Bharti AXA Complaints & Reviews

To whom it may concern

Escalation:

Hi,

I begin by mentioning that i am really disappointed and frustrated with the level of customer service bharti axa provides & i've made up my mind to never ever sign up for your insurance schemes for any of my requirements in the near future. Though, i know, this complaint also will go to deaf ears, i am following the process to ensure when i file a customer complaint, i have done proper follow up's.

Complaint: policy provided contains misleading/wrong idv value & premium amount paid
Policy document i2888360 wrongly issued by your team even after providing payment receipt (See attachment)
Policy premium paid: 13700 for idv: 7.2 lakhs (See attachment)
Paid on 9.9.2019 (See attachment)
Policy sent details: idv 7 lakhs & premium amt: 13660/-
Wrong policy shared by soft copy after nearly 3 weeks and several follow up's (Check previous mail threads)
Car no: ka01-mn-9525

My previous insurance policy (Axa bharti) is expiry tomorrow and it's been my biggest blunder to renew my services with such a pathetic company like your's which deserves nothing but rot.

I will be initiating legal action and filing consumer complaint for your fraudulent services.

Regards,
Nirmal jayakumar

Subject: request for noc against my code no bal229388

Dear sir,

I, mrs. Shobha sujan grace, am an advisor in bharti axa life insurnce co ltd at your kurnool branch from june 2018 to till date.
But now i have got a new job in direct payroll, so now i want to resign from my advisor work with immediate effect because i need to submit my noc in new job.
So sir i earnestly request to you please accept...

Hi i am bhavik bhatt my car tuv 300 gj06kh 7233 my car in water fluid damage in vadodara and my car insurance police no
Fpv/i3543375/71/03/003251 and my server [protected] atul ji not properly serve my car is in front of me and not serve fisically come in vadodara he serve my car via picture and video from workshop mr nilesh bhai and i complain so many time but he never pic up my call after i contact bharti axa tall free no and i complain thare and same thing company provide new no mr jigar[protected] bhai and i call to time but not proper answer and solve my problem after atul bhai call me and he says your dumper is not coverage in insurance its in exident but i am true my bumper is in have fluids and thats vai my no plate and my bumper breck and atul ji says fit ho jaye ga mane kaha fit karva do to vo bola workshop ka cam hai ore ma ne workshop pe bataya nilesh bhai ko to bole ye fit nahi hoga 13000 me naya dal na padega please solve my problam

Company name: bharti axa general insurance
Insurance:two wheeler (Bajaj avenger street 220)
Date of transaction: 7/7/19
Mode off transaction:online (Phonepe)
Amount:2544.08
Phonepe transaction id:p1907072020235251493487
I have paid the amount after entering all the details in that portal. And after that they didn't send me any invoice or email. Vehicle no:od19h1631.
The portal:https://www.bharti-axagi.co.in/two-wheeler-insurance

Hi sir,

Bharti axa representative called me for insurance and they said if i purchased the insurance then they will provide me a loan from reliance capital on behalf of bond paper.

Once i got the bond paper and asked him for loan then they said there have some problem with insurance and we need to purchase another policy for any of your family member.

Then the loan will be approve, then i called to reliance capital customer care and they said we are not providing any loan and those are the fraud call.

So i called him for cancel my policy but they did't cancel my policy.

And many times i contacted to bharti axa customer care support and grievance mail id but they didn't support me.

Kindly help me on this. As i have all recording of sales officer & mine. For proof.

My details:-
Name:-amit kumar
Policy number :[protected]

—
Regards
Amit

First mail conversation for estimation on wed aug 14:

— forwarded message —
From: anup javake
Date: wed, aug 14, 2019 at 5:45 pm
Subject: bajaj est. Pdf
To:

Thereafter, there was 15 days of mail conversation for assessment :

Claim assessment person first view : 95% chances are claimed will not pass due to date issue with insurance policy and rc transfer ownership.

I said to him : rc transfer is in process, and it was applied at the time of purchase of vehicle and insurance policy.

But they were not listening to me

On 30 aug: i received rc transfer document from rto, thanks to god, and only then insurance company started their due process of assessment.

Its an open truth: when you buy second-hand car, and you make an accident on the way home: will your insurance will not be approved as you will not have rc transfer document at that time :

Pls answer this question: whosever it may concern :

I am highly dissatisfied with the process, and unprofessional behavior of customer service which did not pay attention to what i was saying to them.

