Life Insurance Corporation of India [LIC] Complaints & Reviews

Respected Sir I am Jaya R Patil the main applicant of the Housing Loan # 61702592 for Rs.35, 00, 000 in the year 2007. I got married to Mr. Poovaiah Thimaya Chendira on 26.08.2005 at Gundlupet near Mysore at a Krishna temple and the marriage was registered on 15.10.2005. We have two daughters aged about 8 and 6 years who have been residing with me and I am solely taking care of my children. We finalized a property and applied for LIC housing loan in March 2007. LIC at Indiranagar suggested to attach a co-applicant salary slip due to which I got my husband’s salary slip attached. I then did not realize the complications of this in future. My husband got his name added to the property without my knowledge during registration. In the interest of saving the marriage and not get into any disputes I went ahead on the join property registration. The moment the property was registered in my name, Mr. Poovaiah Chendira never paid any EMI from day we took loan. He is not staying with us since 2008 onwards. The loan repayments were completing on me from the beginning we took loan and I am been paying from my Axis bank account # [protected]. You may check your statement which clearly defines the loan repayments from my bank account. This also means I am capable and eligible to pay loan on my own and hence I am here to request for removal of co-applicant name from the housing loan. There has been lot of cruelty and ignorance towards 2 minor children whose responsibility is also on myself. I am working in IBM Pvt Ltd as Portfolio Manager and I am earning enough to repay the housing loan as well as take care of my 2 girl children. Mr. Poovaiah Chendira had neglected and abandoned me and had failed to discharge his duties as a husband and also as a father to 2 minor girl children. Mr Poovaiah also failed to contribute his share of the equated monthly installments towards discharge of the housing. Mr. Poovaiah Chendira forced on me to make me pay the housing loan repayments. Had I not paid the housing loan EMI promptly as I am legally liable to pay back the bank, this would have been already into legal issues and further more financial loss to impacting me drastically. To avoid legal issues, I promptly making payments and abide by the same till date. Mr. Poovaiah had also failed to support me and the child financially and had infact deserted us without providing any financial, moral support to great trauma and cruelty. Since Mr. Poovaiah had abandoned us during my 2nd child pregnancy I was constantly humiliated and made snide comments about my character in public, thereby maligning my reputation and standing in society. Having been subjected to tremendous stress and on being severely tortured by the Respondent, emotionally, physically and financially, I filed for divorce before the Principal Family Judge, Bangalore in 2008. In addition to taking care of all the household expenses and the expenses for my two minor girl children, I am also paying Rs 34, 887/- per month toward the monthly installments towards the housing loan jointly availed. Mr. Poovaiah Chendira has not made any payment towards this housing loan despite the fact that he is a co- applicant towards this property. Being single parent, I work evening times till morning and then take care of my kids to cook, send them to school and their lunch, homework, dinner, etc. While they were at school so that she could be there for them the rest of the day till going back to my office work by 09.30 pm after putting the children to bed. I also work every Saturday as I am in the technical field to carry out change implementations which can happen only during week end server maintenance window. I single handedly paying the loan installments towards the flat and car loan as well as taking care of all the day to day needs of the children and their school expenses. Due to these reasons, The learned Family Judge granted divorce decree dated 13.09.2013. The marriage between dated 15.10.2005 was dissolved by a decree of divorce. Therefore, I make a kind request to LIC Housing mgt team for removal of Mr. Poovaiah Chendira name from the loan account and help me to further secure this property into my name I am the sole payer against the property loan. I am here by attaching all the relevant documents for your review and consideration. Sincerely Jaya R Patil Loan A/c No. 61702592

This is refer to my personal visit to your office on 20.09.2014 regarding Non-disbursement of Home Loan (File No.[protected]). In this regard I request you to kindly refund me the Processing Fee ( Rs.13350 + Service Tax). Also return me all the cheques deposited to you for the purpose of Loan.


