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Dear Bhanu M, 

Thank you for raising your concerns with us.
 
 At the outset, we would like to apologize for any inconvenience you may have experienced.  According to our records, your inquiry was forwarded to the Independent Arbitrator's office for evaluation, and you received written feedback via email. If you are dissatisfied with the feedback, please reply to the email from the Independent Arbitrator. 

The office of the Independent Arbitrator was created by Clientèle to address any complaint that a client feels has not been adequately dealt with by the relevant department or an employee of Clientèle. The office of the Independent Arbitrator can review any decision previously made and has the ability to amend these, should the need arise.   Any determination made by the office of the Independent Arbitrator is final and binding on the Company. 

Your query would have already been acknowledged and a date would have been provided by when a response would be sent.  Accordingly, a response would either have been provided or can be expected shortly. Should you have any queries, these can be raised directly with the office of the Independent Arbitrator. 

We trust this is all you require in this regard, however, should you require further assistance please do not hesitate to contact us again. 

Yours sincerely,
    
 Lindiwe Mabizela
 Service Support Team Leader
 Clientele Life