ICICI Lombard Complaints & Reviews

ICICI Lombard is one hope less and greedy company.

One of my car is old and I was renewing policy with ICICILombard regularly from last 3 years..No claims until now. This year, they are not allowing me to renew, reason they won't mention directly, but my understanding is that the policy premium is low, so they are not interested. They want money and will consider only new vehicles, where premium amount is high.

Even for renewal they are creating so many issues, I don't expect how horrible it will be in case of claims. I request everyone to avoid ICICILombard and go with Govt. agencies like General Insurance etc..

I really don't know whom to contact. Please help.

Reagrds,
GK Gupta
M: [protected]

[protected] Forwarded message[protected]
From: GK Gupta <[protected]@gmail.com>
Date: Thu, Nov 18, 2010 at 6:42 AM
Subject: Fwd: Delivery Status Notification (Failure)
To: [protected]@gicouncil.in
Cc: bhargav.[protected]@icicilombard.com


Dear Mr. Mohan,

The below email got bounced back from email id of Mr. Chander. Hence, I am sending it to your address.

Thanks & regards,
GK Gupta

[protected] Forwarded message[protected]
From: <[protected]@vsnlxchange.com>
Date: Thu, Nov 18, 2010 at 6:30 AM
Subject: Delivery Status Notification (Failure)
To: [protected]@gmail.com


This is an automatically generated Delivery Status Notification.

Delivery to the following recipients failed.

[protected]@irda.gov.in




Final-Recipient: rfc822;[protected]@irda.gov.in
Action: failed
Status: 5.2.2
X-Display-Name: Prabodh Chander



[protected] Forwarded message[protected]
From: GK Gupta <[protected]@gmail.com>
To: [protected]@irda.gov.in
Date: Thu, 18 Nov 2010 06:29:40 +0530
Subject: Fwd: 'ICICILom=[protected]' Interaction ID [protected]
To
Mr.R.Srinivasan,
Officer on Special Duty
Insurance Regulatory and Development Authority
Consumer Affairs Department
United India Tower, 9th floor, 3-5-817/818,
Basheerbagh, Hyderabad – 500 029.

Dear Mr. Srinivasan,

I am struggling to get my refund from ICICI Lombard for more than two years. The details are as below:

Home Loan Number: LBFDB[protected]
1st Policy No. 4065/0000001/ICICI/HL/0017148
2nd Policy No: 4013/0004409/ICICI/HL/0017148
Total Premium Paid: Rs. 1,60,160.00
Policies Start Date: 13-Oct-2006
Home Loan Closed on: 6-Sep-2008
Tenure of Policy: 5 Years
Policies remained effective for 684 Days i.e. 37% of 5 years
Refund awaited: Rs. 100,132.91 i.e. 37% of Rs. 160,160.00

Following are my issues:
1. When I close the loan the Policy discontinue automatically. ICICI Lombard did not send the refund of balance premium.
2. After repetitive follow-ups when I submitted written complaint dated 1-May-09 in their Gurgaon Office at MG Road, I was informed verbally that the premium will be charged until 1-May-09. When I asked them why so when policy benefits were available to me until 6-Sep-08, they had no answer and asked me to mention in the written request which I did.
3. After never ending followup over phone and emails, I was given assurance that they refund has been sent which never reached me.

The pain of never ending follow-up has been much more than the peace of mind for which I had paid Rs. 160,160 to ICICI Lombard.

I seek your intervention in the following:
1. ICICI must pay me Rs. 100,132.91 along with interest @ 18% since 6-Sep-08 until the date of payment to me.
2. ICICI pays me another Rs. 160,160 on account of mental pain caused to me by their harrassment.
3. ICICI is instructed to stop cheating customers by charging them premium for period post closure of the loan post which policy benefits discontinue.

Looking forward to your strong support.

Reagrds,
GK Gupta
M: [protected]

[protected] Forwarded message[protected]
From: GK Gupta <[protected]@gmail.com>
Date: Fri, Oct 29, 2010 at 7:27 AM
Subject: Fwd: 'ICICILom=[protected]' Interaction ID [protected]
To: CustomerSupport <[protected]@icicilombard.com>


Dear Officer,

In my last telecon many days back you had promised to check the status of delivery of refund and the status of cheques apparently issued in my name.

