ICICI Lombard Complaints & Reviews

Respected Sir,
I have purchase a icici lombard genereal insurance product helath insurance but send a policy only accidental death cover policy.I call on 20/11/2007, executive and talk please cancelled my policy as soon as possible.and apply cancellation application my id no is:[protected].but every month amount debited in my (Rs10633/-every months Rs945/-)icici credit card no:[protected].I call every month icici customer care department and they give me every month id no.20/11/2007 ([protected]), 14/12/2007([protected]), 9/1/[protected], 22/1/2008([protected]), 5/2/[protected], 10/5/[protected]...then i call on 15/3/2008, and talking with Mr.Imran, he give me complain no : 2570905, and he say me send us credit card statement of copy and refund my money but icici lombard refund only 4430/ on april 2008, I apply for the complain please refund my RS.6203/- as soon as possible.my detail is given below.
Name : Manohar bhagwandas Madhwani,
con No : +91 [protected], +[protected].
Address : A/4, Rajlaxmi Park, Behind Exice chowky, saijpur bogha, Ahmedabad-382345.

I had received a letter from ICICI Lombard in the month of Jan/Feb 08 which stated that my policy has been canceled and that I would be refunded the balance amount shortly. I had spoken to Mr. Rajesh Kumar (Senior of Mr. Rajeev Kalra, the field inspector/officer) at that time and was assured that he would look into the matter personally as there were some ambiguous issues which led to my policy being canceled and they needed his immediate attention.
The issue which led to my policy being canceled is as follows:

"Excessive claims taken by me for my car in the year 07/08 led to the policy being canceled."

I wish to bring it to notice that there were incidents where their staff (Mr. Rajeev Kalra ) had given approval for work to the Bodyshop at Southcity Ford, Noida through multiple claims for a single accident without discussing the matter with me. I became aware of this issue, only when I was provided a copy of the bills at the time of picking up my car from the service center/bodyshop. The same matter was informed to Mr. Rajesh and he had promised to sort it out for me.


Further to my discussions with Mr. Rajesh I did not receive any refund cheque till date which led me to believe that the matter has been resolved at his end and that my policy has not been canceled.


My car suffered some damages recently and due to this fact I got in touch with Mr. Rajesh to understand how to proceed with the insurance claims keeping in mind the previous incidents. He informed me that somebody from his staff would call me to understand my problems and would help me sort them out asap. Mr. Rajeev called me as promised and understood the issues from me in detail and informed me that he would get back to me shortly.

Almost two weeks passed by and I tried getting in touch with Mr. Rajesh but he did not attend my calls and ignored my text messages as well. I called him from my office land line number and incidentally he attended the call. He told me that he has been on a vacation for the past two weeks and therefore he couldn't attend to me. I requested him to provide me his senior's contact details so that I could take this matter with them. He refused completely and took Mr. Rajeev on the call in conference mode. Rajiv clarified that he had not reverted to me as was expected of him and therefore my dissatisfaction with Mr.Rajesh was appropriate. Even then I was not provided the contact details of Mr. Rajesh's senior officer.

Now, I am being rudely told that my policy stands canceled and that I am not a customer of ICICI Lombard anymore so Mr. Rajesh does not have any moral or professional duties towards me or my concern. I found out Mr. Udayan Joshi's (senior of Mr. Rajesh Kumar) contact details some how and narrated the whole incident to him as well. As expected I did not get any help from him and my case has become a series of reminder mails to these gentlemen working with ICICI Lombard.

My Issues that I seek justice for, are as follows:

1. Why were multiple claims provided for a single case of accident? (I can provide the mails from the month of November last year till today which clearly show the issue in entirety !!)

2. Even if providing multiple claims was the only solution possible, why was I not informed by the ICICI Lombard employee responsible for providing the approval when he must clearly be aware that it would lead to my policy being canceled ? Are there no rules and regulations which protect the interest of the customer ?

