complaint register form forum complaints letter customer mortage loan online business systems do not call list airtel hutch hp gas airtel hutch vodafone icici http://www.clientcomplain.com Copyright 2010 Clients Complain clientcomplain.com/rss/ en Thu, 24 May 2012 00:35:24 Thu, 24 May 2012 00:35:24 http://www.clientcomplain.com/THE_NEW_INDIA_ASSURANCE_CO_LTD-Complains-22238-SC.html SIR STILL DATED 21/05/2012 THERE HAVE NO FEEDBACK SIR I SRI SOUMYA BHANDARI(PO08388499) RESIDENCE VILLAGE +POSTOFFICE=GARALGACHA ,DISTRICT=HOOGHLY,P.S.=CHANDITALA,PIN=712708(NEAR SUROBALA VIDYAMONDIR)WESTBENGAL,MOBILE NO. 9153728781POLICY NUMBER 51280034120100000176 DATE OF PROPOSAL 13/04/2012 PREVIOUS POLICY NUMBER 51280034110100000207 RECEIPT NO. 51280081120000000181 DATED 10/04/2012 WANT TO CONFIRM FROM YOU IF MY POLICY CONTINUE THE PREVIOUS POLICY? AND ALSO WANT TO SAY I WAS STILL NOT ABLE TO GET OUT TPA CARDS SIR SIR TPA MEDICARE SAID THAT THEY STILL NOT RECEIVING THIS POLICY . SIR I ALSO REGISTER TO THE NEW INDIA ASSURANCE CO. LTD PORTAL AS USER CUST17001 BUT NOT ABLE TO ACCESS,IF YOU KINDLY CO-OPERATE AS I USED YOURS PORTAL. -- soumya bhandari SOUMYA BHANDARI Wed, 23 May 2012 23:57:55 http://www.clientcomplain.com/sahara_rajat_yojana-Complains-22211-SC.html NAME : Navneet karadia, ADDRESS : plot no.953-54 ram nagar shastri nagar jaipur 302016. DATE OF BIRTH : 21-12-1976, AMOUNT - RS. 10000/- SERIAL NO. - 16924, RECEIPT NO. 10036932593, CONTROL NO. 15189200165, DATE OF APPLICATION : 31-03.2003 i want my money beck with intrest. navneet karadia Tue, 22 May 2012 13:33:05 http://www.clientcomplain.com/POSTAL_LIFE_INSURANCE-Complains-22195-SC.html Transferred my PLI A/c(JH27517CC)(Name:krishnendu Dutta )from Dhanbad(Ranchi,Jharkhand) to home dist.south 24PGS. Post office-Baruipur ,743610 West Bengal Krishnendu Dutta Mon, 21 May 2012 16:34:32 http://www.clientcomplain.com/tata_motors-Complains-22019-SC.html sir/madam i am shamkant komarpant GA.09A.1399 sumo victa i had did insurance of my sumo in The NEW INDIA INSURANCE LTD. And in tragic accident my sumo got badly damged 1 year passed,the sumo was brought just 18months before the accident . it is in the garage of TATA MOTORS Margao Goa.It took 1 and half year to repair but still it is not repaired properly.while it was in garage of tata motor my new battery was replaced by some one old battery and even new tyre were also replaced by old tyre.my supplimatery estimate bill not submitted to New India Insurance Ltd till today .tata motors were sent 3 letters to send supplimatery estimate bill by New Insurance company,but the tata motor{fatorda,Margao,goa} didn't replyed.i had lossed now 1,58,000.they also made the final bill. i wish you to help me because i had trusted tata .but now i am totally in worry...please tell your authorities to see toward my complian.contact me @ 9823759164 shamkant komarpant Tue, 08 May 2012 14:02:41 http://www.clientcomplain.com/NEW_INDIA_INSURANCE-Complains-22014-SC.html sir/madam i am shamkant komarpant GA.09A.1399 sumo victa i had did insurance of my sumo in The NEW INDIA INSURANCE LTD. And in tragic accident my sumo got badly damged 1 year passed,the sumo was brought just 18months before the accident . it is in the garage of TATA MOTORS Margao Goa.The total istimate was 3,58,000 but the NEW INDIA INSURANCE LTD claimed just 1,99,226.our summplemantry estimate near about 1 lakh was not submitted by surveyor of the new india insurance Mr.Diwani. being the car owner i not received any letter or any information about the final survey report .now Mr.Diwani denied that no action could be taken and he even Bribe for money and told that to take the sumo outside other garage and make it proper .mr.Diwani did not gave body cell and even the tata motor denied to give body cell then after many request then {6month}they gavebody then ,then after 6monththey gave cherise by giving several reason for getting it late. shamkant komarpant Mon, 07 May 2012 22:53:05 http://www.clientcomplain.com/FUTURE_GENERALI-Complains-21949-SC.html THIS IS TO INFORM TOP MANAGEMENT @FUTURE GENERALI FOR THE THIRD CLASS SERVICE FOR BUYING INSURANCE FOR MY CAR I HAD PURCHASED INSURANCE WWW.EASYINSURANCEINDIA.COM ON 8th APRIL & MY INSURANCE WAS GONNA LAPSE ON 7TH APRIL 2012. THEY TOOK 15 DAYS FOR INSPECTION & TILL DATE THE POLICY HAS NOT REACHED ME.I HAVE ALREADY SPENT Rs9000/- FROM MY POCKET BECAUSE OF THE DELAY IN INSURANCE POLICY ISSUED. WHO WILL PAY ME THAT CASH? IS THERE ANYBODY IN THIS COMPANY WHO CAN DARE TO PAY ME 75% WHAT I SPENT???? THE INSURANCE WAS NOT ISSUED EVEN AFTER GIVING THE PREVIOUS INSURANCE COPY & RC FOR THE SAME. I HAD TO CALL THE WEBSITE MANAGER FOR THE SAME & THE FUTURE GENERALI MANAGER Mr.SHREEDHAR (CHENNAI-BRANCH) WAS PLAYING BY GIVING ALL WRONG INFORMATION ABOUT THE POLICY. I MUST HAVE CALLED THESE FOOLS MORE THAN 25 TIMES FOR THE POLICY & STILL ITS NOT REACHED ME. THIS GUY DES NOT HAVE ANY MANAGERIAL QUALITY & IF FUTURE GENERALI IS NOT CAPABLE TO DO THEIR WORK ON TIME & CORRECT, THEN THEY SHOULD SHUT-DOWN THE INSURANCE WING. MORE OVER THESE KIND PEOPLE WHO BECOME MANAGER ARE ONLY THROUGH INFLUENCE NOT BY ABILITY. I STILL NOT RECEIVED THE INSURANCE BY POST I WOULD ALSO REQUEST ALL OF YOU NOT TO BUY ANY INSURANCE ONLINE & GET INTO TROUBLE Regards Mr. Parson 96860 77277 Parson Z Wed, 02 May 2012 18:59:59 http://www.clientcomplain.com/TATA_AIG-Complains-21947-SC.html THIS IS TO INFORM TOP MANAGEMENT @TATA AIG FOR THE THIRD CLASS SERVICE FOR BUYING INSURANCE FOR MY BIKE I HAD PURCHASED INSURANCE WWW.EASYINSURANCEINDIA.COM ON 6th APRIL & MY INSURANCE WAS GONNA LAPSE ON 15TH. THE INSURANCE WAS ISSUED WITH ALL WRONG INFORMATION, EVEN AFTER GIVING THE PREVIOUS INSURANCE COPY & RC FOR THE SAME. I HAD TO CALL THE WEBSITE MANAGER FOR THE SAME & THE TATA AIG MANAGER Mr.SURESH BABU (CHENNAI-BRANCH) WAS NOT EVEN READY TO TALK TO CUSTOMER FOR THE MISTAKE HIS TEAM HAS DONE. THIS GUY DES NOT HAVE ANY MANAGERIAL QUALITY & HE WAS RUDE WHEN I CALLED HIM FOR THE PROBLEM I WAS GOING THROUGH. IF TATA AIG IS NOT CAPABLE TO DO THEIR WORK ON TIME & CORRECT, THEN THEY SHOULD SHUT-DOWN THE INSURANCE WING. MORE OVER THESE KIND PEOPLE WHO BECOME MANAGER ARE ONLY THROUGH INFLUENCE NOT BY ABILITY. I RECEIVED THE INSURANCE BY POST 3 DAYS BACK. THE COPY WAS BLACK & WHITE. TATA AIG CANT EVEN AFFORD FOR A COLOR PRINT OUT. WHY DID THEY SEND & WASTE MONEY ON COURIER, I COULD HAVE ALSO PRINTED THE SAME IF IT WAS SENT THRU EMAIL. I WOULD ALSO REQUEST ALL OF YOU NOT TO BUY ANY INSURANCE ONLINE & GET INTO TROUBLE Regards Mr. Parson 96860 77277 Parson Z Wed, 02 May 2012 18:36:20 http://www.clientcomplain.com/department_of_post-Complains-21915-SC.html I have submitted all required documents of 'postal life insurance' for payment of maturity amount at Dhanpuri post office, distt.- Shahdol, M.P. on 15/03/2012, but tll date I've not received maturity amount.Details are given below Policy no.- MP-95416-UC Sum assured- Rs. 1,00,000 Proposal date- 18/03/2005 Maturity date- 18/03/2012 Name of insured- D.K. Badgaiyan Present address- Q.no.- C/18, Regional complex,Dhanpuri, distt.