Awaiting your reply.

If you have Most Patient Aggrieved Customer Award, do I qualify for the same?

Regards,
GK Gupta
M: [protected]

[protected] Forwarded message[protected]
From: CustomerSupport <[protected]@icicilombard.com>
Date: Wed, Sep 15, 2010 at 7:52 PM
Subject: RE:'ICICILom=[protected]' Interaction ID [protected]
To: "[protected]@gmail.com" <[protected]@gmail.com>


Dear Customer,
Please do not change the above subject line while replying to this mail or for marking us any mail related to this case.
With reference to our e-mail regarding policy number4065/0000001/ICICI/HL/0017148 and 4013/0004409/ICICI/HL/0017148, we wish to inform you that the refund cheque has been dispatched to you hrough BLUE DART courier. The POD number for the same is [protected]
We request you to kindly acknowledge the receipt of the said documents by replying to this e-mail.
We thank you for your patience and co-operation.
Regards
Afrin Shaikh
Customer Support Team



[protected] Forwarded message[protected]
From: CustomerSupport <[protected]@icicilombard.com>
Date: Fri, Jul 30, 2010 at 8:41 AM
Subject: RE:'ICICILom=[protected]' Fwd: Interaction ID [protected]
To: GK Gupta <[protected]@gmail.com>









Dear Customer,

Thank you for writing to ICICI Lombard General Insurance Company Ltd. This auto-acknowledgement confirms the receipt of your email.

The customer support team will revert to you within 3 working days.

**This interaction is being tracked through the subject line. Please do not change/modify it while reverting to us**

If you have contacted ICICI Lombard earlier in this regard kindly provide us the interaction id to enable us to process your request faster. If you are e-mailing us for the first time, kindly help us with any one of the following details to help us resolve your query.

Policy / Cover-note number
Payment details
Claim no.

Also request you to provide your contact number and complete address with pin code to facilitate our future correspondence with you. Please click here to track your interaction status online.

To ensure that you receive our e-mails, kindly add [protected]@icicilombard.com to your address book.

Regards
Customer Support Team







ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation. IRDA Reg. no. 115. Misc 30






-----Original Message-----
From: GK Gupta [[protected]@gmail.com]
Sent: Friday, Jul 30 2010 8:26AM
To: [protected]@icicilombard.com [[protected]@icicilombard.com]
Cc: [protected]@irda.gov.in [[protected]@irda.gov.in]
Subject: Fwd: Interaction ID [protected]

In reference to the subject Interaction id date Aug-2009, Please share the status of refund of my premium.

Regards,
GK Gupta
M: [protected]



[protected] Forwarded message[protected]
From: <[protected]@icicilombard.com>
Date: Wed, Aug 26, 2009 at 4:45 PM
Subject: Service Request Intimation
To: [protected]@gmail.com




Dear Customer,


NOTE : This is a system generated mail. Please do not reply back to this email ID.

We are in receipt of your query and the same is under process. The following interaction ID has been generated as per your request.

Interaction ID [protected]
Kindly quote the given interaction ID for all your future communications in respect to the matter.
'Click here' to track the status of your interaction ID given above.

Warm Regards
Team ICICI Lombard.




Registered Office: ICICI Lombard General Insurance Company Ltd. ICICI Bank Towers, Bandra Kurla Complex, Mumbai - 51.
Mailing Address: ICICI Lombard General Insurance Company Ltd.402/B,Interface Bldg.No.11,Link Rd. Malad (W), Mumbai-400064.



ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of the solicitation.IRDA Reg. No.115









The information contained in this electronic message and any attachments to this message are intended for the exclusive use of the addressee(s) and may contain proprietary, confidential or privileged information. If you are not the intended recipient, you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately and destroy all copies of this message and any attachments contained in it.

ICICI Lombard claim department stated that the claim cannot be settled since I have lost the original bills.
I want to argue on the following grounds
• Whether my claim is a fraudulent claim? • Whether my luggage was never delayed?

Name of Insured Person: DARSHAN BABEL
Policy No: 4030/2939378/00/000
Claim Reference: M008749.49
Type of Claim: Baggage Delay

On 19th November, I met with a small accident by jumping on to a road divider, while saving a sudden appearance of a bullock cart on Rama Road opp. SBI Najafgarh Road Branch, due to which my car got damaged underneath.
I was surprised to learn from the surveyor that the claim was not entertain able as he was not supposed to entertain any claim if the damaged part or its connected portions were corroded.
In spite of my explanation,...

