mis selling of a policy
Dear Mr Rao
Please help me I am not getting help from any one I have written several letters to irda hydrabad office and insurance ombudsman chandigarh office no replied to me sir i avcheated by aviva life insurance company .I request you to please intervene and help me in getting back my hard earned money
--- On Thu, 23/9/10, Nirmaljit Kaur <firstname.lastname@example.org> wrote:
From: Nirmaljit Kaur <email@example.com>
Subject: reg mis selling of aviva policy number wlg1502877 required your help urgently
Date: Thursday, 23 September, 2010, 7:06 AM
I am writing this mail after apllying all my efforts and running from pillar to post but no results sir I am very low middle class human who has saved some money for my children and tough times which is been looted by fake promises of smartly dressed employees of Aviva life insurance company and cbop batala branch now HDFC bank .I had opened account with centurion bank of Punjab ltd batala branch and being t customer of the bank I was sold a life insurance policy by cbop batala branch through aviva life insurance employees sitting in the branch, They told me that they had a tie up of cbop and aviva life insurance company for 10 years and I will get all after sales service as well as maturity payment from CBOP branch batala office . I was given assurance of good returns from the plan as well as I was told that I can withdraw my money after the completion of three years . Now three years has passed I went to the cbop batala branch (now hdfcbank
as it got merged with cbop in 2008) but no employee of hdfc bank even liked to talk to to me regarding this issue ,they told me that as the policy was bought from cbop not from hdfc they cannot help me out .
But sir if I had knew that cbop will get merged with hdfc and I will never get after sales service for my aviva policy done in cbop branch now hdfc bank I would have not opted for this plan ,I was told by Hdfc bank to go to the aviva life insurance company office in amritsar which is around 40 km from batala .
As I am in need of money I went to Aviva office and demanded my money back Aviva company told me to write a application to receive my amount But I was surprised to know that after around 20 days I received a letter from aviva company stating that my policy tenure is for 43 years and I cannot get back my money i.e my polcy;s market price ,sir this news has really given me shock this means that I have to pay a premium of rs 43 lacs for 43 years sir I am really a hand to mouth female who has saved some money for my kids and for my tough times but aviva company has really ditched me sir Aviva amritsar employee Mr Aditya mehra Sales manager and their north head Mr AmanDeep Singh have given me assurances several times that I will get my polcy’s market value sooner or later for which he himself has written many letters which were further sent to Aviva Head office and got signed it from me .Every time I have been given assurances by aviva amritsar
office i.e is too from their high ranked officials that I will receive my money back .Sir fake promises is only thing I am getting from the last six months ,
My policy details are as follows
Wlg 1502877 nirmaljit kaur w/o sampooran singh ANNUAL PREMIUM RS 1 LAC
Vpo jaito sarja
PS Rangar Nangal
Mb no 9815681116
Sir I had taken this policy in good faith from aviva and bank employees .They have breached our trust and played with our emotions , sir we are very simple people from a remote village who trust people like god I request you to please help in cancellation of my policy as I cannot continue with this policy as premium paying term is 43 years and moreover I had invested this money with a commitment of maturity term after three years.
Waiting for favour from your side .
I have already forwarded this mail from id firstname.lastname@example.org but i forgot the mail password so i am sending this complaint from a new yahoo id please reply