Mail conversations on 30 aug, 2019
Dear head customer service team,

Mail id : head. [protected]@bhartiaxa.com
Cc: rahul mohite,
Ramesh kathepuri,
Sanket kadam,
"javake, anup"

I need your intervention and justice. Please help!

I would like to bring to your kind notice how Bharti AXA has trapped and harassing me for last 70 days and with the hope that I get justice, I am approaching your good office after several failed requests with Bharti AXA.

The heist goes like this:

In the month of March end, I got a beautiful sales pitch from a crooked employee of Bharti AXA for their policy with all high promises, representations, warranties, but, suppressing the truth. Based upon their promises, representations and warranties, I bought Elite Advantage Policy no[protected] by making payment of Rs.62, 699.98. They did not send details in email or refused to give anything in writing.

Even before getting the hard copy booklet of the policy, when I received one pager interim softcopy within 2-3 days of payment, I called their most crooked employee Mr.Rajesh (who trapped me instead of selling the policy), and made it clear in no uncertain term that I want to clearly see the final maturity amount in the policy OR I will cancel the policy immediately. My request was very reasonable and fair. Mr.Rajesh promised and warranted that the final maturity amount will be specified in the policy. Again, I had informed and very clearly demonstrated, made my intention very clear to cancel the policy in/from the day one, that, if I do not see that end amount in the policy, as promised and represented by them. Hard copy of the policy received after few days and the maturity amount was missing. Rajesh tried his best to confuse me. Again, after several calls, Crooked Rajesh promised and agreed to provide the final amount in writing in Bharti Axa letter head. Crooked Rajesh just dodged it endlessly. After few days, he started avoiding my calls as he had already sold the policy and made me a scapegoat. Then started my real misery…I sent him several messages to him and his colleague which I have forwarded to Bharti AXA already as proof of my intention to cancel the policy of the maturity amount is not specified in the policy or in letter head as promised by Bharti AXA. Meantime, I requested for his email id which he never gave.He refused to respond. He never took my calls. But I sent messages of my intention to cancel the policy and asking for refund. (Now I know why he was out of station immediately after selling the policy to me..Looks like its the practice Bharti Axa follows after selling its product.)

Then, product team started same drama and another employee (colleague of Rajesh) of Bharti Axa started her drama one after the other. Crooked Rajesh just disappeared under the pretext of out of station and product team another colleague started interacting with me, who also promised and agreed to provide the final amount in Bharti Axa letter head. Again to the product team and to all employees of Bharti AXA who interacted one after the other, I had made my intention clear of / informed and demonstrated my intention to cancelling the policy if I dont get the letter head wherein final maturity amount specified which Bharti AXA promised in writing. Everyone acted in concert and started to fool me & drag the issue intentionally, so that I surpass the deadline...Nothing happened. I dint receive any letter in letter head till date. They all just wanted to fool me, intentionally buy/extend time, so that I cross/breach the deadline of 15 days to cancel the policy, so that they can refuse cancellation & refund.

All of them had promised me that the letter head specifying the final amount has already been dispatched. I was just waiting. They all talk very sweetly and confuse innocent people . All very (un) professional in fooling me under the pretext that they have sent a letter in the letter head specifying the amount.

Several times I asked for deadline to cancel, but they refused to disclose.

Several times I asked how do i cancel and get my refund, but they refused to disclose.

Several times I asked where do i return the policy, but they refused to disclose.

They all just talk sweetly to fool/ drag/dodge the issue and buy time and do nothing! Their sole intention was to cross 15 days period, so that they claim immunity to refund the amount. It was a trap!

After around 25days, when all my attempts were failed and no one was responding to me, I realized that it was just a trap and they all simply intend to fool me and I wrote an email to cancel the policy and requested for refund of my premium amount. I requested for refund of the amount several times, all in vain!

I want to submit that, I had clearly informed in no uncertain terms and demonstrated my intention to cancel very clear from the day one! But they all played trick in concert to fool innocent people like me .I requested them several times to cancel the policy and refund my amount, but hey all simply dragged it for last 60 days refused and rejected my request. I have provided them every proof to this effect, but all are acting in concert and all their enquiries/review/investigations are sham with the end result being refusal to cancel the policy and refusal to refund the premium amount. It was all sham and malpractice!

During last 60 days of interaction, my experience with Bharti Axa employees have been extremely bad and they we all well trained to fool innocent customers. That’s the reputation of Bharti AXA. Very unprofessional! Had I known their unprofessional approach and fooling attitude of customers beforehand, I would’ve taken everything in writing.

