sir,

I filed application for changing my policy (numbered 1619008) earlier, but now I don't want any change so pls arrange to send my policy document at earliest in following address,

C-103,
West Vinod Nagar,
Streeet No. -08
New Delhi 110092

Regards,

Ajay K Pathak

Sir,
Already I have paid my LIC Due premiums to the corporation on 20/07/2009 with ORN : 1181425, and TR No. 36381 in Bhadrachalam Branch (Code : 64 R), my policy no. is[protected], DOC : 28/03/2005, TNT : 89-18. My next premium due is 09/2009. But when I went to premium collection centre, my policy has been lapsed from 28.06.2007 and according to the revival quotation i have to pay Rs.19,654.

I am innocent and I dont know about the above information. supose if risk may happen, my family and dependents wont get any risk cover. So I am sending this matter to your notice. justify me, I am enclosing office receipt copy and premium collection centre's rivival quotation. please justify me.

Thanking you

yours faithfully
M.Kesavaraju

My Adress:
M.KESAVARAJU
Govt. Jr.College Road
Charla (Village & Post)
Khammam (Dist)
Andhra Pradesh
PIN : 507133

policy no[protected] rs.186/-
policy no[protected] rs.183/-
policy no[protected] rs.1344/-
policy no[protected] rs.2544.60

My Sister Aruna Rani has purchased a policy (policy no.[protected], branch- Hindustan Building, Jamshedpur-2nd) from a Agent Devender (Agent code is issued to his wife Vijaya Luxmi, code[protected]. My sister gave them a amount of 15,000.. They handed over the documents to her. Now she has been shifted to delhi from more than one year. Now when she tried to pay again the premium from Delhi office she found that policy is not with her name. Agent has sold the policy to someone else. I have tried his number several times but he is telling lie everytime. Even many times he told me that i am paying, i have just deposited in your account...and many times keeps his mobile switch off. Please sort out this problem as soon as possible..

I HAD APPLIED FOR A HOUSING LOAN FROM LIC HFL KAUSHAMBI GHAZIABAD NEARLY FOUR MONTHS AGO FOR PURCHASING A FLAT IN VASUNDHARA (GHAZIABAD). THEY HAD TAKEN A CHEQUE OF RS 1103.00 AS PRE PROCESSING FEES. I HAD SUBMITTED ALL THE DOCUMENTS TO THEM. THERE WAS NO RESPONSE FROM THEIR SIDE SO LONG , MOREEVER THEY HAD CLEARED THE CHEQUE ALSO WITHOUT TAKING ANY ACTION.
SEEING ALL THESE DELAYS I HAD DROPPED MY IDEA OF TAKING LOAN FROM LIC HFL, NOW I WANT TO TAKE MY PREPROCESSING FEE AMT BACK. I HAD SEND SEVERAL MAILS TO THEM BUT THEY DONT REPLY .

PLS HELP ME TO GET MY MONEY BACK

THNKS
ROHIT JAIN
25/4/TYPE-3
ORDNANCE FACTORY ESTATE
MURADNAGAR-201206
GHAZIABAD
PH-[protected]

PLEASE SEND MY LIC USER ID ON MY MAIL amitkaushik.[protected]@gmail.com
my policy no is[protected], DOB 12/12/1985

Dear All
I am not sure who is the responsible person in the LIC Housing finance, as a dissatisfy customer and frustrated by the pathetic customer support provided by your officials, I am forced to share my concern to all of you, I could get from the Internet. Hope this will be an insight for you and act as an eye opener to improve the organizational culture to develop the LIC HFL as an organization customer oriented, (No Organization can grow without customer)

I have approached the LIC HFL Local Area Office Faridabad and the response from the Area Manager was so rude and unhealthy to resolve the customer issues.

=>I have taken the Loan on dated March 18th, 2008 and no document was provided to me including the tri-party agreement till date.
=>I have Paid all my dues: Dec 26th, 2009 (MLR No.: 35, with Zero Balance) due to reason Documents not provided to me, and LIC-HFL has also charged pre-payment charges.
=>As per the LIC-HFL Policy, Please let me know when I should get my Original Documents.
=>On pursuance LIC HFL is giving me the date March 15th, 2010?

