freelook cancellation notice not acted upon by the insurance

Posted: Thu Jun 17, 2010 11:56 pm Post Subject: freelook cancellation of insurance policy not acted upon by

max, regret to mention that my last 3-4 mails have not been taken on record, giving clear cut indications that even professional persons like you are not transparent, as is expected. By not concluding the subject to its logical conclusion, you have avoided the issue, may be on racial grounds, as I am not an american, as declared earlier. But the benefits of my experience were intended for USA people, which why you estopped in between ?
regret your modus operandi. rgds ...........sk

Posted: Fri Jun 18, 2010 04:55 am Post Subject:

SK . . .

YOU ARE COMPLETELY OUT OF LINE!!

No one here -- except you just now -- has remotely considered anything as "racially" motivated. You are acting as if you are insane!

First, you are the one who has steadfastly REFUSED to let anyone here know what country you are from -- so anything ethnic or racial is of your own imagination. Those of us who conduct ourselves with the highest degree of ethical behavior would never think of such discriminatory acts -- which are also unlawful.

Second, there is ABSOLUTELY NO BENEFIT TO ANYONE IN THE U.S. contained in this thread from the scant details you have provided, including anyone who might be from your "country", whatever it is. How many times have you been told -- and not only by me -- that the things you assert as having happened to you WOULD NEVER OCCUR in the U.S. No one here has to worry about such "corporate" behaviors as you have described.

Third, despite our repeated efforts to find out, no one even knows what kind of insurance product this whole thread was about, including me.

By not concluding the subject to its logical conclusion, you have avoided the issue

regret to mention that my last 3-4 mails have not been taken on record

Posted: Fri Jun 18, 2010 10:29 am Post Subject:

SK, come on now, this has went from ridiculous, to outrageous...Max is right you ARE out of line. The ONLY bigotry in this thread has come from you.

What is it you want from us? We can't help you with your problem (which apparently is fine now) beause you won't tell us what the product or the country of origin is. Two US citizens have told you what you discribe could NEVER happen here, so no need for you to worry about us.

Once again, WHAT DO YOU WANT?

And by the way, I'm about as transparent as you can get buddy....what you see is what you get with this old broad...not a thing to hide, nor pretend. No poser here, or on this site..

One more thing, as I've told you before, I am a moderator on this site, I have not removed nor edited one single thing you have posted. YOU have clearly made a mistake (see prior posts with "quotes" in them)...and are looking to blame another.

If you have a question post it!

Posted: Sat Jun 19, 2010 05:42 pm Post Subject: freelook cancellation not acted upon by the insurance co

max and lori,

I read your comments in detail and say that :

1. YOU feel I have not assisted you by disclosing the name of the country, where this incident happened ? I have repeatedly intimated you that the matter is before our authorities, pending investigation I am not in a position to do so. Yours insisting despite this fact, will not allow me to make any amendments to my say, as I am a law abiding citizen of my Dear COUNTRY.

2. One says he is not a moderator, other says is a moderator, one says I print my license number also while replying etc.are all OK, but when only 3 simple questions are not replied, what is the sense of the whole exercise? naturally when one is interacting with general public, the web site must have taken certain care to select persons properly.

3. You say people of America will not do this, not do that......... your own
submission that CITIBANK deputed THUGS in INDIA to collect.......This was an american bank......though not in america, but is american, american based with american management.......does american law allows such acts, NO. But illegalities do happen. None can claim that a particular country is
free of any illegalities. Incidentally the bank was referred as 'mafia' by you.

4. The Policy I was referring to is HEALTH Policy and was intimated to you, on record. Is also mentioned by your in your articles referring to health policies. You cannot say that I have not referred to it, nor you should remark that no one knows which policy is referred to.

5. I stand by all my say. I feel that you intend to avoid replies to my 3 simple questions and are blaming me without any reasonable cause. I also understand from your say now , that my say is not encouraged by you, despite providing you complete information, you could not conclude satisfactorily, but its ok. Everyone has their limitations. This may not be in the interest of people here, but I cant do much except raise the issues in some popular platform, which I tried my best and partly succeeded. none may and none should stop anyone in these time of hi-tech to caution general public from defrauding practises practised by commercial enterprises. General public are all brothers and is the moral duty of each and every human to caution other brother against misdeeds and likeliness of being cheated. I think I have not done or said anything wrong and you should appreciate my transparency.