Therefore, in my case 15 days deadline to cancel the policy should not be applicable to me and I should be excused of it as I have done everything possible from my side, but, every department and every employee of Bharti Axa intentionally dodged the issue under the pretext of having sent me a letter in their letter head, so that I miss 15 days deadline to surrender and cancel, but I had expressed & demonstrated my intention to cancel the policy several times before & within 15 days!

I have been harassed by Bharti Axa for last 80 days. And, in my case, even if I continue my association with Bharti AXA by paying subsequent premiums, I may not get all the mount that are due to me, they may reject my insurance claim amount(if any), refuse any amount due to me, they will certainly retaliate against me and treat me badly in future also!

As there was breach of promise, representations and warranty and deceit from Bharti AXA, I kindly request your good selves to instruct them to cancel my policy and refund my amount immediately as I do not want to continue my relationship with Bharti Axa as my experience with them have been extremely bad and Bharti AXA should not cheat and trap other many innocent people like me.

Kindly request your intervention and for justice and equity from you by instructing them to refund my amount! Now they have taken another 2 weeks’ time to review the matter and I know after 2 weeks what is the result/reply is going to be.

Incidentally, another sales crook of Bharti AXA started calling for the same product with his sweet talks. I requested him to email me all details of the product. I have requested him several times and have been waiting his email for last 3 days and he just disappeared.

Bharti AXA is fooling and cheating thousands of innocent people like me every day!!

Please provide justice!

Thanking you

Giri

[protected]

Ishwar ramchandra ghaiwat ke nam se 2 policy bonus ke nam se khulwayi or ye campani ko mail bhi kiya par is kampani kam nhi karati barabar ye kampanike log mile huwe he or eesi tarha o apane kampani me bonus ke namase policy bharwate he kall karake batya par dhyan nhi dete apani kampani me policy ke liye logo ko gumhrah karwati he policy n[protected][protected] ye policy bonus ke nam pe bharwayi or isame vishal bhardwaj. Dipak roy aaditi mishra. Mital or bhi log he or inake n recordings he mo nn.[protected].[protected] hamara paisa hame wapas karo

I have got a call from a telecaller with the name Kunal from [protected] asking for a loan from Bajaj Finserve at lower rate of interest. He transferred my call to senior person named Aniket on [protected], He told me first I need to buy a SIP plan from Bharti Axa. I need to pay a premium of 28, 000 INR for this. Once I get the policy, he will start the process of loan and will get it done within 10 days.

He gave me a Bharti Axa Life Form on Whatsapp and the payment link https://eapp.bharti-axalife.com/onlinepaymentas/onlinepaymentlink . I made the payment. Then he took all my legal documents like Adhaar, PAN, Bank Statements on Whatsapp and a Cancelled cheque copy. I also got verifications done by these numbers.

Landline No. :[protected]
Mobile: [protected]

Then he told me to wait for the Policy but the process will be started for the loan from today, 21/08/19.

He received my call today and told I will get call from Bajaj for loan but didn't get any call. Now, his phone is switched off.

I have found a similar complaint on Twitter also with Bharti Axa on January. But instead of helping the person and giving him right advise, they were advising the person to register his number on NDNC for not getting such call. They didn't came up with the steps or any cross questions for further investigations. It clearly shows their nexus with such fraudsters.

If Bharti Axa was aware of such fradulent activities with their name, what steps they have taken to curb that. Had they taken any step strongly, I would not have faced such problem today.

I would like to get the person punished for his fraudulence act as well as Bharti Axa for his irresponsible behavior.

This is complaint regarding issuing of 6 new policies by misguiding and misleading form your concern person pravin chauhan. When i received the message of deduction money from my account i was shocked and i call back pravin chauhan was scared and afraid and told me that t6he money shall be transferred back to my account and he shall meet me in my office regarding the same but the same didn’t happened and one the second call when i informed him that i shall come down to thane branch in between when i tried to contact the thane branch i had the idea he had moved. I went to thane branch and immediately close mine and my sister’s both policies. I was paying approx. 13, 000/- rupees each for mine and my sister policy without a single laps in these fourteen (14) years. My blood earn saving wasted on your company. He misslead me to transfer money for my children as in the same premium the policy shall run. A persons hard earning appprox. Rupees twenty six thousand (26, 000/-) paid in one year very difficultly.. How cum can apart from that money another two lakhs (2, 00, 000/-). This money spoil and my complaint not responded by the callege (Office person) of pravin chauhan.
He has also activated my ecs by cheating.
Also during this period i received several calls to pay the premium. Your company need person like pravin chauhan as employee, you don’t need customers like us pay back my transfered amount and close my all policies.

