[Resolved]  ICICI Bank — Insurance Amount charged on EMI Basis without notice and My first credit card statement was sent 1 year 5 months after cancelling the credit card

Dear sir,
I've applied for the credit card in the month of December,2006, which was approved by the bank and sent fo Dispatch in Jan,2007.
But i did not get the card to my hand till March,2007.
So,I have applied for cancellation my credit card XXXX-XXXX-XXXX-2002 in the month of March ,2007 as i did not recieve the card to my hand for which i got the confirmation also.

Now problem started :
1) In the month of October,2007 Rs 10,000 was debited from my ICICI Savings Account whiout my notice, when enquired at bommanahalli Branch (Bangalore); officials told me that it was deducted as i had credit card payment due.

After following up with them over phone, that amount was reversed and bank officials declared that ther is no out standing in my account and it was debited
because system was not updated.

Worst part is i did not recieve any Bill statement either as e-statement or hard copy.
Till that day or even after that.

2) I got my first statement surprisingly in the month of September, 2008 stating that there is an outstanding amount of Rs.12656.08. When checked with customer care below is the response from them:

"I was billed Insurance amount by ICICI Lombard in the month of March 28,2007 for Rs.5683.00 on EMI basis for 24months which was not informed to me either by mail or by any other means.
But i've recieved the hard copy of insurance in the month of April (after cancelling my card)
As I've cancelled my card, EMI is foreclosed and complete amount was billed to my card."

4) When checked the Policy number in the ICICI website , I was getting an error that it is not a valid policy number.

5)) One more surprise was, I got a Request number:"SR80576504" on
September 24,2008 that credit card cancellation is initiated ( :) on already cancelled card).

4) Now they back has sent a recent statement that they have sent my details to CIBIL.

My questions are:
1) Why statements were not mailed in April,2007 or May 2007 or even after that till September 24,2008.?
2) Whenever i approached Customer care they were stating that they have data only after September,2008 , basing onwhich they are sending the statements to me?
3) How the amount which should be 5683.00 got cummulated to 12656.08?
4) Why Insurance amount was billed even after policy number was not accepted by ICICI website?

This is a very embrassing situation which makes me to refrain myself in entertaining ICICI Bank for my transaction in future.

I cannot pay the amount which was never useful to me.
Please let me know how to deal with the situation.


Thanks,
gopinath