6. To conclude, lastly I say that you LORI and MAX are too good persons, doing too good a job of educating people. If in my process of exposing some commercial enterprises, have hurt you/your sentiments, was not my intentions at all and seek forgiveness if you felt so in the total process of interaction. The web site is doing a brilliant job and must encorage more open and healthy discussions. If only we had such web-sites in our country, is a new developed dream now...........

May all people live in peace and harmony.

b rgds

sk

Posted: Sun Jun 20, 2010 12:22 am Post Subject:

My reason for not responding to the questions below is that I try to provide good information that readers here can apply to their own unique situations. Since we are in the US, that information is based on US laws, which can vary some from state to state if they are not defined in federal law. Not knowing what country you are a citizen of puts me at a disadvantage when it comes to giving advice. I previously asked you to PRIVATELY let me know what country was being discussed so I could research those laws. You did not respond to that request.

Never let it be said that I do not answer questions. But in this case, I don't want it to be said that my responses are inadequate, either.

What is the date to be considered for submission of freelook cancellation notice : a). the date I handed over the application/notice to the company sales manager (agent) or b) the date company issued their acknowledgement

as 50 days have passed for my notice, but still 7 days are pending for the time granted by authorities. Is such Suspense tolerable ?

why wait for the last date ?

What are the likely punishment to the company in such cases ? Any reasonable compensation to the 'insured' for being mentally tortured for 50 days

why should I suffer for this monetory loss ?

why I should not be covered under Insurance, till paid (even though my notice is issued, but remains pending to be acted upon).

This was an american bank......though not in america, but is american, american based with american management

Posted: Thu Jun 24, 2010 11:07 pm Post Subject: freelook cancellation not acted upon by the insurance co

thanks max, thanks for your delayed but positive reply. The exercise was not a futile attempt, as you yourself must have observed that we do have LAWS where mental torture is being compensated ! The only deficiency in our laws are they are not timely enforced in certain private cases, which gives an upper hand to the Law breakers. Your admission that mental torture is not compensated in USA for certain reasons, is reason enough that our laws are reasonably adequate in all respects. BY saying OUR, I am referring to my DEAR COUNTRY, which you referred these words 13 times in your one reply !
I know you were not annoyed, but it feels great and honoured when persons refer my Country to me as "YOUR DEAR COUNTRY". God bless you.

Just by saying that on receipt of USD 125,000 back, I have not lost anything, is not reasonable.

By not receiving my USD 125,000 within 15 days of submitting freelook cancellation application to the insurance company, I have Lost commercial INTERESTS on my amounts after 15 days period, after the freelook cancellation notice period of 15 days is over; loss of sleep thinking over what will be the fate of my amounts, whether the insurance company will consider my application or not (they may reject the application, too), as they have 100 ways to reject one; mentally tortured in the process, for which compensation will not be an adequate remedy;

Should you raise your voice on this MENTAL TORTURE (harassment, mental tension and agony) point, will go in history of USA and 100s of 1000s of insured will thank you for assisting them ! Kindly think over. I dont find any harm in assisting general public, if in the interest of justice. So what if there was nothing something like mental torture compensation earlier, from now on it may be, should be, must be.

Nothing is of any value to any citizen of USA, is your opinion. Who knows who will gain from mental torture compensation tomorrow ? Who has seen tomorrow ?

Initials of SK may kindly be remembered than, mr.max, please.

Being afraid of authorities and respecting the process of laws are two different things, as per me. I respect the process of law and in this process am not to put any hinderances, but cooperate with the authorities, need not be assumed that being afraid.

CITIBANK is a MNC and not a listed company in INDIA, I checked after going thru your mail. An USA subsidiary. You say PROFITS are provided to parent USA company. My say is again justified by you. anyway, you have already mentioned that their acts are condemned and terminated; So the matter is over.

Recently USA news is full of BP spill and BP being forced to suitably compensate. A quick decision ! Appreciable. One Mr.Anderson's name is also reflected in another USA subsidiary - Union Carbide in some Bhopal Gas tragedy case in 1984. Poor guys - around 25 years have passed and yet no suitbale compensation to the DEAD and their family. Lucky are USA persons for such quick decisions, so what if others - Citibank and Union Carbide have parent company in USA ? They Eat only Profits !