Regards
Shyam Tyagi & Monika Tyagi
File No. [protected]
Contact No.[protected]

Dear sir / madam This is to inform you that my name is Santosh Kumar anduer but unfothnit but still i am suffering, when i contact to LIC agent and Development officer every day they give some differnt excuses my personlly request to you please take seriously action against LIC agent DO and branch note:- if customer not able to pay premium on time LIC charges some fine.But when ever LIC not able to pay to the customer what amountl LIC should pay to customer please rply as sonn as possible regards santosh kumar [protected]

1. Xerox copies of loan kits documents were not delivered to me till date even though the loan was disbursed to me by the LIC HFL, Thane on[protected]. My loan A/c. No.[protected]. 2. Intimation letter about disbursement of loan which is to be submitted to the Registration Office, was also not provided to me till date. In this regard, I want to know who will be responsible if delay is occurred in submission of intimation letter to the Registration Office and from which date the delay will be counted by the Registration office, whether from the date of receiving of Intimation letter or from the date of disbursement of loan? How many period is given by the Registration office to submit the intimation letter about first disbursement of loan ? Please provide me all the above stated documents and reply of the above querry. My Mobile NO. [protected] and email address is radhe.[protected]@rediffmail.com

Recently my Home was granted with loan amount 2140000/- for a period of 12 years with interest 10.1%. but your office give me a chart for 12 installments details of O/S Loan Rs.1500000/-from due date 10.01.2015 with an amount Rs.4151/-& subsequently 10th of every month with an amount Rs 25792/-.to be paid by me with liquidation date 10.10.2021. my question is` I) WHY the amount Rs.4151/-( Int +BPI) IS TAKEN IN 10.01.2015, 2) if the term is 12 yrs. ( Amortization 144 EMIS ) THEN THE liquidation date 10.10.2021. for O/S Loan Rs.1500000/-is ended on 10.10.2021 ? 3) rest money Rs.640000/- how it will be calculate ? 4) you have already taken upfront fees (Processing fees) Rs. 1124/- & Rs.10675/- in two steps - which is greater than your advt. value Subrata Roy Loan Account :[protected] mob.[protected] ; email: [protected]@gmail.com .

My LIC Policy number is[protected]. I am 92 yrs old Freedom fighter. I was due to get my annual installment of pension under the said policy on 02 dec 2014. I had submitted the LIFE CERTIFICATE and Change of bank details to the IPP CELL New Delhi by regd post on 10dec 2014. Inspite of that my pension amount has not been credited to my account till 06 dec 2014

Dear Sir/ Mam, I have paid premium of Rs1415 and Rs1642 against my LIC Policy No[protected] &[protected] respectively on[protected] through IDBI Bank - Eazy2Pay Payment Gateway : Merchant Name: Life Insurance Corporation Merchant Ref Number: 11092592 Payment Amount: Rs. 3101.42 Payment Date: Mon Jan 05 11:54:56 GMT+05:30 2015 Card Used: XXXX XXXX XXXX 8921 Transaction Identification Number:[protected] I still have not received any premium certificate from LIC. Please let me know the current status of the same and mail me the certificate in next 2 hrs. Regards, Tuhin Chatterjee [protected]

Hi There, I wanted to increase my EMI amount, but every time i asked agent and manager they said it cannot be increased. It is really frustrating. Managers or heads do not speak properly. If anyone could help me get the EMI increased would be great or atleast give some information about it....

I have apply on 10/10/2014 for lic creditcard i submit all the requird document as per lic requirment but till now them not verify properly my document now their customercare excutive told me your application nonsowing our system .so kindly verify properly and send me liccard also my name GOPAL RAM MUNDEL DOB 01/03/1984 AGENCY CODE 0091019H CLIA CODE M003119H MOB-[protected] Email [protected]@gmail.com

sir i have loan account with lichfl since sep.2013. my hosing loan a/c no. is[protected]. I have taken housing loan of Rs.700000.00 from your ujjain branch. Branch address is B-4, Vishala kshetra Shivansh 1st floor, Dewas Road, Near rishi nagar petrol pump ujjain 456010 m.p. I have got message from LICHF on my mobile first on 15.12.2014 and second on today i.e. 04.01.2015. After the first message i contatcted to the ujjain branch office on phone no. [protected], mr ajay received the phone and assured me that we have your cheques and cheqe will get debited in your account within 2-3 days. When I cheque the status of my bank account the cheque were not got debited in my sbi a/c. Then I further called to Mr. Ajay 4-5 times but he assured the same. I have submitted all my emi cheques with the LICHFL ujjain office but there is no responsible person who can satisfy me why my cheques are not being presented to my bank. Due to this my credit score is getting affeted. I humbly request you to consider the mattear on priority and do needful. Pradeep Jain [protected] [protected]@rediffmail.com

