[Resolved]  National Insurance Co. Ltd — Abhinav Traders, Jaipur claim with National Insurance through SBBJ, Jaipur

Address:

Jaipur, Rajasthan

Sir, The whole matter sending you Which is continue from last 3 years.
Thanks
Dileep Jain
Abhinav Traders
Jaipur

Sir,
I try to contact you on friday but you are in the meeting.
sir, please send me copy of the file of our matter in your office, I need it in case in the court & Mr. Lalit kumar (MOF) also told me that take copy of the file/letters with IRDA. I also request to Mr. Ranbir Singh (JD,Regulatery) & Mrs Yegnapriya Bharath (JD.COMPLIANCE)but they told that file is with chairman's office, so I am requesting you.
Letters of MD,SBI, Mumbai & GM SBBJ& cutting of DAINIK BHASKAR also attach.

I again request you & want to know that what action you are taking against the surveyors ( Mr. Bakliwal, Mr.Dameja & Mr. Mir). When public not fulfill their demands or not in position to fulfill demands then they never take their genuine claims due to them.
With Kind Regards
Dileep Jain
Abhinav Traders, Jaipur







Sir,


I am running after these depts.(National Insurance co. Ltd. & State Bank Of Bikaner & Jaipur) from last 2 years but they are not settling the case , I also take up this case withIRDA,Hyderabad, DPG, New Delhi, Ministry of Finance, Banking & financial services,New Delhi, competition commission of India, New Delhi, Insurance ombudsman, New Dehli.
No reply have been given by National insurance, in the mean time insurance company appointed 4 surveyor but not settled till today, Very first National appointed surveyor after 6 months.
Now I am forwarding this matter with you.
Please instruct to appropriate authority to settle this claim case.
This company was not providing terms & conditions to the insurers from last 10 years & when claim arise they apply terms & condition.When I demand under RTI to this company they send me Zerox copy printed in 1998.
The National officials & Surveyors manipulating the case from long-long period.
My banker taken insurance from this company on behalf of me from last 18 years & debit my account to complete their official formality/Audit objection & after that they have no interest in the customer's loss , this claim arise Ist time & I am paying about Rs.30000/ per year.
With Kind Regards


Dileep Jain
Abhinav Traders
Jaipur




[protected] Forwarded message[protected]
From: Dileep Jain <[protected]@gmail.com>

Date: Tue, Mar 16, 2010 at 3:03 PM
Subject: POLICY NAME - M/S ABHINAV TRADERS, JAIPUR [protected] WITH NATIONAL INSURANCE CO. LTD., JAIPUR

To: [protected]@nic.co.in, "Shri. J.Hari Narayan" <[protected]@irda.gov.in>




"Shri. J.Hari Narayan" <[protected]@irda.gov.in>

[protected]@nic.in,
[protected]@irda.gov.in,

nonlifecomplaints.[protected]@irda.gov.in,

ac.[protected]@nic.co.in,
[protected]@nic.co.in,
[protected]@sbbj.co.in,
National Insurance SDM <RS.[protected]@nic.co.in>,
mk.[protected]@nic.co.in,
tarun.[protected]@nic.in,
[protected]@nic.in,

ps.[protected]@nic.co.in,
kanan.[protected]@nic.co.in,

islam.[protected]@nic.co.in

dateWed, Mar 3, 2010 at 10:28 PM
subjectPOLICY NAME - M/S ABHINAV TRADERS, JAIPUR [protected] WITH NATIONAL INSURANCE CO. LTD., JAIPUR
mailed-bygmail.com

hide details Mar 3 (13 days ago)


Sir,


I receive a call from Mr. Mir, Surveyor ([protected]) on 20th feb.2010 about 5 p.m. and he was telling that I was appointed in your matter by H.O. Kolkotta & I want to meet you, I am at Rama Motors, Gopalpura Road . At that time I was also 1 km away from that place,so I tell him That I am coming there. When I meet him He have a Zerox of whole claim file & When I tell him that I have no information about you then he told that I was appointed directly from Kolkotta H.O. & this file also with me.
Then I call to Mr. Nadhamuni (DGM) & tell the whole as above but he told that I don't know about that I am calling back to you After 10 minutes he told That Mr. Rai(RM) is not available this time, the latest in the matter will see on tomorrow. On Tuesday evening I again call to him but phone was not responding. I send a sms on Wednesday to him then he call me and said that I am in Chennai this week & you will receive a call from R.O.
I also call on that day to Mr. Kuldeep singh([protected]) GM (TECH.) & Mr. M.C. Agrawal([protected]) chief manager but he told me that I am calling back. I also call to Mr. Prasad's office then his staff told that you will receive call from Mr. Singh.
I also call that day to Mr. Rai ([protected]) but not responding.
What game was playing by surveyor & National I don't understand. Every person was saying that we have not appointed any other person but how the claim file with Mr. Mir.(surveyor) of residing at Murlipura scheme.
In 6 month III rd surveyor have not submit report & after that Mr. Mir is also here.
Please do needful in the matter because About 2 years have been passed & what manipulation was doing by the co.and surveyors.
The details of this claim matter already with you.


With Kind Regards


Dileep Jain
Abhinav Traders, Jaipur

[protected] Forwarded message[protected]
From: Dileep Jain <[protected]@gmail.com>

Date: Sun, Feb 21, 2010 at 10:06 AM
Subject: Re: POLICY NAME - M/S ABHINAV TRADERS, JAIPUR [protected] WITH NATIONAL INSURANCE CO. LTD., JAIPUR
To: "Shri. J.Hari Narayan" <[protected]@irda.gov.in>
Cc: nonlifecomplaints.[protected]@irda.gov.in, [protected]@irda.gov.in, [protected]@nic.in,mc.[protected]@nic.co.in, [protected]@nic.co.in, "s.patnaik national insurance" <s.[protected]@nic.co.in>


Sir


I am sending you image of letter send by my banker (MD) to CMD National before 8 months .Some officer of National Insurance also went to DGM in Nov.2009.
Mail of BM,SBBJ is also with this below & cc also given to top officials of their H.O. Kolkotta.


