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I have taken a Home loan from ICICI BANK Floating Base they hiked the interest rate day by day they have charged the Interest up to 16.5% P.A. currently they are charging 16.25% while they are giving the loan to new customers @10.25% to 10.50%. on what basis they charging such a higher rate from me (existing customer). I want my All money Back with interest, which they have charged extra from me during my tenure of loan. I will furnish the loan statement when you required in further communication.
Hi My policy number: 01744109 3 years back a agent from Kotak approached my father and asked us to invest 1 lakh Rs, he said locking period is 3 years only, my father invested his lifetime earnings of 1 lakh on the insurance scheme given by kotak, later with bond my father approached him, there he told my father that this policy is for 20 years but locking period is 3 years, you can take back money anytime after 3 years. We are middle class people, agent has misguided and made 20 years policy and made us to pay 1 lakh per year, how can we get that much money. We are staying in rented house, So many other commitments are there. In this how to arrange 1 lack per year to pay the policy. Somehow first year my dad had his retirement earnings and invested thinking its just 3 years policy. But now its turning so bad that, we need to pay 1 lack for 20 years My father age is 60, i have a sister also we need money for her marriage. In this time from where we need to arrange money. our condition is very critical. I kindly request you to please refund our money.
I have availed HDFC Home loan in the year 2008 , i was charged 8.25% . that was fixed for 2 years , after the fixed tenure they are charging 11.50%. i checked online and also other people they have been charged 10.50%.
Why i have been charged extra.
Hi, i went to velacherry branch to find good mutual funds in sip and savings, they gave me the bad insurance product and hide the maturity period
and same in mutual funds misguided me by hiding lockin period for every installment.
later I recognised and changed my insurance through insurance provides and went to same branch and asked to cancel my sip in mutual funds they gave me a form to cancel it after filling they said they will cancel in month but even after 3 months they didnt respond, no response from them again and again
please dont belive the bajaj finance
Sir, in April-12 Live Wire Corporate Agent sell policy on phone call . they said they are from Bharti Axa Life Insurance. They propose many benifit like cash back on premium upto 20%, Child scholarship & medical Cover lakhs. they asked me to wait for bond paper that will come after welcome kit. in this time free look up period past away. I dn\\\'t not received any bond paper. Bharti Axa said there is no such bond paper. so company denied my complaint against their broker. please suggest what should i do?
I purchased a policy(781351689) in the name of health insurance from Max life insurance co.ltd. but company & the employees of the company cheated me or falsely detailed the plan to me for their personal benefit ,they give me a unit linked product instead of a health insurance policy,I canâ€™t received any bond or other paper related to this policy.i paid(1) 50,000/- on 31-07-2010 by cheque no.004293(bank of baroda)__(2)50,000/-on 29-03-2011 through cheque no.110710(bank of baroda).Max Life Insurance co.ltd.donâ€™t pay attention to my complaints verbally then I complaint a written letter to max life on 19-01-2013,even after they donâ€™t give any attention.i am a old age person this is not possible for me to follow up Max life insurance company ,who are in cheating intentions. please help me,otherwise I am ready to go consumer forum.
I am Abhinav Kukreja, had taken 2 policies of Max NewYork Life Insurance, Policy No: 713424257 and 456495464. I had paid the first installment of Rs: 50000/- (2 policies) in 2008 after which i couldn\\\\\\\'t pay due to financial problem and had to discontinue. I would like to know is there any way IRDA or any court help me recover my original amount or make a new policy and utilize my existing money of Rs: 50000/-. We belong to middle class family and loosing 50000/- is a big amount for us.
a call have been received by me and the caller was telling he is manager of Reliance Life Insurance com. he assured me that he will converet my lapsed bajaj allianz policy to reliance insurance policy with a handsom return from company within six months. all the details were provived on call and a reliance insurance form was sent to me by mail. He has advised me to fill the form and return the same with a cheque of Rs. 50,000.00 only in favour of Reliance Life Insurance Company Ltd with a cancelled check.a policy was issued to me to having policy no- 50707449. again a call was received after some day by the same person and demand a Rs. of 90,000.00 for giving me handsom bonous in the month of august\\\'2013. again a insurance policy was issued to me having policy no- 50789724. and in the same manner again Rs. 49,000.00 was taken by me with the commitment of bonous. and a policy was issued to me -50874150 They every time advisor assured me over phone it is the policy only for show, the original bond containing the details of bonous will be sent to you shortly. this is completely a fraud with me. no clear information was provided to me. i am unable to continue my policy.please arrange to return my money as it is a case of fraud. and also blacklist your third party agency (broker). now the persons who were calling me are out of reach over mobile.
