[Resolved]  Royal Sundaram Alliance Insurance Company Ltd — Debited Rs.4018 from my account for a new a policy by provided wrong informations about their policies

The Royal Sundaram Alliance Insurance Company Limited authorities contacted me over phone during May 2008 and forced/convenienced me to take health policy for Rs.3999 for my mother after a long call.
For this policy I gave my name as a nominee. After 2 months, one person from Royal sundaram Alliance called me in the month of July 2008 and asked me "Whether you have received a nominee card for your mother's policy???". I siad that "No, didn't receive anything along with my mother's policy". He replied me that, it if free of cost for nominess of Helath insurance subscribers and with this card nominess can get some hospital reimbursement facilities also he told that he will arrange a call their Bangalore Royal sundaram Alliance office for processing nominee card. For this they will ask same questions what they asked while processing yopur mother's card and you should say the same answers (Yes for yes &No for no, as I told already for my mother). Also you need to give the same credit card # and acceptance for deduction the amount form you card. I asked him, why should I say yes to deducted the amount form my card, he replied that this for process free nominee card and if the BOTH the replies (Answer for the questions asked while processing my mother's a/c and current answers) should SYNC to process, otherwise they won't process my nominee card. They will ask the same questions but should not deducted any amount form your card actually. Since I received a call from Royal Sundaram authorites and he told about my mother's policy details accurately (policy name, date of purchase, amount, ...) I trust him. As he told I got a call after 5 minutes from Royal sundaram Bangalore office, they asked the same questions and Ireplied back with same answers (including yes to deduct Rs.4018 from my card). then I forgot this matter, with in a week I received that health card in my name. But today I have recieved my Credit card stament and SHOCKED, Rs.4018 deducted in favour of Royal sundaram Alliance, Bangalore. Immediately I called customer care and explaine everything, they asked the person who called me. I forgot his name since I got his call a month back. So they said that it is difficult (almost not possible) to trace that person since we have lot of branches. I asked them anyhow for each and every policies processed they should give incentivies to that corresponding person. So, please check the person who referred this ploicy. They said it is very very diffcult. So finally I asked them to cancel my policy, and they replied me that they will deduct 15% of the amount for cancellation charages and remain will reach me with in a week.
Why should I loose 15% of Rs.4018 from my pocket??? the real culprit is in Royala Sundaram, they can easily trace by checking the refereed person of my policy bu they said can't. Please any one help/update me about the steps I can take against RSA for this matter. Shall I go to Consumer court?? Please advice.