3. Even if the policy was canceled, Why have i not received the refund cheque till date?

4. How does the government govern the private companies dealing in public sector where their emplyees
are neglecting their duties like the case here - Mr. Rajesh Kumar & Mr. Udayan Joshi of ICICI Lombard ignoring phone calls and Text Messages from customers continuously for two weeks when they are supposed to revert on priority?

5. Please let me know whether the employees of ICICI Lombard are allowed to refuse the contact details of their superiors when requested by the customer?

6. Why did I have to go through all this to understand the prevalent situation? Who is responsible for the "Agony" and "Frustration" that I have been though over getting a simple response from your staff ?

7. Lastly, why do individuals like me have to undergo so much stress and agony to fight for basic services like insurance and how will these private institutions learn to respect and appreciate the customers.


Looking forward to an early reply and a possible solution from you.



Thanks and Regards,

Ashutosh Narain
[protected]

2 months ago i received a call from hyderabad for icici lombard general insurance giving me some detail on the policy, within 2 weeks they couried me the policy forcebly and debited the amt. from the icici credit card, when i inquired with their customer care service of icici lombard, they say for cancellation of the policy they will deducte Rs. 3, 500/-(for what?). And now each day 2 or 3 calls on my cell with different name from icici bank and Mr. Sameer from icici bank came to my residence and threth by family to keep ready cash or cheque for the above payment... why my parents are pressurised when they are not involved in the whole transacation... they to are depressed with this behavaiour of icici bank, i was upset with the whole issue, and 2 days back they deducted the whole amt. of Rs. 12, 944/- from my salary account of icici without any information or any confirmation from my end... do we stay in democratic country????
I need help to sort out the issue with this fraud deel...

I purchased online two wheeler insurance for my father in law. I was charged in my credit card. I was expecting a email with the policy details. I received a email with black PDF file and now after many call with Customer service executives the response is that they are not able to locate any records with my credit card details and other details... Very much frustruated.. Worst Customer service. I asked for escalating the call and was put on hold for more than 15 minutes.. hanged up due to frustruation...

Hi,
I have bought a policy no. 4043/CHC/03381231/00/000 through a agent Name Ms SHOBHANA SINGH sales manger of ICICI Lombard Kolkata office paid through HDFC bank credit card in one time payment option on 13th march 2008. After few days I got all detail like card and other documents with tax saving certificate of Rs.5860. But after 1 month when I got credit card bill there is showing in EMI of 211.39 and 72.07 interest (Which is total about 6500 for 2 years) while I have paid one time payment mode. I contacted to bank they told me this is the fault of ICICI Lombard I request for written proof they have mailed me in written.
After that I contacted to agent Ms SHOBHANA SINGH she told me I would check please give me some time. After 15th days I called her she can’t get reply from the concern team of Lombard. Now I personally contact to Lombard customer care they told me please contact to your bank while my bank was given written document regarding this payment mode. After 25 complain same reply it will take 24 working hours. I waste lot of money and time about 3 months.
After 3months I didn’t get any response then I decide for cancel the policy. So I called to Lombard they were just fooling them saying that it will take 11 days to process. The standard reply that they have. Whenever you call, they say 11 days and that 11th day will never come for them. So I was personally following it up. After 10 complain I got a call from there ICICI Lombard cancellation team they ask the reason for cancellation I told all history they suggested me for don’t cancel the policy we will solved the problem and transfer the call to cancellation manger Ms. Falguni Thakkar she personally talk to me and assure that my problem will solved and give her email id for future contact.
I wait for 15 days but no call or mail got from them once again I called to her she excused me that a check has been dispatched I ask for check number she was not able to give it. After 1 month (total 3 months) I scolding her that Now I am going to file a case as they take customers requests for fun. After this she told me that ok your policy will cancel with in 7 days and you will get refund only 60% because you exceed the full refund limit which was the 3 month from the purchasing date. Now I ask her for please give me all in written because I will file a case against you and Lombard.
After long fight to manager and other I got full refund and canceled the policy but during this I faced very problem.
So Please don’t believe on agent and read the documents carefully before buying a policy. If you get any error in Policy it will never solved or canceled.