When all other banks are reducing the rate of interests, HDFC is moving very slowly. It seems they are not at all interested to reduce ROI. SBI has given a blow to HDFC by reducing its ROI. Existing loan customers of HDFC are thinking and shifting their loan to SBI. Now, HDFC is feeling the real heat. When existing customers approaced HDFC for asking to reduce their ROI, HDFC is asking them to pay 0.5% on the loan amount so they can change the ROI to 10.25%. When asked why to pay 0.5% as we are existing customers they say it as conversion charges. This is really ridiculous. Can\\\'t HDFC do the same without charging 0.5% for existing customers? HDFC only wants to earn good money, they don\\\'t follow any ethics. They will be on top whenever they get chance to increase ROI. We also heard that it increased precloser charges from 2% to 3% making existing customers to stick with them by paying high ROI to them. They don\\\'t even inform any customers about the latest updates. How would an existing customer will know that HDFC is offering to reducing ROI by charging 0.5% on loan amount? HDFC has to change their mindsets and also all the existing customers should fight with HDFC for a fair business.
Max insurance agent told that the policy is like if he pays premium for 3years the premium whill get doubled in 5years, beieving the agent my father took 2 policies and he is not a literate man therefore he paid money time to time for 3 years and according to the agent advise he was waiting for five years to get completed. When he went to office and he got to know that he has deposited 75000/ and he has only paid 50%. so what can i do my agent is not replying and he has also changed the job. i ineed money, only my money not the interest and all pls help me and give money my second policy it is also of same type. I need money for my daughter marriage.
I bought a policy from Bajaj Allianze Life Insurance. And i have been paying the premium of INR 70000 from last 3 years. However, I had gone the company office for the surrender of policy. And they told me if I surrender the same. The total deduction would be 50% of the total premium paid by me. At the time of purchasing this policy, the agent had misguide us. They told me that if u pay the premium. You would get 16% of interdental each year and you can cancel the policy after 3 years. He had never told me regarding Surrender charges. As per understanding the surrender charges is only 4 % if I cancel the policy the after 3 premium. Request you to please do something regarding this matter. Please feel free to call me. And kindly suggest me the right way, should I go to the consumer forum or raise a RTI against the company Thanks in advance.
Respected sir With due regard I want to say that I have given a \\\\\\\\\\\\\\\'RELIENCE LIFE INSURANCE POLICY in Jan 2011 after misleading assurance by Agent of Relience That he is giving single premium plan. I signed the Policy paper in good faith. I did not received Policy Bond quite longer time so I phoned on contact numbers provided by agent ( Mobile Numbers - 9311198659, 98889699368, 8009661133 ) . After a long effort I received my policy in month of June-July 2011 by speed post. I shocked to see the policy , it was not a single premium policy as it was said to me earlier during selling. It was a annual premium policy for 10 years . This policy was sale to me misleadingly , so I have decided for cancellation . Further photocopy of address proof on my policy bond is also false. Initially I tied it on telephone on above numbers, they have console me that they will correct, but then I found that they not helping to consumerâ€™s complain at all. . In reply The Relience Life Insurance company given a letter on 22nd October 2011 saying that our request is beyond Free Look Period so request for cancellation was denied. Seeing the reply I further loose confidence in Relience Life Insurance company . Even the behavior of company was very ignorant to consumer and Because as a consumer I have to loss of approx Rs.50 000.00 , I continue my effort and request further for cancellation of my policy \\\\\\\\\\\\\\\'RELIENCE LIFE INSURENCE MONEY MULTIPLIER PLAN ( Policy /Contact No. 18383391)\\\\\\\\\\\\\\\' with name of Mr Ramesh kumar Ojha with UIN Number - 121N 079V01. In context, I have given an Email to Relience Office on Email address as email@example.com on 24 May 2012. I received an Email on 25 may 2012 providing a format , which I have to fill and send back on above Email address along with a cancelled cheque with signature.
We have taken a home loan from ICICI bank in Mumbai 2006 . in that time bank charged rate of interest 9.00 p.a at floating . But when RBI increased interest rate time to time the bank also increased it . But now RBI interest rate going down than ICICI bank also going down own interest rate 13 to 11.5 . My question is that what is meaning of floating rates? The current rates far below around 9.00 %rates in many banks. Why ICICI is charging me 11.50 %in my opinion all of home loan customer of bank should be organized and strongly oppose and object to bank and government also pay attention because this is un justice with Indian people
Sir the rate of which by ICICI bank is 12.75% but the actual rate of interest is only 8.75%. After doing repeated complaint nobody is listening in this matter. Please do the needful. My Home loan account no.isLBKAN00000713535
I had availed SBI home loan in the month of November, 2008 for period of 15 years and opted flexible rate of interest. It is well known to you that with the passage of time all leading banks have curtailed interest rate on housing loan applicable to existent customers but SBI emphasised on to make new customer by offering lucrative rate of interest. However, no benefit is extended to the customer who availed loan prior to the launching of new schemes. SBI urges that due to high lending rate it is not possible to bank to give relaxation to the customers. The pleas of SBI appears meaningless as other banks are giving relaxation to their old customers. I really feel betrayed as I had opted flexible rate of interest but flexibility is deliberately seized by SBI. It may also be mentioned if the rate of interest goes on higher side whether there will be any impact on customers who were denied benefit of interest cut. I am sure that in that circumstances SBI will not forget to transfer burden on old customer by increasing rate of interest. Please think positively and extend benefit of interest cut to your old customer too.