Thanks mr.max

Posted: Fri Jun 25, 2010 11:16 am Post Subject:

Surely you aren't comparing your 'mental torture' to the true agony of those that suffered in the Union Carbide fiasco or the BP mess are you?

Nothing is of any value to any citizen of USA, is your opinion.

Your admission that mental torture is not compensated in USA for certain reasons, is reason enough that our laws are reasonably adequate in all respects

though insurance company sending THUDS and breaking bones and indulging into white collar crimes officially does happen there, everyone is aware of

Posted: Fri Jun 25, 2010 10:44 pm Post Subject: freelook cancellation not acted upon by the insurance co

lori, from your comments it appears that :
1. mental torture is accepted by you;
2. quote 1 is for MAX to reply; Quote 2 and its remarks does not match. Quote 3 takes care of mental torture/anguish. I find your should switch over to 'torture 'than' anguish'. anyway, its individual choice and happenings. as MAX took over in between, it appears you left over from there, as not reading in continuity may appear as 'mess'. No where I had mentioned that I had signed any contract for 50 days or 500 days. To put the record straight - Health Policy was submitted to the insurance company thru their 'agent' and within 15 days thereon, they were required to return the amounts back, which they did not. Gave temptations to continue the policy, which process continued for 35 days and on lodging complaint to authorities, direction of the authorities was issued on the 35th day, to make payments within 15 days, to which insurance company made payments on the 15 th day, which was 50th day, from beginning. Mental torture was accordingly claimed for those 35 days, where they were legally, contractually and morally bound to return the freelook cancellation amounts, but did not. So it is not just waiting until the last day......presume you understood the matter. Last day was last day for 'authorities' instructions, but 50th day from the date of submitting the application for freelook cancellations. Rjght.

Thanks S K

Posted: Sat Jun 26, 2010 07:32 am Post Subject:

As much as I may like to write in order to get my point across, I am about typed-out on this thread. I think there is a big disconnect between the laws your SK's DEAR COUNTRY, wherever in the world it is, and those of the US.

What SK describes as "mental torture" to me is simply failing to return an unearned premium on a timely basis. Does that happen in the US? Yes, occasionally. Is it done with evil intent . . . to drive a person insane, as torture might? Never.

Most of the time, a failure to return an unearned premium on a timely basis is a failure of internal systems. Someone failed to push the proper key on a computer keyboard, or someone inadvertently misfiled a cancellation request. No malice, just a mistake. But we have laws that provide for compensation in those few instances.

The fact that $125,000 may have been involved makes the amount in question very substantial. But, to my way of thinking, if a person is willing to turn that amount over to an insurance company, they should not agonize over a delay in receiving a refund. I view it not a "mental torture" but as "opportunity lost" at best. The opportunity to have used the money for something that might have generated a small profit.

But in this case, that is a remote consideration. Had SK chosen to continue the policy, then there is no possibility of such loss, and the "torture" is perhaps self-inflicted.

We see examples of this all the time in other ways. A person takes their car to a repair shop for what should be a two hour repair. Except that another problem is discovered and the required part has to be specially ordered, taking a few days to arrive. The mechanic had no bad intent, but wants to make sure the customer leaves with a safe to drive vehicle. But the vehicle owner wants to know, "How much can I sue the repair shop for -- they told me it would take two hours, and I was without a car for three days -- and I could not get to work."

When I hear that, I laugh and ask, "Really . . . you couldn't get to work any other way?" Nearly impossible to imagine. A friend, the bus, a taxi, a bicycle? To me, the "loss" is self imposed. To SK, it is mental torture. I see that as a disconnect.

So that's about all I can say. I don't know what country is involved, cannot comment further about the laws that might or might not apply, and cannot say what an appropriate remedy might be. I don't want to speculate. This whole conversation has been convoluted and was purported to be of value to US citizens. I am not convinced there is significant value to anyone other than SK. Note that this thread has not inspired anyone other than Lori or me to comment.

So, in the words of George Burns in the 1950s:

Good night, Gracie!

Posted: Sat Jun 26, 2010 12:09 pm Post Subject:

Good night, Gracie!