With Kind Regards
Dileep Jain
Abhinav Traders.



On Fri, Feb 12, 2010 at 2:55 PM, Dileep Jain <[protected]@gmail.com> wrote:

Sir,

I have every time respond to the new surveyor Mr. Dameja (previous also) in time. I talk to Mr. M.C.Agrawal, Kolkotta,Mr.Nadhamuni, DGM, Jaipur, They are saying that I am not responding to Mr. Dameja,I tell them all the time I have co-operate him. In last Mr. Dameja also meet to our Bank's DGM & our Barnch Manager Mr. Goyal & he also tell him that I have inspected premises at the time of loss & also mail to Dameja & officers of National.
I also given list of employee's of that time & our financial books through our bank's AGM Mr.Rajeev Gupta to him & same was received to him.
Mr. S.K.Bankiwal-surveyor also meet with the employees in Nov.2008.
Mr. Dameja come to me Ist time in Sept.-2009.
A letter is also written by our Bank's GM (operatons) to CMD, National regarding this claim in 8th August-2009.

Now I am not understanding what more wants ?
Please take up the matter & help me to solve it.

With Kind Regards
Dileep Jain
Abhinav Traders, Jaipur

Mail of our Branch Manager, SBBJ, Kishan Pol , Jaipur to National
[protected]@hotmail.com
To: mc.[protected]@nic.co.in; [protected]@nic.co.in; [protected]@nic.co.in; [protected]@sbbj.co.in, [protected]@hotmail.com
Subject: FW: CLAIM MATTER OF ABHINAV TRADERS WITH NATIONAL INSURANCE CO. LTD.
Date: Fri, 4 Dec 2009 07:23:01 +0000

Sir,

Mr. Dameja,surveyor,National Insurance Co.Ltd. Jaipur come to our branch on 20th Nov.,2009 at 1 P.M. and give a copy of letter,which was also given to Mr. Dileep Jain of M/s Abhinav Traders earlier. He came in very busy schedule . I told him that I personally visit the demaged stock & premises at that time & then try to cordinate with the National Insurance.

Mr. Jain told that he already given the papers which co. is demanding again and previous surveyor also meet with the staff in Nov.08.
Further I want to disscuss with him other issues but he told that My wife is sitting in the car for going to pension office & I also go 100km. away from here at 3 p.m., I & Mr. Jain also request him to visit shop which is about 200 meters from here but he told that come next time.
He left my office at 1.15 p.m. & tell me I will talk you later.

A.K.Goyal
Branch Manager
SBBJ, Kishan pol Bazar,Jaipur


Sir,

We call on 7th jan.-2010, when you told that I talk to National & revert back to you but after passing 15 days there is no responce in the matter.
Please take up the matter with National, what they want ?

Dileep Jain
Abhinav Traders

[protected] Forwarded message[protected]
From: R.Srinivasan <[protected]@irda.gov.in>
Date: Fri, Nov 13, 2009 at 10:29 AM
Subject: FW: M/S ABHINAV TRADERS, JAIPUR [protected] WITH NATIONAL INSURANCE CO. LTD., JAIPUR
- Hide quoted text -
To: ABHINAV TRADERS <[protected]@gmail.com>


Thanking you,
Yours faithfully,
R.Srinivasan
Officer on Special Duty
Insurance Regulatory and Development Authority
Hyderabad
-----Original Message-----
From: R.Srinivasan [mailto:[protected]@irda.gov.in]
Sent: Wednesday, November 11, 2009 4:58 PM
To: 'MC.[protected]@nic.co.in'
Cc: '[protected]@gmail.com'
Subject: FW: M/S ABHINAV TRADERS, JAIPUR [protected] WITH NATIONAL
INSURANCE CO. LTD., JAIPUR
Dear Sir,
You are requested to let us have your comments on the matter urgently.
Thanking you,
Yours faithfully,
R.Srinivasan
Officer on Special Duty
Insurance Regulatory and Development Authority
Hyderabad
-----Original Message-----
From: R.Srinivasan [mailto:[protected]@irda.gov.in]
Sent: Tuesday, September 15, 2009 11:59 AM
To: 'MC.[protected]@nic.co.in'
Cc: '[protected]@gmail.com''
Subject: FW: M/S ABHINAV TRADERS, JAIPUR [protected] WITH NATIONAL
INSURANCE CO. LTD., JAIPUR
Importance: High
Dear Sir,
Pl. let us know the present status on this matter.
Thanking you,
Yours faithfully,
R.Srinivasan
Officer on Special Duty
Insurance Regulatory and Development Authority
Hyderabad

-----Original Message-----
From: D. S. Murthy [mailto:[protected]@irda.gov.in]
Sent: Monday, September 14, 2009 1:30 PM
To: [protected]@irda.gov.in
Subject: FW: M/S ABHINAV TRADERS, JAIPUR [protected] WITH NATIONAL
INSURANCE CO. LTD., JAIPUR


-----Original Message-----
From: ABHINAV TRADERS [mailto:[protected]@gmail.com]
Sent: Sunday, September 13, 2009 10:32 PM
To: [protected]@irda.gov.in
Subject: M/S ABHINAV TRADERS, JAIPUR [protected] WITH NATIONAL INSURANCE
CO. LTD., JAIPUR
SIR,
WHAT ACTION YOU ARE TAKING AGAINST INSURANCE CO. OR SURVEYOR, WHEN I
TALK WITH MR. TARUN BAJAJ ,JT. SCY. ,BANKING & FINANCIAL SERVICES & DDPG
MRS.M.TSHERING,DIRECTOR PUBLIC GRIEVANCE,NEW DELHI,THEY TELL ASK FROM
IRDA,GIC, ABOUT ACTION TAKEN AGAINST SURVEYOR & INSURANCE CO. FOR
FILLING FALLS & DEFECTIVE REPORT AND INSURANCE CO WHO IS NOT FULFILLING
INITIAL FORMALITIES( I.E.NOT PROVIDING TERMS & CONDITIONS)
I ALSO MAIL TO YOU EARLIER BUT NOT RECEIVED ANY REPLY FROM YOU.
WITH KIND REGARDS
DILEEP JAIN