I had applied for refund of provident fund from 7 months i have not got any information about the status of the same.As long duration has been passed, please provide the details about my provident fund as soon as possible. I tried to call HR dept several times to provide the details about my provident fund but HR did not respond to any of them. Please do the needful.

I have taken my policy with ICICI lombard for my bike TVS apache, policy # 3005/[protected]/b/[protected], at the time of taking policy the agent never asked me whether i had made any claims in my previous policy or not & gave me NCB - 25 %, which is Rs 197/-, which i came to know just now when i asked for a claim. As i met an accident, i filed a claim (#MOT[protected], an agent with name Mr.Rajashekar visited the showroom & asked all docs & asked whether i made any claims for which i answered " Yes". He took the estimate, which came around Rs 5000/- odd and ticked & signed on it. But he infd while going there may be some problem with the NCB, which i had taken. I thought this might be a minot issue and they may ask to pay it and revise my policy, istead he called me & says this claim cannot be processed for this reason & asked to pay the NCB to reinstate the policy. This was never expected from a company having a nationwide reputation. I informed him that this was never my mistake as agent never asked me or i could have paid it. For which he said, he will confirm from regional head & again called me & said, yes it can be processed but will confirm after forwarding the mail to them. It has been 5 days till date. My claim was made on 25th Feb, since then i have been making endless calls & answer remains same. I did not get any revert. When i call to customer care [protected] for complaining they dont have any complaint desk, they provided some managers # (girish & some other person). I spoke to him & says this is invalid policy. So, is it responsibility of company to verify it before giving policy or mine whether the person had made claim or not. "ICICI LOMBARD IS MAKING REASONS TO ESCAPE THE CLAIM CHARGES"

Dear sir,

POLICY 4041/555373/00/000

As per the your email informing to send the claim form to your hyderbad office as mentioned below by you.
I have sent the form duly filled and signed along all the original documents,
thru SKYNET COURIER RECEIPT NO.[protected] DATE 05/07/2010
Please acknowledge after receipt of this courier documents. Kindly process my claim at the earliest and send the payment to the address mentioned in the document covering letter.


I have sent my request for claim by courier on 5/7/2010 and after following i understand it is underprocess but when i i spoke to your customer service on Nov 2010 informed me that the case is closed who have now reqistered new complaint ref 6388533
pl ack receipt and let me know the status of my claim

Now I received a suprising email as below
With reference to your e-mail regarding policy number 4041/555373/00/000, we request you to kindly submit documents mentioned below.

Provide final hospital bill of Rs.3899/-
x-ray report for Rs.100//-
Passport copy

Kindly submit above mentioned document to address mentioned below and also refer the letter attached with this e-mail.

Vrushali Zope
Claims Manager
ICICI Lombard General Insurance Company Ltd.
4th Floor, Interface –11,
Office No. 401 & 402 ,
New Linking Road,
Malad (W)
Mumbai – 400 064

PLEASE NOTE THAT I HAVE SUBMITTED ALL THE ORIGINAL DOCUMENTS PLEASE EXPEDIATE CLAIM AT THE EARLIEST
THANKING YOU SHRISHAIL TUNGAL

Rejection of genuine & valid claim of Indian Rupees 20,000/- filed directly with ICICILombard - Hyderabad on 28/10/2010 by the policy holder (policy no: 4034i/chc/05116166/00/000 valid from 28/01/2010 to 27/01/2011) Chandubhai Parmar has been outrightly rejected on 22/11/2010 (reference no:[protected] without stating any reasons whatsoever despite provision of all requisite doctors/pharmacy & pathological reports. WHY ? please state clear reasons in writing through registered post at policy holder's underneath address within 15 days from this transmission to discourage the policy holder from refering this rejection to the right authority (read court) in/at Vadodara for adjudication.