i purchase pension plan on 31.01.2012 from above co. my policy no 500-8297995 for 7 yr premium rs 30000/- per annum. it is a promotional policy specially offered to seleted person . they promised 25% of premium would be cash back to your a/c within 45 to 75 days (rs 7500/-) per year premium and will get rs 400000/- medical insurance for your family per year and rs 1667/- pm scholorship to your 1child for six year from aug 2012.but niether i recieved cash back nor medical insurance card & details also not mentioned in policy. please take necessary action
I have my policy no.444132948 in the name of Ravleen Kaur and gave three 6 monthly installments of RS 10000 each. Due to non payment of remaining policies due to personal reasons, my policy is lapsed. Now I want to renew policy. Please suggest me how can it be done as when I approached the company they said no to it. Reply asap with complete details. Contact number 9216055558
Dear Gaganbir Singh,
Kindly contact the Max New York Customer Care on Toll free numbers 1800 200 5577 in order to resolve your complaint. Kindly read the policy fine print during the 15 day grace period. Remember always pay your premiums on time. You would now have to pay a higher premium on renewability. You can always look up the website IndianMoney.com for your insurance needs.
Sold Policy by Fraud means
This is regarding the application no: 12-12-009817. This is a very big fraud I have ever faced. I would like to brief you the case. One day I received a call from a landline no. stating that we are calling from Bharti axa and we are celeberating our anniversary thatâ€™s why our company is providing a very good scheme to you, that will be applicable if you book the same within 5 days. In that communication that guy told me about the medical claim benefits in the policy for my whole family, as I was looking for the same, I agreed. Along with that a lot of other benefit also stated which I have not found anywhere in policy. I didnâ€™t record all the benefits because I knew that if I would not find the said benefit available in the policy I will cancel within the given timeline but at this place a very big game played with me. I was provided a contact no(08802991454) saying that this is bharti axa helpline no. you can contact here for any query. 10 days After paying the amount of Rs.20000 I called on that no and asked about the policy documents and I was told that it will come after few days, I donâ€™t remember the exact no of days quoted. After some days I got a call from my home(Phulera-jaipur) that some documents from Bharti axa have come, as my parents doesnâ€™t know English properly so they couldnâ€™t brief me what exactly it was. Then I again called on the helpline no and asked that some documents from bharti axa had been received at my home town. I asked whether that was the policy ,I was told Sir, that is not a policy it is just a welcome kit, you will receive your policy after 1 month. Again I called after 1 month on the same no. and I was told that this not any bharti axa no. why are you calling and troubling me. I was really shocked then I immediately call at my home and asked my father to courier the documents of bharti axa. When I received the policy I was shocked to see there was nothing that I have been told. Here I would like to mention that I requested that I want all my papers at my living place surat not at my home town. I was assured everything would be sent to you at your surat address only and I had filled a form also for that purpose. Purposefully the policy has been sent to my home town
Mis selling of Policy
This is to let you know that I had a policy with Birla Sun Life under policy number.004521301(old policy num) Which I want to Close and as such I talked about the same with one of Birla Sun Life Executive Mr Abhishek Madan on dated 25/09/2012.and as per the norms I would get my premium paid back along with the interest @ 8% and according to him for that I had to deposit a security of 30000/- which i already paid to him but in place of this he gave me an another policy of 30000/- (005813391)for which is said is a temporary policy and will be refunded in my account soon and also told me you won 20Gram gold coin As company god good profit, on your old policy but you have to pay 20000 as a security to take those coin,but again he open again a new policy(005816824) I waited for this to be cleared and get my premium amount plus interest paid thereon buy after 15 -20 days neither i got my earlier old policy nor I got my Rs 50000/- back, When I contacted to Rajendra place (6 th Floor, Plot No:-23, Agarwal Corporate Tower Rajendra Place, New Delhi-110008) Branch they informed me that it is a case of miss selling and told me to submit a application against the same, I submit my application on 26/12/2012 ,they told me it will resolved within 15days but still I have not get any revert from them, to Take a necessary action and close my 2 new policy with policy num.005816824 and 005813391 at urgent as i am very tense to my money this time and relieve me from this trauma as I need Some money immediately.
Thanks & Regards
I had availed SBI home loan in the month of November, 2008 for period of 15 years and opted flexible rate of interest. It is well known to you that with the passage of time all leading banks have curtailed interest rate on housing loan applicable to existent customers but SBI emphasized on to make new customer by offering lucrative rate of interest. However, no benefit is extended to the customer who availed loan prior to the launching of new schemes. SBI urges that due to high lending rate it is not possible to bank to give relaxation to the customers. The pleas of SBI appears meaningless as other banks are giving relaxation to their old customers. I really feel betrayed as I had opted flexible rate of interest but flexibility is deliberately seized by SBI. It may also be mentioned if the rate of interest goes on higher side whether there will be any impact on customers who were denied benefit of interest cut. I am sure that in that circumstances SBI will not forget to transfer burden on old customer by increasing rate of interest. Please think positively and extend benefit of interest cut to your old customer too