[protected] Forwarded message[protected]
From: ABHINAV TRADERS <[protected]@gmail.com>
Date: Sun, Aug 30, 2009 at 10:03 AM
Subject: M/S ABHINAV TRADERS, JAIPUR [protected] WITH NATIONAL INSURANCE
CO. LTD., JAIPUR
To: [protected]@nic.in
Cc: [protected]@nic.in, [protected]@irda.gov.in, [protected]@nic.co.in,
RK.[protected]@nic.co.in, mm.[protected]@nic.in, rajni.[protected]@nic.in


[protected] Forwarded message[protected]
From: ABHINAV TRADERS <[protected]@gmail.com>
Date: Thu, Aug 13, 2009 at 4:33 PM
Subject: M/S ABHINAV TRADERS, JAIPUR [protected] WITH NATIONAL INSURANCE
CO. LTD., JAIPUR
To: [protected]@irda.gov.in
Cc: nonlifecomplaints.[protected]@irda.gov.in, [protected]@nic.co.in, RK.[protected]@nic.co.in


Dear sir,
This matter is against National Insurance co. ltd., which was
also given to Sh. Sriniwasan (Non life Insurance) and also issue letter
by him to the co.
This is for your kind notice that the surveyor write in his report
in para III that entrance gate of the basement is at a distance of 5 ft.
from boundary wall gate, when the entrance gate is at a distance of 15
ft. from our boundary wall as you may see in the photograph also in the
file (Permanent construction) & you send any person to visit it.
The surveyor is submitting his report on 15/11/2008, when he come
for survey at my godown on 16/11/2008 & issue letter on 5/12/2008 as
reminder - 1 for submitting various documents by speed post (copy of the
letter is with me). as per survey report ,it is stated that "The insured
not provided any geological dept. report", Which report is issue by
geological dept,i don't know(on page no. 2nd,para no. VI) when we
provide papers till 10th th Dec. then how he prepare his report on
15/11/2008. I can send a copy of that survey report.
He was also stating that by wind pressure the showers also entered
from the entrance gate of basement. Our basement entrance gate is 15 ft
far from Boundry wall and after that( 4ft. of rcc balcony and 7ft.
covered by fibre sheet (clear in photograph) , then how (as per
surveyor) showers enter in gate of basement.
I am also not understanding that when surveyor dispatch his report
at the last (Page-7)of the report is on 15/11/2008
I and your branch make repeated requests him to visit our shop at
1459, sanghi ji ka rasta, Jaipur on which the another policy was taken
by bank but he never visit the shop & he treat all the stock on our
godown and apply average clause.
I also provide him news paper cutting of Danik Bhaskar & Rajasthan
Patrika for the day.
Our banker also write 5-6 letters to your RO, DO & crossing selling
dept. but not receive copy of prorosal form and in the last they write
they have no record by their letter dt.9/6/2009 by DO - I, Jaipur
With kind regards
Dileep Jain


[protected] Forwarded message[protected]
From: Dileep Jain <[protected]@gmail.com>

Date: Sun, Jun 7, 2009 at 5:46 PM
Subject: POLICY NAME - M/S ABHINAV TRADERS, JAIPUR [protected] WITH NATIONAL INSURANCE CO. LTD., JAIPUR
To: [protected]@irda.gov.in

Cc: [protected]@irda.gov.in




DEAR SIR,


MY BANK TAKEN A INSURANCE POLICY ON MY SHOP & GODOWN FOR RS. 40 LACS FROM NATIONAL INSURANCE CO. LTD. MAHESH NAGAR, JAIPUR BRANCH IN OUR FIRM NAME ABHINAV TRADERS,JAIPUR(POLICY NO. [protected]).
FIRST THEY DENY WRITING THAT(23/06/2008) YOU TAKEN SHOPKEEPER POLICIES AND LODGE LOSS IN GODOWN,HENCE AS PER POLICY T&C ABOVE SAID LOSS DOES NOT FALL UNDER POLICY T & C.
THEN WE CONTACT THEIR HEAD OFFICE KOLKOTTA FOR 4 MONTHS AND THEY REGISTERED GRIEVANCE THEN THEY APPOINT SURVEYOR AFTER 5 MONTHS(11/11/2008) AND THEN MANIPULATE WITH THE SURVEYOR FOR 2-3 MONTHS AND THEN WRITE ON (17/03/2009)THAT LOSS WAS DUE TO RAIN WATER NOT BY FLOOD /INUNDATION ,WE ARE CLOSING YOUR CLAIM FILE.
AFTER I AM DEMANDING HIM COPY OF PROPOSAL FORM BECAUSE THAT WAS FILLED BY OUR BANK SBBJ, JAIPUR,TERMS & CONDITIONS BECAUSE THEY SEND POLICY WITHOUT T&C AND COPY OF COVER NOTE BY REGISTERED LETTER OF 20/3/09 AND OUR BANKER ALSO WRITE TO CO.ON 15/5/09, A FAX , AND ALSO CALL TO MR. HUSAIN, SRM, JAIPUR OF NATIONAL INSURANCE CO LTD. JAIPUR .
THEY MANIPULATE THE CASE WITH SURVEYOR,SRM & SDM ALL ARE INVOLVE AND ALSO NOT PROVIDING NEEDFUL PAPERS.
I ALSO WRITE TO INSURANCE OMBUDSMAN BUT THEY WRITE THAT THEY ENTERTAIN ONLY PERSONAL INSURANCE MATTER.


