defruading by misgivings and anauthorised debits in credit card A/c.
Complaint
vaishali samant
Country: India
I ,Vaishali Sailendra Samant,aged 38,an Indian resident, residing at, 401,Babu
nivas,tukaram Nagar,Dombivli(east),thane,maharashrta,India,401202,
address you as under.
1)That I was induced to get issued a credit card using my details with Amway
Distributors. The customer id is:6437428and the No. of credit card so issued
is 4477465017983009.
2) Having doubts of intentions of issuing the credit card even though I was reluctant to
have one, I decided not to activate my A/c as the terms and conditions were not
agreeable to me.
3)One day I received a telephone call from one calling himself as Vicky
Malhotra and said that I(Myself) was one of the thirty Amway clients those are selected
to get insurance policies free of costs and collected the details of mine and of my son
saying that the policies are issued absolutely free. I had time and again told that chap
that I was not at all interested in any policy what so ever and will not pay a single
farthing towards those policies and he said that I need not pay any.
4)In the second week of Jan .2009 I received two policies viz. pol.
No10481433&pol.No.10478807along with few documents about which I understand
nothing. I was neither told about the premiums nor I agreed to pay any at any point of
time.
5)the policy first premium receipt sent with the documents indicate that I have made
payments of rs.9791& rs.3827 wide cheques no.774426&258869 respectively. The
cheque date .and Name of bank is blank. it indicated that I had issued the cheques
whereas I had never issued those cheques and we thought that the premium was paid
by the bank or the agent as the policies were offered free of cost. Even though I had
never subscribed to any premium what so ever and had never accepted the terms and
conditions of the said policies as I was never told anything about the amounts and
premiums of those policies.
6)OnJan.2009 I received a credit card statement showing a debit of rs.15301.debited to
my credit card a/c. which I never activated nor I gave any consent to debit that Amount
from my credit card A/c.
7)On Jan 182009 at 11.45A.M&11.49A.m.I received two phone calls on My Mobile No.9322815139 from L.L.No.02241610900 alleging that I had spent from my credit card the said sums in Delhi. in bars,restorents,molls ect. I crave leave to refer to those conversations between the caller and myself on my mobile. My several request to investigate and to book the caller are intentionally turndown by the so called investigating executives showing deficiency in service. Then again I received repeated phone calls from your billing/recovery departments only to harass me.
7)Again I received another statement of credit card a/c.which shows increased debit to my A/c. which shows that no cognizance is paid to my complaint both by icici prudential and also by icici bank credit card department, as this case was to be handled jointly by both the icici departments in coordination ,instead they tossed the complaints to others in rotation only to harass me. I spend lot of money in sending the replies to all those formal
drama type replies yielding nothing .
8)I had requested to all the concerned departments by sending various emails requesting
to revert the debits as per rules and to book the culprits and to disclose their identity but
up till now you have played the tossing game ,tossing the complaints to one another, to
shield the culprits to the conspiracy as usual, yielding nothing.
8)So you are requested to give all the details as demanded ,cancel the policies as I had
never agreed to pay any premium what so ever, credit the amounts fraudulently debited
to my credit card A/c.as per the rules of R.B.I.and to pay a token sum of Rs.10,000/-(Rupees ten thousand only) as damages so caused to me by your illegal ,fraudulent acts
and actions. I keep my right reserved to demand greater amounts if this Amount is found
very less. You are free to recover the amounts from the culprits and pay me.
9)Failure to meet the above demands you requested to show cause why the
legal,civil,criminal proceedings should not be instituted against you to seek damages
caused to me by irresponsible, illegal acts of the entire team to the conspiracy( without
prejudice to my rights to seek other lawful, legal remedies available to me )obviously
at your responsibility as to costs and consequences.
10)Hope that wise counsel will prevail upon you, you will consider all the pros and cons
of this matter, will comply with the requisitions contained in this notice immediately
and will not compel me to take steps ,unpleasant as they are, against those
irresponsible to cause me such mental strain and stress and monitory losses. .
