Aviva Life Insurance Company India Complaints & Reviews

Dear Sir / Madam,

My father late Mr Ramesh mehta ( expired on 08th April 2009), had taken a life insurance policy in 2005

we have been paying the premuims regularly without any gap

when i lodged the death claim in the event of his death, aviva rejected the claim saying there was some pre existing diabetes which was not declared at the time of taking policy

my dad had taken this poliy alongwith met life in the same year 2005 and the claim from met has been settled very promptly same with LIC of india

i request you to help me in getting the claim settled

expecting a positive reply

rgds

paurav mehta ( son)

[protected]

Hi,
I am Amit Kumar Jauhari a FPA In Aviva Life Insurance and i am applicable for the Scheme
"Aviva Dollar Dreams" but i forget my password and when i click on the forget password a mail comes in my id without any password so i am unable to redeemed my prizes from "Aviva Dollar Dreams"
please send me .. my password ...

Thanks a lot !


The email which show like this... without password...
- Hide quoted text -


On Wed, Jun 3, 2009 at 9:43 AM, Aviva Dollar Dreams <[protected]@solutions-intg.com> wrote:

Your Aviva Dollar Dreams Password is :

I was approached by an aviva agent and convinced to invest 20 thousand each year for a lockin period of 3 years. I made the payments in time for two years, however for the third year for some reasons the installment was not submitted and these guys never sent me an intimation that my account is in some "paid-up" mode. and in the last 7 months my account value of 40K is now sumthing like 17k!!! and every deduction they have made has been again without any intimation! this is absolute looting! please help

Hi Sir,

I am Haneesh Hillary, taken ULIPs in AVIVA - Life Saver Plus Policy No: LSP1813910

When I have taken the policy the advicer told me that the riders are free of cost. But the riders has the cost. Then I have requested to cancel the riders. for cancelling the riders I had submitted the Policy document on Dec 2008, still I didn't receieved the new Policy document.

Kindly do the needful

dear sir
here is rubina siddiue pathan frm surat state gujrat,
i have purchase the policies of aviva life insurance in 2005 sum in the name of my husband n my self aswel
after the purchase of aviva policies abn amro has given general insuranse of icici lombard as a gift.n told us that as we pay the premium all the year this insurence will be renewed automatically n it was suppose to be paid by abn amro bank
but unforutnatly my husband had n heart attack n was gone through angioplasty n was cost around
3 lack rupees, as we wer having 3 policies n insurence was we did not took any other insurance, n as we filed the paper to claim the insurance they said that it was just 2 months to take the policy, it cannot be claimed
but the 2ed years my husband again had some conjuction n had to go for 2ed angioplasty n it was done in baroda heart hospital in baroda,
n again it cost me aprox 3 lacks repees
but this time after a month recovering my husband health i files my claim in icici lombard
talking the status on the phone, a girl called AKANSHA RATHOD was in contact wit me asking for all the
necessary pappers n i submitted the papper personally at icici lombard office at mahalaxmi asking the status of my policy.
but after a week they had asked me the renewl of the insurance, n i email them for it at
icici lombard, n abn amro bank as wel.
this procces took almost 1 n half year
n 1 day they finally {icici lombard}send me the letter of policy is expired.
witout sending me any intimation of expiry or calling me neither icici nor abn amro bank.
for that we r in consumer court since 1 year neither icici nor aviva nor abn amro bank is taking responcibilty, i have conversation wit aviva by email, they replied me they r not aware of any thing like this.
now the final problem
after the up n downs in sensex we r getting the excart amount wic we have invested for 5 years
not even intrest.
so we decide to surrender all the policies, n we did it
policies on my were surrender n was send cheack to me, but they have hold my husband policies
n telling u have to wait till the decision cums from consumer forum as i told above they gave reply that they r not involved n dont know any thing abt this, how can they hold my surrender of the policies
now pl guied me wat should i do
i m going throug harresment, as wel as mental torture since 5 yrears.