I'll reaceve a call from No[protected]Executive Name - Rajesh ) on 29/04/2008, saying that they are calling from ICICI Bank Channai, And on the occassion of Tamil Day they selected 10 new credit cards (One Of them is me) and give them a scheme
that if I will take ICICI lombard Health Policy, In addition of that normal policy there bank will give me extra features i.e :
1. No claim Bonas (Rs 20, 000/-)
2. OPD Facility
And i'll get all the related document from ICICI Lombard and Their Bank with in 21 days.
I agreey and buy the same policy and the amount will deducted form my cradit card [protected] on 30-04-08.

I'll receive all the document from ICICI lombard on time, but did not recieve any document ( Related to extra facility given by their bank ) .
So for that i call back on the same number after 1 month and the executive ( Rajesh) Said that you will recieve the related papers within a month.
But still i am not getting any document related to that extra feature given by bank ( Not by ICICIC Lombard)
I 'll get revert back on the same number many times but get the sme responce every time that you will get the papers soon.
And today after 5 month when i call on the same number another executive said the fault information given to you and this is not a ICICI bank, this is ICICI Subsidary company selling Policy for Lombard.


My Policy No : 4034/FPP/03545410/00/000
Credit Card no : [protected]

So plz tell me that whos number is this who are selling policy for ICICI Lombard by offering Fraud offers.
And plz ansure me that you will rectify the same or i'll go to Consumer Court for justice.

My Mobile : [protected]

Prakateesh from chennai

One executive from chennai called me regarding ICICI Lombard insurance offer from ICICI credit card. He told EMI option and he told 269 is the EMI amount for 24 months at that time i am unaware of EMI later i get statement original amount Rs 218 remaining amount come from intrest. later i contact that executive he told he reverse all the EMI and pay in single amount. one month later he didnt contact, after i contact customer care five times two people will not changed into EMI and remaining three people tell it cannot. I got frustrated with that answer.later i cancel they told 50% of amount will be deducted ffrom premium policy. So what can i do. Please any one help in this regard

M.S.Prakateesh
[protected]

I was having policy in his origination my policy number is (4034/CHC/03592229/00/000) but currently I have cancelled the policy because I am planning to go abroad, my policy cancellation no is[protected]. His agent Santoshi has called me from this number ([protected]) before taking this policy she has informed me that if I am canceling the policy within three months I don’t have to owe you any cancellation charges and if I am canceling after three months your 1 month policy amount will be deductated and remaining two months policy amount will be refunded in your account. But Rs.2288 has been charged from my credit card.



So please do the needful and clear this as soon as possible and reply me for the same

I PURCHASED ONE HEALTH POLICY FROM ICICI LOMBARD SINCE JUNE THIS YEAR. THEY ISSUED 2 POLICIES INSTEAD OF ONE. ONE IS CORRECT.ANOTHER BY WRONG NAME. THEY CHARGED 4 TIMES FROM MY CITIBANK CREDIT CARD. [protected].AND WHEN I REQUESTED FOR REFUND OF 3 MORE TRANSACTIONS ON MY CREDIT CARD.THEY TOLD ME POLICY HAS BEEN CANCELLED.BUT NO REFUND HAS BEEN DEBITED IN MY CREDIT CARD A/C TILL TODAY. ICICI LOMBARD IS ONE OF THE WORST COMPANY AS I HAVE EVER FACED IN MY LIFE.INSPITE OF CONTACTING MANY TIMES TO LOMBARD.NOTHING HAS BEEN DONE SO FAR.
PLZ HELP ME & SORT OUT THIS MATTER AS SOON AS POSSIBLE.