Yours Truly,
(Vaishali Shailendra Samant)
nivas,tukaram Nagar,Dombivli(east),thane,maharashrta,India,401202,
address you as under.
1)That I was induced to get issued a credit card using my details with Amway
Distributors. The customer id is:6437428and the No. of credit card so issued
is 4477465017983009.
2) Having doubts of intentions of issuing the credit card even though I was reluctant to
have one, I decided not to activate my A/c as the terms and conditions were not
agreeable to me.
3)One day I received a telephone call from one calling himself as Vicky
Malhotra and said that I(Myself) was one of the thirty Amway clients those are selected
to get insurance policies free of costs and collected the details of mine and of my son
saying that the policies are issued absolutely free. I had time and again told that chap
that I was not at all interested in any policy what so ever and will not pay a single
farthing towards those policies and he said that I need not pay any.
4)In the second week of Jan .2009 I received two policies viz. pol.
No10481433&pol.No.10478807along with few documents about which I understand
nothing. I was neither told about the premiums nor I agreed to pay any at any point of
time.
5)the policy first premium receipt sent with the documents indicate that I have made
payments of rs.9791& rs.3827 wide cheques no.774426&258869 respectively. The
cheque date .and Name of bank is blank. it indicated that I had issued the cheques
whereas I had never issued those cheques and we thought that the premium was paid
by the bank or the agent as the policies were offered free of cost. Even though I had
never subscribed to any premium what so ever and had never accepted the terms and
conditions of the said policies as I was never told anything about the amounts and
premiums of those policies.
6)OnJan.2009 I received a credit card statement showing a debit of rs.15301.debited to
my credit card a/c. which I never activated nor I gave any consent to debit that Amount
from my credit card A/c.
7)On Jan 182009 at 11.45A.M&11.49A.m.I received two phone calls on My Mobile No.9322815139 from L.L.No.02241610900 alleging that I had spent from my credit card the said sums in Delhi. in bars,restorents,molls ect. I crave leave to refer to those conversations between the caller and myself on my mobile. My several request to investigate and to book the caller are intentionally turndown by the so called investigating executives showing deficiency in service. Then again I received repeated phone calls from your billing/recovery departments only to harass me.
7)Again I received another statement of credit card a/c.which shows increased debit to my A/c. which shows that no cognizance is paid to my complaint both by icici prudential and also by icici bank credit card department, as this case was to be handled jointly by both the icici departments in coordination ,instead they tossed the complaints to others in rotation only to harass me. I spend lot of money in sending the replies to all those formal
drama type replies yielding nothing .
8)I had requested to all the concerned departments by sending various emails requesting
to revert the debits as per rules and to book the culprits and to disclose their identity but
up till now you have played the tossing game ,tossing the complaints to one another, to
shield the culprits to the conspiracy as usual, yielding nothing.
8)So you are requested to give all the details as demanded ,cancel the policies as I had
never agreed to pay any premium what so ever, credit the amounts fraudulently debited
to my credit card A/c.as per the rules of R.B.I.and to pay a token sum of Rs.10,000/-(Rupees ten thousand only) as damages so caused to me by your illegal ,fraudulent acts
and actions. I keep my right reserved to demand greater amounts if this Amount is found
very less. You are free to recover the amounts from the culprits and pay me.
9)Failure to meet the above demands you requested to show cause why the
legal,civil,criminal proceedings should not be instituted against you to seek damages
caused to me by irresponsible, illegal acts of the entire team to the conspiracy( without
prejudice to my rights to seek other lawful, legal remedies available to me )obviously
at your responsibility as to costs and consequences.
10)Hope that wise counsel will prevail upon you, you will consider all the pros and cons
of this matter, will comply with the requisitions contained in this notice immediately
and will not compel me to take steps ,unpleasant as they are, against those
irresponsible to cause me such mental strain and stress and monitory losses. .
Yours Truly,
(Vaishali Shailendra Samant)
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