[Resolved]  Tata AIG Life Insurance — Customer service harassment

I have a Life Insurance policy with Tata AIG wherein I am required to pay an annual premium.
As I was eligible to take premium holidays, after discussing with the Tata AIG agent I submitted an application for a premium holiday for the years 2008 and 2009.
Tata AIG accepted the application. However after a few days came back saying that I needed to fill up an application form. This was also complied with ( though I was out of India at that point of time).
After that they cam back saying that the application needs to be only made one month prior to the premium payment date. It was impossible for me to continue communicating with them over such an issue for so long as I was outside India and they charged my bank a/c for the premium due in 2008.
They are continuing to deduct a premium holiday charge of 3% ( instead of the 1.5% which is the charge for cases which give them prior notice) as now I have cancelled the ECS set up with my bank.

My contention is that they should have told me what the proper procedure is in the first go rather than asking multiple applications in different forms. They are also not agreeing to roll back the 3% charge that they are deducting to the 1.5% for the period that they have already charged me with.