Voice of Customer
=>Why Your Office is not responding to deliver the Original Documents Immediately, or do you want to say 2.5 months is the proper time. this is the speed LIC-HFL working or this is
the individual person issue. If So why the organization should earn the bad name.
=>Any delay at customer part, you have charged the penalty including the prepayment. Than why the delay at LIC-HFL. account should not be consider as failure at your part.
=>LIC HFL office is calling me on Jan 27th and Jan 30th 2010, I have dues of approx 1.8 lacs, and asking me why your RTGS is not cleared. though all the money has been paid on Dec 26th
2009. This clearly shows communication gap within the system.

Hope you will give the Prompt feedback.

(RAJKUMAR)

LIC OF India
Chairman
Mumbai


Re: Information required under RTI Act

I had submitted the payment of premium by cheque at Branch in Borivali No.902. By mistake I had written the date on cheque of 2009 instead of 2010. The cheques was returned inspite of availability of fund in my Bank account. Now LIC is telling me that I had made the mistake and there is no duty of LIC employee to check the details filled in the cheque. Further they are not ready to accept the cheques. They want only cash. I wanted to make payment by Bankers cheque which they are not ready to accept. Further staff at the branch is giving me threat and they told me to go and make complani anywhere I want to make.They are not afraid of it as it is not their duty to check the details in the cheque.

I wanted to know under RTI whether it is duty of staff accepting payment to verify the matter on cheques before sending it for realisation. Branch told me they are not suppose to check anything. Policy holder is only responsible for this.
Further I wanted to know if it is duty of staff to check the thing and if they have not checked then want is penalty for them. Because I have to make payment by Bankers cheques for whcih payment of banks charges i have to make and additional payment of another charges of Rs.135 is payble by me to LIC. I am really surpise to see the LIC website there is no system for the complain against the branch. Why this is so. They only wanted to recive the money but do no wanted to listen any complain to their customers against them or their staff.

Jayesh Shah

Sir, I Had taken loan from LIC policy no.[protected] at DEVARKONDA, Nalgonda, A.P(branch-73E) policy loan amount paid through ICICI bank cheque no.648893 amount of Rs.20000/- (Rupees Twenty thousand only)cheque was cleared on 29.08.2008, Now I had verified at LIC Devarkonda branch office the same amount is not yet posted in my LIC account , so I had given a written compliant to Branch manager on 22.12.2009, but as on date no action has been taken
So I am requesting to you please resolve the same and regularise from 29.08.2008

Regards,
E.SHYAMKUMAR
LIC Policy No.[protected]

Dear Sir/Madam,

I payed my policy premium amount (Rs. 6412/-) which no. is[protected] on 29/01/2010. Even transaction is successful (as per bank's notice) I have not recieved any copy of reciept online nor able to see in View Premium reciept in customer's folder. I have been try to lodge the online complaint but it shows "Please try later". Since I have to show the reciept in my office for Tax benefit by today. Please resolve my issue as early as possible. Their customer care representatives are also not picking up the phone in chennai office. Their office no, is[protected],[protected].

Very poor customer service.

Dear sir, all related form has been summited at supau Branch last two years before ,My Husband Policy No[protected] Late Tara kant Jha,Vill-Bavangama,P.O.-Veena. Distt.-Supaul -852131 ,since last two years I send any application at endorse Branch Manager ,but no any replay to me, Kindly setteld my Deth claim soon ,I shal be Oblige....

