Comments
Dear Sir,
Subject: Illegal and unethical Sales Practices of HDFC Standard Life Insurance Company
I am writing to you regarding my recent experience with HDFC Standard Life Insurance Company when I tried to purchase a life insurance policy. I requested the policy to be issued against my legal name, Din Dayal Gupta.
However, I received a policy document number 14053316 dated 30th Nov, 2010 which was issued in incorrect name, Deen Dayal, living in Sari Rohilla which is not my correct address either.
I was also shocked to find out that the insurance company had forged my signatures, wrongfully attested my passport copy and changed my name from Din Dayal Gupta to Deen Dayal in policy application documents to enable billing against my HDFC credit card which was in my old name Deen Dayal. Please see of policy, pages 2, 12, 14 and addendum page 2 for details on forgery.
Since then I am continuously requesting for cancellation of the aforesaid policy and the credit card as well 27th Dec, 2010. Even after four months of follow up, I am yet to receive a policy cancellation confirmation.
In the meanwhile, the HDFC credit cards division wrongfully released the annual insurance premium money to HDFC Standard Life Insurance Company against forged documents and has been requesting that money from me. HDFC Cards has also piled up late payment charges against my account.
Now, both companies, HDFC Standard Life and HDFC Cards are playing football with my case. HDFC Life has so far refused to cancel the aforesaid policy and refund all balance amounts against my credit card account. HDFC Cards is also refusing to accept its error in releasing money against forged signatures and reverse the credit card charges and is asking me to fight my battle with the Life Insurance Company.
Being subject to this everyday harassment, I request your early intervention in the matter and penalize the behavior and practices of HDFC Standard Life Insurance Company. I request you to instruct HDFC Life to cancel the aforesaid policy, and advise the concerned to refund all cancellation charges charged against my Credit card account without any further delay.
Thanking you,
Din Dayal Gupta
92 VivekanandPuri,
SaraiRohilla,
Delhi – 110 007 (Mobile No – [protected] & Telephone No –[protected]
Subject: Illegal and unethical Sales Practices of HDFC Standard Life Insurance Company
I am writing to you regarding my recent experience with HDFC Standard Life Insurance Company when I tried to purchase a life insurance policy. I requested the policy to be issued against my legal name, Din Dayal Gupta.
However, I received a policy document number 14053316 dated 30th Nov, 2010 which was issued in incorrect name, Deen Dayal, living in Sari Rohilla which is not my correct address either.
I was also shocked to find out that the insurance company had forged my signatures, wrongfully attested my passport copy and changed my name from Din Dayal Gupta to Deen Dayal in policy application documents to enable billing against my HDFC credit card which was in my old name Deen Dayal. Please see of policy, pages 2, 12, 14 and addendum page 2 for details on forgery.
Since then I am continuously requesting for cancellation of the aforesaid policy and the credit card as well 27th Dec, 2010. Even after four months of follow up, I am yet to receive a policy cancellation confirmation.
In the meanwhile, the HDFC credit cards division wrongfully released the annual insurance premium money to HDFC Standard Life Insurance Company against forged documents and has been requesting that money from me. HDFC Cards has also piled up late payment charges against my account.
Now, both companies, HDFC Standard Life and HDFC Cards are playing football with my case. HDFC Life has so far refused to cancel the aforesaid policy and refund all balance amounts against my credit card account. HDFC Cards is also refusing to accept its error in releasing money against forged signatures and reverse the credit card charges and is asking me to fight my battle with the Life Insurance Company.
Being subject to this everyday harassment, I request your early intervention in the matter and penalize the behavior and practices of HDFC Standard Life Insurance Company. I request you to instruct HDFC Life to cancel the aforesaid policy, and advise the concerned to refund all cancellation charges charged against my Credit card account without any further delay.
Thanking you,
Din Dayal Gupta
92 VivekanandPuri,
SaraiRohilla,
Delhi – 110 007 (Mobile No – [protected] & Telephone No –[protected]
Mr Manoj Raman
Sr. Manager Customer Service,
HDFC Standard Life Insurance Company Limited,
5th Floor, Eureka Towers,
Mindspace Complex, Link Road,
Malad (West),
Mumbai – 400064.
