I bought a car insurance policy through my credit card company. Amex gave me a car insurance policy through ICICI Lombard and this insurance amount was charged to my card in 12 monthly interest free installments. I did not receive the insurance policy so a month later I requested the bank to cancel the same. I have cancelled the insurance policy in question and bought another one. However, the problem is that I am being charged (on my credit card) with the installment for the premium. I have sent numerous letters and requests to Amex as well as ICICI Lombard, but there has been no response so far. What do I do? I don’t want to pay these charges and I am getting billed extra interest charges, service tax and many other such charges.