THANKS,
FARHAN HAIDER
51B, POCKET-12, LIF DDA FLATS, JASOLA VIHAR, NEW DELHI-110025, MOBILE NO:- =91-[protected].

1. I am having car insurance policy with ICICI Lombard and policy no is 3001/51063036/01/000.

2. My car met an accident and I logded a request for claim and the claim no MOT00815849 was allotted to me on
14-JUN-2008.

3. After the survey I was told that cheque will be send on address which was given to surveyor in next 10 days.

4. After 10 days when I contacted the customer service I was told the cheque is being delivered and I should wait for seven working days.

5. After seven days again I called and i was told that cheque has been delivered to me. When I told them that I have not got the cheque they gave me shippment number of "BLUE DART COURIER" and told to check with them. Blue dart told they have delivered on the address which was given by ICICI.

6. I again called ICICI Lombard cutomer service and told them to cancel the cheque and issue a fresh cheque on my name. I was given complaint no. 3101149 and was assured cheque will be delived in next 7 days.

7. Again i called customer service after 7 days, they responded by saying that cheque has been delivered long back to me. I had to again tell the whole story and i was given a fresh complaint no. 3138780 and told to wait for 7 days.

8. It has become a total nuisance for me and already two months have passed. It is a displayof total unprofession attitude and is not acceptable from a company of such repute.

9. I strongly recommend all users NOT I repeat NOT to insure through ICICI Lomard for your own good

Hi,
I got a call from ICICI Lombard people saying that if i take their policy they will the increase the limit of my credit card to two lakh rupees and by putting a condition that if and only if i paid the first EMI of the policy.
Then after one month i paid the firstEMI of the policy but the credit limit hasn't been increased till now and after that I called the ICICI customer people and what they said is surprising that there will be no offers like that and the credit limit will be enhanced only if by providing the latest salary slip and called for the cancelleation of the policy and they said i have to pay 1600 Rs towards ICICI Lombard if I cancelled the policy

Plese help me in this case

Ploicy No: 4034/FPP/03582423/00/000
Name : Ashok Podugu
Mobile No: [protected]

Simply want to say not to buy lombard policy as these people are specialised frauds. They will tell you lucarative things when they will try to sell their policy but i suggest you that if you are under the age of 35 then never think to buy thier health policy as they simply will not hear you when you claiming your bills at the time u need money.

REFERENCE NO. [protected] DATED 12TH JUNE, 2008.

I, GAJENDER SHARMA RENUE MY ICICI LOMBARD INSURANCE ON 7TH MAY, 2008 OF RS. 9381/- AND ICICI LOMBARD MISUSE MY CREDIT CARD OF HDFC BANK. I NOW BANK NOT TO REASY TO PAY THE AMOUNT AND BANK CHARGE AND I FOLLOWS LAST TWO MONTHS MY EXPENSES ALSO ALONG WITH COMPASSION AMOUNTS.

MY HDFC CREDIT CARDS DIVISION DEBIT IN MY ACCCOUNT FINANCE CHARGES ALSO.

THE DISCUSSION WITH ICICI ON CHAT BE ATTACH WITH THIS MAIL.

