[Resolved]  HDFC Bank Standard Life Insurance — Lack Of Service and security

I took Home loan from HDFC, So the loan agent asked me i need to start a insurance policy with HDFC, later I came to know at all it is not required. Anyway as the loan agent(HDFC employee) asked me for an insurance I opened one insurance(Policy no:[protected]. He informed me on maturity I will get about 10L, but later i found 10L is the Risk Coverage. Though there was no objection from my side regarding this as being educated I believe on his word rather going through all the written materials(any way those script are not readable, if one finished up with reading, sure one has to go to eye specialist).
After a year when I got my staement(e-statement) from HDFC Standard Insurance, I found my address totally got changed. where as never I have made any address change request. Even they have changed my fathers name as well as my signature too.
So At first I tried to communicate through customer care several days several times regarding this, One of them suggested me to send a mail to their service(so called graviance) department. Hence I act to the very next time, and got a prompt reply, they are looking into the matter.Then very next day got a reply from service dept that my submitted document is showing the address that has been mentioned in my e-statement. So I got surprosed, How is it possible that i have not noticed that all my document is showing some one as my father in my entire 38 years. So I asked them to send me all those document, as i need to verify. And when I got those document, very soon realised its not mine but some one else. See in my proposal form form my PAN No is mentioned. And My PAN card certainly it will be mentioned the same. Where as it showing different. Now is not it surprised that by the name shake they did the enquery! oyher wise how they can claim those document was mine. Anyway all those thing also I accepted. Next they asked me to resubmit all the the document and write an application for the same. I feel they wanted to cover up their fault they asked application from me. But on that application I clearly wrote all the document is being re-submitted I need a acceptance leeter of those documents. They have not given. Even next onward i needed to call HDFC for the same, as my premium date was knocking the door. But they told they are doing enquery and it may take 3 weeks to 4 weeks. but i had only 14 days for my premium due date, by the same time I got reminder SMS from HDFC too. As I was not redy to pay any further premium until the current scenario got resolved because I was not sure where I am going to pay the money it's against my policy or some one else. So onme day i told my concern to HDFC people on teleconference, and they suggested me not to pay until it is resolved, and your policy will not be expired. hence for a proof I asked for a mail even several times but they never gave it to me. And all those happend for 2 months(communication- always initiated from my side-never from HDFC side). So one day I lost my temper, while I was talking to one of their employee, and the HDFC employee told me just call after some time, where as to whom I called he/she supposed to call me the day before with the status. Hence I told left and right. For that I appologise also.
But surprisingly on that day only it got solved. So does not it mean due to gentle behafve it was pending???
It's not the end of story, now the next episode. As I opted for ESC payment, I was surprised that even on 2oth Oct (My due date was 15th Oct),2009 - my policy amt Rs. 25K has not been debited from my bank A/C. Hence I had some doubt, If all the document has been placed properly, So I end up calling to Customer of HDFC. They informed already I have given a cheque of 25K(See How can i do it as Mine one ECS), and the cheque got bounced due unavailability of fund. So I asked cheque no and Cheque fo which bank? He replied it was Bank of Boroda. Soon I realised againg something fishy, as I don't have any relation with Bank of Boroda. So clearly I told I have not given any cheque. Something wrong with HDFC , so again I needed to proof it was not my fault but HDFC. Later they realised. If I would not called My policy would get expired and they would take all the money, and I feel it was their intention otherwise about the cheque why the have not intimate if they have thought of that it was issued from me? Next the gentleman has provided the cheque, if his a/c was having proper balance, my a/c would show the reflection and the gentle man issued the cheque against his policy it would get expired. So again after initiation from my side they made a request to my banker for the payment on 6th Nov'2009 and my banker release the fund immidiatly. Today is 5th Dec'2009. They never thought of to send a reciept copy. Hence today i called for the same and they send a ecopy of the same. And asked to the concern officer to give me a call by his boss(I mean any person who is having decission power). So on evening one gentleman called me from HDFC and asked me the concern. Where as he was knowing all the back history. When I came to know that I shouted why then he want me to repeat. he replied that if I shout he will cut the phone. Also he was talking about letter has been dispatched but i have not got it. How is it believable. As I am having my salary a/c with them never missed any communication. I have my Home loan a/c never I missed nay letter. I have my Personal loan with HDFC and never I missed a single letter. Then How does it possible? this was my question to the concerned fellow. he asked me I need some time to enquire.
Actually I am not sure if something wrong happen with me, if my nominee will get the money or not. because it shows that always they trying to hide something.

Please guide me what are legal action I can take for all this mental tension, Even when I asked them for the same they told me you can take a legal action against HDFC. What ever action you want to take agins HDFC, you can take with proud.

I have attached the copy that HDFC claimed, it was submited by me. Actually those were not my document. His name is also Subrata Biswas and mine too. But his fathername is Panchu gopal biswas where as my father,s name is Sudhir Biswas. Also It is not my Photograph and same time it is not my PAN card's xerox.