Smt.Kiran Devi
W/O Late Tara Kant Jha
Vill-Bavangama ,P.O-Veena
Distt.-Supaul-852131
Bihar

DEAR SIR,

THIS IS TO BRING A KIND NOTICE THAT MY MOTHER(LATE. SHRIMATI SUNITA TYAGI) HAD A POLICY OF RS 25000/- FROM LIFE INSURANCE CORPORATION OF INDIA FROM THE BRANCH-115(N-72,BOMBAYLIFE BLDG CONN CIRCUS,N DELHI-1).THE POLICY NUMBER IS[protected]. MY MOTHER NAME IS MRS SUNITA TYAGI.SHE IS DIED ON 30/07/1993.SHE IS MUDERED BY MY FATHER.AFTER THAT IN THE PERIOD OF TRIAL IN THE COURT KARKADOOMA MY FATHER BECOME MENTAL DEPRESSION.THE COURT DECLARE HIM MENTAL. MY PARENTS HAVE TWO SON.ONE MYSELF(NITIN TYAGI) SECOND MY SMALL BROTHER(MAYANK TYAGI). BUT LIC IS NOT COOPERATING FOR GIVING THE CLAIM AMOUNT TO ME & MY BROTHER AS WE ARE LEAGL HEIRS.SO PLS REGISTER MY COMPLAINT ASK LIC FOR PAYMENT. IHAD INFORMED THE LIC WITHIN TWO MONTH ABOUT MY MOTHER DEATH.ALL THE PAPERS IS SEND TO LIC WITH POLICY.
THANKING
NITIN TYAGI.
SON OF LATE SHRIMATI SUNITA TYAGI & SURESH CHAND TYAGI.
ADDRESS : J-28,LAXMI NAGAR,DELHI-92
MOB:[protected].[protected].

My policy no[protected]. It was vested on 24/12/2005.By letter dated 27/12/2005 the Chennai city br No
XV requested me to exercise option to receive monthly pension. Since the Policy was misplaced by me I could not send the option in time.Thereafter no correspondance . The corp may enlighten when the vesting period will be over and proceedure for receiving the money without policy.
S Shanmuganandam
C 27 Golden Jubilee Apts
Ashok piller Road.
K K Nager Chennai 78

I applied for housing loan from LICHFL (Gurgaon circle) in sep 2009. My application got principal approval in less then a month.

After that i applied for a disbursement of loan amount providing them my demand letter in late December 2009 (construction linked plan payment option) along with all documentation complete from my side (agent confirmed it).

In Jan 2010 second week, my agent's peer (agent was on leave - peer told me) asked me to submit few more documents to process my disbursement paper giving reason that validity of principal approval ended.

Now it’s almost end of Jan 2010, i have got no responses despite many reminders.
They earlier promised me that disbursement would hardly take 1 week.

Till now I have paid all processing fee including all miscellaneous charges (~8-9 k)

I am frustrated about this. LICHFL should consider the customer sentiments too. :-(

Could you please suggest on this. My builder is asking me for payment as the last date is a history now. Please suggest me a way.

Need User-Id &password

Respected Sir /Mam

I am Lic Agent Since 4 Years At ahmedabad( odhav branch 83 P)
I Need a user-id and password for my agency code to view the status of my live. i have transfer my agency from ahmedabad to rajgir branch 51L of 31 january 2008. . I have done about 50 lives up to march 2009 but my commision and 2007-08 and 2008-09 bonus is pending. i have many complain to branch manager but i have unsuccess to get commision and bonus. so please help me.


My Details

NAME : Suman Sourabh Prasad
Village - Pilkhi
Post - Rajgir
Dist - Nalanda (Bihar)
DATE OF BIRTH : 03/02/1984
AGENCY CODE : 132983P
DO CODE : 1076083
Mob - [protected] / [protected]

suman sourabh prasad

Dear Sir/Madam,
I am G. B. Kakade applied for home loan Six month back in your esteemed bank my loan application file No is 316775.
But as on date I have not received any approval regarding same. The quarry asked by your
executive (Mr. Kiran) in credit about attested salary slip & bank statement this document were submitted by me at list five times. But still there is no any kind of feedback from your side. Also my developer is asking for loan approval latter continuously. When I call your branch office at Kalyan (Ph. No.-[protected]/2213388) your executive (Mr. Kiran) always assured me about approval & still told me that you will get approval within 2 or 3 days. This is happening from last 6 months. But till dates I have not received any approval. So can you give me clarification regarding this delay via return mail.

Please look into matter.

Your Faithfully,

G. B. Kakade