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ICICI PRUDENTIAL (Insurance Scam)I have taken home loan of Rs.53,00,000/- from ICICI Bank for the period of 20 years. While filling up the loan application form sales person told me about the iShield 360° insurance policy, its benefits etc and gave me estimate of Rs.1,85,432/- (one time payment) which will be added to my loan amount. (refer image) Along with loan application form I signed the insurance form too.The policy includes critical illness cover, all type of death cover/loss of limb, in case of my death Rs.48,96,875/- will be credited to the loan account. The policy I opted for is of 10 years, as I feel that I will be in a position to repay the amount within this period.I did not receive the policy even after 15 days of making payment. Contacted the bank sales manager, he promised me that it will be resolved soon. 10 days passed, he got frustrated (due to my repeated calls) and gave me contact no. of Mr.’X’ who belongs to the insurance company. He also made false promises for 15–20 days without any concrete solution (It was very frustrating)I contacted the customer care, they said that there is no policy linked to my loan a/c no or phone no. I was advised to visit nearest branch, did same with no luck.Filed a complaint with the nodal officer, who took matter seriously and emailed me the policies after 7 days (total one and half month after making payment)I contacted the customer care to cancel the policies, they told me to drop an email, the request can not be taken over a phone call. I did email them and received a reply saying “your ID is not registered with us”. The sales guy had deliberately put wrong email ID.Went to the branch, changed email ID, emailed them to cancel the policies.Now here’s the scam (see image)I visited the branch to see the scanned copies of my application form. I came to know that the sales guy had made my false signature and I was issued a policy of Rs.1,13,60,840/- (why would I go for this amount if my loan amount is Rs.53L) for a period is 5 years (I had applied for 10 years)I had to visit the branch office 3 times for different reasons.I had to fight to get my money back.I paid interest on the above amount.Today (after 2 months and 15 days of making payment) I received SMS that money will be deposited shortly.I consider that insurance companies in India are scammers. The sales team will always make false promises and later they will tell you to contact customer care for any queries.I still don’t know why did Insurance guy do this (to achieve his monthly target?)Let me know if I should move to IRDA/Consumer court to get the interest back or I should file a complaint for compensation.Thank you for reading.

It is possible that Disney would appear to object to the petitioner’s petition to change their name, and based on that objection the judge would deny the change of name. A judge might well refuse to allow the change of name even if Disney did not appear to object, on the general grounds that a judge may refuse a name change if the change of name is undertaken for an “improper purpose” or if the judge concludes that the new name would lead to “confusion” or “administrative inconvenience”.There are, however, thousands of people in the US whose last name is “Mouse” (although the Germanic “Maus” and “Mauser” variants are more common), and any one of them could name their child “Mickey” with impunity; while a court has to approve a name change, the name chosen by a parent when applying for a birth certificate generally cannot be rejected in most US jurisdictions unless it cannot be reproduced on the equipment used to print birth certificates (e.g. it contains characters not normally found in names, is too long, or has other serious defects). I find it exceedingly unlikely that there is not at least one, indeed likely quite several, people in the US today whose name, from birth, is and always has been, “Mickey Mouse”, or at least Michael Mouse or Michelle Mouse, both forms that can be shortened to Mickey. It’s hard to be sure because people so routinely use “Michael Mouse” as a fake name on job and credit applications and so there’s a ton of fake data in personfind databases for this name and its common variants.Indeed, given the large clutter of fake/bad data there is in PII databases (credit reports, etc.) for the name “Mickey Mouse”, it’s likely an exceedingly bad idea to change your name to that.

A $40 charge for use of the internet and printing of documents at the business center in our hotel.This happened a few years ago on our trip to Bali. We stayed there for 5 days and for the first four days, we were on a series of day tours and our tour guide picked us up at 7:30 AM then dropped us off no earlier than 7:00 PM. On the fifth day, we were checking out very early at 5:30 AM since we needed to be at the airport by 6:30.I booked our hotel room thru Agoda and paid in full, so we were surprised when the receptionist was asking us to pay $40 for "internet charges." The hotel has free wifi and my husband and I used it for the duration our stay.The receptionist explained to us that our room was charged for internet use for conference calls, which included printing of several documents and visa application forms at the business center. The document he showed us indicated that we allegedly availed of business center services on the first three days of our stay. The times indicated were all after lunch, between 2:00 PM and 4:00 PM, times when we were not even at the hotel because we were out on our tours.I told the receptionist that there was clearly a mistake since we never even set foot at the business center, much less needed documents for printing since we had our tickets printed at home and as we were going back home, we didn't need visas.The receptionist looked annoyed and claimed that one of us signed the charge slips. I asked him to show me. As expected, it was clearly not my signature. The form was filled out in somebody else's handwriting. I showed him my passport, my driver's license, as well as credit card slips I had in my wallet. The signature shown on the charge slips was clearly not mine. My husband got annoyed and demanded to see the CCTV footage.Surprisingly, the receptionist cancelled the $40 charge and checked us out. He seemed to be satisfied with the signature specimens I showed him.When we got home, I wrote to the customer service desk and promptly received a reply from the manager. He promised me that he would look into the incident and will give me an update.A few days later, the manager sent me an e-mail, saying that an investigation was conducted and the people involved were "dealt with accordingly." He apologized for the inconvenience caused and thanked me for informing them of the incident.