[Resolved]  Bharti-Axa — Poor Performance in Services, Customer Satisfaction, resolution of Issues, Training of advisors

Address:

Bhopal, Madhya Pradesh

Dear Sir,

I need your attantion to resolve this case. as I am not interested to go with Bharti-AXA Life's insurance plan, and want my amount back whatever I have invested/deposited in Bharti.
As Bharti-AXA is unable to satisfy me with it's services. as Bharti has shown very poor performance in terms of customer satisfaction, resolution of an issue, proper training of advisor/officals.

Thank you!

===========The whole conversation with Bharti-AXA is as below till date=================

Great,
what a response I have received from you, As you know that your company did not commited the mistakes over mistakes within 15 days period as you mentioned; otherwise I definitely return the policy immediatly.
For your kind information, all this was start from first premium's due date (means almost after 30 days) and your company is fully responsible to make this case an issue.


If you haven't red the whole conversation, please read the issue (in blue highlighted text), what I am pasting after the below desired details:-

Policy: Ulip Aspire Life (No.:[protected]
Name: Rajeev Malviya
Date of Birth: 03 Dec 1972
Address: LIG-21, Peoples Public Schools Residential Campus, Bhanpur, Bhopal (MP)
New Address: M-2, 160-C, Samarpana Complex, Indrapuri, Bhopal (MP) 462021
Contact no: [protected]
[protected]@gmail.com

[protected]------xxxxxxxxxxxxxxxx[protected][protected]
I have taken your policy Ulip - Aspire Life (No. :[protected] on September 22, 2008. Due to below reasons, now I am not interested to continue this policy:


[1] The advisor told me on the first meeting that I have to deposit 1500/- as premium amount every month and this policy can be surrender after one year (if required). The amount what I pay will be invested in the Money Market. The surrender value will be the fund value( but the policy said the different thing).

[2] The amount of first cheque in favor of Bharti-AXA life Insurance was of amount Rs.3000 paid by me. The very next day I have to made correction on that cheque for Rs. 4000 (cheque no.[protected] and the premium would be Rs.2000/-.( Its ok, no problem).

[3] The first SMS which I received from Bharti-AXA about the premium was that the amount 2000/- will be deducted from my Bank Account on 9th of the Nov. 2008. Next SMS I received after few days stated the amount is deducted on 2nd of Nov. 2008, please insure the sufficient amount on 2nd of Nov. I left the sufficient amount in my account for the same from 1st to 8th of the month. The 8th was the day for deduction of my credit card's outstanding amount, this happened on time. The very next day the ECS from Bharti –AXA hits the account and got bounced. The surcharge (Rs.281) for the bouncing of ECS was deducted from my bank account. Within next 3-4 days I paid the premium amount through cheque of Rs.2000/-(cheque no.[protected]. The ECS again hit my bank account on 19th of Nov. and again got bounced due to insufficient fund in the account. This time also the surcharge (Rs.281) for the bouncing of ECS was deducted from my bank account. This was not my fault. I went to Bharti-AXA office at M.P.Nagar, Bhopal Branch and asked for the same. The application for adjusting the amount in next premium and also inform to me for the same, I submitted there as per their advised. They assure me for adjustment of the bouncing charges in my premium amount. As per them they forwarded that application toward Headquarter of Bharti-AXA.
This month again I receive the SMS for ensuring the amount in bank of Rs.2000 without any adjustment of bouncing charges.
All the above shows, if you are not showing promptness at the time of receiving the premium amount, how can you show the promptness when I/my family need the surrender /Insurance amount?
Thus, as soon as you receive the mail, please cancel my policy and refund me the amount whatever I have paid in favor of Bharti-AXA (with/without bouncing charges).
The details are as below:-
Policy: Ulip Aspire Life (No.:[protected]
Name: Rajeev Malviya
Date of Birth: 03 Dec 1972
Address: LIG-21, Peoples Public Schools Residential Campus, Bhanpur, Bhopal (MP)
New Address: M-2, 160-C, Samarpana Complex, Indrapuri, Bhopal (MP) 462021
Contact no: [protected]

[protected]------xxxxxxxxxxxxxx[protected][protected]


On Fri, Aug 20, 2010 at 9:53 AM, <Complaints.[protected]@bharti-axalife.com> wrote:


Dear Sir

We refer to your below email dated August 20, 2010 with regards to the captioned policy.