PLEASE DO NEEDFUL AGAINST INSURANCE COMPANY AND SHOULD FIT PERSONAL LIABILITY AGAINST THEM.
RELATED PAPERS OF THIS PERIOD CAN ALSO SEND TO YOU IF REQUIRE
I AM IN FINANCIAL CRISES DUE TO THIS ATTITUDE OF SENIOR OFFICERS OF INSURANCE CO.
YOU MAY SEE MAIL OF MR. M.C.AGRAWAL CHIEF MANAGER, NATIONAL INSURANCE CO. LTD, KOLKOTTA WHO INITIATE & INSTRACT THEM AND ALSO LODGE GRIEVANCE AND THEN JAIPUR SDM ALSO GIVE IN HIS LETTER THAT RECEIVE OF MAIL FROM HEAD OFFICE WE ARE EXAMINING THE CASE.
I AM ALSO ENCLOSING ALL CORRESPONDENCE OF LAST ABOUT ONE YEAR FROM TOP TO BOTTOM.
THANKING YOU


WITH REGARDS


DILEEP JAIN
ABHINAV TRADERS
MOB. NO.[protected]




DEAR SIR,


THIS IS FOR KIND ATTENTION OF MR. B.S.RAWAT. I HAVE SEND THE BELOW MENTIONED MAIL TO YOU ON 20/02/2009.


DILEEP KUMAR JAIN
ABHINAV TRADERS
956, BARKAT NAGAR, TONK ROAD, JAIPUR.


[protected] Forwarded message[protected]
From: Dileep Jain <[protected]@gmail.com>

Date: Wed, Feb 18, 2009 at 8:53 PM
Subject: FIRE POLICY WITH NATIONAL INSURANCE CO. LTD, MAHESH NAGAR, JAIPUR BRANCH
To: [protected]@vsnl.net
Cc: [protected]@rediffmail.com



- Hide quoted text -
DEAR SIR,

MY BANK HAS TAKEN THREE POLICIES FROM NATIONAL INSURANCE CO. LTD.,MAHESH NAGAR, JAIPUR BRANCH AND CO IS NOT SEND ANY POLICY OR COVER NOTE TO US . IN ALL OF SUDDEN ON 17TH JUNE-2008 DUE TO RAIN IN JAIPUR I MET A LOSS OF GOODS IN MY GODOWN AND INFORM TO THE CO., I ALSO CONTACT TO THAT PERSON FOR WHICH MY BANK GIVEN NO. AND AFTER ABOUT 2 MONTHS I RECEIVE A LETTER FROM CO. THAT YOUR LOSS ARE NOT COVER UNDER POLICY WHEN BANK TAKEN UP 3 POLICIES I ST ON MY SHOP, II ND ON MY GODOWN AND3RD ON MY PROPERTY WHICH IS WITH THE BANK AND PAID TOTAL PREMIUM IS 21200/-. I AM SENDING YOU ARE THE RELATED MAIL AND COMPLIANT LODGE BY ME TO THE NATIONAL INSURANCE CO. LTD. AND THE GRIEVANCE NO. HO:CRMD:JRO:[protected]:11:243:G dt. 4.11.08. MY I ST POLICY ON 1459,SANGHI JI KA RASTA, JAIPUR OF RS.20 LACS, II ND POLICY IS ON 956, BARKAT NAGAR, JAIPUR OF RS. 20 LACS AND 3RD IS ALSO ON 956, BARKAT NAGAR ,JAIPUR OF RS.90 LACS AND THEY ARE SAYING FIRST THAT YOU ARE NOT COVER UNDER THE POLICY.
WITH KIND REGARDS


DILEEP JAIN
ABHINAV TRADERS, JAIPUR




THE DETAILS ARE AS UNDER-:
THE GRIEVANCE SEND BY ME TO THEIR KOLKOTA OFFICE-:
DEAR SIR,


MY BANK HAVE TAKEN A POLICY ON MY CO. ON 03/02/2008 IN NAME OF ABHINAV TRADERS,JAIPUR UNDER YOUR MAHESH NAGAR, JAIPUR BRANCH.I AM MAKING INSURANCE FROM YOUR CO LAST ABOUT 14YEARS, WHEN FIRST TIME THE I CLAIM IN YOUR BRANCH THEY SAID YOU ARE NOT COVERED. WHY WE ARE PAYING ABOUT 40000/ EVERY YEAR IN WHICH RS. 21200/ AND THREE POLICIES ISSUED BY YOU IN THIS FIRM.BUT SORRY TO SAY THAT NOTHING IS COVERED IN THIS POLICY AND SUM ASSURED IS IN ALL IS ABOUT 90 LACS . YOUR AGENT OR D.O.GO TO THE SBBJ KISHANPOL,JAIPUR BRANCH AND GIVE COVER NOTE AND TAKE CHEQUE WHEN I CONTACT WITH THE AGENT HE IS ALSO NOT TALK PROPERLY AND DISCONNECT THE PHONE. NOW I RECEIVED A LETTER FROM YOUR BRANCH THAT YOUR ABOVE POLICY IS ISSUED FOR SHOPKEEPER INSURANCE BUT YOU LODGED DAMAGES ARE IN GODOWN
. I HAVE NOT RECEIVED ANY POLICY FROM YOUR OFFICE TILL TODAY FROM WHICH I KNOW WHAT POLICY YOU ARE ISSUING .
THIS IS A CHITING WITH THE CUSTOMERS HE PAY PREMIUM IN IMPRESSION THAT I AM INSURE WHEN WE GO FOR CLAIM i ST TIME IN LAST FORTEEN YEARS YOU ARE SAYING YOU ARE NOT COVERED UNDER THIS POLICY.

PLEASE SEE THE MATTER OTHER.I HAVE NOT RECEIVED ANY POLICY TILL DATE .
WHAT CAN WE DO IN THIS CASE.

WITH KIND REGARDS

DILEEP KUMAR JAIN
ABHINAV TRADERS
[protected]
[protected]

NATIONAL INSURANCE CO. LTD, KOLKOTA REPLY-:



Dileep Jain
to s.patnaik, RK.Vijay
show details Nov 5 Reply





[protected] Forwarded message[protected]

From: NC.[protected]@nic.co.in <NC.[protected]@nic.co.in>
Date: Nov 4, 2008 3:11 PM
Subject: Fw: Fwd: Fw: POLICY NAME - M/S ABHINAV TRADERS, JAIPUR [protected]

- Hide quoted text -
To: [protected]@gmail.com
Cc: MC.[protected]@nic.co.in


- Hide quoted text -
Dear Sir,

We thankfully acknowledge the receipt of your grievance as per Trailmail below. While we are taking up the matter with the concerned controlling Regional Office and requesting them for an early resolution of your grievance. We hope you will hear from them in due course of time. Further, we have registered your complaint bearing ref. No. HO:CRMD:JRO:[protected]:11:243:G dt. 4.11.08 and request you to quote the same in future, while writing to us on the subject.