-Shahdol, M.P. Email id- dkbadgaiyan@gmail.com dkbadgaiyan Sun, 29 Apr 2012 22:08:15 http://www.clientcomplain.com/kotak_Smart_Advantage_Plan-Complains-21912-SC.html Hi, This is Siva from Coimbatore. I am having smart advantage plan and paid 50k for three years. Now my policy value is only 94k. I lost almost 55k. When the time of login, Sale manager said we have to pay only for three years, our money can be taken back in the beginning of the fourth year with growth rate of 24%. (we do not want to wait end of our policy) But policy terms and condition is entirely different then what they have explained. Policy terms and conditions as follow Smart Advantage policy first year premium will not be invested in the market, other two years premium only will be invested in the market. When you pay all your year terms (Example: 10 years) then only you will get your first year premium. If you pay only three years premium end of the fifth year your policy money will be return back without first year premium. Almost we have to lose our first year money. We have signed the policy with these terms and condition only. After long investigation i came to know that smart advantage plan was sold with wrong commitment and mislead by the kotak management. I have read many complaints about these products online. I had sent many mails to the kotak management but I have not got any reply from them. I have spoken to Branch manager in Coimbatore also but there is no proper solution from them. I hope you are also in the same situation. Let us join together and discuss for the further action. I would request you to send your policy number, contact details, and mail id for the further communication. For more details please mail me smartinsure12@gmail.com Siva kumar Sun, 29 Apr 2012 16:43:35 http://www.clientcomplain.com/PRASHANTH_NV-Complains-21882-SC.html DEAR SIR, PLEASE LETME CONFIRM TO THIS MATTER AS SOON AS POSSIBLE, PLEASE DROP ME A MAIL TO prashukrs@gmail.com WITH SOLUTIONS. Reserve Bank Of India. Foreign Remittance Department Email: transfer@rbiindia-gov.org The Desk Of Mr.Ashok Choudhery Fund Release Notification In The Amount Of 115 Crores 82 Lahks INR. DEAR BENEFICIARY: Mr. PRASHANTH .N.V Sequel to your email sent to this bank department regarding the stoppage of your fund for the TAX code, the operations/transfer was automatically stopped as you are required to provide Fund Transfer Tax Code number. India revenue and the India tax investigation service are authorized and regulated by the financial services authority. However, in most cases, the tax takes the form of a permit fee. It is only classified as a tax in a few governments/countries. Income tax is the sole responsibility of the beneficiary. Income taxes deducted from source generally include direct federal tax, communal taxes, as well as cantonal tax rates vary to a fairly large extent depending on the locality. Governmental tax scales for withholding tax and the corresponding regulations are available at the government tax departments. The confirmation and transfer of your cash worth 115 Crores 82 Lahks INR. to your bank account is now on hold because the tax investigation service noticed you have not paid an income tax. In view of this, you are required to pay a tax fee before the fund transfer Tax code will be release to you, the tax levied on your funds amount of 115 Crores 82 Lahks INR. as insured in your name which can't be deducted from according to the law of insurance. You are to make a tax payment of (12 Lahks Sixty Three Thousand Indian Rupees), directly to the accounts department. We will advice that you do everything with-in your reach to meet up with the above mentioned subject matter so the Tax department can issue you the TAX CODE that is needed now for you to complete your transfer. There also a Fidelity Bonds & Surety Bonds covering all funds with us, this is the agreement reach by the Tax Revenue Board and we, funds may be covered by what's called a banker's blanket bond, which is a multi-purpose insurance policy a bank purchases to protect itself from embezzlement and other causes of misappropriation on funds. The banker's blanket bond ensures that customers' funds are protected under those circumstances. Please open the attach file, read properly and also get back to us so we can provide you with further information on how the fee will be remitted. Upon fulfillment of the required obligation above and properly endorsed by our insurance underwriter, we shall however expedite action to effect process and obtain the Funds Transfer Tax Code from CENTRAL REMIITANCE immediately and appropriately. We the management staff of the Reserve Bank wish to apologies for the inconveniences it might cause you. Your handling of this matter with utmost urgency will be highly appreciated and we thank you for Banking with us. IMPORTANT NOTICE: FOR SECURITY REASONS YOU ARE ADVISED TO KEEP ALL CORRESPONDENCE REGARDS TO THIS TRANSFER STRICTLY AWAY FROM ANYONE SO THAT YOUR FUNDS WILL BE SAFE. We look forward to your compliance, for the swift completion of your funds transfer. In us you can trust. Giving the best in banking system is our priority. ***************WARNING***************** This message was sent from the Accounts Department of Reserve Bank Of India. It is only designated for intended recipient only.If you have received this email in error you should immediately discard it without transferring or storing any of it's content.Anyone caught not abiding with these rules will be made to face the law as all communications are officially meant for Reserve Bank Of India customers only. ***************END************************** Prashanth N V Fri, 27 Apr 2012 16:28:37 http://www.clientcomplain.com/COORG_PUBLIC_SCHOOL-Complains-21876-SC.html AM RECEVING THIS MAIL FROM THE RBI, SO CAN YOU PLEASE LET ME KNOW THE FURTHER DETAILS REGARDING FUND TRANSFER. AND I ATTACHED TAX CLEARANCE LETTER FROM RBI, NEW DELHI. PLS LETME KNOW THE STATUS. Reserve Bank Of India. Foreign Remittance Department Email: transfer@rbiindia-gov.org The Desk Of Mr.Ashok Choudhery Fund Release Notification In The Amount Of 115 Crores 82 Lahks INR. DEAR BENEFICIARY: Mr. PRASHANTH .N.V Sequel to your email sent to this bank department regarding the stoppage of your fund for the TAX code, the operations/transfer was automatically stopped as you are required to provide Fund Transfer Tax Code number. India revenue and the India tax investigation service are authorized and regulated by the financial services authority. However, in most cases, the tax takes the form of a permit fee. It is only classified as a tax in a few governments/countries. Income tax is the sole responsibility of the beneficiary. Income taxes deducted from source generally include direct federal tax, communal taxes, as well as cantonal tax rates vary to a fairly large extent depending on the locality. Governmental tax scales for withholding tax and the corresponding regulations are available at the government tax departments. The confirmation and transfer of your cash worth 115 Crores 82 Lahks INR. to your bank account is now on hold because the tax investigation service noticed you have not paid an income tax. In view of this, you are required to pay a tax fee before the fund transfer Tax code will be release to you, the tax levied on your funds amount of 115 Crores 82 Lahks INR. as insured in your name which can't be deducted from according to the law of insurance. You are to make a tax payment of (12 Lahks Sixty Three Thousand Indian Rupees), directly to the accounts department. We will advice that you do everything with-in your reach to meet up with the above mentioned subject matter so the Tax department can issue you the TAX CODE that is needed now for you to complete your transfer. There also a Fidelity Bonds & Surety Bonds covering all funds with us, this is the agreement reach by the Tax Revenue Board and we, funds may be covered by what's called a banker's blanket bond, which is a multi-purpose insurance policy a bank purchases to protect itself from embezzlement and other causes of misappropriation on funds. The banker's blanket bond ensures that customers' funds are protected under those circumstances. Please open the attach file, read properly and also get back to us so we can provide you with further information on how the fee will be remitted. Upon fulfillment of the required obligation above and properly endorsed by our insurance underwriter, we shall however expedite action to effect process and obtain the Funds Transfer Tax Code from CENTRAL REMIITANCE immediately and appropriately. We the management staff of the Reserve Bank wish to apologies for the inconveniences it might cause you. Your handling of this matter with utmost urgency will