[Resolved]  HDFC Bank — Wrong spelling practice & false commitment & duplicate signature on Insurance illustration form.

HDFC Life — NON DELIVERY OF COURIER LETTER

I HAVE SEND THE LETTER THROUGH PROFESSIONAL COURIER DOCKET NO.NEY 087581 DATED 18/08/08 FROM NEYVELI MAIN BAZAAR BRANCH TO PONDICHERRY HDFC LTD, HOTEL MASS ARCADE, 152 MARAIMALAI ADIGAL SALAI, PONDICHERRY-1. IS TILL NOT DELIVERED. KINDLY GIVE A LINE OF REPLY IMMEDIATELY THE STATUS OF THE DOCKET. THANKING YOU.

Dear Neeraj,

Your issue pertains to HDFC Life, we request you to email your concern to [protected]@hdfclife.com with your complete name, contact number, description of your concern and your policy number.They will ensure that your query concerning your Insurance is resolved at the earliest.

Regards, HDFC Customer Assistance.

Dear Mr Beniwal,

Your complaint has been escalated and our team will respond to you shortly.

Regards
HDFC Life

Hi,
Thanks god at least now you have responded on the same.

How you can do duplicate signature or cheat innocent person. I have proof, i will claim against HDFC Life must be closed & their license must be cancelled by India Law.
For last 3 months harassment, HDFC Life Insurance has to pay for that... Now i will take a claim of Rs 3 lacs from you. Lesson should be given to MNC companies for their wrong practices.
I will not leave HDFC Life simply.


Thanks
Neeraj Beniwal
[protected]

Dear Mr Beniwal,

As discussed with our team, we hope to have addressed your apprehension and assure you the best of services always.

Regards
HDFC Life

Dear Mr Beniwal,

As discussed with our team, we hope to have addressed your apprehension and assure you the best of services always.

Regards
HDFC Life

Dear HDFC LIFE team,

For your information, till date their is no response. if that is the way to address customer issue & am surprised, still not return my money Rs 50000.

Don't worry, i will allow you to digest my hard earned money to HDFC Life. That my promise to you.I am just accumulating the proof to close company like you for frauds & wrong commitments.

I will claim of Rs 3 lacs MINIMUM For last 6 months harassment to HDFC Life Insurance.

Neeraj Beniwal
[protected]

thanks for long awaited mail from HDFC LIFE,

Just correct you, till date i have not received any respond from your side. Surprised to see your mail & way of addressing customer issue, still my hard-earned money not return which is Rs/-50000.

Don't worry will not allow company like HDFC LIFE to digest my hard earned money. I have all proof & just mapping to put my proof in right way to consumer court to expose HDFC LIFE.

I will claim minimum Rs 3 lacs on HDFC LIFE for last 6 months harassment & for your wrong practices in such professional world.

Neeraj Beniwal - [protected]

Thanks for long awaited mail,
Just to inform you, there is no respond from your side regarding the subject matter. It was a great surprise & shock for to see ur mail and addressing the customer issue. Still i have received my hard earn money of Rs/- 50000 from HDFC LIFE.
Don’t worry, I will not allow insurance company like HDFC LIFE to digest my hard earn money, after all fraud & wrong selling practice toward customer.

I will claim minimum Rs 3 lacs to HDFC LIFR for last 6 months harassment & wrong commitments & cheating.

Neeraj Beniwal - [protected]

I enrolled a policy in HDFC life on 15th Jan 2013.
Policy name: HDFC Life Sampoorn Samriddhi Insurance Plan
Policy Num:15740065
Policy Holder Name: Rajib Chowdhury
Contact Num: [protected]

When the HDFC Life Representative Rahul( Ph Num :[protected]) called me for that policy he assured me that the premium would be payable for 5 years (INR 25000 per year *5) and after 5 years assured maturity amount would be 1, 93, 000 Rs.But when I received the policy paper on 25th Jan, 2013, it says the policy premium is to be paid for 11 years and the maturity amount is 2, 18, 975 Rs.maturity date 15/01/2024.the nominee details is totally wrong and I don’t even know the nominee.
So according to the policy I have to Pay approx 2, 75, 000 RS in 11 years and after 11 years I will get 2, 18, 975 RS.Is it called an investment plan? Are you making fun of the customers?After getting the documents signed by me HDFC representative filled the documents with 11 years policy and 2, 18, 975 RS maturity amount.

