[Resolved]  HDFC Bank Standard Life Insurance — policy documents not received after 11 month and they are not going to cancil my policy

Address:

West Delhi, Delhi

Hello,

I am Sarita Gandhi i had taken a policy from HDFC STANDARD LIFE INSURANCE in march 2009. My policy number is 12841183 and the premium amount is Rs 90000/-. Actually i have a complain against HDFC STANDARD INSURANCE that i have not recived any policy documents yet. I am not in a good mood and totally harrased by the company so i am sending this mail at this time because i am not able to sleep in the night because of this kind of stuff which i am suffering from last four month. I am forwading all the conversation which is going through their service department. I[censored] go through this mail you definetly know that at what all this going on. People dnt know how to talk with customer. As per IRDA law when the policy documents has not recived customer cancil the policy at any time. I dnt know what to right because i am suffering from mentally disturbance by all this stuff. Rs 90000/ is not a small amount for me. They lost my documents and said we had sent the documents on 13/04/2009 nd recived by MR B.S gandhani i dnt know who is he. I said to him please verify take your on time but same answer we had sent the documents. I also said that please check the sign there which is in pod and hire some signing expert and check the sign i pay for this but no answer. I belive that this time i definetly get a justice. PLease do the needfull and go through all the conversation.

Regards
Sarita Gandhi
[protected]
Policy no:[protected]




Dear,

Thanks for your reply and really thanks for making me fool for the last four month. As per the IRDA law when we recived the documents we cancil the policy within fifteen days but here i have not recieved any policy documents from your side.Now you see what i am going to do. And really want to say that i am not going to pay any premium because you people are such a liar.This few month is really a hell for me.

Regards
Sarita Gandhi
[protected]
Policy no:[protected]





[protected][protected][protected][protected]
From: "[protected]@hdfcinsurance.com" <[protected]@hdfcinsurance.com>
To: sarita Gandhi <[protected]@yahoo.com>
Sent: Wed, March 24, 2010 5:15:04 PM
Subject: RE:'HDFCSL=097-217' Policy No. 12841183


Dear Mrs. Gandhi,

We refer to your e-mail dated 27/01/2010, wherein you have stated your apprehension with regard to the free look cancellation of the aforesaid policy due to non receipt of the policy documents.

We apologise for the delay in resolving your e-mail complaint.

In this context, we would like to inform you that the policy start date was on 31/03/2010 and we have despatched the policy documents to your correspondence address on 09/04/2009 which was delivered on 13/04/2009.

We came to know that you have not received the policy document only when you complained in the month of December 2009 for the first time stating non receipt of the policy document.

We regret to inform that we are unable to cancel the policy in free look period, as the request should be submitted within 15 days from the date of receipt of the policy document. We have reprinted the policy documents and despatched to your correspondence address today, which you will receive shortly.

We hope to have addressed your apprehension.
Looking forward to a long-term relationship with you and assuring you the best of our services always.

Warm Regards,

Kausar
Customer Service Officer
********************************************************************************...⇄
For any further queries or clarifications, please contact us through any of the following modes:
Call us toll free on[protected]BSNL/MTNL) or[protected]Any Phone)
Send us a call back request- sms SERVICE to 5676727
Email us at [protected]@hdfcinsurance.com

Policy details are just a click away! Register for “My Account” on www.hdfcinsurance.com . Just provide us with your Client ID/Policy No., Mobile No. & E-mail ID & get your account activated!
********************************************************************************...⇄
GET PREMIUM RECEIPTS.” To register-> click here-> https://cp.hdfcinsurance.com/CPWeb/ ********************************************************************************...⇄
Regd. Office: Ramon House, H.T Parekh Marg, 169, Backbay Reclamation, Churchgate, Mumbai-400020

-----Original Message-----
From: sarita Gandhi ([protected]@yahoo.com)
Date: Saturday, March 06, 2010 01:27 AM
To: [protected]@hdfcinsurance.com ([protected]@hdfcinsurance.com)
Cc: [protected]@hdfcinsurance.com ([protected]@hdfcinsurance.com)
Subject: Re: Policy No. 12841183

Dear kausar,
Please Mr Gagan Anand Go through this mail and before all the conversations also atleast you definetly help me on this because know i am very depressed.

