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Date : Mar 9, 2009

Question

I have a Manhattan credit card. 2 years back I had taken a medical insurance policy for my parents from Royal Sundaram through this credit card. I had not signed any documents except for verbal confirmation to purchase the policy at that time (as far as I remember). This call was recorded. The policy was for 2 years. Now after 2 years after the term expiry Royal Sundaram has automatically renewed this policy and debited my Manhattan credit card without my knowledge. I called up Manhattan and asked them to revert back the charges as I have not authorized or given ECS to anybody towards this card. They have reverted only 85% of the amount and are insisting that I will have to pay the remaining amount. They are also saying they cannot do anything in this regard and I should contact Royal Sundarm for this. My question is whether a policy can be automatically renewed without my consent? And if it can be, then are they eligible to charge my credit card without consulting me? Also how could Manhattan allow the amount to be debited from my credit card account without my consent? Thanks, Satish

Answer

Kindly make a complaint on a bank's website. If you do not receive a satisfactory/any response within 2-3 weeks, please approach the Banking Ombudsman. The details are available on bankingombudsman.rbi.org.in

 

 

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