So I called the same representative Rahul( Ph Num :[protected]) today and he asked me to sort the matter in HDFC life office and he could not help me in this matter.When I asked him as he was the agent he needed to look after my concern, He abused me using slang language (“Tu jo ukharna hai ukhar lijiye, Tu mere ek baal bhi ukhar nahin sakta” ) .Is this way of handling a customer who is in trouble.then I called your customer care and the representative also told me he could not help me in any way in this matter of wrong policy and the misbehave.
I went to HDFC bank Sector V Saltlake Kolkata branch and they told this is not an issue of HDFc bank as this is HDFC life issue and not related to HDFC bank.

Then I went to HDFc Life Saltlake BD Sector branch and the customer care executive told me the policy was issued through one brokerage firm and they could not do anything.But as a customer I was not aware whether the person who collected my docs, who called me, who collected my checque were from any 3rd party vendor.I knew I issued the cheque for HDFc Life and they represented themselves as HDFC employee.The existence of third party is completely under HDFC Life’s knowledge and the end customer should not bother about them.

Agent Details:
NETAMBIT INSURANCE BROKING INDIA LTD
ADDRESS : C-20 SECTOR 7 NOIDA UP
CODE 00456065
LICENSE NO:403

The executive in HDFC life, BD Block, Saltlake told me to cancel the policy but in this method I will lose 1000 rs as different charges.But according to policy provisions I am supposed to provide only stamp Duty (Rs 43.79)+Medical Examination incurred By HDFC on me (RS 0 [Zero])+proportionate Risk premium for the period on Cover ( 684.93 Rs) Which is lesser than 1000 RS.But Why will I give that amount where HDFC life gave me wrong information?

So At the end of the day I will be the loser where I abused by your representative, I lost 1000 RS.But I will go ahead with this cancellation and then take this issue to consumer forum and Insurance Ombuds process.

Now am feeling, HDFC Life insUrance company does not own customer complaints & no body respond in professional manner. All fake feedback is updated on line.


There was no respond from yoUr side regarding the subject matter. It was a great sUrprise & shock for to see Ur mail and addressing the customer issue.

Still i have not received my hard earn money of Rs/- 50000 from HDFC LIFE.

Don’t worry, I will request & show all evidence to IRDA to close & stopped HDFC Life in India & put heavy penalty for harassment & wrong commitments & cheating & mis selling.

Neeraj Beniwal

HDFC Life — wrong saling

sir i buy life insurance 3 yr before 50000per yr when i buy he say u need pay only 3 time .but now he say no it 5 yr locking period .when i call office he not guide me plz solve my problem

HDFC Life cannot sit keep quite & you have to pay for it. I am going to talk with media and face book to make them people aware & protect and save guard from HDFCLIFE. Will request to cancel the HDFC LIFE LICENCE on the basis of fraud and misspelling activities. I have more 5 than persons, who also suffered from the same type of issue; I will bring them together to challenge HDFC Life wrong practice.
Give your final answer & reply to me.

I request to all HDFC Life victim, come forward will put in front of media and consumer court.

CALL ON THIS NUMBER [protected] NAME IS RAVINDRA AGGARWAL THIS PERSON SOLVE YOUR PROBLEM

Hi Mr. Neeraj Beniwal,

Adding to the above thread, I would also like to raise my voice regarding the fraud conducted by HDFC Life and NetAmbit.

Lets join hands and be together to fight for our rights as a Consumer. Please contact me at below number the earliest so that we can take up the matter forward to the Consumer Court.