It has been already more than a week for last reply on my mail and more than Five or Six months 2 doing all this kind of stuff. You all are making me fool. Please let me know when i get my money back because its had been almost more than 11th month without any proof i mean no policy documents. I am not in a good mood seriously you are testing my patience. This is not good when you all are give my money back when i will die?This is totally a harrasment case dont force me to do something to take further step . and one more thing this is not acceptable all why i take duplicate documents when i have not recieved original documents by your side. I just want my money back.
I know you all are very rich people but this is not a small amount for me and my family also you should understand this.

Regards
Sarita Gandhi
[protected]
Policy no:[protected]




[protected][protected][protected][protected]
From: "[protected]@hdfcinsurance.com" <[protected]@hdfcinsurance.com>
To: sarita Gandhi <[protected]@yahoo.com>
Sent: Wed, February 24, 2010 2:58:34 PM
Subject: RE:'HDFCSL=097-217' Policy No. 12841183


Dear Mrs. Gandhi,


This is to confirm that we have received your complaint through e-mail and it has been registered under Complaint No. 93426.

We will get back to you with the resolution shortly.


We assure you the best of our services always.



Warm Regards,

Kausar

Customer Service Officer.

********************************************************************************...⇄ "TAX DECLARATION" is here..with "MY ACCOUNT" have no fear! Now print premium receipts at your convenience. To register-> click here-> https://cp.hdfcinsurance.com/CPWeb/

********************************************************************************...⇄
For any further queries or clarifications, please contact us through any of the following modes:

Call us toll free on[protected]BSNL/MTNL) or[protected]Any Phone)
Send us a call back request through SMS – sms SERVICE to 5676727
Email us at [protected]@hdfcinsurance.com or visit our website www.hdfcinsurance.com
Regd . Office: Ramon House, H.T Parekh Marg, 169, Backbay Reclamation, Churchgate , Mumbai - 400 020, India.
********************************************************************************...⇄

-----Original Message-----
From: sarita Gandhi ([protected]@yahoo.com)
Date: Tuesday, February 23, 2010 12:39 PM
To: [protected]@hdfcinsurance.com ([protected]@hdfcinsurance.com)
Subject: RE: Policy No. 12841183

Dear Kausar

first of all thank you very much for reply but again i must say first i contact you on 22/02/2010 after that you replied me on email lets forget it. I am sending that indemnity bond which i submitted to your vikas puri branch on 03/12/2009 to mr anil rawat and yes one more thing i just want to share with you this is my last mail to you and i want positive reply in a week only because it has been 11 months i took the policy and i have not received the documets yet. please dont force me to take any legal action. I am very depressed now really very depressed.And last but not the least why i take duplicate bond when i have not recived any original documents from your side. I just want my money back. my money back.

Thanks
Sarita Gandhi
[protected]
--- On Mon, 2/22/10, [protected]@hdfcinsurance.com <[protected]@hdfcinsurance.com> wrote:


From: [protected]@hdfcinsurance.com <[protected]@hdfcinsurance.com>
Subject: RE:'HDFCSL=097-217' Policy No. 12841183
To: "sarita Gandhi" <[protected]@yahoo.com>
Date: Monday, February 22, 2010, 7:21 AM


Dear Mrs. Gandhi,


As per the telephonic conversation held today (22/02/2010) with Mr. Kewal Krishan Gandhi, we would request you to e-mail us the scanned image of the Indemnity form which you submitted at the HDFCSLIC Branch.

We assure you the best of our services always.



Warm Regards,

Kausar
Customer Service Officer.