be highly appreciated and we thank you for Banking with us. IMPORTANT NOTICE: FOR SECURITY REASONS YOU ARE ADVISED TO KEEP ALL CORRESPONDENCE REGARDS TO THIS TRANSFER STRICTLY AWAY FROM ANYONE SO THAT YOUR FUNDS WILL BE SAFE. We look forward to your compliance, for the swift completion of your funds transfer. In us you can trust. Giving the best in banking system is our priority. Prashanth N V Fri, 27 Apr 2012 13:45:55 http://www.clientcomplain.com/ncl_industries_ltd-Complains-21867-SC.html dear sir , i have applied esi card almost four month later but still not received any card.insurance no:5205414997 rajesh pal date of registration 24/03/2011 i have recived some information delhi office rajindra place rajindra bhawan card printing completed on 13/01/2012 but still not received kindly request treaty the matter urgently because do the need full rajeshpal Thu, 26 Apr 2012 13:13:52 http://www.clientcomplain.com/Metlife_India_Insurance_Company_Private_Limited-Complains-21813-SC.html On 15/07/2011, Mr.Salesh.P.C, CSO, Metlife conducted medical tests in their panel M/s. Shankars Clinic, Alleppey in presence of Mr.Satheesh Krishnan. Further they took my signature in blank PF No. 106940115 for a single time policy of Rs,1 lakh, convinced me that since the PF requires some technical expertise to fill it up, they will complete the formality on my behalf. On 17/07/2011 at Coimbatore, I drawn a DD No. 908814 dated 17/07/2011 for `1 lakh in favour of Metlife Kottayam and send it through courier along with the copy of my salary slip for the periode of Jun-July 2007 to Mr.Biju Joseph, Geogit Alleppey with a written request to hand it over to Mr.Jijo since the former was introduced me to Metlife. During the month of September 2007, the policy document received at my native place address Alleppey, Kerala and the same was remained at my home since I was at my work place Coimbatore. Further that, somebody called from Metlife on my given mobile number and asked me whether I got the policy document or not and for that I confirmed the same that the document received at my home which was not opened. But the caller does not inform me anything about the contents of the policy document. Further in the month of October 2007, when I was at my home on leave, I checked the courier received from Metlife which contains the following documents (Xerox copies enclosed): 1. policy document vide policy No. 1200700379049 date of issue 14/09/2007, 2. terms & conditions in 14 pages dated Karnataka stamp duty dated 19/09/2007 3. Xerox copy of PF No. 106940115 dated 17/07/2007 with Metlife Inward seal dated 26/07/2007. 4. FPR No. FPR/2007/0138583 dated 19/09/2007 with Karnataka stamp duty. 5. Statement of account as on 14/09/2007 dated 19/09/2007 In pursuance to the policy document, some female caller from Metlife contacted me and asked about the receipt of all documents. Further she enquired me that, whether I was interested in life assurance or investment. I replied her that I have opted the same as a onetime investment. She paid regards as usual and end up the conversation. On October 2007, I again received one cover from Metlife which contains the following documents: 1. covering letter named Medical report for application #KLK106940115 dated 16/10/2007 2. Xerox copy of receipt from Sankars Clinical Lab & ECG, Alappuzha dated 15/07/2007 for urine test 3. Three Xerox copies of receipt from Sankars Clinical Lab & ECG, Alappuzha dated 15/07/2007 for blood report. 4. Xerox copy of ECG graph 5. Tread mill test summary report of Sankars Clinical Lab & T.M.T, Alappuzha date which is illegible to read On perusal of the whole correspondence received from Metlife , I noticed several contradictions which are as follows: 1. Blood test & urine test conducted on 15/07/2007, but the PF & DD dated is on 17/07/2007. 2. DD drawn at SBI, Coimbatore on 17/07/2007 and the filled up PF is also 17/07/2007 place Alleppey. 3. PF and DD accepted by Metlife, Kottayam on 26/07/2007 but policy commencement date was 14/09/2007 after a lapse of about 2 months. 4. The PF filled by some other person and does not bear any name or signature of the person who filled the PF. 5. Though the provision for remittance of money in the mode of crossed cheque, compelled me to deposit by the mode of DD. When informed the matter to Mr.Salesh. P.C, CSO/Metlife over phone, he replied that these all are normal mistakes and did not affect me in any way, so not to worry about that. He added that, the other matter like the terms of the policy will be as such as I desired. Hence I was confident about the reply of the responsible official of Metlife, I seldom sit on my investment. The whole things becomes a dispute when during the month of September 2008, I received several calls from call centre personnel’s and insisted me to remit the regular premium of about one lakh for the year 2008. I explained the entire above episode and the assurance given by Mr.Salesh.P.C, CSO/Metlife while applying the policy as a onetime investment. I felt that all my explanations fall in dumb ears, when I hear the version that the policy conditions are for a regular one and could not able to change it in to one time policy. The drama continued in the month of September 2009 also and they warned me that if the amount of `2 lakhs comes as dues not paid, my policy will lapse and the entire amount will forfeit. I requested the call centre personnel’s to connect me to some of the responsible persons of Metlife, but not done. During the year 2011, again I received a call from the call centre and some offer has been given to me for renewal of the policy duly paying all the dues. When I hesitated, they informed me that operate the option of surrender and the surrender benefit will be as per the terms & conditions of the policy document. Further on my request they informed me that on surrender I may get approximately `30,000/- after deducting all the charges as mentioned in the T&C. In this connection, I send an email to indiaservice@metlife.com on July 8th 2011, duly narrating all the facts and requested to return my whole amount since the policy was technically misselled to me. My mail was replied by one Mr. Vikram V, Senior Executive, Grievance Redressal Team from Metlife on July 20th, 2011. In which he replied that the free look periode was over and cannot cancel the policy, but I can surrender the policy as per the terms and conditions sent along with the policy. Unfortunately he never said anything about the queries raised by me. The contradictions came in to my notice only on 16/10/2007 (date of receipt for Xerox copies of medical tests) after expiring about one month from 19/09/2007, when I received the policy documents. Either they may knowingly delayed to send the Xerox copies of medical tests to simply pass the free look periode of 15 days with a malafide intention or to conceal the facts from me. Though the copies of all documents with the company, knowing the above said improper practice, Sri.Vikram.V, Senior Executive, Grievance Redressal Team, Metlife replied on his e-mail interaction ID: 012517645 dated 20/07/2011 that the matter should be intimated to the company within the free look periode and now the company is not in a position to accept my allegations about the mistakes noted by me. But I can opt for surrender benefit which will come around ` 16,328.04 approximately for ` 1 Lakh. When I gone through all the policy T&C send to me, I found that the clause 15 exclusively says about the conditions for Surrender benefit which reads as in page No.7 as- No surrender value is payable during the first three years of the policy. After the first three policy years, the Surrender Value payable on Surrender is equal to the Fund Value in the Unit Account less the surrender charge as mentioned in clause 11(D). The clause 11 shown in page No.5, heading as Charges with sub clauses serially numbered as: 1. Premium