CHANDUBHAI PARMAR
mobile no : [protected]
B-7 MBC DAS Residency,
near St. Joseph School, Nava Yard,
old Chhani Road, Vadodara 390 002 (Gujarat State)

I lodge motor theft claim No.MOT01438530 on 9.2.10 with icici lombard. In the due course i submitted all the documents including untrace report from police/court in the month of june. but despite passing more than 9 month my claim pending on filmsy ground that I am reveraling the information related to one key which i never received from toyota dealer at the time of purchase on 14.5.05. I submitted a affidavit in this regard but so far No action.

Dear Sir,

This is informed you that I was miserable accidented on 31 Jan 2010.I
lodged an F.I.R regarding this accident at madhu vihar police station
My bike No. DL-4S-BM-5654 was damaged due to rash driving by TOYATA
FORTUNER. My bike is insured by Icici Lombard policy No.
. my clam number mot016620 13 and clame date
is 26/july 2010.
I gave my bike for repair at singhala auto mobile, Mayapuri new Delhi 110064.
After service they give me bill amount about 3000. I paid the bill
but icici Lombard not give me the clamed amount. In-between I talk to
alots of customer care executive but the r unable to return my clamed
amount.MR VARUN superviser assure me that I will recive my cheq in 5
days but it past more than 2 month.
IF YOU NEED ANY TYPE OF CLERIFICATION OR DOCUMENT I WILL PROVIDE TO YOU.

Plz help me…….


Regards,
LALIT VIJAY
[protected]

I have a mediclaim policy from icici lombard,policy no4034i/chi/05025099/00/000. my insured amount is 300000+300000+90000.Recently my wife had an knee operationand the bill came to 260,000 rupees.I submitted the reimbursement form duly filled with 79 original document supplied by the hospital including all the medicine bills suppliid by the peerless hospital kolkata, including the knee trans plant sticker. Which they agreed as recieved vide cl[protected] and my claim no[protected]. Now they are saying that I have not sent them the hospital bill, inhouse medicine bill and the knee trans plant sticker. Which is absolute lie,those 79 documents were not white papers.So I requested them to give back my documents ,so thst I can show them all the document personally one by one.For which there is no reply. Idid not know that they are such cheats ,for five years they have taken my money, If anybody can help me please contact me at [protected]@wallem.com. Thanks

Please find below my details in below :
1. Home Safe Plus - Secure Mind Policy no : 4065/ICICI-HSP/1936576/00/000
2. Home Safe Plus – Home Insurance Policy no : 4013/ICICI-HSP/273332/00/000

Both the above policy forcefully aligned with my old Home Loan Account no : LBCAL[protected] by their Executive Mr. Subhojit ( # [protected] ) to complete his monthly target. Which has been closed on 19.02.10 by ICICI Bank Home loan division to reduced the interest rate and transferred the total dues in a new Home Loan Account no : LBCAL[protected] with new interest rate.

Their so called friendly and helpful Executive Mr. Subhojit told me that the policy will automatically align with the new home loan within a month after issue the new loan, but nothing happened till date. And Mr. Subhojit not answering my call any more as all the insurance agent of their organization does,those who are selling their product with false commitment and only to achieve their / your targets.
I want my policy should align with my new homa loan account or refund my premium ASAP.

Dear Sir/Madam,
I have a health insurance with policy number 4034I/FFH/W-1193875/01/000 on the name of my mother. She was admitted to a hospital (Ludhiana Mediciti) in connection with heart attack.

In spite of sending all the document sought by ICICI Lombard people they have not settled the claim so far. On 09/10/2010 they received the query reply and as per their rule they take 10 working day from then. I made several complaints for this starting on 25/10/2010. All the times, i was given only false promises. On 01/11/2010 i talked to the floor supervisor Mr. Ratish and he promised me that my claim would be settled by 04/11/2010 or else he would personally call me. But as usual no one called me up.

When today i called them, they again asked for some more time. I’m completely exhausted and frustrated calling them time and again.
Please look in to the matter and do the needful.