Thanking you,


Yours faithfully,


M.C. Agarwal
Chief Manager & CPIO,
CRM Deptt.,
National Insurance Company Limited,
Head Office, 3, Middleton Street, Kolkata – 700071.
Ph:[protected]D)
Fax :[protected]
Email : mc.[protected]@nic.co.in


On Tue, Sep 23, 2008 at 5:24 PM, <MC.[protected]@nic.co.in> wrote:

Madam,

Trail mail is received from Mr.Dileep Jain of M/S Abhinav Traders,Jaipur as a complaint related to claim under fire policy purchased through banker.There appears to be a misrepresentation of risk covered.We would request you to please ask your concerned office to look in to the matter and resolve the grievance in question.If needed, claim can be reviewed by one step higher authority and suitable reply may please be send to insured clarifying the issues raised in complaint. If above policy no.as informed is found to be inappropriate,you may contact insured on mobile provided in mail.

With Warm Regards

Dr. M C Agarwal
Chief Manager & CPIO
CRM DEPTT.
National Insurance Co.Ltd.
Head Office,3,Middleton Street
Kolkata 700071
Ph[protected]D)
fax- 033 22815483
Mobile - [protected]
e-mail mc.[protected]@nic.co.in
Wan[protected]



-----Forwarded by M C Agarwal/HO/NIC on 09/23/2008 05:00PM -----


To: [protected]@nic.co.in, s.[protected]@nic.co.in
From: "Dileep Jain" <[protected]@gmail.com>
Date: 09/23/2008 04:13PM
cc: mc.[protected]@nic.co.in, ps.[protected]@nic.co.in, kanan.[protected]@nic.co.in, amitava.[protected]@nic.co.in, Pratiks.[protected]@nic.co.in



[protected]@sbbj.co.in

ccchairmansbi.[protected]@sbi.co.in

dateSat, Apr 25, 2009 at 1:22 PM
subjectFwd: TAKEN INSURANCE BY OUR BANK(SBBJ,K.P.BZR, JAIPUR) ON OUR C/C ACCOUNT [protected] - ABHINAV TRADERS
mailed-bygmail.com

hide details Apr 25Reply




Dear sir,

I have given a letter to your office on 5/4/2008 and mail also and 20 days passed.
I also contect to Mr. Jain Chief Manager on phone ([protected],5101654).He tell me we are contecting concerning controlor but nothing happen in 15 days.
Please take up the matter at your lavel.

[protected] Forwarded message[protected]

From: Dileep Jain <[protected]@gmail.com>

Date: Apr 10, 2009 10:39 AM
Subject: TAKEN INSURANCE BY OUR BANK(SBBJ,K.P.BZR, JAIPUR) ON OUR C/C ACCOUNT [protected] - ABHINAV TRADERS

- Hide quoted text -
To: [protected]@sbbj.co.in
Cc: dgm.[protected]@sbi.co.in


- Hide quoted text -
Dear sir,

I have given a letter to your office on 4/4/2009 in this matter.

Please take up this matter, This matter is of june 2008 and I also give a letter to your AGM office on 5/3/2009.



Dileep Jain
[protected]


[protected] Forwarded message[protected]
From: dgm.[protected]@sbi.co.in <dgm.[protected]@sbi.co.in>
Date: Apr 1, 2009 9:34 PM
Subject: Re: Fwd: TAKEN INSURANCE BY OUR BANK(SBBJ,K.P.BZR, JAIPUR) ON OUR C/C ACCOUNT [protected] - ABHINAV TRADERS
To: [protected]@gmail.com


- Hide quoted text -
Dear sir,

Please take up the issue with the grievances cell of SBBJ

Thanks

CSD SBI CC MUMBAI

-----Dileep Jain <[protected]@gmail.com> wrote: -----


- Hide quoted text -
To: chairmansbi.[protected]@sbi.co.in

From: Dileep Jain <[protected]@gmail.com>

Date: 04/01/2009 04:13PM
Subject: Fwd: TAKEN INSURANCE BY OUR BANK(SBBJ,K.P.BZR, JAIPUR) ON OUR C/C ACCOUNT [protected] - ABHINAV TRADERS




- Hide quoted text -
[protected] Forwarded message[protected]
From: Dileep Jain < [protected]@gmail.com >

Date: Fri, Mar 27, 2009 at 7:12 PM
Subject: TAKEN INSURANCE BY OUR BANK(SBBJ,K.P.BZR, JAIPUR) ON OUR C/C ACCOUNT [protected] - ABHINAV TRADERS
To: chairmansbi.[protected]@sbi.co.in
Cc: [protected]@sbbj.co.in



- Hide quoted text -
THE CHAIRMAN,
STATE BANK OF INDIA
MUMBAI,

DEAR SIR,

I HAVE A C/C ACCOUNT WITH SBBJ, KISHAN POL BAZAR, JAIPUR IN NAME OF ABHINAV TRADERS A/C NO. [protected] WITH LIMIT 36 LAC.

BANK TAKES INSURANCE FOR ANY LOSS TO THE CUSTOMERS WILL BE MEET OUT BY INSURANCE POLICY AND CUSTOMER IS ALSO SAFE BY UNEXPECTED LOSS . AND CUSTOMER IS ALSO IN THIS IMPRESSION THAT HE IS SAFE,MY BANK HAS TAKEN INSURANCE ,(BUT BOTH ARE UNSAFE ) I ALSO GIVEN A DETAILED LETTER TO OUR AGM- SBBJ, SAROJANI MARG,C-SCHEME,JAIPUR ON 5/3/2009 BUT TILL DATE I HAVE NO REPLY OR PROGRESS ABOUT THAT.