GOPI KANT SINGH POLICY NO.[protected] PLAN-JEEVAN SURABHI-15 Years ( T.NO. 106 ) Servicing Branch-16E Sir, I have send NEFT and other related documents by Post on dated 03/12/2014, But till date no any response for matured amount receive. So. Please take initiative and provide matured amount as early as possible. Regards: Gopi Kant Singh

Hello Sir, My Policy Details are as follows: LIC Policy No:[protected] Amount Paid: 965=00 Amount Paid Date: 02/01/2015 I lost my LIC Premium bill for 02/01/2015 I want to submit the Premium Bill for my Tax Investment Proof. It would be great if you could you send me the Duplicate bill to my mail [protected]@gmail.com Its very urgent, Sir please do the needful ASAP. Thanks in Advance subhash arya

Hi, I have a housing loan with LICHFL since July2010. My loan account number is [protected]. First 3 years was fixed and after that they said its going to be floated, so i opted for the loan and it was granted. I have couple of issues to report here with related to the services and first 3 years was fine as it was fixed rate and I didn't realize till the start of 5th year that the bank charges exorbitant interest rates and don't bother to communicate to the customers about the change in interest rates. My question is why communication is not sent to me about the changes in interest rate. As of i am getting charged 11.5% So Dec 2nd 2014 i went to LICHFL, Residency road-Bangalore branch and asked them why the interest rate is so high, for which manager didn't have any information but said he they can reduce the interest by 1% if i pay one extra month's EMI. When asked why, he said its the bank policy and when asked why no communication was sent to me, he said, it letters were sent to me. I didnt want to continue discussion with him and told him, i want to transfer the loan to other bank and he asked me to pay Rs.1000 and can take a copy of my documents. So i went back to Payment counter and made payment and helpdesk person took my Hyderabad address and said he will get it couriered to my Hyderabad addresss in 12 days. So i requested them to send it in a week's time, so the helpdesk guy said, 'ok sir i will take care'. And i didnt know that it will not reach me even after 30 days. I called up LICHFL, residency road on the number[protected] on Dec19th 2014 and was to my surprise they said, they will courier it that day. So i waited for 4 days and called again on 23rd Dec and i was told, for some reason it was not sent and Mr.Govardhan and Ms.Anuradha assured me that it will be couriered that day. I called back after a week that is 29th Dec and they are asking for me address again and when i asked if they can find where is the documents using the courier tracking number. So Anuradha says i either give my address again or go to their office personally and collect it, which is unacceptable as they charged for the photocopies and courier charges, so i told why cant she track the courier status or i said let me talk to the manager. So i was put on hold for 15 minutes and she said Govardhan has the tracking details and he is on leave. I insisted i talk to the manager N V Ramanna(i was told that is his name, i am not sure if thats the real name or they just gave random name), they kept on hanging the call on me. I called up 10-15 times but no luck. I could hear Anuradha asking him to talk to me but he didn't bother to attend the phone and they disconnected again. I call again and this time its Chennappa, he says i might have given the wrong address and but he is not ready to check the status of the courier and he is blaming me and I said i want to talk to the manager but the manager doesn't want get up off his seat. I can hear the conversation in the background and manager advised disconnect the phone again. Such a bad service from service department and their manager, I called few more times but they dont pickup my call. I got hold of another phone number for LICHFL and it was Recovery department and a lady shouting at me and asking me not call that number and they cant transfer the call..So i called 10-15 more times to the service department number but nobody answered the phone. Today 30th December, i called again and Anuradha is asking for my address again and when asked about tracking the courier, she hung up on me, i callled again 10-15 times and Chennappa answers the phone and says, he will find the tracking number by afternoon and give it to me and he says that i have to track the courier and they will not help me track the courier. I called back again and i spoke to Anuradha and Chennappa and they gave me POD number(Courier tracking number) BLR[protected] and looks like this is of some other customer. They just wanted my calls to stop ringining. After several rings, i got connected and when i told Anuradha that the number is wrong, she got Chennappa on the call and took down my email id and said he will email me the POD in 10 at 3pm today and its 8pm and i dont have an email. When i called back in 30 minutes again both Anuradha, Chennappa are laughing hearning my concerns. How can a bank become so insensitve about a customer greiveince. I called back again 31st morning and wanted to talk to the manager as i had not got a call or any update or an email with the correct POD number. And today i got to know the name of the manager is Shrikanth not N V Raman and I could hear Anuradha asking him to talk to me but i could hear he telling her to disconnect the call and she did disconnect the call. I called back 10-15 times but they dont pick my calls. I want this issue to be escalated to the highest authority at LICHFL and i want a call back from one of the them. At this point in time, i am really pissed off with the service, all i want is the photo copy of my documents, so that i can get rid of your utterly pathetic customer service and rediculous interest rates of LICHFL. Does Mr.Shrikanth and his team understand that his salary gets paid because of the interest I and many other pay the bank regularly. I haven't missed a single EMI in the last 50 months. Does LICHFL care about giving atleast 10% of the service that other banks give? Does any higher ups at LICHFL really care about customers' grievances? Can somebody help and I want explanation as to why the issue is being handled so badly. Very Disappointed, Veerendra