We wish to inform you that we have responded to your concerns vide our letters dated May 25, 2009 (copy attached) and our email dated April 09, 2009.

In view of the above, we request you to elaborate your concerns to enable us further investigate the same.

Further please note that your email address i.e. [protected]@gmail.com is not registered with us.

We request you to provide the below requirements. You can email any two requirements mentioned below:

Your Date of Birth
Address registered with us
Sum Assured
Nominee Details
Premium Amount
Mode of Payment

On receipt of the above requirements we shall register your email address for future correspondence



Regards,
Complaints Resolution Unit


Bharti AXA Life Insurance Company Limited

6th Floor, Unit No 601 & 602, Raheja Titanium,
Off Western Express Highway, Goregaon(E),
Mumbai-400 063,

Tel No:[protected]/43


Rmalviya <[protected]@gmail.com>
20/08/10 04:30 AM Please respond to
[protected]@gmail.com

ToComplaints.[protected]@bharti-axalife.com
cc
SubjectRe: Your Policy[protected]







Hi Team,

Return back to my one year old issue, I need to know that if your advisors/comany made a mistake then to whoom I will have to go for? I want my invested amount back. My whole conversation with your company is as below:-

Is it not a case of 420 ? from your advisor/officials I was missguided from beggining.

Regards!

Rajeev Malviya
BHOPAL
M-2 160-C, Samarpana Complex Indrapuri, Bhopal (MP)


On Wed, Apr 8, 2009 at 2:22 AM, rajeev malviya <[protected]@gmail.com> wrote:
Hi Team,

You have already taken more than three months regarding my issue. As I assume, your company is not interested to solve this issue.
Since I haven’t made any financial lose of the company, I hope your company will return the full amount which I have invested in the name of your company.
Please let me know, how much time it will take to resolve, provide the deadline.
Regards!
On Fri, Mar 20, 2009 at 10:24 AM, <Complaints.[protected]@bharti-axalife.com> wrote:

Dear Sir,

We refer to your mail below and the subequent discussion you had with our executive with regards to your complaint.

We have taken note of your concerns and are reviewing your request . We shall revert to you shortly.

We thank you for your patience and cooperation.

Yours Sincerely
Swati Shetty

Service Quality - Complaints Unit
Bharti AXA Life Insurance Company Limited 2nd Floor, Hi Tech Plaza,
Near Ahura Center
Mahakali Caves Road,
Andheri (E),
Mumbai 400093





rajeev malviya <[protected]@gmail.com>
19/03/09 11:58 AM
ToComplaints.[protected]@bharti-axalife.com
cc
SubjectRe: Your Policy[protected]










Hi,

I am still waiting for your response regarding my issue.......

hope it will not take more time....

Thanks....

On Sat, Feb 28, 2009 at 5:21 AM, rajeev malviya <[protected]@gmail.com> wrote:
Hi,

As one month is going to over. I haven't got reply from you about the decision on my issue. Please do the needfull as soon as possible. So, that I can take further decision on this issue.

Again,I am requesting you Please do the next correspondence at the following mailing address:
RAJEEV MALVIYA
c/o P.D.MALVIYA
M-2, 160-C, SAMARPANA COMPLEX
INDRAPURI, BHOPAL (MP)
PIN-4612021

Thanks!


On 2/5/09, rajeev malviya <[protected]@gmail.com> wrote:
Hi,

Please find the attached copy of scaned Bank Statement.

Thank you for response!