allocation charge(page 5) 2. Fund management charge(page5) 3. Policy administration charge(page5) 4. Surrender charge(page6) 5. Switching charge(page6) 6. Mortality charge(page6) 7. Rider premium charge(page6) 8. Partial withdrawal charge(page6) 9. Miscellaneous charge(page7) It is understood that, the charges if any related to surrender benefits to this policy is extensively be mentioned in Clause 11(D) as per the “Clause 15 Surrender Benefit” of policy T&C. But here in this policy document T&C, the Clause 11(D) is not incorporated and the reason best to known to the company only. When I queried the insurer under what provisions of T&C of the policy my premium amount is attracting surrender charges, they replied that the surrender charges are applicable as per clause 11-4 of the T&C. But the insurer who drafted the policy terms and conditions forgotten to give definitions or explanations for the clause 11(D) which incorporated in clause 15 for surrender benefit. As any layman can see that the Clause 15 is exclusively governing about the conditions for surrender and in which it is clearly stated that “…… the surrender charge as mentioned in clause 11(D)” not as clause 11-4. When raised up this matter to the knowledge of the appropriate authorities of the concern they also have different opinions and contradictory explanations which are as follows: -Sri.Vikram.V, Senior Executive, Grievance Redressal Team informed me that the policy owner has the option to surrender the policy after three years and for further clarification refer the surrender clause in the T&C.(from which is clear that the surrender benefit is governing by the surrender clause in the T&C). Further he accepted that is an “incorrect detail” in relation to the disputed clause 11(D). In another reply, the same officer mentioned that surrender and other charges details are available in the policy document page 5 and 6 for further clarifications. -Sri. Sathyappa.K, Senior Executive, Grievance Redressal Team stated in his e-mail that the surrender clause is available in page No.5 and 6 of the policy document in detail. (the surrender charges mentioned exclusively in page No.6 and the clause for surrender benefit is mentioned in page No.7) -Sri.Kapil Sharma, Senior Manager, Grievance Redressal Team had different opinions and explanations for the clarification about the 11(D) in the T&C which are as follows: o The referred clause pertaining to surrender in the policy document is to be read conversely i.e. 11-4 & 11-D (not 11-D it is 11(D). I think no value for the words and expressions in a contract agreement) o The reference there is made to clause 11 and sub clause 4 which has details pertaining to surrender (surrender benefit or surrender charge?) o There is no mistake in the policy terms & conditions and more specifically to the surrender clause (then why the clause 11(D), moreover there is no such clause termed surrender in the T&C?) o The surrender charges are applicable as per clause 11-4 mentioned in the T&C (clause 11-4 is mentioned with some surrender charges but what about the surrender charges as per clause 11(D) mentioned in clause 15?) o Clause 11 and subsection 4 are to be read conversely as 11(D) and the nomenclature used (if such what about the other clauses like 11(A), 11(E), 11(H) and 11(I) mentioned in the policy T&C?) o There is no change in the policy document or the terms and conditions of the policy, what we are trying to explain is that we need to interpret the numbering conversely (if there is no change in the policy document or the terms and conditions, why to interpret conversely when 11-4 and 11(D) since the earlier one is numeric and the later is alphanumeric?. It can be accepted if mentioned 11.4 or 11(4) for eg.) o The surrender clause is explicitly mentioned in clause 11 and subsection 4, hence there is no ambiguity in terms of the applicable charges. Now under clause 15, the reference given is to clause 11(D), which is to be read as 11(4) (here again mentioned clause 11(4) instead of 11-4. Moreover, if there is no change or mistake happened in the policy document T&C why one should read 11(D) as 11(4)?) o There is no mistake and the clause is to be interpreted in conjunction and conversely (what is the reason or intention of putting 11(D) in clause 15?) o We have already re-iterated that there is no mistake in the policy document but I do agree that to make it simpler to comprehend we could have mentioned 11(4) (still they are confusion about the clause 11-4 or 11(4). If there is no mistake then why to simplify and to comprehend?) o We would like to reiterate the surrender charges are applicable as per clause 11-4 mentioned in the terms and conditions of the policy ( what about the surrender charges mentioned in clause 11(D) as spelt in clause 15) From the above it is pertinent to say that, the uppermost authority of the company itself could not able to give transparent and crystal clear explanations/clarifications within the legal frame which governed the insurance industry. But they are very particular about to deduct the charges illegally from this policy, though what are all the surrender charges not mentioned in the policy document terms & conditions in reference to clause 11(D). From the changing versions of Mr.Kapil Sharma, it is clear that the company had committed a blunder mistake of non incorporation of clauses 11(A), 11(D), 11(E), 11(H) & 11(I) and its contents in the terms and conditions. Now they are giving vague, irrelevant and unconstitutional explanations to claim their mistake as legal. Above all, on 08/09/2011, the company sent one Ms. Anitha.M, Branch Service Manager, Metlife, Trichy and one Mr.Shiva, some executive of Metlife, Trichy along with one other person, visited my office at around 01.15hrs in the afternoon and verified all the policy documents duly took Xerox copy of page No.5 & 6 of the policy documents. They also thoroughly gone through all documents and orally accepted that as per the T&C, my policy does not attract any type of charges. Added that may be it is a mistake committed by the company and they will send a report to the company as such. But on 09/09/2011, Mr.Vikram.V, Senior Executive of the company reverted by email, stating that, they are not in a position to refund the fund value or waive the charges, since the surrender and other charges are available in the policy document in page No.5& 6. Later Sri. Manjunath.H.C, GRO, Metlife by his interaction on my mobile from 080-26502244 on 12/09/2011 at 14:51PM for a call duration of 00:02:57 hrs, also confirmed the version of former in the same line that the clause 11(D) should be read as clause 11.4 and it is a mere printing mistake. From the version of both the executives, it is clear that the company does not give any value or veracity of the words, expressions, clauses, sub clauses, legal validity of the policy document as they change it accordingly for the benefit of their concern not to the policy holder. Apart from the unincorporated T&C in clause 11(D), there are several other clauses are mentioned in the T&C of the policy document which were not incorporated or explained. They are: 1. In page No.8, Clause 16. Partial withdrawal, 3rd para reads as – the partial withdrawal amount will be paid by encashing units from the surrender value of the withdrawable part as detailed in the surrender provisions after deducting the partial withdrawal charges as mentioned in clause 11(H). 2. In page No.9, Clause 17. Sub heading Premium (Re)direction, 2nd para reads as – you would have the option to change the premium allocation proportions once every policy year free of charge. Subsequent changes would be considered as an alteration and would attract a miscellaneous charge as detailed in clause 11(I). 