24/6/08
afrin: Good Afternoon
afrin: you have reached ICICI Lombard 24x7, how can i help you?
gajender sharma: If you charge two time payment of my credit card what we do.
afrin: regarding what charges are charged to you
gajender sharma: My Health policy.
afrin: Please help me with your policy number.
gajender sharma: 4034/HIR/03560505/00/000
afrin: you want to say for renewal you are charged two times
gajender sharma: ref. no. [protected] dt 12/6/08
gajender sharma: yes
gajender sharma: 1st time on 7th May, 08
gajender sharma: 2nd time 9th May, 08
afrin: you have placed request for same issur before this
afrin: For verification of your identity, kindly verify the following details:
afrin: • Name,
afrin: • Date of Birth,
afrin: • Contact No (Landline and Mobile),
afrin: • Email id,
afrin: • Address with Pin Code
gajender sharma: Gajender Sharma
gajender sharma: 27/9/74
gajender sharma: [protected]
gajender sharma: [protected]@yahoo.co.in
gajender sharma: Flat No. 203, 2nd floor UTC Millinnium Building, Shalimar Garden-II,
Please wait for a site operator to respond.
You are now chatting with 'afrin'
afrin: Good Afternoon
afrin: you have reached ICICI Lombard 24x7, how can i help you?
gajender sharma: If you charge two time payment of my credit card what we do.
afrin: regarding what charges are charged to you
gajender sharma: My Health policy.
afrin: Please help me with your policy number.
gajender sharma: 4034/HIR/03560505/00/000
afrin: you want to say for renewal you are charged two times
gajender sharma: ref. no. [protected] dt 12/6/08
gajender sharma: yes
gajender sharma: 1st time on 7th May, 08
gajender sharma: 2nd time 9th May, 08
afrin: you have placed request for same issur before this
afrin: For verification of your identity, kindly verify the following details:
afrin: • Name,
afrin: • Date of Birth,
afrin: • Contact No (Landline and Mobile),
afrin: • Email id,
afrin: • Address with Pin Code
gajender sharma: Gajender Sharma
gajender sharma: 27/9/74
gajender sharma: [protected]
gajender sharma: [protected]@yahoo.co.in
gajender sharma: Flat No. 203, 2nd floor UTC Millinnium Building, Shalimar Garden-II, Shahibabad-GZB-201005
afrin: ok
afrin: I Apologize for the inconvenience caused to you
afrin: sir right now our system is under up gradation so i am not able to check further details
afrin: kindly chat after 1 hour
afrin: we will surely assist you
gajender sharma: Ok, I under stand our problem, but I don't other option go to Consumer court, becose you have misuse my credit card.
afrin: sir as your request is already placed as you gave me request number
afrin: accordingly it if it is charged twice one amount will be reverted to you
afrin: i am not telli
gajender sharma: what about bank interst.
afrin: i am not able to provide you right now confirm status of request
afrin: because o[censored]p gradation
afrin: i am not able to provide you right now confirm status of request
afrin: because o[censored]p gradation
afrin: so kindly chat after
afrin: some time so that we will be able to tell you that what is the current status
gajender sharma: I don't have time to chat with. I want ask you, you will pay interst of not.
gajender sharma: I don't belive you, becouse afer + month +17 day ?????????????.
gajender sharma: I want close this issue today at any how.
gajender sharma: ///////////// ?????????
gajender sharma: jkll;jl;
gajender sharma: Helloooooooooooooooooo
afrin: you can kindly be on line as soon as system will be up dated we will chek the status and let you know
gajender sharma: I am may time try to solve, but no body help to me.
gajender sharma: Today I am call to costomer care he ask me proof iof payment.
afrin: because o[censored]p gradation i can not check the status so i will request you to contact after some time
gajender sharma: OK, If you charge two time, what you do as per bank policy.
afrin: as per insaurance policy wardings we revert the one time amount
gajender sharma: and what about bank charge
gajender sharma: hi,
afrin: we will be rteverting only the money
afrin: which we have received to our end by mistake
gajender sharma: Or bank interst.
afrin: no sir amount which is debited twice from that onetime amount we will be reverted to you apart from that any of amount will not be reverted
afrin: from our end
afrin: Good Afternoon
afrin: you have reached ICICI Lombard 24x7, how can i help you?
afrin: sorry for typo
gajender sharma: I am putting ths case to Consumer court.
gajender sharma: Hellooooooooooooooooooooo