Sub: - Complaint No –[protected]. (Policy No –[protected]
Dear Mr Manoj Raman,
I am in receipt of Letter dated April 04, 2011 from Binita Upadhaya informing me having registered my complaint under above said complaint no and deputing Mr Ganesh R, customer service Representative to handle the above Complaint within 2 weeks and also giving Escalation Matrix in case I don’t hear from you.
I would like to share the verbal communication I had with your Mr R Ganesh on 06-apr-2011 at 10:07 on Telephone No –[protected] and appraised by him that he is closing this complaint. I am surprised to note that how he can close this complaint without giving me suitable reply on the forged signatures made by your representative and action being taken against him at your end in writing and also let me know how HDFC bank has made payment to the HDFC Life Insurance without matching my signatures. Also I am fail to understand how HDFC Bank entertained application from HDFC Life Insurance with corrections made by their representative at his own without vetting to me. More than 3 Months have passed since lodging of this complaint but till now I have not received any written reply on the above by HDFC Life Insurance & HDFC Bank in this regard.
Also I am highlighting the incidence of dated 30.03.2011, where I got a call from[protected] at 9.16 am of Mr. Sanjay Gupta from HDFC Bank, Rajouri Garden Branch, New Delhi threatening me not to get out from my home if I don’t make payment of Rs. 3300/- in shape of cash today itself and again at 11.08 am I got call from Mob No. [protected] & subsequently from tel. no.[protected] to confirm from me whether I have made the payment or not.
Being a heart & diabetic patient, I myself felt in great shock of such mischievous threatening call I had to made payment in cash against Receipt No.13063516 dated 30.03.2011 to Mr. Pankaj Khanna of M/s B.R. Associates (ID No. N04161) on behalf of HDFC Bank, Card Divn., 110, N M Road, Chennai, to avoid any mishappening to my health due to purchasing of this Insurance Policy. Since then, on every alternate day’s visit of your representative’s at my residence, I am facing B.P. & some type of shock problem due to which my hands are also not working normally and I am incurring a huge amount on medical expenses to overcome depression problems and till now I had spent more than Rs. 2.00 lacs. Immediately after one hour of releasing Rs.3300/-, towards Late charges as advised by Mr Sanjay Gupta of HDFC Rajouri Garden Branch. I got a courier dak from HDFC Life Insurance, Janak Puri, New Delhi to deliver the Policy Bond Certificate, which I refused to take as the same was sent to you for cancellation on 27.12.2010.
Again on 31.03.2011 at 12.56 p.m I got a call from Tel. No.[protected] of Janak Puri Branch, HDFC Life Insurance asking me, why I have returned this policy certificate then I told the calling person that this policy bond was sent to you for cancellation before 3-4 months back and since then you were silent and now on getting Rs. 3300/-, your people are forcing me to purchase this Policy, which I am not interested at all and I still not getting favorable response of cancellation of the said policy and now suitable reply in writing is desired against the errant person who had made forged signature in Policy Document with suitable compensatory amount incurred on medical ailments and communication being done with you in this matter.
On 6.04.2011, your Mr. R. Ganesh expressing his inability to cancel this policy and I am being forced to continue the same, which I am really not interested to continue this policy. Again, on given assurance by HDFC for issuance of regret letter to take corrective actions in future and made responsible HDFC/HDFC Life Insurance any such type of forged actions, I am yet to receive the said letter.
Being subject to this everyday harassment, I request your early intervention in the matter and penalize the behavior and practices of HDFC/HDFC Standard Life Insurance Company. I request you to instruct HDFC Life to cancel the aforesaid policy, and advise the concerned to refund all cancellation charges charged against my Credit card account without any further delay.
Looking forward to hear from you soon in this regard.
Yours faithfully,
(DIN DAYAL GUPTA)
92, Vivekanand Puri
Sarai Rohilla
Delhi – 110007
Mobile No – [protected]
Telephone No –[protected]
Sr. Manager Customer Service,
HDFC Standard Life Insurance Company Limited,
5th Floor, Eureka Towers,
Mindspace Complex, Link Road,
Malad (West),
Mumbai – 400064.