3. In page No.9, Clause 17. Sub heading Unit Allocations, 1st para reads as – Net premiums (paid before the premium due date) after premium allocation charge as in clause 11(A) will be used to buy units in the Unit Linked Funds using the Net Asset Value as on the premium due date. 4. In page No.9, Clause 17. Sub heading Unit Allocations, 2nd para reads as - Net premiums (paid after the premium due date) after premium allocation charge as in clause 11(A)(Net Premiums) will be used to buy units in the Unit Linked Funds using the Net Asset Value as below: 5. In page No.11, Clause 23. Switches between Unit Linked Funds, 1st para reads as- Switching between Unit Linked Funds can be done at any time after the first six months by submitting a written request to the company. On request the Fund Value in the Unit Account can be switched to the new Unit Linked Fund after deducting the switching charge as mentioned in clause 11(E). As such, it is evident that, either, there may be some conditions and terms as per the alphanumeric clauses 11(A) to 11(I) in clause 11 and that are exclusively governing some conditions on the related issues as mentioned above. Since the policy issued to me does not attracts any charges for Partial withdrawal vide Clause 11(H), Premium (Re) direction vide clause 11(I), Unit allocation vide Clause 11(A), Switches between unit linked funds vide Clause 11(E) and at last Surrender charge as mentioned in Clause 11(D), because the conditions governing to the above spheres are not incorporated in the policy document issued to me. Or in other hand, the company intentionally left about the above clauses categorically to suppress or conceal the real facts regarding the clauses from the policy holder to engage them in the insurance to flourish their business. If it is all printing mistakes, the company can amend or correct the mistakes as per Clause 10 - Other conditions governing unit linked funds-Changes to terms and conditions in page No.4 and that also has been not done. After exhausting all the redressal mechanisms provided by the insurance company, my statutory right of surrendering the policy as per the terms and conditions is still unsolved and unheard by the company. Without any fear or guilty conscious the company clearly stated that they can’t surrender the policy without surrender charge and clarifying their status quo without any legal aspects added with an advice to me that if I am not satisfied with their stand raise up the issue with Insurance Ombudsman. On the other hand, while settling a claim for a policy, if an irrelevant mistake or fault in the documents will be lead to the dismissal of the claim, but the above severe mistake committed by the company is not taking in to consideration. In both ways the customer will become scapegoat. When the complaint does not find any satisfactory deliverance from the insurance company, I escalated the matter to IRDA vide token No. 10-11-017277 dated 26th Sep., 2011. In this regard the IRDA vide their letter dated 13th Oct., 2011, advised me to raise the issue with Ombudsman, since the nature of grievance falls within the scope of RPG Rules 1998. Even though the matter escalated to IRDA, the insurance company replied they are in the same status quo to not return my money as per Clause 15 of the terms and conditions of policy. It is nothing but clear cut violation of policy T&C and core ethics of Insurance business. Hence it is requested that, taking in to consideration of all the above said evidences, treat the policy contract as void for the mistakes committed by the insurer to protect the interest of policy holder. Keeping in view of the above developments, it is sincerely upraised the following as legal rights to claim my invested amount of one lakh with benefits: a) The policy terms and conditions clause 15 solely explaining about the terms for surrendering a policy after completion of three years. b) Though the surrender charges mentioned in clause 11-4, the surrender charges attracted to this policy as per clause 15 in the event of providing surrender benefit to any policy holder is clearly mentioned that the surrender charges as per 11(D). c) The unambiguous clause for charges in clause 11 running from page 5 to 7 of the policy terms and conditions explains about surrender charges as per clause 11-4 but not mentioned anything about what are all the surrender charges as per clause 11(D). Hence using clause 11-4 for deducting surrender charges from this policy is violation of policy terms and conditions and also violating the contract agreement. d) The other charges like unit allocation charge is also clearly mentioned in clause 19 and in which it is explicitly mentioned that the premium allocation charge as per clause 11(A) will be deducted from the net premium paid before the premium due date. The company used the clause 11-1 of the policy terms and conditions to deduct the aforesaid charges from this policy are violation of policy terms and conditions and also violating the contract agreement. e) The contents of this policy document and terms & conditions to be treated as a legal document by virtue of registering under stamp duty Act. However, any changes in the law, legislation or taxation, change in circumstances etc. can be done only with the prior approval of IRDA which is clearly mentioned in clause10. Without adopting all these legal frameworks, the company or its representatives or the authorized persons cannot interpret any words, phrases, numbers, letters, combinations of numbers/symbols/letters etc. During the period of correspondence with the company in conflict with the clause on surrender charge mentioned in clause 15, the company adopted some other method to pacify me with a third party. The reply e-mail of Mr.Vikram.V dated 17th Aug 2011 is very much evident that the company is behind the episode. If they are in a safe corner why they adopted such mal practices to settle the issue? Quoting all the above facts and with documentary evidence the issue has escalated to Insurance Ombudsman on 09/03/2012 and they also rejected my complaint vide reference I.O(HYD):L-20-0012-986-2011-12/03 dated 14/03/12 delivered on 14/04/2012 with a reason that “The matter relating to the complaint is beyond the purview of the Office of the Insurance Ombudsman and hence it is not entertainable” but not mentioned what are all the reasons to reject my complaint. As such the situation, return my investment amount in my policy by the way of units allocated as per clause 17 duly deducting charges if any vide clause 11(A) as surrender benefit vide clause 15 after deducting if any surrender charges vide clause 11(D) with guaranteed returns assured by the insurer ranging from 6% to 10% for the period from 17/07/2007 onwards added with ` 50,000/- as damage cost for the mental harassment made by them for not complying the T&C for Surrender Benefit as per clause 15 in the policy document which is a legal document. G Vijaya Kumar Sun, 22 Apr 2012 12:18:58 http://www.clientcomplain.com/Vipual_Med_Corp-Complains-21810-SC.html My Name is Pankaj Jain ,my son got hospitalised on 17th April 2012 at BHRC hospital Indore MP , i submitted my claim papers on 17th April to BHRC Hospital claim Rs. 15200 against Rs. 5000/-. My Total Expenses is 8370/- please rel. part payment. Claim no : 13CB09NAJ0108 Thanks & Best Regards Pankaj Jain Pankaj Jain Sun, 22 Apr 2012 11:45:16 http://www.clientcomplain.com/Optima_Insurance_Brokers-Complains-21806-SC.html Optima serves its customers well Optima HelpDesk Sat, 21 Apr 2012 22:08:08 http://www.clientcomplain.com/Max_Newlife_Insurance-Complains-21747-SC.html Dear Sir, I am Somesh Pandey from Gurgaon. I have taken a insurance policy from max life insurance complany in jnne.2007 and on 15th march i had surrender my policy due to money required in property deal. But one month passed away and still there is no response from max life company and due to delay in surrender money i have lost my property deal and finally i have lost Rs.50,000 which was