********************************************************************************...⇄ "TAX DECLARATION" is here..with "MY ACCOUNT" have no fear! Now print premium receipts at your convenience. To register-> click here-> https://cp.hdfcinsurance.com/CPWeb/

********************************************************************************...⇄
For any further queries or clarifications, please contact us through any of the following modes:

Call us toll free on[protected]BSNL/MTNL) or[protected]Any Phone)
Send us a call back request through SMS – sms SERVICE to 5676727
Email us at [protected]@hdfcinsurance.com or visit our website www.hdfcinsurance.com
Regd . Office: Ramon House, H.T Parekh Marg, 169, Backbay Reclamation, Churchgate , Mumbai - 400 020, India.
********************************************************************************...⇄

-----Original Message-----
From: sarita Gandhi ([protected]@yahoo.com)
Date: Thursday, February 11, 2010 09:43 PM
To: [protected]@hdfcinsurance.com ([protected]@hdfcinsurance.com)
Subject: Fw: Policy No. 12841183

Hello,
It has been almost 14 days but no reply from your side. when i get my money back.

Regards
Sarita Gandhi
[protected]
Policy no:[protected]



----- Forwarded Message ----
From: sarita Gandhi <[protected]@yahoo.com>
To: "[protected]@hdfcinsurance.com" <[protected]@hdfcinsurance.com>
Sent: Wed, January 27, 2010 11:12:28 PM
Subject: Re: 'HDFCSL=097-217' Policy No. 12841183


Hello,
In reference to your mail i want to make very clear i have deposited the indeminty bond to your vikas puri branch on 3rd december 2009 and i have the recieved copy of the same with me so i wont give indemnity again.I dnt want my policy documents i just wish 2 know when would i geting my money back. I am not at all satisfied with services of the company after spending my Rs 90000/- i am still running 2 get my documents and i am very much harrased. Again my personal request to you please cancel the policy.And one more thing i want to clear you. My permanent and my correspondence address is same its "17-A Pkt B vikas pure extn. delhi-110018. Thanx a lot for replying me.Atleast you understand the state of mind which i am passing on. Please last time i am going to request you CANCEL THE POLICY AND REFUND MY MONEY.
Thanks for your support.

Regards
Sarita Gandhi
[protected]
Policy no:[protected]



[protected][protected][protected][protected]
From: "[protected]@hdfcinsurance.com" <[protected]@hdfcinsurance.com>
To: sarita Gandhi <[protected]@yahoo.com>
Sent: Wed, January 27, 2010 11:36:05 AM
Subject: RE:'HDFCSL=097-217' Policy No. 12841183


Dear Mrs.. Gandhi,

We apologise for the delay in resolving your email complaint.

We refer to your email complaint dated 14/01/2010, wherein you have stated your apprehension with regard to non receipt of policy document.

In this context, we would like to inform you that we had despatched the policy document to your correspondence address via Overnite Courier on 09/04/2009, which was delivered to Mr. B. S. Gandani on 13/04/2009 at 12:12 HRS.

As you have not received the same, we would request you to submit the Indemnity form (attached below) along with the copy of this email at any of our HDFCSLIC Branch.

On receipt of the same, the policy document stamped as 'duplicate' will be sent to your correspondence address bearing the original terms and conditions.

Kindly visit our website www.hdfcinsurance.com for branch locations and their addresses.

Further, as per confirmation from Mr. Anil Rawat (Operations Officer - HDFCSLIC Vikas Puri Branch) he received only the Complaint Letter and did not receive any indemnity from your end.

We hope to have addressed your apprehension..


Looking forward to a long-term relationship with you and assuring you the best of our services always.

Warm Regards,

Kausar
Customer Service Officer.

********************************************************************************...⇄

"TAX DECLARATION" is here..with "MY ACCOUNT" have no fear! Now print premium receipts at your convenience. To register-> click here-> https://cp.hdfcinsurance.com/CPWeb/
********************************************************************************...⇄
For any further queries or clarifications, please contact us through any of the following modes:
Call us toll free on[protected] or[protected] (Any phone)
Send us a call back request through SMS – sms SERVICE to 5676727
Email us at [protected]@hdfcinsurance.com or visit our website www.hdfcinsurance.com
Regd . Office: Ramon House, H.T Parekh Marg, 169, Backbay Reclamation, Churchgate , Mumbai - 400 020, India.
********************************************************************************...⇄

-----Original Message-----
From: sarita Gandhi ([protected]@yahoo.com)
Date: Thursday, January 14, 2010 04:09 PM
To: [protected]@hdfcinsurance.com ([protected]@hdfcinsurance.com)
Cc: [protected]@hdfcinsurance.com ([protected]@hdfcinsurance.com)
Subject: Fw: about my policy documnets 12841183