Name - Vipin Kalra
Mobile no. - [protected]
Policy no.[protected]
Policy name - HDFC Life Sampoorn Samriddhi Insurance Plan
Broker - NetAmbit

The details of fraud conducted with me:
• It is a clear case of forgery, duplicate signature and false commitments.
• My signs are forged. I did not sign on the illustration.
• Printed form in the policy document is too blurred, unclear and unreadable. I showed it to branch people and they accepted this. Even the executive at the branch could not read it.
• Return on policy is much below than promised. Executives told me that I will get Rs. 2, 80, 000 by paying Rs.1, 50, 000 in 5 yrs. (Rs.30, 000 annually). How can they sell insurance by saying it as an investment plan?? Moreover, sum assured is Rs1, 10, 000. Even after paying Rs.1, 50, 000 in 5 yrs, I will not get Rs.1, 50, 000.
• I was never aware that the policy is being sold by the Broker NetAmbit. Executives always told me that they are the employees of HDFC Life, Mayur Vihar Phase 1, and Delhi branch.
• The executives told me I should say yes to everything on welcome call as the agents doing welcome calls have fixed scripts in front of them and they are least aware about the policy. Also, the calling agents always tell the minimum maturity amount and these people (HDFC people) have more information on policy and about its guaranteed bonus, etc. Further, denying to terms on welcome cal can lead to negative impression, policy cancelation or HDFC will not service the policy in future or, HDFC life can blacklist me. I trusted them as they were HDFC executives.
• They also informed me that branch is offering cash back every year and a club membership from its own just to increase sales.
• The names, numbers and email Ids of the executives who were in direct touch with me are -Sumit Chaudhary (mobile no.:[protected]), Rahul (mobile no.:[protected]), Amit (mobile no.:[protected]), Vinod (mobile no.:[protected]), Email Ids used: [protected]@hdfc.com and [protected]@gmail.com, Landline number:[protected].
• First they issued me a policy with 11 years terms. When I asked them that I was interested in 5 years, they got that policy cancelled and issued me fresh policy with 5 years terms. Due to this, my policy number changed to 15729572 from 15627473. They asked me just to give a letter that was collected by an executive but I never signed any illustration or new form as they told me that it was not at all required. But I was shocked to see that the new policy received contained my forged signs.
• After this, I tried to contact the above 4 executives but all mobile numbers and landline number was switched off. I kept on trying for few days and due to this I lost on free-look in period. During my initial talks, executives told me that they can get the policy cancelled anytime within 6 months and I trusted them as a genuine employee of HDFC. I also mailed them but all went unanswered.
• I visited Mayur Vihar Phase 1, Delhi branch on 30-Mar-13 and found that policy was issued by NetAmbit and HDFC life has nothing to do with it.
• I filled written complaint which was sent to grievance department in Mumbai. They conducted their own assessment without even contacting me once and denied my complaint as missale.
• When I planned to file it on IRDA web portal, I found that someone has already created my login ID using my personal details such as mobile number, address and raised very brief and basic complaint (don’t know its HDFC or NetAmbit). The complaint raised was just on free gifts and vouchers offered by the agents. It never mentioned that that SIGNS WERE FORGED, PRINTED FORM IN THE POLICY DOCUMENT IS TOO BLURRED AND UNREADABLE and RETURN ON POLICY IS MUCH BELOW PROMISED.
• Now branch people are not listening to me. None of NetAmbit person is traceable.

In addition to financial harrasement, it is mental harrasement too which I am going through. I would like HDFC people to refund my money at the earliest.

Hi Mr. Neeraj Beniwal,

Adding to the above thread, I would also like to raise my voice regarding the fraud conducted by HDFC Life and NetAmbit.

Lets join hands and be together to fight for our rights as a Consumer. Please contact me at below number the earliest so that we can take up the matter forward to the Consumer Court.