3 INSURANCE POLICIES TAKEN BY OUR BANK WITH NATIONAL INSURANCE CO. LTD. MAHESH NAGAR, JAIPUR ON 3/2/2008 IN WHICH 2 ARE OF 20 LACS EACH 1 ST ON OUR SHOP ADDRESS - 1459, SANGHI JI KA RASTA & 2 ND IS ON OUR FACTORY CUM GODOWN – 956, BARKAT NAGAR, JAIPUR. AND 3 RD IS OF 80 LACS ON THE PROPERTY.
- Hide quoted text -

ON 17/6/2008 WATER ENTERED IN OUR GODOWN AND A LOSS 11.57 LAC OF GOODS IN OUR GODOWN.
BANK TAKEN INSURANCE POLICIES FOR THE INTEREST OF BANK AND CUSTOMER BOTH OR ONLY FOR FULFILL AUDIT OBJECTIONS AND DEBIT PREMIUM IN OUR A/C . BANK IS SAFE BECAUSE THEY HAVE A CHARGE ON PROPERTY OF ABOUT 2 CRORE AND WHAT ABOUT THE CUSTOMER ?

I AM UNDERSTANDING THAT I AM SAFE BANK HAVE TAKEN INSURANCE POLICY FOR ANY KIND OF LOSS IN OUR BUSINESS PREMISES BUT WHEN I GO FOR INTIMATION TO BANK & INSURANCE , THERE IS NO POLICY WITH THE BANK AND WHEN I CONTACT TO THE NATIONAL INSURANCE CO. LTD. FOR INTIMATION ONLY ON BEHALF OF POLICY NO. ON 18/6/2008 AND GIVE INTIMATION OF THE LOSS IN OUR GODOWN.

I RECEIVED A LETTER FROM INSURANCE CO. DT. 23/6/2008, THAT YOU LODGED DAMAGES ARE IN YOUR GODOWN HENCE AS PER POLICY TERMS& CONDITIONS ABOVE SAID LOSS DOES NOT FALL UNDER POLICY TERMS & CONDITIONS.

THEY ISSUE BOTH THE POLICIES UNDER SHOPKEEPERS POLICY WHEN ONE OF IS OUR FACTORY CUM GODOWN. I HAVE NEVER FILLED ANY PROPOSAL FORM, BANK IS FILLING IT IF ANY.
AFTER RECEIVING LETTER FROM INSURANCE CO. I ASK MY BRANCH FOR INSURANCE POLICY BUT THEY DON’T HAVE. THEY CALL SO MANY TIME TO THE CO. BUT THEY HAVE NOT SEND POLICIES.FROM LAST 8 YEARS BANK NEVER ASK US FOR PROPOSAL FORM AND NOT GIVE ANY INSURANCE POLICIES TO US.

THEN I CONTACT WITH NATIONAL INSURANCE CO. LTD. H.O. CHAIRMAN CELL .I TALK WITH MR. M.C.AGRAWAL CHIEF MANAGER &CPIP.CRM DEPT. KOLKOTTA ON 23/9/2008 AND HE TAKE UP THE MATTER AND GIVE REPLY THROUGH MAIL AND ALSO CALL TO MR. SUBODH KUMARSWAMMY SRM, JAIPUR , MRS. SHALLY PATNAIK . BUT NOTHING HAPPEN IN THIS PERIOD THEN AFTER ON 4/11/2008 THEY HAVE OFFICIALLY LODGED COMPLAINT NO. HO:CRMD:JRO:[protected]/243:G DT. 4/11/2008 (AFTER PASSING 5 MONTHS). THEN ON 5/11/2008 INSURANCE CO. IS APPOINT SURVEYOR AND HE VISITED OUR PREMISES AND TAKEN PICTURES ETC AFTER 5 MONTHS, AND HE DEMANDED PAPERS I.E. B/S OF 2 YEARS AUDITED PROVISIONAL TRADING A/C BANK LOAN SANCTION LETTER STOCK STATEMENT OF LAST 12 MONTHS PAN & TAX AUDIT REPORT.

I HAVE PROVIDED HIM 2006-07&2007-08 AUDITED BALANCE SHEET WITH ALL ANNEXTURES,TAX AUDIT REPORTS, BANK SANCTION LETTER,STOCK STATEMENT - BANK'S COPY, SALES TAX REGISTRASION CERTIFICATE, SHOP ACT CERTIFICATE, BANK STATEMENT FOR THE YEARAND PAPER CUTTING OF DAINIK BHASKAR OF 17/6/2008, RENT RECEIPT.

I AM CONTECTING FROM LAST 10 MONTHS TO NATIONAL INSURANCE CO.'S OFFICIALS (MR. M.C. AGRAWAL & MR. N.N.CHODHARY OF KOLKOTTA,H.O. MR.SUBODH KUMARSWAMMY SRM,JRO MR. HUSAIN SRM JRO, MRS.SHAILY PATNAIK,MR. R.K.VIJAY A.O. JRO,JAIPUR, MRS.DATTA SDM , MR. ARINDAM GUPTA DM, DO JAIPURBUT THEY ALL SAYING WE ARE LOOKING THE MATTER.AND THEY ARE LOKKING FROM LAST 5 MONTHS AND TOTAL 10 MONTHS.

IF YOU NEED ANY PAPERS RELATED TO THIS MATTER I CAN ALSO SEND YOU DIRECTLY.
I WANT CLAIM , WEATHER GIVE IT BY INSURANCE CO. OR BANK .
I AM INSURING FROM LAST 14 YEARS AND NO NEED TO ME FOR LODGING CLAIM AND I PAID TOTAL ABOUT 2.5-3 LACS IN LAST 14 YEARS IF I DEPOSIT THIS AMOUNT IN ANY BANK THIS AMOUNT WOULD BE 15-20 LACS AND LESS THAN THIS LOSS.