afrin: Your patience is appreciated. I will be with you shortly
afrin: as our system will be up dated i will let you know the exact status
afrin: be on line
gajender sharma: thanks.
afrin: ok
gajender sharma: hi,
afrin: Your patience is appreciated. I will be with you shortly
gajender sharma: Please do your job.
afrin: be on line
gajender sharma: .
gajender sharma: hhhhhhhhhhh
gajender sharma: any body in your team handle this case. please call and discussed with me on my cell [protected] or contined.
gajender sharma: kya hua...
gajender sharma: ant body????????????
gajender sharma: any body??????????????
gajender sharma: please reply.
gajender sharma: ...
afrin: kindly be on line
gajender sharma: I think no body in your team so please close this business it is not nacessary to pay salary with any work please.
gajender sharma: I don't under stant what you want.
afrin: sir as system under up gradation so i am not able to tell you the status now
gajender sharma: I want want to speak your senior person.
gajender sharma: Now I am finaly case file to Consumer court.
afrin: as your request is registered for same issue the amount which is charged to you twice it will be reverted to youy
gajender sharma: any Qus.
afrin: first contact with your bank about the refund
afrin: as request is placed
afrin: check from them any amount is been reverted in your account or not
afrin: confirm with them you will come to know
gajender sharma: how it is possible to debit the amont without any request by ICICI Lombard.
gajender sharma: Till time -NO
afrin: when your request get registered in lombard for double debit we refund the money to your credit card department only
gajender sharma: WHEN
afrin: as i am checking in system with your request number same response we have got from our concern department
afrin: kindly contact with respective bank for the refund amount
afrin: first please check with your credit card department
afrin: if any amount is not reflecting as an credit you can let us know so that we can assist you
gajender sharma: just tell me if I closed my policy, how many amount refund today.
afrin: for the same
gajender sharma: Not any refund.
afrin: i will request you check your credit balance first so you will come to know
afrin: about thre refund of extra amount
gajender sharma: sorry
afrin: sir have you checked with credit card department
gajender sharma: What about intrest.
afrin: we will not pay any of interest we will only pay the amount which is double time charged to you
afrin: for interest you will have to contact with the bank
gajender sharma: which bank.
afrin: your credit card belongs to which bank same one
gajender sharma: HDFC
afrin: yes
gajender sharma: Please give the reference no.
gajender sharma: ..
afrin: you will have to only confirm with them that amount has been credited in your account or not reference number will be the same which you provided me as request number [protected]
gajender sharma: bank asking the refence number
gajender sharma: Bank trans ID no.
afrin: [protected] from our reference number they will not be able to check any details in their system
afrin: you only confirm the account status with them and let us know
afrin: we will do the needful asap
gajender sharma: you confirm you have debit in my credit card.
gajender sharma: just tell me if I closed my policy, how many amount refund today
gajender sharma: just tell me if I closed my policy, how many amount refund today
gajender sharma: just tell me if I closed my policy, how many amount refund today
gajender sharma: total amount.
gajender sharma: same
gajender sharma: same
afrin: when we will take the request at that time you receive a call in that call you will come to know about charges
gajender sharma: before discontine the policy I want the amount.
gajender sharma: same
gajender sharma: .
afrin: The refund grid is as below mentioned.
gajender sharma: ?????????????
afrin: 1 year Refund
afrin: Durations Refund amount
afrin: 0 to 3 months
afrin: Full Refund of 1st year 60% & Full Refund of 2nd year 40%
afrin: 3 to 6 months Refund should pay 1st year 25% of 60 % & Full Refund of 2nd year 40%
afrin: 6 to above months Refund should pay 1st year Zero % of 60% & Full Refund of 2nd year 40%
afrin: 2 year Refund
afrin: Durations Refund amount
afrin: 0 to 3 months
afrin: Full Refund 2nd year 40% & not 1st year 60%
afrin: 3 to 6 months Refund should pay 2nd
afrin: year 25% of 40 % & not 1st year 60%
afrin: 6 to above months Zero % Refund of both years


