[Resolved]  Royal Sundaram — Misguidance & NOT refunding my own Money

[protected][protected][protected][protected][protected][protected][protected]---...⇄
I was called by Mr. Sushant from the phone no. [protected].

Yesterday, he called me to sell the Hospital Cash benefit health insurance policy.
I was impressed by the facility told to me at that time among which two of the following information are as below:-
1. The Health Coupon that will be provided to me will cover all tests from any Network Labs of Royan Sundaram.
2. The amount of Rs. 1999/- that will be debited from my HSBC Credit Card will be converted to EMI for 12 months of Rs. 166 each month.


Later on, when the verification call came to me, I was told that :-
1. Only 63 tests can be done using the Health Coupon. So here I was misguided by Mr. Sushant.

On Aug 18, 2011 at 12:38 PM IST, I was called again by Mr. Sushant from the phone no. [protected] saying that the EMI that he talked about yesterday cannot be converted to EMI unless the amount is more than Rs. 3000/-. So here also, I have been misguided by Mr. Sushant.

I need an immediate action against this fraudulent policy with customers.
Moreover, he disconnected the phone, when I was talking with him over phone [protected].
[protected][protected][protected][protected][protected][protected][protected]---...⇄

My Next Message to Royal Sundaramc..........

Hi There,

I am not sure if the documents have been despatched.
I don't have the policy details with me.

The amount of Rs. 1999/- was debited from my HSBC credit Card on 17th August 2011 and I got a call from Royal Sundaram on August 18, 2011 regarding the confirmation of documents being despatched but the call did not end successfully due to the reason as mentioned below in the email.
So I think, the documents might not have been despatched yet.

I would request you to cancel my polciy immediately as I don't want to be related with such an organisation where customers are misguided.
So, please accept my request of the cancellation my policy and refund Rs. 1999/- back to my HSBC Credit Card.

If you need any verification details to process this request further, please let me know.
I want a call from Royal Sundaram for this cancellation process at my phone no. [protected].

I think, you can easily cancel my policy by calling me and verifying my identity as you did during the selling of the policy and debiting Rs. 1999/- from my HSBC Credit Card and you don't need the scanned copy of the amount debited for this cancellation.


[protected][protected][protected][protected][protected][protected][protected]---...⇄

Email From Royal Sundaram:-

Dear Mr. Thakur,

This is with reference to your email dated August 20, 2011

We regret the hardship caused to you and the inconvenience caused to you.

On checking our records, we would like to convey that the policy is yet to be processed and we have forwarded your request for the cancellation of the policy to our internal team and the premium would be refunded to the card in next 10 days.

The feedback has been highlighted to our internal team and we assure that such incident would not reoccur in future.

Please contact us in case of any query or clarification, or if you require further assistance.

Assuring you of our best service always.

Yours sincerely,
Subha Vijayan
Customer Services
Royal Sundaram Alliance Insurance Co. Ltd.

[protected][protected][protected][protected][protected][protected][protected]---...⇄

It's September 05, 2011 but Royal Sundaram has not replied to my email nor any action have been taken to credit back my fund Rs. 1999/- to my HSBC Credit Card account....

When I call customer care they say that they cannot help unless I have policy number. So since the policy has not been issued yet, I have to just email at customer.[protected]@royalsundaram.in.
But even after mailing several times, I don't see any response.

IT TOOK JUST 45 MIN TO DEBIT MY HSBC CREDIT CARD ACCOUNT.............

AND IT IS TAKING MORE THAN 15 DAYS TO REFUND THAT MONEY.......How's INTERESTING!!!!