Mediclaim Through Royal Sundaram — Amount of interest being charged

I was offerred a Mediclaim scheme of Royal Sundaram for Stanchart Credit Card holders in May '08. The said insurance commenced from May (02.05.2008) and I was informed that the amount will be paid through the Card. First installment was paid by the Bank on 24.05.2008 and was raised in the bill of June '08 (20.06.2008) payable by July '08 (12.07.2008). The amount was paid by me without knowing that the installment which I am paying on 'regular' terms was actually being considered paid as 'delayed' payment thus attracting late payment interest.

For these 14 months I was being charged interest in the range of Rs.175/- to 215/-. Time and again I have been enquiring about this interest amount and I was informed that the amount will be reversed soon.
Just to comply with regular payments and keeping the track satisfactory I have been paying the amount. You can check the payment track of my Card ([protected]) statements.

Now, on going through the offer certificate of Royal Sunderam, I feel that I was cheated for the interest amount. I have prepared a statement of payments made to you. In the month of August 02.08.2009 onwards I will be depositing three installments againt the same, which I assume will clear all my 'overdue' amounts. But, what if I would like to continue the Mediclaim with Royal Sundaram by passing the facility to Card holders of your Bank? If I withdraw, my payments of Rs.15000/- will go in vain and if I continue making payments through your Bank, I will have to pay 'more' as till now.

This is a genuine problem and may be responded to my mail address.

Further, I sent "SERVICE" message to [protected] on 28.07.2009 and till now that is 11.55 AM 01.08.2009 I have not heard from you.

N.M.Raturi