gajender sharma: I want to know total amount.
afrin: if you will place request concern team will give you a call in that call you can confirm details
gajender sharma: wait, Just I am confirm form HDFC abnk.
gajender sharma: same
afrin: Is there anything else I can help you with ?
Chat session has ended.

The insurance has been claimed without my knowledge against my credit card no. [protected]

I haven't received confirmation call or any documents regarding the insurance. I have been complaining through telephone since I came to know the insurance has been claimed. Everytime I call, I'm told that it'll get cancel. Once it got cancelled, but again, the amount has been charged again. Why this tardy and untidy response? I'm frustrated. Cancel it immediately.

Regards,
Ramya

I have taken up an ICICI Lombard policy in the name of Bharti Sharma and Saurabh Sharma in May 2008.
We made the payment via ICICI bank Credit Card.
When I received the credit card statement for this month i was surprised to see that two amounts i.e Rs. 8972 & Rs. 5860 have charged to my account. And when I spoke to your customer care department, I was more surprised to know that instead of one policy two policies have issued in my name.
In view of the fact that I have cancelled by both policies, I was suppose to receive whole amount back to my account but ai have come to know that some cancellation fees have been charged to me which I am absolutely not suppose to pay because you i.e. ICICI LOMBARD has done mischief and FRAUD with me by misusing my Credit Card Details and by issuing two policies instead of one without my information.

Dear Sir,
Two month back i got Postal documents reported of icic lombord health policy for one year worth 300000/=, even i have not submitted any request for this policy & later i got SMS from barclaycard Statement due in which they claiming me the account balance of 3822.94 Rs. due amount Rs. 681.27 Rs need deposit on 28 jun 08 .when i had not used my barclay card since i got the card.
I asked about this statement to barcly customer care they updated me about that this amount has been transferred to Icici lombord because we have your signed documents even i have not signed any form & also Barclay have not confirmed the approval from me about this transaction.
I told them it is fake because i have not summit any form or i have not signed any document then how this transaction has been made & request them to stop any further transaction.
now i request you to inquiry about the issue & i want a compensation for this illegal policy & fake signicture
hope i will get revert back from you as soon as possible
thanks & regard
Noor Mohammad
Fake policy No. 4034/bpp/03490630/00/000
Card no ihpn[protected]/01

I have been victim to kind of a fraud comitted by lombard
My Policy number: 4034/HIR/03466522/00/000 - Shantanu C Rao

I had renewed my policy over the phone in April 08 and had instructed to charge my ICICI Credit card [protected] for the monthly premium. It was told to me that the premium would be around approximately 400 per month.

Despite of these clear instructions ICICI Lombard has charged my EMI Card which I have not used ever since I received it. I don’t even carry it along with me. I have not used the card or given the number to any one in last 1.5 years. Who authorized ICICI Lombard to debit the monthly premium from my EMI card? I had even forgotten that I own such a card. How did this happen.

I am charged with late fees and never the less as being an EMI card I am expected to pay 4000/- minimum amount where as if it was my credit card it would have been 400/- per month for 2 years. This is total fraud, trying to extract the 2 years premium in 3 months in a bulk amount.

This is shear nonsense and I have requested to cancel my policy. And the customer service person could not even do this.
I will not pay any amount to my EMI card nor will I pay any late fees. The Lombard people should sort this out with the credit card department. You have lost your customer due to ignorance and deception of your customer. I will make sure that I will prevent as much as people that I can from coming to you.

I want this matter sorted out and I will not follow up with the credit card department because I have spent 4 hours – of a week day following up with Lombard and credit card department. And your customer service sucks. I was tossed f om department to department, and from person to person ending with more frustration and no solution.

I will go to the consumer court or even the police for a fact if I am troubled with this matter. I will really get the media pouncing on this issue.