SO I REQUEST YOU TO TAKE UP THIS MATTER OF YOUR ASSOCIATE BANK.
WITH KIND REGARDS
FOR ABHINAV TRADERS
DILEEP JAIN
[protected]

3 attachments — Download all attachments
Bank's GM(O)&BM Letters.pdf
1649K View Download
Letter of MD (SBI), Mumbai.pdf
459K View Download
DB CUTTING.pdf
848K View Download
SBBJ BANK

[protected]@sbi.co.in

ccmdge.[protected]@sbi.co.in,
t.[protected]@sbi.co.in

dateSat, Apr 30, 2011 at 1:05 PM
subjectAbhinav Traders, Jaipur claim with National Insurance through SBBJ, Jaipur
mailed-bygmail.com

hide details Apr 30 (1 day ago)


Sir,

You have seen what procudure they have followed without proposal,cover-note/Policy & when claim arise then their branch manager write for policy which co. sent them after 6 months & Bank saying that they have taken comprihensive policy, what is the meaning of comprihensive & they also write in their sention letter (Insurance of stocks against all prescribed risks - COMPRIHENSIVE). What instrastions/steps taken by you in this 2 year period & IRDA also issue show cause notice to Chairman, SBBJ in this matter.

Please take up this matter on urgent basis.
I call to Mr. Gopalan & Mr. J P Singh in the matter but they told that calling back but call back till date
I also send RTI application to your corporate office before 2 months but I also not received any reply/copy of whole file including reply of SBBJ.

Dileep Jain
Abhinav Traders
Jaipur


[protected] Forwarded message[protected]
From: Dileep Jain <[protected]@gmail.com>

Date: Tue, Mar 22, 2011 at 12:03 PM
Subject: Abhinav Traders, Jaipur claim with National Insurance through SBBJ, Jaipur

- Hide quoted text -
To: Mrs Yegnapriya Bharath <[protected]@irda.gov.in>
Cc: "Mr. K Sriniwasan" <k.[protected]@irda.gov.in>


Madam


This reply given by M.D.Asso. SBI Mumbai, office.


With Kind Regards

Dileep Jain




On Wed, Dec 8, 2010 at 5:31 PM, <t.[protected]@sbi.co.in> wrote:

Dear shri Jain,

with ref to your e-mail dated 7th Nov 2010, we had again advised SBBJ to carry out another investigation into the matter. We have now been informed by them that they have got the matter investigated again and have concluded that all laid down systems and procedures have been followed by the bank.
We trust that the matter stands clarified
yours faithfully,


GM (A&S)
Corporate Centre
State Bank of India



Sir,

I send you letters of National & Bank both in National letter of 23/6/2008 (also with you) they have reputed claim & also not conduct survey, in which clearly mention that Shopkeepers Policy taken by bank & loss in your godown,not payable under this policy T&C.
Bank also write in their letter dt.25/9/2010 that taken shopkeepers comprihencive policy( it means cover all risks) but Insurance co. said not cover but why, If Bank saying, policy duly taken by Bank to safegaurd Banks & our interest but where interest saved.
You are agree with this type of Bank's onesided reply.
I send you the whole correspondence of IRDA, MOF,New Delhi, DPG, New Delhi, Bank.
When National appoint surveyoer after 6 months after inferance of MOF,IRDA.& then after 19 months, they are saying not cover under the policy T&C.
Procudure followed by bank & Insurance Co. is mention below In which from Ist to last step not followed by both of them.
Proposal form No
Prospectus No
Cover note No
Policy No
Terms & Conditions No
Premium collected Yes
Proposal form copy send to the insurer - No
Surveyor appoint after loss(Ist Hand) - No.
Reject claim on the basis of T&C which they are not providing - Yes
How this matter clearified I am not understanding,
Please send me copies of reply which send by SBBJ to you.
You just look in to the matter again.

With Kind Regards

Dileep Jain
Abhinav Traders, Jaipur

-----Dileep Jain wrote: -----
To: t.[protected]@sbi.co.in

From: Dileep Jain <[protected]@gmail.com>

Date: 11/07/2010 12:34PM
cc: mdge.[protected]@sbi.co.in

Subject: Abhinav Traders, Jaipur claim with National Insurance through SBBJ, Jaipur




Sir,


I talk with you on 17th oct., then you told that I received your mail & we will see it & then talk with SBBJ or comment on the matter. I try 3-4 time to contact with you but unable to contact. In that mail I send you letter of Sbbj of 25/8/2010 & letter of National Insurance for repudiation of claim 23/6/2008, you just see both letters, the matter will be clear.


With Kind Regards


Dileep Jain
Abhinav Traders, Jaipur


[protected] Forwarded message[protected]
From: Dileep Jain <[protected]@gmail.com>

Date: Sat, Oct 16, 2010 at 12:56 PM
Subject: Abhinav Traders, Jaipur claim with National Insurance through SBBJ, Jaipur
To: mdge.[protected]@sbi.co.in
Cc: t.[protected]@sbi.co.in



Respected Sir,

This letter with ref. to your letter No. SBD/VMN/2500 Dt. 11/10/2010, as you told that meet to CGM,SBBJ, Jaipur , I meet her on 14th Oct.,2010 But they have no answer in this matter, I brief her the matter then they told all the faults was insurance company level when bank is a agent of that co. & taking commission on the whole collected premium. The insurance company was saying in reply to DPG, New Delhi (letter dt.18/8/2010 Ref DPG/I/2009/00085) that Bank incidentally corporate agent of the co. at the time, on behalf of insured complainant,As per practice, all the operating offices are supposed to send a computer generated sheet/schedule together with relevant policy terms & conditions immediately after acceptance of insurance to the bank/insured and in this case 2 policy send to the banker, but policy was not send to the bank by the co.at that time if yes where was the policies, why bank don't ask to the co., what is the fact & terms & conditions was so far because all the policies laying with bank are without T&C till date also Bank only debit the account of the customer & send money to insurance co. & take their commission and after that what happen they don't any concern.
Procedure of Insurance to go threw by Insurance co. & their Agents :


Proposal form No
Prospectus No
Cover note No
Policy No
Terms & Conditions No
Premium collected Yes
Proposal form copy send to the insurer - No
Surveyor appoint after loss(Ist Hand) - No.
Reject claim on the basis of T&C which they are not providing - Yes
This is the system of the bank to safeguard Bank's & their customers interest.
I am also attach IRDA Regulations
I also meet in this matter to Banking Ombudsman Mr. P. Vijay Kumar first they told that go to IRDA in this matter as we write letter to you earlier but when I brief them then he told that how it is possible and they have decided to reopen this type of sensitive case & also told why bank submitting wrong facts to their office.