thaking u
rubina pathan

I took a pension policy from Aviva on Jan, 2009. My mode of payment was through ECS. I realized that my installment used to first credited and then debited back after 7 days to my bank account. I informed the same to them and they said it was some technical glitch in the system and will fix it within 10 days. Nothing happened and the case stretched for long three months with no clue what was the issue. Then in frustration I slammed the sales manager who came to my place for this policy. He in return again asked for 24 hours and then I came to know that there was issue with my ECS mandate. Some how the mandate did not reach my bank. There after I received a call from one of their reps as a payment reminder for my brother's policy. Then I inquired is it possible to make my payments using cheque till the time I work out the ESC thing with my bank and she said YES. She also informed me of their free service wherein their rep will come and collect the cheque from my place. I was kinda obliged as it was going to save my time so I said yes for the service. She also told me that the best feature of this service was that I will be getting my payment receipt then and there. Which I did but its been almost a month and they haven't yet credited my units to my policy account. This policy is directly linked to the market and the market keeps fluctuating. Who knows what NAV will I be getting now. I have done almost everything I can from my side but they have been of no help. There is this 3 years locking period on this policy, meaning I cannot just end it or else I need to part with the amount that I have already paid. That means I'm left with no choice rather than just wait and keep taking their pathetic service. Its been a big pain in my a** from the day one. Now its been really too much and I want to teach some lesson so that they start taking things seriously and some poor customer doesn't have to go through all the hardships that I have been going. Is there any ground that I can sue this company. Please help!

On Fri, 20/2/09, vidya sagar <[protected]@yahoo.com> wrote:

From: vidya sagar <[protected]@yahoo.com>
Subject: Re: Fw: Acceptance of FNF Settlement - 15849
To: tr.[protected]@avivaindia.com, varsha.[protected]@avivaindia.com, rajni.[protected]@avivaindia.com, chaudhary.[protected]@avivaindia.com
Cc: pravin.[protected]@avivaindia.com, mohammad.[protected]@avivaindia.com, rahul.[protected]@avivaindia.com
Date: Friday, 20 February, 2009, 11:44 AM

Respected Mr T R Ramachandran sir, ''Words Must Be Followed By Action'


'And, if they do not act, then, it cannot be expected that there will be business as uusual. There will be some sort of situation which i do not want...'

'I Will Strain Every Nerve'


'Given the nature of the threat, i cannot go back to "business as usual". In the nnext few days, it will be my endeavour to take certain hard decisions for not rreplying to my repeated requests of E-mails for settlement of my full & final ssettlement.






I I Accept the Full & Final Amount mentioned in the settlement sheet - FNF Settlement - 15849 after i got clarified from Hr- Hyderabad aviva office.



My HDFC A/C NO : [protected] remains the same and please help in getting credited into my a/c.



And also request you to send relieving papers to the same old Address mentioned in your records (i.e).

H.No.17-1-210/3/4,
Hanuman Temple Lane,

Old Santosh Nagar Colony,

Hyderabad – 500 059 (Andhra pradesh)

· KINDLY REVERT ME BACK WITH CONFIRMATION MAIL AFTER RECEIVING ASAP :





THANKS & REGARDS,



G.VIDYASAGAR

emp. id. no : 15849

CELL :[protected]















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--- On Fri, 13/2/09, vidya sagar <[protected]@yahoo.com> wrote:

From: vidya sagar <[protected]@yahoo.com>
Subject: Fw: Acceptance of FNF Settlement - 15849
To: tr.[protected]@avivaindia.com, varsha.[protected]@avivaindia.com, rajni.[protected]@avivaindia.com, chaudhary.[protected]@avivaindia.com
Cc: pravin.[protected]@avivaindia.com, mohammad.[protected]@avivaindia.com, rahul.[protected]@avivaindia.com
Date: Friday, 13 February, 2009, 11:12 AM

