NANDKUMAR B. SAWANT.,M.COM.LL.B.(MUMBAI),ADVOCATE
MOBILE.09325226691 . 09271971251,
e.mail.adv.nbsawant@yahoo.co.in
e.mail.nandkumarbs@sify.com
REGARDING YOUR POLICY WITH ICICI KINDLY NOTE THAT
1. KINDLY NOTE THAT YOU HAVE SUBMITED A POLICY PROPOSAL FORM TO I.C.I.C.I PRUDENTIAL WITH YOUR OWN CONCENT .YOU WERE CONVINCED FOR POLICY IN PLACE OF FIXED DEPOSIT HENCE IT IS VOLUNTARY PROPOSAL SIGNED BY YOU.
2.YOUR PROPOSAL OF POLICY WAS ACCEPTED BY THE I.C.I.C.I .PRUDENTIAL.
3 KINDLY NOTE THAT IT IS A CONTRACT WHICH CAN BE LEGALY ENFORCED.
4YOUR CONTENTION THAT YOUR TERM OF POLICY WAS ALTERED , THIS FACT YOU HAVE TO PROVE, AND IT IS NOT THAT EASY. IT MAY BE DUE TO THE AMOUNT PAID BY YOU TOWARDS INSTALMENT MIGHT NOT BE MATCHING THE TERM OF POLICY .BUT THE CONCERNED SHOULD HAVE INFORMED YOU.
5.KINDLY NOTE THAT YOU ARE INSURED AND IT IS A GOOD THING FROM THE SAFETY POINT OF VIEW OF YOUR FAMILY AND NOMINEE.
6 I SUGGEST AS TERM IS 23 YEARS THE PREMIUM WILL BE VERY LESS AND YOU ARE GETING LIFE COVER AND PROTECTION FOR YOUR FAMILY.IN CASE YOU CAN AFFORD ,AND YOU DONOT HAVE ANY OTHER POLICY KINDLY CONTINUE THE POLICY.
7 BUT IF YOU DO NOT WISH TO CONTINUE THE POLICY , THEN FILE A COMPLAINT TO THE BRANCH MANAGER AND SEND A COPY TO THE HIGHEST AUTHORITIES OF THE I.C.I.C.I PRUDENTIAL AND PRAY FOR THE RELIEF YOU WANT EITHER REFUND( IT WILL BE VERY LESS DEPENDING ON YOUR PREMIUM INSTALMENTS PAID ANDSURRENDER VALUE. OR CONVERT IT IN TO OTHER OPTIONS.KINDLY GO THROUGH THE TERMS AND CONDITIONS PRINTED ON YOUR POLICY DOCUMENT.KINDLY SEND THIS COMPLAINT BY REGISTERED POST/SPEED POST A.D. TJAT WILL BE PROOF OF CAUSE OF ACTION FOR COURT MATTER.
8.YOU MAY FILE A CONSUMER COMPLAINT AT DIST. CONSUMER COURT AND CLAIM FOR DAMAGES COST AND COMPENSATION FOR DEFFICIENCY IN SERVICE. THIS WILL COST YOU VERY LESS AND YOU MAY GET DESIRED RELIEF.
9 YOU CAN FILE A CIVIL SUIT ALSO BUT YOU HAVE TO PAY HEAVY STAMPS FOR THAT.
10 FILING CRIMINAL COMPLAINT WILL NOT BE ADVISIBLE BECAUSE IT WILL BE DIFFICULT FOR YOU TO PROVE WITHOUT THE DOCUMENTARY EVIDENCE AND COPY OF YOUR APPLICATION.
IN CASE YOU NEED ANY FURTHER DETAILS KINDLY SEND DETAILS.
THANKING YOU
YOURS SINCERELY
NANDKUMAR B.SAWANT..,M.COM.LL.B.(MUMBAI),ADVOCATE