diposite money for deal. However it was told by max newlife that with in fifteen days i will get my surrender money but still i am waiting for my money. I request you to intervene in this matter and arrange to provide me my surrender money along with my lost money in property deal of Rs.50,000. regards Somesh Pandey Poloicy No.440110583 Mob No. 09891963200 someshpandey Mon, 16 Apr 2012 19:06:44 http://www.clientcomplain.com/Indian_Air_Force-Complains-21686-SC.html NON RECEIPT OF PLI BOND POLICY Robin kumar nayak Wed, 11 Apr 2012 12:43:05 http://www.clientcomplain.com/ING_Vysya_Life_Insuance_Policy_No01204918-Complains-21634-SC.html ING Vysya Life Insurance Co., Ltd., Policy No.01204918 V Bhagya Lakshmi V Bhagya Lakshmi Thu, 05 Apr 2012 16:56:02 http://www.clientcomplain.com/Shri_Ram_General_Insurance_Co_Ltd-Complains-21489-SC.html RE: Cover Note No.: *JPR 3101955 dt: 31.01.2012 *(Policy Not Received as yet) I have taken a Motor Insurance from you (M/s SHRIRAM GENERAL INSURANCE CO.LTD) on 31.01.2012 and till date I didn't get my hard copy of my bike's insurance. now 54-days left and there is no insurance policy with me. how many time you takes to send the hard copy of policy. Pls confirm. I hope you will take necessary action against my complaint and send me my hard copy of policy asap. Thanks Anil Kumar Tue, 27 Mar 2012 10:40:40 http://www.clientcomplain.com/SBI_LIFE_INSURANCE_CO_LTD-Complains-21330-SC.html SIR. I am RAKESH KUMAR JHA,working as an advisior in sbi life insurance co. ltd branch at bokaro steel city in jharkhand for three years.My ADVISIOR CODE NO 18381142.I am achivied a cash gift cash card rs 4000.00 from sbi life in janubary 2011.But in this time THE BRANCH MANAGER donot give me this card . He says me give me 50% of cash card amount then i give u cash card. pls give me suggesation . RAKESH KUMAR JHA Sat, 10 Mar 2012 12:06:24 http://www.clientcomplain.com/Vipul_Medcorp_TPA_Pvt_Ltd_United_India_Insurance_Co_Ltd-Complains-21278-SC.html sir,I got a discharge voucher of my claim for Rs 4622 against my claim amt of 36616/ and i immediately contacted on phone to Vipul authrities for the reason of deduction of huge amt from my claimed amt and 6600/& 300/ which deducted is understand able but they didnot give the explaination deduction of 24428/ from the claim amt when all bills and receipts of the same has been submitted with all relevant documents.The discharge voucher with lesser amt is not acceptable to me without any written explaination kapil arora Thu, 01 Mar 2012 13:34:58 http://www.clientcomplain.com/United_India_Insurance_Company-Complains-21147-SC.html Sub . : Abnormal delay in settling Insurance Claim by United Insurance Company Limited. Karnal , Haryana Ref. : Policy No. 020900311001100110045540 Dear Sir, It is a matter of great concern that my car no. HR-05-AC-3958 ( MODEL 2011, Tat Indica V2 ) met an accident & its repairs was got done at Company’s Authorized Service Centre i.e M/S Sameer Motors , Karnal on dt. 31.08.2011. The surveyor of the company , Mr. Arvind Kaushik estimated the damaged as Rs.32000.00 & all the papers related to repairs submitted to the Company’s Office , Karnal on dt. 10.09.2011. It is regretted that after passing considerable time of 5 months , my claim has not been settled. Needless to mention that not settling the claim within a reasonable time is harassment to the insured which is not appreciable by a Govt. Company like yours. In light of the above, I approach your good office to please look into the delay & reimburse me the cost of the repairs Of Rs. 32000.00 without further delay. Thanking you, (Sandeep Singh) (M) 93557-21268 S.P.Sharma Thu, 09 Feb 2012 21:03:53 http://www.clientcomplain.com/Reliance_Insurance-Complains-21086-SC.html TODAY (30/01/2012) AT 3:15 PM I RECEIVED A PH CALL FROM PHONE NO 9111 49761300 (MS SARIKA), SHE IS WORKING IN RELIANCE LIFE INSURANCE CO. I REFUSED TO TAKE THE PLAN SHE USING ABUSIVE LANGUAGE, I WANT TO DRAW THE ACTION ON HER & COMPANY. SHE USED RUFF LANGUAGE AND SHE WAS FORCING ME TO PURCHASE HER PLAN. KINDLY TAKE ACTION ON HER. PAWAN KR JAIN Pawan Kr Jain Mon, 30 Jan 2012 15:26:56 http://www.clientcomplain.com/LG_GD_510-Complains-21012-SC.html hi my mobile has battery problem and i repaired it in warranty period. please tell me which doccuments i have to send for repayment n where i have to send the doccuments. Contact Person: Mr. Jayant Das M/s Warraty & Insurance Administration services (W & I.A. services)342, Third Flore,Vardhaman DEE CEE Plaza, Plot No.– 11Dwarka, New Delhi – 110078 E-Mail:1- wiaservices@yahoo.com 2- deepti.kohli@futureaxiom.in 3- jayant@wiaservices.com Phone no: 011-45636979 Mobile No: 09818808164 & 0931085569 Your faithfully taral patel 9850276163 taral patel Thu, 19 Jan 2012 10:58:20 http://www.clientcomplain.com/Jeevan_Bharthi-Complains-20966-SC.html Kindly reset my user ID and password at the earliest as i have to summit in my company. sidhartha sinha Thu, 12 Jan 2012 19:17:04 http://www.clientcomplain.com/self-Complains-20619-SC.html sir, my policy no 67474580 yearly payment of 41213 and the other policy number 674756110 halfyearly of 37301 date of birth 13/03/1978 i have registed lic portal longback and i forgot my user id & password please help me davidsolomonraju131@gmail.com please i request you to recover and issue me a chance of registering once again so that i can use online payments David Solomon Raju Yellampalli Fri, 02 Dec 2011 13:09:02 http://www.clientcomplain.com/max_new_york_life_insurance-Complains-20617-SC.html Dear Mr. Bhattacharjee Thank you for writing to Manager Services. This is with reference to your query regarding policy number:246664627 We would request you to please provide us a duly signed written declaration for the ECS deactivation in the policy. Further, we would like to inform you that incase of non payment of premium there will be a grace period of 15 days. If any Premiums remain unpaid at the end of the grace period this Policy will go into Non-Forfeiture with effect from the due date of such unpaid Premium. Please find below the details of Reduce paid up addition : Reduced Paid up Insurance is one of the non-forfeiture options of the policy. A reduced paid up insurance is the amount of paid-up insurance (sum assured reduces, term remains same), which can be purchased by utilizing the Surrender Value. This option automatically comes in force on lapsation of the policy provided the policy has sufficient cash value. In case of any clarifications call us at "Customer Helpline: 1800 200 5577 (Toll free) or e-mail at service.helpdesk@maxnewyorklife.com. It is our endeavor to keep improving our services to continuously meet your expectations. Hope, the above response to your complaint is complete and is to your satisfaction. In case you are not satisfied with the response, please write to us at nodal.officer@maxnewyorklife.com with in 8 weeks. Thanks and Regards Manager Services Max New York Life Insurance Co. Ltd. Operation Center, Plot No. - 90 A Sector - 18, Udyog Vihar Gurgaon - 122002 Toll Free - 1800-180-5577 // 1800-200-5577 Max New York Life Fri, 02 Dec 2011 11:02:57 http://www.clientcomplain.com/POSTAL_LIFE_INSURANCE-Complains-20587-SC.html NON RECEIPT OF PLI POLICY BOND sir,namaste, this is KARMVEER from Bidar,i had opened my PLI in JULY 2010 in 405 AIR FORCE STATION BELGAUM.till now i have not received any receipt or policy bond.A monthly premium of Rs1760/- is deducted from my salary.so it is requested to send my documents as soon as possible to my present address mentioned below.my E Mail ID : karmveer2112@yahoo.in Please kindly send the information through mail also.thank you. ADDRESS: LAC KARMVEER SYSTEM SECTION HAWK DSS AIR FORCE STATION BIDAR PIN-585401 KARNATAKA KARMVEER Sun, 27 Nov 2011 15:47:57 http://www.clientcomplain.com/POSTAL_LIFE_INSURANCE-Complains-20559-SC.html Sir, I am serving in Indian Air force ,service No is 766271-N rank Sergeant