Name - Vipin Kalra
Mobile no. - [protected]
Policy no.[protected]
Policy name - HDFC Life Sampoorn Samriddhi Insurance Plan
Broker - NetAmbit

The details of fraud conducted with me:
• It is a clear case of forgery, duplicate signature and false commitments.
• My signs are forged. I did not sign on the illustration.
• Printed form in the policy document is too blurred, unclear and unreadable. I showed it to branch people and they accepted this. Even the executive at the branch could not read it.
• Return on policy is much below than promised. Executives told me that I will get Rs. 2, 80, 000 by paying Rs.1, 50, 000 in 5 yrs. (Rs.30, 000 annually). How can they sell insurance by saying it as an investment plan?? Moreover, sum assured is Rs1, 10, 000. Even after paying Rs.1, 50, 000 in 5 yrs, I will not get Rs.1, 50, 000. I have already paid Rs. 30, 000 as first premium.
• I was never aware that the policy is being sold by the Broker NetAmbit. Executives always told me that they are the employees of HDFC Life, Mayur Vihar Phase 1, and Delhi branch.
• The executives told me I should say yes to everything on welcome call as the agents doing welcome calls have fixed scripts in front of them and they are least aware about the policy. Also, the calling agents always tell the minimum maturity amount and these people (HDFC people) have more information on policy and about its guaranteed bonus, etc. Further, denying to terms on welcome cal can lead to negative impression, policy cancelation or HDFC will not service the policy in future or, HDFC life can blacklist me. I trusted them as they were HDFC executives.
• They also informed me that branch is offering cash back every year and a club membership from its own just to increase sales.
• The names, numbers and email Ids of the executives who were in direct touch with me are -Sumit Chaudhary (mobile no.:[protected]), Rahul (mobile no.:[protected]), Amit (mobile no.:[protected]), Vinod (mobile no.:[protected]), Email Ids used: [protected]@hdfc.com and [protected]@gmail.com, Landline number:[protected].
• First they issued me a policy with 11 years terms. When I asked them that I was interested in 5 years, they got that policy cancelled and issued me fresh policy with 5 years terms. Due to this, my policy number changed to 15729572 from 15627473. They asked me just to give a letter that was collected by an executive but I never signed any illustration or new form as they told me that it was not at all required. But I was shocked to see that the new policy received contained my forged signs.
• After this, I tried to contact the above 4 executives but all mobile numbers and landline number was switched off. I kept on trying for few days and due to this I lost on free-look in period. During my initial talks, executives told me that they can get the policy cancelled anytime within 6 months and I trusted them as a genuine employee of HDFC. I also mailed them but all went unanswered.
• I visited Mayur Vihar Phase 1, Delhi branch on 30-Mar-13 and found that policy was issued by NetAmbit and HDFC life has nothing to do with it.
• I filled written complaint which was sent to grievance department in Mumbai. They conducted their own assessment without even contacting me once and denied my complaint as missale.
• When I planned to file it on IRDA web portal, I found that someone has already created my login ID using my personal details such as mobile number, address and raised very brief and basic complaint (don’t know its HDFC or NetAmbit). The complaint raised was just on free gifts and vouchers offered by the agents. It never mentioned that that SIGNS WERE FORGED, PRINTED FORM IN THE POLICY DOCUMENT IS TOO BLURRED AND UNREADABLE and RETURN ON POLICY IS MUCH BELOW PROMISED.
• Now branch people are not listening to me. None of NetAmbit person is traceable.

In addition to financial harrasement, it is mental harrasement too which I am going through. I would like HDFC people to refund my money at the earliest.

Hello Vipin,

Sure will file a joint case against such FRAUD company, HDFC LIFE INSURANCE.

Same thing happen with me,

My signs are forged. I did not sign on the illustration and It is a clear case of forgery, duplicate signature and false commitments.

Regards
Neeraj Beniwal
[protected]

have you guys taken any action against HDFC life? Even I am facing similar issue & having hard time getting my money back. Please let me know if there is a legal action taken already?? I would like to take the issue to consumer court if I don't get my money back.

Hi,

I am also a victim of this type of fraud by Net Ambit/HDFC.

I have taken two policies (Sampoorna Samridhi) and they have done forged signature of mine on Illustration table.

Please reply if there had been any resolution to similar problems raised by other customers?

I am also thinking of taking a legal action.

Shashank
[protected]

p. no. 14194451 in the name of anil kumar juneja

customer care executive Ms. Divya is so rudely talk to me. I want my policy details. but she Deny to give any detail to me. So you take strict action against divya immediately. thanking you, ANIL KUMAR JUNEJA [protected]