On Wed, Feb 4, 2009 at 2:21 AM, rajeev malviya <[protected]@gmail.com> wrote:
Hi,

I have received your hard copy of a letter stated the policy is lapse and can not be cancelled due receiving the request after 15 days of dispatching the policy. As this letter says that the amount I have paid to you as a premium amount can not be returned.
I want to clear one thing that that was the condition If I was not satisfied with the policy but here the issue is different, I was agreed at that time, deposited the premium, but the proper response was not received from the operation department (due to ECS and non-adjustment of bouncing charges) and finally now I am not interested to continue the policy.
This is the case of lake of service. Here the customer has not committed a mistake, this is a case in which company has committed the mistake, this is a different case and hope in this type of cases the senior authority have rights to return the money.
You better understand that bouncing of any cheque /ECS spoils the image of the customer to the bank for any further loan. Since I am going to take a home loan, this bouncing will affect the loan amount and procedure too.
This is a kind request to you that you will take the decision in my favour, so that I and my social circle will be interested to take your policy without any hesitation. Hope you will prove yourself as a good organization, which is more interested in customer satisfaction not the only profit making company.

I am requesting you Please do the next correspondence at the following mailing address:
RAJEEV MALVIYA
c/o P.D.MALVIYA
M-2, 160-C, SAMARPANA COMPLEX
INDRAPURI, BHOPAL (MP)
PIN-4612021

Regards!
RAJEEV MALVIYA

On Thu, Jan 22, 2009 at 9:01 AM, <Complaints.[protected]@bharti-axalife.com> wrote:

Dear Mr. Rajeev,

We acknowledge receipt of your below mail.

We have taken note of your concerns and request you to provide us time to investigate the matter. We shall revert to you shortly.

Best Regards

Service Quality - Complaints Unit
Bharti AXA Life Insurance Company Limited
2nd Floor, Hi Tech Plaza,
Near Ahura Center
Mahakali Caves Road,
Andheri (E),
Mumbai 400059

Tel No : +[protected]/2/3/4
Fax No : +[protected]
Email : Complaints.[protected]@bharti-axalife.com
___________________________________

Customer Care Numbers :
Airtel[protected]
BSNL[protected], Toll free[protected]
Toll free[protected] Airtel, BPL, Spice & Shyam Tel
SMS - 56677


rajeev malviya <[protected]@gmail.com>
21/01/09 12:54 PM
To"Complaints.[protected]@bharti-axalife.com" <Complaints.[protected]@bharti-axalife.com>
ccrajeevmalviya.[protected]@gmail.com
SubjectRe: Your Policy[protected]











Hi,

Please find the attached Bank statement required by you. Since the amount is invested in the Bharti-AXA and the charges against bouncing the ECS is valuable for me. This is the first time in my whole life when any surcharge is charged by bank against bouncing the ECS.

It also breaks my image with the bank which is required to take any loan in the near future.

If you wish, Please deposit all the bouncing charges in my bank account, so the image will be remain unaffected.

Wish you a very best wishes.


On Thu, Jan 1, 2009 at 7:09 AM, rajeev malviya <[protected]@gmail.com> wrote:
Hi Team,
Bharti-AXA,

Thanks to unsubscribe from ECS Mode.

Since your company not able to take me in the confidance from the beggining of the Policy.Please cancel my policy [Ulip-Aspire Life (No. :[protected]] as soon as possible and inform me for the same.
Also, Return the money invested by me as premium amount for this policy (with/without the bouncing charges charged by bank on me).

Hope this will be done within 15 days of the this month(January 2009).
The new Address for mailing:

Rajeev Malviya C/0 Mr. P.D.Malviya
M-2,160-C, Samarpana Complex,
IndraPuri, Bhopal (MP) 462021
Mob: [protected]

Thanks.








[protected] Forwarded message[protected]
From: rajeev malviya <[protected]@gmail.com>
Date: Dec 24, 2008 12:27 PM
Subject: Re: Your Policy[protected]
To: "Complaints.[protected]@bharti-axalife.com" <Complaints.[protected]@bharti-axalife.com>


Hi,

As I have already asked to you for cancelling my policy. Still the ECS hits my bank account and got bounced and surcharge is deducted from my bank account.
This is your liability to pay this amount.

Again, Please cancel my policy. This is a last request by me. No ECS will be allowed to hit my bank account next time.

Thanks!