Sort this out ASAP

Dear Sir/Madam

I have applied for my pan card in April through internet. I have paid through credit card my Acknowledgement no is [protected]. I have posted my identity proof along with my stamp size photo and the acknowledgement letter to the mumbai address. Its been two month now i have not yet received my pan card no. and nor the pan card. Even when i check the status of my pan card in the NSDL site it shows that it is under process. I dont understand what is the problem and even i dnt have the source to know if anything had gone wrong. I have send a mail to NSDL site also regarding this but i have not received any clarification regerding this. I am totally disatisfied with this and at the same time i am also facing problem in my official purpose.
I strongly condemn such act.

Sashank Bhuyan

From Date: June 9, 2008
Arvind Waze
Nerul, Navi Mumbai


To ICICI Bank,
Credit card Division,
Mumbai
Dear Sir,
Reg: Rs. 24261/- charged to my Credit Card

This refers to SMS message sent by you on 04/06/2008 at 19.05 PM (on my mobile no. [protected]) regarding above transaction on account of my Credit Card no. [protected]. In this respect I wish to inform you that no such transaction is authorized by me. I demand immediate reversal of the amount wrongfully charged to my Credit Card account. I further wish to inform you that I received a call from your representative on my mobile phone who told me on phone that he was calling from Chennai. Your representative started talking about my Credit card transactions. He informed that I was using Credit card in a decent manner & paying the dues regularly. Due to my prompt repayment record I am selected for a particular health insurance plan from ICICI Lombard Insurance. This being gift for Tamil New Year. The policy will help me in case o[censored]nforeseen medical expenses. I told him that I am Bank employee & I do get reimbursement of medical expenses from my bank as per rules, therefore I do not need this plan. He insisted that I must understand the benefits of scheme to which I agreed only as matter of courtesy . He explained the plan to me as under:
1. The policy is for Rs. 4.00 Lac for a period of two years. Rs two Lac for each year. Then he revised the statement saying that policy is for Rs. Six Lac& three Lac will be covered each year.

2. The premium amount will be Rs. 24261/-in single installment or else Rs. 1142/- as EMI for twenty four months.

3. I can claim expenses in respect of treatment @ Rs.1000/- per day for outdoor medical expenses if it is for five days or more with maximum of Rs. 17000/- The insurance amount of Rs. 3.00 Lac will remain intact for hospitalization claim during the year. This facility can be availed only once during the policy period.

4. He further informed me that if do not claim any thing during two years of policy then I will get Rs. 30000/- as unclaimed bonus (@5% of policy amount.

5. The expenditure limit on my credit card which is presently Rs.47600/- & cash limit is Rs.23800/- will be increased to Rs.150000/- for both. Out of this increased limit premium amount Rs. 24261/- will be earmarked and will be released gradually on receiving EMI amount monthly.

The premium amount will be charged only if I agree to terms & conditions of the policy for which I will be receiving information brochure shortly. He then told me that officials from Lombard insurance will call me shortly as verification call. After this I got call from Lombard insurance company who confirmed my personal details on phone & my telephonic conversation with your representative. I told them that I have agreed to see the brochure & if found satisfactory I will subscribe to the plan. I was surprised on getting the SMS about charging my card account with Rs.24261/- . I immediately called 24 hour help line number for Mumbai 28307777 & enquired about the transaction. The call centre attendant transferred my call to ICICI Lombard official. The official there informed me that whatever is explained to me as above is not true however policy document will be dispatched shortly & if terms & conditions are not up to my satisfaction the policy will be cancelled. I do not see any point in going through the policy & then demand back the amount charged to my card. I hereby refuse to accept the document & demand reversal of amount charged on my account. I will not be liable to pay any amount on such unauthorized transaction. Please note it.

A.G. Waze

icici lombard gic kottayam office making fake motor policy.
kottayam office collect Rs.616 for motor insurance under the cover note no.TD2725575.
then they issued Policy No.3005/50319780/00/000 under another cover note no.TD 2821145.
in policy no vehile no. and others.
please contact [protected]@gmail.com we will sent all about this matter via e-mail.