Two policies were intentionally and forcefully issued on 28.03.2019, by bharti axa life for a retired person (Kamlesh guha) of 69 years. While issuing such policies original pan card has not been verified. As per pan card the d. O. B. Is 14/08/1950 but the same as per policy bond is 14/08/1960. Fyp was en cashed for rs. 270, 000/-

The complain has been lodged for such policies (No :[protected] &[protected] with the insurance company and also with irda, for cancellation and refund of amount.

But till date i. E., after 45 days no such refund has been made nor the dispute has been settled.

Kindly confirm at mail - [protected]@gmail.com

I would like to bring to your kind notice that i have taken a policy from your concern team at chennai in the month of mar2019 with promises concluding on higher return and claiming to get me loan through this investment from bank & as committed there is no insurance broker between me and insurance.

Today when i checked the documents all promises made for return was not mentioned and your customer care team also agreed to this statement, also your representative is not responding, your sales manager mislead me for getting me higher return and also getting loan against the cover amount mentioned in the policy..

False commitment made by bharathi axa as follows:
-manager - [protected]
-spoc-[protected]

I request you to close this policy and refund the amount paid at the earliest.

Policy no:[protected]
Name : manigandan. P
Plan name: bharti axa life elite advantage plan
Mobile : xxxxxx

Bonus ke nam par ishwarrao ramchandra ghaiwat mo. No.[protected] or campany me phone lagya tha kuch batate nhi dheli se (विशाल भारदवाज दिपक रॉय आदिती मिशरा मितल) इन लोगो ने बोनस के नाम पर पैसे भरवाये ओर policy no.[protected] or[protected] ye policy no he or mere pass caall recording he or muzhe mere paise wapas karan chahiye or ye kamani ke fraud log bonus ke nam pe campani band honi chahiye

I have applied for claim of my vehicle with bharti axa policy no. Fpv/i2265781/25/10/001372.
After the survey my claim was accepted and garage was asked to start with work.
After few days while claiming, thy have asked for all documents and later they said this cannot be accepted coz of death of owner.
Its a fraud & now the person says i have asked my senior verbally and he had accepted the claim.
I have signatures of incharge person on bills.
Never go for bharti axa insureance.

Its almost 3 weeks now since i have submitted my claims for my vehicle grand i10.
There has been no update from bharti axa side.
When trying to call there executives, they are not picking the calls.
My policy number is s6680947. Vehicle is grandi10.
Really pathetic service, since vehicle is lying in service centre for almost a month now.
Would never recommend anyone to go with bharti axa insurance.
Pathetic people.

I need your intervention and justice. Please help!

I would like to bring to your kind notice how bharti axa has trapped and harassing me for last 70 days and with the hope that i get justice, i am approaching your good office after several failed requests with bharti axa.

The heist goes like this:

In the month of march end, i got a beautiful sales pitch from a crooked employee of bharti axa for their policy with all high promises, representations, warranties, but, suppressing the truth. Based upon their promises, representations and warranties, i bought elite advantage policy no[protected] by making payment of rs.62, 699.98. They did not send details in email or refused to give anything in writing.

Even before getting the hard copy booklet of the policy, when i received one pager interim softcopy within 2-3 days of payment, i called their most crooked employee mr. Rajesh (Who trapped me instead of selling the policy), and made it clear in no uncertain term that i want to clearly see the final maturity amount in the policy or i will cancel the policy immediately. My request was very reasonable and fair. Mr. Rajesh promised and warranted that the final maturity amount will be specified in the policy. Again, i had informed and very clearly demonstrated, made my intention very clear to cancel the policy in/from the day one, that, if i do not see that end amount in the policy, as promised and represented by them. Hard copy of the policy received after few days and the maturity amount was missing. Rajesh tried his best to confuse me. Again, after several calls, crooked rajesh promised and agreed to provide the final amount in writing in bharti axa letter head. Crooked rajesh just dodged it endlessly. After few days, he started avoiding my calls as he had already sold the policy and made me a scapegoat. Then started my real misery…i sent him several messages to him and his colleague which i have forwarded to bharti axa already as proof of my intention to cancel the policy of the maturity amount is not specified in the policy or in letter head as promised by bharti axa. Meantime, i requested for his email id which he never gave. He refused to respond. He never took my calls. But i sent messages of my intention to cancel the policy and asking for refund. (Now i know why he was out of station immediately after selling the policy to me.. Looks like its the practice bharti axa follows after selling its product.)