Regards

Jay Sharma

I had bought a car insurance from ICICI Lombard Motor Insurance on 31 Oct 2009 which is about to expire on 30 Oct 2010. When I approached the insurance agent to renew the policy, I am told that the policy is already cancelled. I do not understand that when I have made the full payment how can my policy be cancelled. Can I be given any help. My policy was bought from Tanya Automobiles, Meerut (mob nos [protected])

Thanks
Sanjay Mohla

dear sir/madam
i G.PRASAD RAO working in M4 vertical in bhubaneswar branch under s.k.nayak (SM). due to my irresponsibility i had lost my salaryslip from which i need my pf number, though i have no proof with me. so please help me out by giving my PF numben.Thanking you

Yours faithfully
G.PRASAD RAO
#[protected]

Hello,
My Name is ashish Upadhyay. i have purchased online Travel policy for my mom on 22nd september through ICICI Lombard Website. But as usual, Transection was not succesful due to ICICI lombard website traffic jam. Amount of Rs. 1306 was debited from my ICICI bank account. but i never got policy since transection was unsuccesful. but till date amount is not revert back to my icici bank account.

i have contacted verbally and by email to icici lombard for number of times. but till date i am not getting any response and everytime customer care person is talking rudely.

my service request number for ICICI lombard customer care is[protected].
please help me to get my money back to my account.

thanking you and hoping to get help soon.

Regards,
Ashish Upadhyay

SERVICE REQUEST NO.[protected].POLICY NO.4034i/HIR/04826159/00/000.
I DONT UNDERSTAND THAT IS MY ISSUE SO COMPLICATED THAT THERE IS NO REVERT FROM ICICI . IT SEEMS THE SO CALLED TEAM LEADER-RAJU IS THE BUSIEST MAN ON THE EARTH WITH THE BURDEN OF WORK FROM ICICI THAT HE DOESNT HAVE TIME TO ATTEND THE CALLS, PIK UP THE CALLS. I DONOT EXPECT A CALL BACK FROM SUCH PERSON. BUT THE CALL CENTER PEOPLE HAVE NO INFORMATION. TEAM LEADERS ARE NOT INTERESTED TO SOLVE THE ISSUES.
I TRIED MAILING EVEN TO Ms. Preeti Lochan, Manager - Service Quality,Mr. Vishwa Vijay S. , National Manager- Process Excellence Group,Mr. Eswaranatarajan, Head - Operations.
BUT IN VAIN. I AM NOT ABLE TO UNDERSTAND HOW THE COMPANY MANAGES TO GET "ICRA (an Associate of Moody's Investors Service) has assigned an iAAA (pronounced I triple A) rating indicating highest claims paying ability to ICICI Lombard General Insurance Company Limited. The rating indicates a fundamentally strong position."
EVEN TOP MGMT PEOPLE ARE NOT BOTHERED. WE ARE SIMPLY GIVEN SERVICE REQUEST NOS. WHEN WE CALL & INTERACTION ID'S WHEN WE MAIL. BUT OF NO USE.
WHEN WE TRY CHECKING ON YOUR SITE, THERE IS NO UPDATE REGARDING MY CLAIM.

WHEN IS POST AN INQUIRY FOR NEW POLICY I GET 4-5 CALLS/PER DAY, THE VERY NEXT DAY. WHAT SHOULD I CONCLUDE????

IS THIS THE WAY ICICI LOMBARD FUNCTIONS
CHINTAN-[protected]

Dear Sir,
I am a holder of ICICI lombard health Insurance Policy No. 4016/0003641/01/000. I was suffering from some breathing problems for last five-six months. Finally, doctors told me that this problem is happening due to 'Deviated Nasal Septum' and the only treatment for this is septoplasty. Then I apply for cashless facility but the company denied saying that Septoplasty is not covered under this policy.

Although, I seen in many ICICI policy itself "Deviated Nasal Septum" is under pre-existing diseases category, which is well covered after completion of two years of policy. ICICI is treating Septoplasty as a separate disease, as it is not a disease but a treatment for DNS.

Now I have done the surgery on my own expenses.

Therefore, let me advice for further steps.

Anticipating your necessary action in this regards at the earliest.

Thanks and regards.

TARA DATT

Dear Sir,
I just agai forward this complain that my pf amount yat not transfer in my account. and before two day ago i have writeen complain regarding pf and same day i receive on message of teamleae that pf amount2247transfer in my acoount but dont receive me.
so plz immdeatily contact me regarding my pf and mount also less

company name-ICICI LOMBARD GIC LTD
KRISHNA SHARMA D/O SANTOSH SHARMA
ID-409613
PF NO-kn/35224/330294
[protected]

There are three medi claim of Rs85920/-(Accidental:25506 Pregnancy:42813 Child:17601) which are pending since May’08 & July’08 respectively with ICICI Lombard general insurance. There was a corporate health policy being taken by my company Virgin Mobile India from ICICI Lombard under that I had submitted my claim to my company which were given to Raksha TPA for reimbursement & till date the reimbursement has not been made.