Name- SK Dubey Trade- Engine/Fit enrollment date is 12-07-1971.I was doing the training in MTI Tambram Chennai ,during that time I have done Postal Life insurance and premiumum is cutting 63 Rs per month and it is reflected in my monthly pay slip,but i have not got any slip or insurance bond paper so far.I have completed 20 years of service. when it will mature.Please send my bond paper,if it is matured then send the amount. Sunil Kumar Dubey Wed, 23 Nov 2011 20:17:17 http://www.clientcomplain.com/perutek_servises_ltdagrigold_series_II-Complains-20362-SC.html dear sir, Ihave invested in perutek agrigold series II application no. 6097 folio no. agi-II-27595 certificate no. 22193 distincitive no.27595/1-2 name of holder- sunder lal jain date of investment 24-05-1996 date of meturity 24-05-2011 please send my full payment of meturity for the same. THANKING YOU sunder lal jain Sat, 29 Oct 2011 11:34:44 http://www.clientcomplain.com/Rock-Complains-20253-SC.html Dear Sir, Since long time i have communicate regarding my PF withdrawal but none of one replying me the same. Its take so much time to deposited in my account so request you Please let me know the following message update. My PF account no.. Establishment Code: 48708 Employee number (PF account number): 11564 STATUS for Member ID: MHBAN00487080000011564 Claim ID : MHBAN110900000760 Status : CLAIM FORM 19 FOR PF SETTLEMENT FOR MEMBER ACCOUNT NO MHBAN00487080000011564 HAS BEEN RECEIVED ON 03.09.2011 IS UNDER PROCESS Please do the needful asap. Awaiting for your reply..... Regards, Vijay Panchal, Vijay Tue, 18 Oct 2011 12:28:35 http://www.clientcomplain.com/HDFC_Ergo_Policy-Complains-20070-SC.html Kindly cancel my HDFC Ergo Policy. My HDFC Credic card no is :5289 4550 0394 9218 My HDCF Compalint Reference no is 11273134834 Name:Tina Ahuja Phone :9278339990 Tina Wed, 05 Oct 2011 15:51:38 http://www.clientcomplain.com/CTS-Complains-19297-SC.html I hav forgot my usrname & password of LIC,mu policy no is-495055349 Anshu Kumar Thu, 18 Aug 2011 19:38:54 http://www.clientcomplain.com/century_plus-Complains-19258-SC.html Dear Sir, i balkar singh purchase a policy century plus from bajaj allianz life insurance co. ltd. on 28-12-2007 policy no. 0078910730 century plus Premium Rs. 2lakh. But my fund value is Rs.40000/- app. presently. but co. ask me this is single premium policy you don't need to pay further premium. But i m retired person from P.S.E.Board. my whole money are investet in this plan. i have three daughter. next month is marriage of my daughter. kindly i requested u plz refund my principal amount. thnx and regards balkar singh M-9888329757 Balkar singh Wed, 17 Aug 2011 12:34:02 http://www.clientcomplain.com/icici_prudential_life_insurance_comapny-Complains-19196-SC.html To whomsoever it my concern I am sujit jadhav filing complaint against icici prudential insurance company. It is regarding insurance policies taken by my wife. 1st policy was- Life stage RP (policy no. 10972512) taken with premium of 30000 rupees per 6 months in 2009. Then she got the call from icici prudential insurance Delhi head office. The agent had given offer that, she can renew the same policy with 20000 more and accordingly she will get more returns and more benefits and total premium will become 50000 rupees. She agreed and then one icici agent came and she had given a cheque of 20000 rupees to him. Ideally the policy should be now of rupees 50000 premium per 6 months. After some days she had received a new policy (no. 12110502 ) of rupees 20000 from icici. This was totally wrong hand hence she had filed a complaint against it to icici. At the same time the first policies premium was due but as she had filed a complaint already she had not paid the next premium for first policy 10972512. After several complaint emails and online chat with icici representative on internet website the icici representative told her to file a written complaint against this to regional office. Accordingly she had filed a complaint to pune JM road branch. After some days she got a call from icici prudential Delhi office and the company representative told her that ‘there was a mistake done and a miscommunication happened so they were cancelling the second policy 10972512 and they had send a cheque of rupees 20000 back to her’ Thus the company had accepted that it was companies’ mistake and due to miscommunication wrong policy was given. But actually complaint was launched against both the policies 1) Policy no. 10972512 (30000/-) 2) policy no. 12110502 (20000/-) Regarding main policy no. 10972512 (30000/-) no proper decision was taken. She had filed complaint against both of above policies and hence both should get cancel. Icici prudential is not agreeing on this. They are not accepting complaint against the first policy which according to me they had already accepted their mistake and hence company should return back Rupees 30000. We together had filed so many complaints regarding this via Email, chat, also given written complaint again to pune JM road offie but no proper replay from them. Finally we had also filed a written complaint to icici prudential Mumbai head office Grievance Redressal Committee but no proper answer was received till date. The company had cheated with us and looted our 30000 rupees Regards: sujitgr8@gmail.com sujit Fri, 12 Aug 2011 16:13:03 http://www.clientcomplain.com/mahindra_rodeo_milage_problem-Complains-18964-SC.html Dear team Really i fed of from your product mahindra rodio bike. as per your net commitment and your dealer explanation the bike should be give the consumption at least 40 kmpl. but m getting only only 28 kmpl its very bad expiriance for me.regarding this i met your service centre also in bangalore but there is no use. now m trying to sell the ike that too within 2 months from the date of purchase. will appriciate for queck responce with clearing the query. u can contact me on 9036681093 hope will get solution on this. rajanikanth Fri, 29 Jul 2011 21:33:00 http://www.clientcomplain.com/Jeevan_Mitra-Complains-18852-SC.html Sir, My policy No. is 590632973,Date of proposal is 30-11-92, Date of commencement is 26-12-92,date of maturity is 28-12-14 and premium amount is Rupees 393=00 ( Rupees three hundred ninety three ) only per month.Once I wanted to draw a loan from my policy and found that there are no any deposited amount exist in the said policy.Although the premium amount has been deducted every month regularly from my salary.I have been consulted several times to the Branch Manager of Baripada and Panposh Rourkela within two years but no satisfactory answer has been received from them nor my policy has been regularised.There once again I request you to regularised my policy as early as possible. Ramsai Marndi Fri, 22 Jul 2011 12:20:01 http://www.clientcomplain.com/LIC-Complains-18818-SC.html Dear sir/mam, Policy no.