I have a housing loan with LICHFL since July2010. My loan account number is [protected]. First 3 years was fixed and after that they said its going to be floated, so i opted for the loan and it was granted. I have couple of issues to report here with related to the services and first 3 years was fine as it was fixed rate and I didn't realize till the start of 5th year that the bank charges exorbitant interest rates and don't bother to communicate to the customers about the change in interest rates. My question is why communication is not sent to me about the changes in interest rate. As of i am getting charged 11.5% So Dec 2nd 2014 i went to LICHFL, Residency road-Bangalore branch and asked them why the interest rate is so high, for which manager didn't have any information but said he they can reduce the interest by 1% if i pay one extra month's EMI. When asked why, he said its the bank policy and when asked why no communication was sent to me, he said, it letters were sent to me. I didnt want to continue discussion with him and told him, i want to transfer the loan to other bank and he asked me to pay Rs.1000 and can take a copy of my documents. So i went back to Payment counter and made payment and helpdesk person took my Hyderabad address and said he will get it couriered to my Hyderabad addresss in 12 days. So i requested them to send it in a week's time, so the helpdesk guy said, 'ok sir i will take care'. And i didnt know that it will not reach me even after 30 days. I called up LICHFL, residency road on the number[protected] on Dec19th 2014 and was to my surprise they said, they will courier it that day. So i waited for 4 days and called again on 23rd Dec and i was told, for some reason it was not sent and Mr.Govardhan and Ms.Anuradha assured me that it will be couriered that day. I called back after a week that is 29th Dec and they are asking for me address again and when i asked if they can find where is the documents using the courier tracking number. So Anuradha says i either give my address again or go to their office personally and collect it, which is unacceptable as they charged for the photocopies and courier charges, so i told why cant she track the courier status or i said let me talk to the manager. So i was put on hold for 15 minutes and she said Govardhan has the tracking details and he is on leave. I insisted i talk to the manager N V Ramanna(i was told that is his name, i am not sure if thats the real name or they just gave random name), they kept on hanging the call on me. I called up 10-15 times but no luck. I could hear Anuradha asking him to talk to me but he didn't bother to attend the phone and they disconnected again. I call again and this time its Chennappa, he says i might have given the wrong address and but he is not ready to check the status of the courier and he is blaming me and I said i want to talk to the manager but the manager doesn't want get up off his seat. I can hear the conversation in the background and manager advised disconnect the phone again. Such a bad service from service department and their manager, I called few more times but they dont pickup my call. I got hold of another phone number for LICHFL and it was Recovery department and a lady shouting at me and asking me not call that number and they cant transfer the call..So i called 10-15 more times to the service department number but nobody answered the phone. Today 30th December, i called again and Anuradha is asking for my address again and when asked about tracking the courier, she hung up on me, i callled again 10-15 times and Chennappa answers the phone and says, he will find the tracking number by afternoon and give it to me and he says that i have to track the courier and they will not help me track the courier. I called back and spoke to Anuradha and Chennappa and they gave me POD number(Courier tracking number) BLR[protected] and looks like this is of some other customer. They just wanted my calls to stop ringining. After several rings, i got connected and when i told Anuradha that the number is wrong, she got Chennappa on the call and took down my email id and said he will email me the POD in 10 at 3pm today and its 8pm and i dont have an email. When i called back in 30 minutes again both Anuradha, Chennappa are laughing hearning my concerns. How can a bank become so insensitve about a customer greiveince. I want this issue to be escalated to the highest authority at LICHFL and i want a call back from one of the them. Else i will escalate this issue to Regulatory Authority of Housing Finance companies On 31st i called and wanted to speak to the manager as nobody called me about any update or i dont have a POD number in my email, Today i was told Srikanth is the name of the manager, so they had indeed given a fake name of the manager and this Mr. Srikanth is still not getting ready to talk to me, i can hear him telling Anuradha to disconnect my call. At this point in time, i am really really pissed off with LICHFL service, all i want is the documents, so that i can get rid of your utterly pathetic customer service and their rediculous interest rates. Can somebody from LICHFL help and I want explanation and an apology as to why the issue is being handled so badly. Veerendra

