HDFC Bank Life Sanchay — I want to withdraw my policy and want back my money

HDFC representatives make false commitment that HDFC Life will provide following benefits if I purchase the policy today.
1)Petro card of value 12000.
2)Mediclaim of coverage of 1 Lacs.
3)They return 250000 after paying 5 years of premium.

But after elapsing 1 month they denied these commitments.

HDFC Life is doing fraud against the people in a very organized manner. The whole company is involved in doing fraud against people. Taking up people hard earned money.Some serious action is required to dealt with this fraudster HDFC Life.
Just Beaware! HDFC Life is big fraud. Think thousand times before buying policy from HDFC. They are organized fraud comapany.

Regards,
Mohnish Kumar

Dear HDFC Life Team,
I (Saket Bihari) took you product HDFCSL ClassicAssure on 11th Oct 2012 by paying 65000 Rs from Rewari (Haryana) HDFC life
branch.Due to some financial crunches i was not able to submit the premium for the consecutive years after 2012 till 2015.
In the mean time my work location was transferred from Rewari (Haryana) to Chiplun (Maharastra). I visited Chiplun HDFC life
office and they said you can't withdraw you money as you should run this policy at least for 3 years for that.But unfortunately
i had not that much money to revive the policy again.
Now from Aug-2015 onward, again i started getting messages from HDFC life saying that 100% waiver in interest on your policy
if you revive it.That time i was working in Kolkata. So i visited HDFC life branch Address: 3, Ground Floor, Menaka Estate,
Red Cross Place, Kolkata, 700001.
1) I quiried about my lapse policy from executive date-23rd Mar 2016 and asked 1) How to get my money back? 2) What if somehow
i manage to make the payment of next 3 premium and surrender the policy? 3) What would be the surrender amount?
To answer my questions, she replied 1)You can apply your policy for surrender once it is active. 2) You will have to make next
3 premiums[protected] it was coming around 1.92 lakhs approx. 3) There would be small deductions of 2k to 3k which Mumbai team decides
then in 7 days after applying for surrender you will get your money back.
2) Again I queried about this at [protected]@hdfclife.com on 27th Mar 2016, I got the response that 'You can get the money in
6-7 days of surrendering the policy'When i asked the exact amount no body was giving any figure but said that it is decided by HO.
Based on these assumptions that i will get the money if revive the policy i somehow manage to arrange 1.92 lakhs from my 4 friend
(approx 50 k each) as my finacial situation was not so good that i can run this policy in future and i got married and have a kid
at this time. The liability of extra 64 K /annum is very ardous job for me.
I made the payment of 192338 Rs on 29th Mar-2016.
Payment made till date-
11/10/[protected] Rs
29/03/[protected] Rs
Total -257338 Rs
Now, Dear Sir- As per details mentioned in the mail it is clear and evident that from your confirmation only i have arranged the money
to revive the policy.I have not received any kind of benefit in terms of deduction in 80 C bracket or any claim in any other heading,
However you have better achieved your year end targets.
The money what i have paid, I owe of few people and i need to return them at any cost plus 65 K what i have paid in 2012.
I asked for surrender value on mail and i was surprised (Got mail on 5th April) getting the surrender value as 1.6 lakhs after paying 2.57 lakhs. In any of the financial plan of our country money can't be d evaluated so quickly at least when you have invested in insurance plan (Not in equity).
Request to refund all the money what i invested in HDFC life.You can't take hard earn money of any person (As instructed by IRDA)
Today media is working as very powerful instrument to raise our voices and can create huge impact on any business (at least when it comes on livelihood of a common man with a family).
So I dont want to dis trust on HDFC life.But for a middle class income people 2.57338 lakhs rupees means a lot.
It is very critical and need to be resolved.
It is very hard earn money and as i have said i have borrowed it from someone and need to be payed.


Final status by HDFC life:- They are not going to give me complete money what i have paid. After paying 2.57 lakhs they are giving only 1.6 lakhs. Pathetic.

My words:- Never ever go for HDFC life policy.

Pl help me out.

I am not satisfied with agent and service, I want to surrender my policy.