Earlier the same was being followed with Mr Dhiraj Sharma of ICICI Lombard N.Delhi & as per his requirement had furnished the below additional required documents needed by him :



Date: 24th June’08

Ankit Tiwari - LV0251VIRM

Query: treating doctors certificate mentioning the date, mechanism of injury, MLC/FIR copy, h/o alchol intake at the time of injury., original discharge summary, original hosp. bill with break-up, all original investigation reports with x-ray films.



Late on follow-up with my company came to know that Mr Dheeraj has resigned & same has gone into pending since then.


In addition to that on 27th June’09 got the mail from my company to submit below docs which were required by ICICI Lombard for clearing my claim, had provided the required docs on 30th July’09 & the same was submitted at ICICI lombard end also but still the claim is not settled.


Ankit Tiwari
Wife
LV0251VIRM
Original main hospital bill with break up. as per our data patient name is shraoh tiwari, while as per claim papers are sharda tiwari, kindly clarify by treating doctor certificate.

Ankit Tiwari
Self
LV0251VIRM
Copy of mlc. medicine used during hospitalisation.


Aside to this the claim of child Rs17601/- which was submitted on 16th July was processed after an year on 20th Jul’09 but neither my company nor I have received the cheque.



Was provided Email of ID of below ICICI Lombard employees by my company but they are not replying to my mail sent to them :



Sachin.[protected]@icicilombard.com, 'utkarsh.[protected]@icicilombard.com', 'kunal.[protected]@icicilombard.com'



Kindly help in getting my mediclaim amount reimbursed as it’s been 2years & I am in dire need of the same.



Also the accident has led to partial disability in my left leg & back bone, have been spending spending huge amount of money on the treatment of the same.



Aside to this do not issue any notice/mail to my employer Virgin Mobile as this can come down to my Job.



Details Of Policy:

Policy No : 4016/0002591

ID Number: LV0251VIRM

Company: Virgin Mobile India

Insurance: ICICI General Insurance

TPA: Raksha TPA



Details Of Pending Medicalim:



1> Ankit Tiwari

Claim No.
[protected]

Memberid
LV0251VIRM

Unique Policy Number
4016/0002591

Insured Name
Ankit Tiwari

Patient Name
Ankit Tiwari

Relation
Self

Admission Date/ Discharge Date
30-mar-2008 / 03-apr-2008

For the Treatment of
RTA

Hospital Name
Bombay Hospital - null

Claim Received Date
09-MAY-2008

Claim Amount
Rs. 25506/-


2> Shradha Tiwari

Claim No.
[protected]

Memberid
LV0251VIRM

Unique Policy Number
4016/0002591

Insured Name
Ankit Tiwari

Patient Name
Shraoh Tiwari

Relation
Wife

Admission Date/ Discharge Date
27-mar-2008 / 02-apr-2008

For the Treatment of
FTP

Hospital Name
Bombay Hospital - null

Claim Received Date
09-MAY-2008

Claim Amount
Rs. 42813/-




Cheque Not Received Case:



Claim No.
[protected]

Memberid
LV0251VIRM

Unique Policy Number
4016/0002591

Insured Name
Ankit Tiwari

Patient Name
Arush Tiwari

Relation
Son

Admission Date/ Discharge Date
14-jun-2008 / 18-jun-2008

For the Treatment of
BRONCHOPNEUMONIA

Hospital Name
Bombay Hospital - null

Claim Received Date
16-JUL-2008

Claim Amount
Rs. 17601/-

Document Check List

Claim Processing Date

Cheque No./ Amount
326574 / 14609

Deduction:
RS.1077/- BILL NOT RECEIVED.,RS.1090/- NAPPI PAD, MASK, INFUSION PUMP, DIETICIANS, TRANSPORTATION, REGISTRATION,RS.825/- BACTEC ANTIBIOTIC REPORT NOT ATTACHED,

Despatch Date/Courier Name (Latest Despatch Details)
20-JUL-2009 First Flight Couriers(Cheque)


Regards..

Aankit Tiwari

Call-[protected]