[Resolved]  Kotak Life — fraud

Dear Sir,
policy no.00301325
Sub: Fraud and change proposal form
I am very disappointed to receive unjustified report for above issue. I want to draw your Kind attention for below mention points to justify my view.
1) I am senior citizen and applied a single term policy on dt .21/12/2004 for Rs 1,00,000/- to insure my life and against that i has issued a cheque drawn on uco bank but for some reason my cheque was dishonored. After that kotak people told me to issue banker cheque against that cheque so i made a pay order on dt 17/1/2005 and hand over to kotak people without proposal form, pan card, and balance sheet.
2)When I have not received policy through post after 2 months, then i made complaints to customer care and kotka people for inquiry.
3) After 4-5 Months I received call from kotak people and inform me to collect the policy from brabourne road branch, Kolkata.
4)I reached the branch and collect the policy, after receiving policy document I saw that my proposal form has been change with duplicate proposal form and signature. Immediately i contact branch manger and inform about cheating then manger verify my signature and told me that signature is mismatched with pan card and he will communicate with RO and change the policy from multiple to single term policy.
5)As per manager advice i wrote letter for discrepancy in policy and hand over to manger with in 7 days, and he also inform that this policy can not cancel because as per 15 days overlook period is over. He verbally promised me that he will change the policy terms from multiple to single premium.
6)That above manger may be suspended or left and new manager told me to direct communicate to Mumbai Customer care and i lodge many complaints over phone and mail id, but my all complaints went to deaf ears.
7)I have not submitted any document with proposal form then i think that these all document(Pan Card Xeox, balance sheet, medical check up report)must be change from my old proposal with the help of Kotak Back Office People. The company has kept policy document for 5 months in branch and when they released their commission (app 25%) they inform me to collect policy from branch
8) The kotak people never appoint any officer or approach me regarding fraud Because they Knew that their people are involved and they all are suspended for this type if practice, If they appoint any officer and easily recognize the signature difference.
9) I had already approach Insurance Ombudsman for justice, but they replied that sale of policy is not covered under RPG rules 1998 and my complaints dismissed.
10) This is policy is not issued as per terms condition because Policy proposal form is not signed by me.
So I request you to looks in to above points and take signature expert view for false proposal form
Thanking You,
Manharlal Kothari
[protected]/40034508
[protected]@hotmail.com