- 377955164 This is regarding no action for settlement of a policy of my grand father. All policy documents has been submitted to the Waidhan branch (Branch Code - 37P) in March 2010. I am staying in Ghaziabad and it is not possible for me to visit Waidhan again and again. I visited lic waidhan branch at least 4-5 times. My last visit was in March 2011. At that time lic officials said after April we will solve your problem as they were having thier audits at that time. But till today i.e. on 20/07/2011 there is no responce from their side. I don't know what to do now, please tell me solution or if you can take any action, it will be favourable fo me. Thanks and regards Anand Kumar Singh Anand kumar Singh Wed, 20 Jul 2011 13:22:47 http://www.clientcomplain.com/Future_generali_life_insurance_co-Complains-18773-SC.html Sir, I had join this company on 01 Feb 11 as sales manager,( emp code-1109899, branch-Faridabad) but due to accident my right hand was badly injured and I was not able to sign properly hence my salary account in ICICI bank could not be opened and I have worked in this co. almost Two and Half months and not received even a single amount of salary because of non-availability of salary account, thereafter I have submitted resignation to my BM Mr. Harpreet Singh on 25 Apr11. I was told by him that a cheque of F&F settlement of salary will be dispatched at your home within 2-3 months after resignation. After 2 months in the end of Jun I received a payslip thru e- mail from F&F deptt of Rs 38,676/- immediately I contacted to the FGI via my e-mail and raised query regarding non-payment of the same, they asked me to send your bank details and a scan copy of cancelled cheque, I was in doubt once I could not opened my Salary account in ICICI bank then which account no. they are asking for ? similarly I contacted to my Ex- BM at Faridabad, He told me to send the details of your existing bank account no. I did so. After a week on 04 Jul 11 they intimated that your F&F processed to your ICICI account, again I have raised query regarding this twice time but they did not turn up till date. Sir, Through you I want to know that once I could not open my account in ICICI bank then How they have processed F&F settlement to this bank and in which account it will be debited also you are requested to lokk into the matter for my releasing of salary as early as possible. Thanks & Regards Emp code-1109899 Faridabad(Haryana) Anoop Asthana Sat, 16 Jul 2011 21:12:37 http://www.clientcomplain.com/Bajaj_Allianz_Capital_Unit_Gain-Complains-18769-SC.html Sir, I`m Pankaj R. Patel at Vadodara. My Policy No.0060567401, Since Year 2007, I`ve not received my account statement from your side..... I wish to withdraw my capital..... So, What to Do???? My Mobile No. 09898415569.... Please call me or send account statement at my address...... Pankaj R. Patel Sat, 16 Jul 2011 17:22:35 http://www.clientcomplain.com/HDFC_ERGO_GENERAL_INSURANCE_COMPANY_LIMITED-Complains-18764-SC.html DUE TO MY PERSONAL REASON IAM UNABLE TO CONTINUE BOTH INSURANCE POLICY SO,KINDLY CANCEL MY POLICY TO AVOID UPCOMING DUE AMOUNT gururanjithkumar Sat, 16 Jul 2011 11:22:50 http://www.clientcomplain.com/Reliance_Traditional_super_investAssure_plane-Complains-18706-SC.html dear sir, i have taken the two policy as above subject i have paid both premium but i have not got receipt my policy,17283223,and second is 17283942 so therefor you giveme the answer my premium reach to you or not.my name is yashvantray,and my wife's name is kalavti, i want to surrender my both policy after two years,how can we get money also say loss give me answer as early as possible. thanks. my id. is yashvantray9999@yahoo.com yashvantraysomnath Acharya Tue, 12 Jul 2011 16:46:05 http://www.clientcomplain.com/icici_pru_pinnacle-Complains-18653-SC.html i have bought a policy of icici prudential named icici pru pinnacle and one of companies employee named sampada came to my house for selling this policy to me. she explained me the details about the policy but did not tell me anything about the charges of buying the policy. i have everything that she explained on a piece of paper. Now that i have bought 2 policies worth 3 lakh they have charged my 16,000 for both policies. this is a total fraud and ow they say that every year some amount will be deducted. this is unfair to customers belief and this is an offense in the eye of law and should be punishable. Anuvinder Singh Sat, 09 Jul 2011 16:31:14 http://www.clientcomplain.com/BIRLA_SUNLIFE_INSURANCE_COMPANY_LOOTETI_HE-Complains-18613-SC.html SIR, MAINE EK POLICY NO.004069664 DT.17/04/2010 KO MONTHLY PAYMENT RS.2500/PM KI BOOK KI THI. AAJ MERE PASS MERI POLICY ACCOUNT STATEMENT AAYI HE. USKO DEKHKR MUJHE SHOCK LGA HE. PER MONTH INTIME PAYMENT KRNE PR BHI MUJHE ISME HEAVY LOSS SHOW HO RHA HE. MAINE POLICY PROFIT K LIYE KI THI ,LOSS K LIYE NHI. JB MAINE COMPANY ME BAAT KI TO UNHONE KHA KI RS.13000/- LEKR POLICY BAND KR LO.MEANS RS.17000/- LOSS IN ONE YEAR YE COMPANY BHUT BDI LOOTERI HE IS SE BACH K RHNA9195MG naresh sharma Thu, 07 Jul 2011 17:44:45 http://www.clientcomplain.com/ICICI_PRU_LIFE_SMART_KID-Complains-18586-SC.html Dear Sir I Am from jagdalpur.I have the child polcy in icici pru life my app no. -LL 38232802 and policy no is 14969997.I got the messagefrom icici bank that there are prize for the policy for a child like school bag and etc. except tamilnadu now the manager of the jagdalpur branch(C.G.) are refusing to give this prize for my chid and saying it is only for metro city.please make me confirm for this that what is the meaning of this message it is true or false if it is true take the action against the manager of the jagdalpur branch . and give the benifit to me for this policy so i can belive in this . I am waiting for your reply and action against the manager of jagdalpur branch. Thanking you With Regards Shriniwas rao Jagdalpur Chattisgerh policy no- 14969997 9407717645 Shriniwas Rao Wed, 06 Jul 2011 12:54:41 http://www.clientcomplain.com/Birla_Sunlife_Insurance-Complains-18562-SC.html SIR, MAINE EK POLICY NO.004069664 DT.17/04/2010 KO MONTHLY PAYMENT RS.2500/PM KI BOOK KI THI. AAJ MERE PASS MERI POLICY ACCOUNT STATEMENT AAYI HE. USKO DEKHKR MUJHE SHOCK LGA HE. PER MONTH INTIME PAYMENT KRNE PR BHI MUJHE ISME HEAVY LOSS SHOW HO RHA HE. MAINE POLICY PROFIT K LIYE KI THI ,LOSS K LIYE NHI. SO I REQUEST YOU THAT THIS POLICY STOP IMMEDIATELY, AND INFORM ME.BECAUSE I AM NOT INTERESTED TO CONTINUE THIS POLICY. I THINK YE MERE SAATH DHOKHA KIYA GYA HE.MAINE ABHI TKABOUT RS.40000/-DEPOSIT KIYA HE .MUJHE WO WITHOUT ANY INTREST FULL AMOUNT HI BACK CHAHIYE. ABHI TK DEALING KRKE MUJHE LGTA HE KI YE INSURANCE K BHANE PUBLIC KO LOOT RHE HE. PLEASE IS SE BCH K RHNA naresh sharma Tue, 05 Jul 2011 11:34:34 http://www.clientcomplain.com/LIFE_INSURANCE_CORPORATION_OF_INDIA-Complains-18555-SC.html Ihave policy which is yet after the date of maturity and my maturity date was 28.05.2011 and I have submitted my maturity voucher duly signed by me. My policy is at Branch No. 3 situated at 14 Madan Street, Kolkata-72 under K.M.D.O-I Please arrange the maturity cheque with penalty interest from the due date. I hope your necessary action. Thanking you, Yours faithfully, Joy Maulik C/o, Mohan Banerjee Barasat, Near Seth Pukur Dist: 24 Pgns(N)pin: 743201 Joy M aulik Mon, 04 Jul 2011 23:27:58 http://www.clientcomplain.com/LIFE_INSURENCE_INDIA-Complains-18489-SC.html I AM BUYING 1 LIC MARKET PLUS PICICY AND I CONTINUE TO PAY THE PREMIUM, BUT IN FEBUARY MONT 2011 I AM GIVING THE PAYMENT THROUGH ONLINE AND I ALSO GET THE RECIPT THE FROM PREMIUM PAYING COUNTER,NOW THE PROBLEM CREAT ON MAY MONTH 2011 WHILE I GIVEN THE PREMIUM THROUGH ONLINE SYSTEM IS BEEN SHOW MY FEBRUARY MONTH PREMIUM IS DUE,,SO PLS GIVE ME THE SOLUTION HOW TO CONTINUE IT,, POLICI NO - 577678560. AMBARISH BISWAS Fri, 01 Jul 2011 14:23:53 http://www.clientcomplain.com/SBI_Shubh_Nivesh-Complains-18477-SC.html Hi Madam/Sir, This is to inform you i (Sunny Michael) having a SBI life insurance policy product name is Shubh Nivesh in the month of October 31, 2010 but it has worong as the agent told me. Now i want to do cancel out the policy and send back my money which is amounting Rs.6000/-. Please give me suggestion for getting money back as soon as possible. With Regards, Sunny Michael Sunny Michael Thu, 30 Jun 2011 22:59:27 http://www.clientcomplain.com/LIC_of_India-Complains-18408-SC.html My LIC policy NO:842008500 dt12-11-2002 for Rs100000. i claimed on 21-10-2010 and got claim after some time and it has got still life for unfortunate happenings as per terms and conditions of policy. But after receiving amount i have not received my original policy. when asked at the branch of LIC at Naidupet Nellore dt A.P, THEY REPLIED THEY HAD MISPLACED SOME WHERE AND THEY ARE TRYING.this reply they are giving since 7 months.Till date they have not returned my policy. kindly pursue' thanq dt27-06-2011 avrmohanarao Mon, 27 Jun 2011 21:49:35