I have taken home loan from LICHFL, partial amount released. I borrowed in my name only. Last month only I get the registry (sale deed) done by my builder. I did it in joint name with my wife as second owner. I submitted this original registry paper(sale deed) to LICHFL and also an application to add my wife(house wife) as co-applicant in my existing home Loan. LICHFL has refused to add her as second applicant saying it is illegal as Loan was sanctioned only in my name only and I was not supposed to add my wife in sale deed. Kindly suggest what should I do to get my wife added as second applicant in my existing home loan. Also, I fear, at the time of loan clearance, they will create problem to get my original sale-deed(registry paper) back. Please suggest me - what should do next ? Thank you in advance for you suggestion.

Dear Sir, today we have received a call from lic. regarding our lic no. is short list. and my account is in short list. contacts person is tell me my bonus is given by axis value card and he told me i deposit Rs.15, 000 then bonus give me. please tell me its true ya false. My No.: [protected]

Dear Sir, Greeting. Plz. Be informed that my P & GS pension has been stopped by LIC of India. Details are mentioned below— Company name – LML LTD. Panki Industrial Estate, Kanpur. Annuity no, - : 023Y[protected] Bank details – Bank – HDFC, Akaswani, Jalana Road Aurangabad.431001.Maharashtra- Account No- [protected] IFSC—HDFC 0000113 I will be grateful to you for my entire life. With warm regards Rajendra Singh Bohra Mob- [protected] D-9 Varad Muthyan Near Ram Minder, Samarth Nagar, Aurangabad. Maharashtra

sir i am vinayak patil my father had pension plan policy (policy no.[protected]. and now i have submitted all my documents after fathers death. and the policy is cleared from bhopal. but they did not pay me our money i have visited there office more than 15 times. but still the arrogant behavior of theres. they did not responed to our problem. so please help me in this regard

Hi, My name is Thangaraju A. Today (26th Dec) i have paid my LIC premium of Rs. 1806.22 (Policy number[protected] using HDFC credit card online trough IDBI Bank - Eazy2pay Payment gateway (Transaction Identification Number:[protected]. I have received the mail communication from [protected]@pg.eazy2pay.com for the successful payment but the amount is not yet credited to LIC and I have not received any mail confirmation from LIC for the receipt of payment. Kindly do the needful Thangaraju A

NON RECEIVED OF MATURITY CLAIM SIR / MADAM, I WAS SUBMITTED MY ALL MATURITY PAPAER ALONG WITH NEFT FORM CANCELLED CHEQUE PAN CARD COPY WITH BRANCH 931 ( ACKNOWLEDGEMENT COPY ENCLOSED HERE WITH) ON 08/12/2014 BUT STILL IT IS PENDING MORE THEN 2 TIMES I HAS VISITED TO BRANCH THEY SAID TIME LAGEGA HAMARE PASS STAFF NAHI HAI SO SIR I REQUEST YOU THE STAFF IS NOT THERE IT'S LIC PROBLEM AND NOT MINE KINDLY LOOK IN TO THE MATTER SERIOUSLY AND RELEASE THE PAYMENT AS EARLY AS POSSIBLE