I also received a letter from GM (O) No. CGRD/2709 Dt.25/8/2010 in that letter they are saying:
1. The insurance policy taken by Bank to safeguard as well as the bank & us, but both interest have not saved by this policy.
2. They write that Comprehensive Shopkeepers Policy was taken by the bank when bank had taken shopkeepers fire policy on my godown you just see the letter of Insurance co. of 23/6/2008 (Page 1 in attachment-1) they have first repudiate the claim due to this only & only the reason that they have not appoint surveyor for this. What is the meaning of the comprehensive Policy, you better know (all risks cover) . When in March 2008 internal, concurrent & statutory, auditor make audit what they have seen when policies are not available then they mention in audit report or not.
3. When the comprehensive policy how they Deny for any kind of loss, when they take more premium on shopkeepers policy than godown policy (Higher Rate) & which DPG letter reference they are giving the DPG call National to his Delhi Office on 27/8/2010& when she don’t satisfied from them then they forward the whole file to Ministry of Legal Affairs for expert comments.
4. The insurance co. send letter of 17/3/2010 to bank, IRDA & Ministry of Finance ut they have not send letter to us when I meet to their DGM then they send letter to me on 18/5/2010 (Duplicate)

(i)How bank saying that they have taken correct policy if they take correct policy no question arise in the matter.
(ii)They are saying delay in receiving policy was not a material reason If in time policy serviced by insurance co. & bank, we all in position to take action accordingly, this was also came in to notice that as per our corporate agreement the insurance co. also send a copy of policy to the customer but there is no practice in bank as well insurance co to service policy to the customer.
(iii) Bank never try to appoint survey in this matter Ist The IRDA instruct them to appoint surveyor & then DPG, New Delhi & Ministry of Finance (Banking & financial services),New Delhi force them.
As they are appreciating their investigating officer Mr. Nagar , the details send by us to in the mail of 8/9/2010 (detail mail attach ). In this period of about 28 months bank’s branch manager, chief manger, SMECC officers & auditors inspect & then write letters to insurance company in this matter & after 28 months bank open their eyes and decide for discreet enquiry after interfere by you what they are doing from this long- long period, what they want to prove , letters written by bank & visit of their officers are no mean or they are not competent. This is also in the notice of bank that our contractor of labour along with all labour had left in Feb.2009 after visiting of Ist surveyor & Ist surveyor meet & enquiry in the matter,
This is the position appraised by CGM, SBBJ (Mrs. Menon).
Now you will attachment 1 where all scan soft copies available, then see & take necessary steps in the matter.
With Kind Regards
Dileep Jain
ABHINAV TRADERS, JAIPUR
This is the mail which I send to MD, SBBJ, Jaipur
Mr Supratik Chatterjee <[protected]@sbbj.co.in>

cccmcomplaint <[protected]@sbbj.co.in>,
mdge.[protected]@sbi.co.in

dateSun, Sep 5, 2010 at 7:10 PM
subjectABHINAV TRADERS, JAIPUR - Claim with National Insurance.
mailed-bygmail.com

hide details Sep 5


Sir,


I receive a call from our Ex. Manager that he want to meet so I told him, come any time then he told that we are coming about 3 P.M.


He come to my Factory on 1/09/2010 with auditor Mr. Nagar at that time I was not there. Mr. Nagar directly go to my factory in my absence & make some queries from my labour When I come they are about to go & meet to me at the gate. I told them come inside & take something & when they came inside Mr. Goyal told me that he is Mr. Nagar & auditor of the bank but they have not disclosed why they have come. I told him that If you come as a auditor then note down some facts in your noting about my insurance matter which was pending with the bank so many points discussed with him of the matter but he don't tell me that he have come for the same matter.
When some person was coming for examine/investigate some matter,he will give information or not.
I call to Mr. Mehta (M.D.Sec) & Ms. Chhavi Jain & give it in their notice then Ms. Jain told me send it in writing.


With Kind Regards


Dileep Jain


fromDileep Jain <[protected]@gmail.com>
tomdge.[protected]@sbi.co.in

cccgm.[protected]@sbi.co.in,
Mr Supratik Chatterjee <[protected]@sbbj.co.in>,
cmcomplaint <[protected]@sbbj.co.in>

dateThu, Sep 16, 2010 at 1:50 PM
subjectInsurance matter of Abhinav Traders, Jaipur
mailed-bygmail.com

hide details Sep 16




Dear sir,

.
SBBJ Bank send their officer on 1/9/2010 with their auditor & they come in absence of me & go directly to my works only 3-4 worker are working their & that time my staff was also not avelable, when I come they are about to go (meet on Gate) then I told how you have come & going, come some thing but both of the officers not told me that why they come I am understanding that they have come for the regular audit formalities but then they come inside I told them that also drop in your report about my insurance matter but they don't tell me that time also that they come for the same & they have not ask anything to me. Then next day I know from sources that they come for the insurance matter then I immidiatly inform to PSMD Mr. Mehta & Mrs. Chavvi Jain on 2/9/2010 and also mail to both 5/9/2010 . Both are saying that he will first definatly inform you for the reason & he visit in presence of authorised person. This matter is related to you & he ask all the thing to you & in presemce of you.
Mrs. Jain first told that I don't know that some person send to your office I ask the controler then next day I call her then she told me that he comes from the region. Mrs Chavi Jain told that we inform to the controler about that & let come the report then see.
Now what they want to do this & prove by this way.


With Regards

Dileep Jain