Sub: - Complaint No –[protected]. (Policy No –[protected]
Dear Mr Manoj Raman,
I am in receipt of Letter dated April 04, 2011 from Binita Upadhaya informing me having registered my complaint under above said complaint no and deputing Mr Ganesh R, customer service Representative to handle the above Complaint within 2 weeks and also giving Escalation Matrix in case I don’t hear from you.
I would like to share the verbal communication I had with your Mr R Ganesh on 06-apr-2011 at 10:07 on Telephone No –[protected] and appraised by him that he is closing this complaint. I am surprised to note that how he can close this complaint without giving me suitable reply on the forged signatures made by your representative and action being taken against him at your end in writing and also let me know how HDFC bank has made payment to the HDFC Life Insurance without matching my signatures. Also I am fail to understand how HDFC Bank entertained application from HDFC Life Insurance with corrections made by their representative at his own without vetting to me. More than 3 Months have passed since lodging of this complaint but till now I have not received any written reply on the above by HDFC Life Insurance & HDFC Bank in this regard.
Also I am highlighting the incidence of dated 30.03.2011, where I got a call from[protected] at 9.16 am of Mr. Sanjay Gupta from HDFC Bank, Rajouri Garden Branch, New Delhi threatening me not to get out from my home if I don’t make payment of Rs. 3300/- in shape of cash today itself and again at 11.08 am I got call from Mob No. [protected] & subsequently from tel. no.[protected] to confirm from me whether I have made the payment or not.
Being a heart & diabetic patient, I myself felt in great shock of such mischievous threatening call I had to made payment in cash against Receipt No.13063516 dated 30.03.2011 to Mr. Pankaj Khanna of M/s B.R. Associates (ID No. N04161) on behalf of HDFC Bank, Card Divn., 110, N M Road, Chennai, to avoid any mishappening to my health due to purchasing of this Insurance Policy. Since then, on every alternate day’s visit of your representative’s at my residence, I am facing B.P. & some type of shock problem due to which my hands are also not working normally and I am incurring a huge amount on medical expenses to overcome depression problems and till now I had spent more than Rs. 2.00 lacs. Immediately after one hour of releasing Rs.3300/-, towards Late charges as advised by Mr Sanjay Gupta of HDFC Rajouri Garden Branch. I got a courier dak from HDFC Life Insurance, Janak Puri, New Delhi to deliver the Policy Bond Certificate, which I refused to take as the same was sent to you for cancellation on 27.12.2010.
Again on 31.03.2011 at 12.56 p.m I got a call from Tel. No.[protected] of Janak Puri Branch, HDFC Life Insurance asking me, why I have returned this policy certificate then I told the calling person that this policy bond was sent to you for cancellation before 3-4 months back and since then you were silent and now on getting Rs. 3300/-, your people are forcing me to purchase this Policy, which I am not interested at all and I still not getting favorable response of cancellation of the said policy and now suitable reply in writing is desired against the errant person who had made forged signature in Policy Document with suitable compensatory amount incurred on medical ailments and communication being done with you in this matter.
On 6.04.2011, your Mr. R. Ganesh expressing his inability to cancel this policy and I am being forced to continue the same, which I am really not interested to continue this policy. Again, on given assurance by HDFC for issuance of regret letter to take corrective actions in future and made responsible HDFC/HDFC Life Insurance any such type of forged actions, I am yet to receive the said letter.
Being subject to this everyday harassment, I request your early intervention in the matter and penalize the behavior and practices of HDFC/HDFC Standard Life Insurance Company. I request you to instruct HDFC Life to cancel the aforesaid policy, and advise the concerned to refund all cancellation charges charged against my Credit card account without any further delay.
Looking forward to hear from you soon in this regard.
Yours faithfully,
(DIN DAYAL GUPTA)
92, Vivekanand Puri
Sarai Rohilla
Delhi – 110007
Mobile No – [protected]
Telephone No –[protected]
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