Keep the copy of bank statement/copy of pass book showing the two payments ready.
Send a letter to the MD,by registered post stating facts that:
You had dispatched cheque number…….Dated………..for Rs…..drawn on bank……from your savings bank a/c number…….on dated …………in a sealed cover addressed to ………..office of the company by the Indian Postal service.
As a responsible citizen and customer of the company on dated you called from your phone number……….at company's phone number………and your phone call was attended by ……… designation…….who stated that he/she has checked the company records and have to state that the cheque number…….Dated………..for Rs…..has not been received by the company and if the same is received the same shall be returned by registered post/speed post with the requisite letter, and asked you to pay the amount of premium by online transaction and guided you on the procedure for the same. Believing the authorized representative you arranged for the online payment and received the automatic receipt.
However your company has broken your faith since instead of returning the cheque your company has banked it and collected the payment, and thus has collected the double the due amount and top of that despite the unlimited numbers of representations vide your emails dated ………….your company has neither acknowledged the communications nor refunded the excess premium collected by unfair means, and has not apologized for the bad conduct/unfair trade practices/illegal act. You are shocked and been cheated by your company staff, of your hard earned money, and is facing financial hardships, mental tension, and no one including the higher, and highest authority has acted on your complaints, hence you are constrained to surmise that this act of financial; misappropriation of customers hard earned money is happening in collusion with the highest authorities of the company, and ask them to supply you the copies and details of all such complaints of excess premiums collected so or you shall be constrained to surmise that your company is habitual offender.
Ask them to supply you the reply, refund of excess payment with interest, (claim damages) within..Days of receipt of your letter/notice or you shall be at liberty to initiate suitable legal action and shall be at liberty to approach the institutions of Print and electronic media, police, NGO's, Courts of law, regulators, Ministries… at your cost and consequences.
At the same time lodge a written complaint stating facts to local police station SHO and commissioner of police/SSP and obtain complaint number on the copy of your complaint, and mention address, phone numbers, and Branch mangers name phone number, of local office of the company.
This should work. The company may approach you on phone. It is your choice to entertain. It shall be better to insist on a written reply.
You can lodge a complaint with RBI, IRDA, , Insurance Ombudsman, Consumer Court. You shall be able to get order in your favour, litigation cost, payment of penalty, refund with interest. In consumer court, your presence is not neccessary if you file thru your lawyer.
File complaint everywhere, and undo the wrong done to you.Don't settle for less.
Henceforth deposit in local branch under receipt, and be careful.
