My name is Krishna Kumari and I have subscribed one of Aviva policy TDW3105668. In August 2012 I went to RBS bank to open my previous bank account in regards to my PF money reimbursement. The bank executive denied to open my account as I did not have other active account and he wanted my account cheque. At that time it was urgent to have and RBS account. In mean time he trapped me that if I will take Aviva policy then they will open my Zero balance account. He said that after three years I can surrender this policy with nominal administration charges deduction.
It was a miss selling to me as per the conditions that time. I did not wanted any life cover and just opened it for saving only. Now all my saving has seems to be stolen. I am not expecting hight returns as told but just my money back. I am not educated on insurance investment guidelines so, I was cheated easily.
I am unemployed now and it is very hard for me to manage the premium. I visit to Aviva's Gurgaon Sec 14 office and I was shocked when asked for surrender. Your executive told me that If I surrender today then I will get something less then rupees 10, 000.00. However The premium I have paid till now is 47, 463.00. I also interacted customer service on e-mail but they keep saying same thing.
It all means that I will be in loss in any condition. Please confirm if there is any better solution for me. Also confirm if I lodge a complaint at Insurance Ombudsman, then can something be done about it. Was this information helpful? | 