Then, product team started same drama and another employee (Colleague of rajesh) of bharti axa started her drama one after the other. Crooked rajesh just disappeared under the pretext of out of station and product team another colleague started interacting with me, who also promised and agreed to provide the final amount in bharti axa letter head. Again to the product team and to all employees of bharti axa who interacted one after the other, i had made my intention clear of / informed and demonstrated my intention to cancelling the policy if i dont get the letter head wherein final maturity amount specified which bharti axa promised in writing. Everyone acted in concert and started to fool me & drag the issue intentionally, so that i surpass the deadline... Nothing happened. I dint receive any letter in letter head till date. They all just wanted to fool me, intentionally buy/extend time, so that i cross/breach the deadline of 15 days to cancel the policy, so that they can refuse cancellation & refund.

All of them had promised me that the letter head specifying the final amount has already been dispatched. I was just waiting. They all talk very sweetly and confuse innocent people. All very (Un) professional in fooling me under the pretext that they have sent a letter in the letter head specifying the amount.

Several times i asked for deadline to cancel, but they refused to disclose.

Several times i asked how do i cancel and get my refund, but they refused to disclose.

Several times i asked where do i return the policy, but they refused to disclose.

They all just talk sweetly to fool/ drag/dodge the issue and buy time and do nothing! Their sole intention was to cross 15 days period, so that they claim immunity to refund the amount. It was a trap!

After around 25days, when all my attempts were failed and no one was responding to me, i realized that it was just a trap and they all simply intend to fool me and i wrote an email to cancel the policy and requested for refund of my premium amount. I requested for refund of the amount several times, all in vain!

I want to submit that, i had clearly informed in no uncertain terms and demonstrated my intention to cancel very clear from the day one! But they all played trick in concert to fool innocent people like me. I requested them several times to cancel the policy and refund my amount, but hey all simply dragged it for last 60 days refused and rejected my request. I have provided them every proof to this effect, but all are acting in concert and all their enquiries/review/investigations are sham with the end result being refusal to cancel the policy and refusal to refund the premium amount. It was all sham and malpractice!

During last 60 days of interaction, my experience with bharti axa employees have been extremely bad and they we all well trained to fool innocent customers. That’s the reputation of bharti axa. Very unprofessional! Had i known their unprofessional approach and fooling attitude of customers beforehand, i would’ve taken everything in writing.

Therefore, in my case 15 days deadline to cancel the policy should not be applicable to me and i should be excused of it as i have done everything possible from my side, but, every department and every employee of bharti axa intentionally dodged the issue under the pretext of having sent me a letter in their letter head, so that i miss 15 days deadline to surrender and cancel, but i had expressed & demonstrated my intention to cancel the policy several times before & within 15 days!

I have been harassed by bharti axa for last 80 days. And, in my case, even if i continue my association with bharti axa by paying subsequent premiums, i may not get all the mount that are due to me, they may reject my insurance claim amount (If any), refuse any amount due to me, they will certainly retaliate against me and treat me badly in future also!

As there was breach of promise, representations and warranty and deceit from bharti axa, i kindly request your good selves to instruct them to cancel my policy and refund my amount immediately as i do not want to continue my relationship with bharti axa as my experience with them have been extremely bad and bharti axa should not cheat and trap other many innocent people like me.

Kindly request your intervention and for justice and equity from you by instructing them to refund my amount! Now they have taken another 2 weeks’ time to review the matter and i know after 2 weeks what is the result/reply is going to be.

Incidentally, another sales crook of bharti axa started calling for the same product with his sweet talks. I requested him to email me all details of the product. I have requested him several times and have been waiting his email for last 3 days and he just disappeared.

