Dear , My name is Manish Rai, working in mumbai. actually i have applied for a credit card of barclayas bank.after few days they sent me credit card with different name (Manish Singh). i have rejected to accept the card. after few day they have another card sent me in my company address but same with different name (Manish Singh). i had again reject. in between this the ICICI Lombard person call me & gave me the offer means they told me that i can give you a ICICI Lombard helth policy free with your credit card. i told him no. i dint want. but they have sent me the policyin my resd. address with same name Manish Singh. i have reject to accept it. now the Barclayas Bank sent me a Credit card statement with the due amount of 3209.00 which is of ICICI Lomabrd policy. i wont pay the money bcoz nither i accept the Credit nor i acccept the Insurence Policy. i never used the card. how can they charged me bill for policy when i didnt apply for that . please help me. what should i do. plz replay as soon as possible. waiting for your response a citizen