Rajeev Malviya
M-2, 160-C, Samarpana Complex, Indrapuri,Bhopal (MP)462021


On Tue, Dec 16, 2008 at 2:47 AM, rajeev malviya <[protected]@gmail.com> wrote:


[protected] Forwarded message[protected]
From: Complaints.[protected]@bharti-axalife.com <Complaints.[protected]@bharti-axalife.com>
Date: Dec 16, 2008 11:18 AM
Subject: Your Policy[protected]
To: rajeev malviya <[protected]@gmail.com>


Dear Sir

We acknowledge receipt of your below mail.

We have taken note of your concerns and request you to provide us time to investigate the matter. We shall revert to you shortly.

Best Regards

Service Quality - Complaints Unit
Bharti AXA Life Insurance Company Limited
2nd Floor, Hi Tech Plaza,
Near Ahura Center
Mahakali Caves Road,
Andheri (E),
Mumbai 400059

Tel No : +[protected]/2/3/4
Fax No : +[protected]
Email : Complaints.[protected]@bharti-axalife.com
___________________________________

Customer Care Numbers :
Airtel[protected]
BSNL[protected], Toll free[protected]
Toll free[protected] Airtel, BPL, Spice & Shyam Tel
SMS - 56677
"rajeev malviya" <[protected]@gmail.com>
11/12/08 09:41 PM
[protected]@bharti-axalife.com
cc
SubjectUnsatisfied with your services, Please cancel the Policy:[protected]











Manager Operation,
Bharti-AXA life Insurance,


I have taken your policy Ulip - Aspire Life (No. :[protected] on September 22, 2009. Due to below reasons, now I am not interested to continue this policy:

[1] The advisor told me on the first meeting that I have to deposit 1500/- as premium amount every month and this policy can be surrender after one year (if required). The amount what I pay will be invested in the Money Market. The surrender value will be the fund value( but the policy said the different thing).

[2] The amount of first cheque in favor of Bharti-AXA life Insurance was of amount Rs.3000 paid by me. The very next day I have to made correction on that cheque for Rs. 4000 (cheque no.[protected] and the premium would be Rs.2000/-.( Its ok, no problem).
[3] The first SMS which I received from Bharti-AXA about the premium was that the amount 2000/- will be deducted from my Bank Account on 9th of the Nov. 2008. Next SMS I received after few days stated the amount is deducted on 2nd of Nov. 2008, please insure the sufficient amount on 2nd of Nov. I left the sufficient amount in my account for the same from 1st to 8th of the month. The 8th was the day for deduction of my credit card's outstanding amount, this happened on time. The very next day the ECS from Bharti –AXA hits the account and got bounced. The surcharge (Rs.281) for the bouncing of ECS was deducted from my bank account. Within next 3-4 days I paid the premium amount through cheque of Rs.2000/-(cheque no.[protected]. The ECS again hit my bank account on 19th of Nov. and again got bounced due to insufficient fund in the account. This time also the surcharge (Rs.281) for the bouncing of ECS was deducted from my bank account. This was not my fault. I went to Bharti-AXA office at M.P.Nagar, Bhopal Branch and asked for the same. The application for adjusting the amount in next premium and also inform to me for the same, I submitted there as per their advised. They assure me for adjustment of the bouncing charges in my premium amount. As per them they forwarded that application toward Headquarter of Bharti-AXA.
This month again I receive the SMS for ensuring the amount in bank of Rs.2000 without any adjustment of bouncing charges.
All the above shows, if you are not showing promptness at the time of receiving the premium amount, how can you show the promptness when I/my family need the surrender /Insurance amount?
Thus, as soon as you receive the mail, please cancel my policy and refund me the amount whatever I have paid in favor of Bharti-AXA (with/without bouncing charges).
The details are as below:-
Policy: Ulip Aspire Life (No.:[protected]
Name: Rajeev Malviya
Date of Birth: 03 Dec 1972
Address: LIG-21, Peoples Public Schools Residential Campus, Bhanpur, Bhopal (MP)
New Address: M-2, 160-C, Samarpana Complex, Indrapuri, Bhopal (MP) 462021
Contact no: [protected]