Thanking you

Giri

[protected]

This is complaint regarding issuing of 6 new policies by misguiding and misleading form your concern person pravin chauhan. When i received the message of deduction money from my account i was shocked and i call back pravin chauhan was scared and afraid and told me that t6he money shall be transferred back to my account and he shall meet me in my office regarding the same but the same didn’t happened and one the second call when i informed him that i shall come down to thane branch in between when i tried to contact the thane branch i had the idea he had moved. I went to thane branch and immediately close mine and my sister’s both policies. I was paying approx. 13, 000/- rupees each for mine and my sister policy without a single laps in these fourteen (14) years. My blood earn saving wasted on your company. He misslead me to transfer money for my children as in the same premium the policy shall run. A persons hard earning appprox. Rupees twenty six thousand (26, 000/-) paid in one year very difficultly.. How cum can apart from that money another two lakhs (2, 00, 000/-). This money spoil and my complaint not responded by the callege (Office person) of pravin chauhan.
He has also activated my ecs by cheating.
Also during this period i received several calls to pay the premium. Your company need person like pravin chauhan as employee, you don’t need customers like us pay back my transfered amount and close my all policies.

I bought a bharthi axa general insurance for my car last month on 28th june, 2019. I haven't received the soft copy yet despite numerous calls on their toll free number. I made a request 72 hours ago but no action has bee taken. The agent doesn't pick my calls or respond to messages.
Reference number:02476783
Transaction number:[protected]
Agreement id: 51624387fpv
Agent name:prateek

Dear sir /madam
I am dr kirtimalini dalbhanjan. I had taken a pension policy called as dream life pension policy in feb'2008 from pune office from mr saurabh shukla and mr praveen barve. It was half yearly premium plan and i was paying rs 50000/- every 6 monthly for the past 10years without a single default. While taking the plan they assured me monthly pension of approximately 25000/- if i remember correctly.
In march 2018 mr amol kamble from thane branch of bharati axa sent me email saying that this policy is now matured. When i asked about the monthly pension he and his senior officer mr kshitij saxena told me that, that scheme was closed long back and now i have to reinvest in either sbi or lic india's pension plan. This was a shock to me. And in reality this is a gross breach of trust of a customer. Still i was patient. I asked them if i don't want to reinvest and claim all my due amount what is the procedure? On this, they replied that i can't do that as per rbi's rules. They said i can have 40%of the due amount and rest i have to reinvest in any organization's pension scheme. I agreed reluctantly because i was not happy the way your organization hide information of closing of a scheme from customer and now compelling to reinvest in other company's scheme.
On the top of that they also compelled me to reinvest from that 40%amount which they said they will encase or transfer to my bank account, on my daughter's name. I am a person who try to avoid arguments so was very compliant with their suggestions and reinvested 2.5 lacs inr on daughter's name. I hoped that at least the remaining amount of 3.75 lacs will be deposited in my bank account but after waiting for months together nothing is happening.
I am really disappointed and frustrated the way your officers are handling this case.
I need help from your side to address my concerns at your earliest or i may have to seek a legal advise and action against the gross breach of trust by your company.
Thanks
Dr kirtimalini dalbhanjan

I am islamuddin i have invested in a plan of bharti axa plan name - bright star i have got that policy in 2009. I have deposited20, 000 for 3 years and so i have deposited 60, 000 and my plan was in lose of 20, 000 or 22, 000.

Then two senior relationship officer - direct distribution yours come to me one name was vipin marwah his mobile number is [protected] and other name was rajiv ranjan his mobile number is [protected]. They said me that your plan bright star is going in loss.
So we will change your plan bright star into bharti axa life secure savings plan.
They said that you will get 10% profit on bharti axa life secure savings plan. That time i have 39, 000 rupees in bright star plan. They said to convert my plan, i was not sure for that but they convinced me that you will got profit in this plan there is no risk or no loss in this plan. Then they asked to gave the documents of my bright star policy. Again and again i was telling that i have don't know english i asked to them that are they doing fraud to me but they said that we are comed from we are not doing any fraud and trust on us. They have give me their visiting card also and i also have visiting card of them both. Then i gave the bond of the policy bright star. I have also said that i will not deposite any extra amount in that new policy because i don't have enough money. But they have said that you don't have to deposite any extra money in that policy. Then suddenly i got a call from bharti axa they said me to deposite 30, 000 twice and then then your policy will start.
Then a girl named rukmani comed to us she was comed to bharti axa life. I have told her all things. Then she also talked. With vipin marwah she said to vipin that my police is not one time policy i have to deposite money but vipin said to rukmani that my policy is one time policy and i don't have to deposite any money.
And now i don't know about my money in bright star the 60, 000 that i haved deposited i have deposited it with very difficulties because i don't have enough encome. I am normel worker and now i facing too many problems because of vipin marwah and rajiv ranjan.

At last i only that you will help me to bring my money back as soon as possible...
Please help me...
My contact number - [protected]

I hope you will help me...
I will be very thankful of yours if you help me..