----- Forwarded Message ----
From: sarita Gandhi <[protected]@yahoo.com>
To: [protected]@hdfcinsurance.com
Cc: [protected]@hdfcinsurance.com
Sent: Thu, January 14, 2010 3:35:25 PM
Subject: about my policy documnets 12841183


Hello,

This is bring your kind notice that I Sarita Gandhi taken a policy in march from your company. My policy no. is " 12841183". I complained so many times that i have not receive any policy documents .I said so many times that i have not received documents to your manager but after no response then i contact customer care on "24th nov 2009" and before also then some person said documents has been delivered to your home you must have get it 2 to 3 days. After a week i again contact your customer care then someperson said " we have not delivered the policy documents yet we have take to decision there is so miss communication" then i thought whats going on i asked 2 him what i do....the person said go to any nearest branch and full fill some formalities.Then i contact your vikas puri branch there is some anil rawat i asked to him where is my documents but same ans "dnt knw" then i had done some formalities like indemnity form and gave a complain letter. After 1 week i have no response from there i had gone to your paschim vihar branch to give a letter for cancil the policy they also dont knw where is my documents. After few days when i visited to your branch then i knw that some Mr B.S Gandani received the documents i dnt know from where he came into the picture again i am very surprised from your services when i went to your branch then i knw otherwise no information from your side .But i confirm you that I dont knw who is he.I dont know why you are doing all this kind of noncence. Do what you want any verification we are ready for that.
I am totally HARRASED, MENTALLY & PHYSICALLY disturbed. You people must have deducted many charges for the policy servicing. You people please check your services. I am not liable for the lost of policy document..
Last but not the least..please do the needfull & reverse my money back as soon as possible otherwise i have to take further steps.
Rs 90000/- is not a small amount for me atleast this time i trust on you and get full justice. I just want my money back.

Thanking you
Sarita gandhi
[protected]













Please do not print this email unless it is absolutely necessary

********************************************************************************...⇄
DISCLAIMER The information contained in this communication is intended solely for the use of the individual or entity to whom it is addressed and others authorized to receive it. It may contain confidential or legally privileged information. If you are not the intended recipient you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this information is strictly prohibited and is unlawful. If you have received this communication in error, please notify us immediately by responding to this email and then delete it from your system. HDFC Standard Life Insurance Company Limited is not liable for any improper and/or incomplete transmission of the information contained in this communication or for any delay in its receipt or for any damage caused by malicious code or alteration by any third party. The contents of this email do not necessarily represent the views or policies of HDFC Standard Life Insurance Company Limited
********************************************************************************...⇄








Please do not print this email unless it is absolutely necessary

********************************************************************************...⇄
DISCLAIMER The information contained in this communication is intended solely for the use of the individual or entity to whom it is addressed and others authorized to receive it. It may contain confidential or legally privileged information. If you are not the intended recipient you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this information is strictly prohibited and is unlawful. If you have received this communication in error, please notify us immediately by responding to this email and then delete it from your system. HDFC Standard Life Insurance Company Limited is not liable for any improper and/or incomplete transmission of the information contained in this communication or for any delay in its receipt or for any damage caused by malicious code or alteration by any third party. The contents of this email do not necessarily represent the views or policies of HDFC Standard Life Insurance Company Limited
********************************************************************************...⇄





<<Snap0040.jpg>>




Please do not print this email unless it is absolutely necessary

********************************************************************************...⇄
DISCLAIMER The information contained in this communication is intended solely for the use of the individual or entity to whom it is addressed and others authorized to receive it. It may contain confidential or legally privileged information. If you are not the intended recipient you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this information is strictly prohibited and is unlawful. If you have received this communication in error, please notify us immediately by responding to this email and then delete it from your system. HDFC Standard Life Insurance Company Limited is not liable for any improper and/or incomplete transmission of the information contained in this communication or for any delay in its receipt or for any damage caused by malicious code or alteration by any third party. The contents of this email do not necessarily represent the views or policies of HDFC Standard Life Insurance Company Limited
********************************************************************************...⇄