PLEASE RESPOND TO MY E-MAIL BY SAYING YES OR NO ??????
--- On Wed, 11/2/09, vidya sagar <[protected]@yahoo.com> wrote:

From: vidya sagar <[protected]@yahoo.com>
Subject: Fw: Acceptance of FNF Settlement - 15849
To: tr.[protected]@avivaindia.com, varsha.[protected]@avivaindia.com, rajni.[protected]@avivaindia.com, chaudhary.[protected]@avivaindia.com
Cc: pravin.[protected]@avivaindia.com, mohammad.[protected]@avivaindia.com, rahul.[protected]@avivaindia.com
Date: Wednesday, 11 February, 2009, 2:12 PM



--- On Tue, 10/2/09, vidya sagar <[protected]@yahoo.com> wrote:

From: vidya sagar <[protected]@yahoo.com>
Subject: Fw: Acceptance of FNF Settlement - 15849
To: tr.[protected]@avivaindia.com, varsha.[protected]@avivaindia.com, rajni.[protected]@avivaindia.com, chaudhary.[protected]@avivaindia.com
Cc: pravin.[protected]@avivaindia.com, mohammad.[protected]@avivaindia.com, rahul.[protected]@avivaindia.com
Date: Tuesday, 10 February, 2009, 2:38 PM

PLEASE RESPOND TO MY E-MAIL BY SAYING YES OR NO ??????WHAT A SLEEPING INSURANCE COMPANY IS THIS ??????ARE YOU DEAD OR PRETENDING TO BE DEAD ????????


--- On Tue, 10/2/09, vidya sagar <[protected]@yahoo.com> wrote:

From: vidya sagar <[protected]@yahoo.com>
Subject: Fw: Acceptance of FNF Settlement - 15849
To: tr.[protected]@avivaindia.com, varsha.[protected]@avivaindia.com, rajni.[protected]@avivaindia.com
Cc: pravin.[protected]@avivaindia.com, mohammad.[protected]@avivaindia.com, rahul.[protected]@avivaindia.com
Date: Tuesday, 10 February, 2009, 1:18 PM



--- On Wed, 4/2/09, vidya sagar <[protected]@yahoo.com> wrote:

From: vidya sagar <[protected]@yahoo.com>
Subject: Fw: Acceptance of FNF Settlement - 15849
To: tr.[protected]@avivaindia.com, varsha.[protected]@avivaindia.com
Cc: pravin.[protected]@avivaindia.com, mohammad.[protected]@avivaindia.com, rahul.[protected]@avivaindia.com
Date: Wednesday, 4 February, 2009, 12:19 PM

PLEASE REPLY TO MY E-MAIL :

--- On Wed, 28/1/09, vidya sagar <[protected]@yahoo.com> wrote:

From: vidya sagar <[protected]@yahoo.com>
Subject: Fw: Acceptance of FNF Settlement - 15849
To: tr.[protected]@avivaindia.com, varsha.[protected]@avivaindia.com, rajni.[protected]@avivaindia.com, chaudhary.[protected]@avivaindia.com
Cc: pravin.[protected]@avivaindia.com, mohammad.[protected]@avivaindia.com, rahul.[protected]@avivaindia.com
Date: Wednesday, 28 January, 2009, 11:11 AM






Dear Sir/Madam,



I Accept the Full & Final Amount mentioned in the settlement sheet - FNF Settlement - 15849 after i got clarified from Hr- Hyderabad aviva office.



My HDFC A/C NO : [protected] remains the same and please help in getting credited into my a/c.



And also request you to send relieving papers to the same old Address mentioned in your records (i.e).

H.No.17-1-210/3/4,
Hanuman Temple Lane,

Old Santosh Nagar Colony,

Hyderabad – 500 059 (Andhra pradesh)

· KINDLY REVERT ME BACK WITH CONFIRMATION MAIL AFTER RECEIVING ASAP :





THANKS & REGARDS,



G.VIDYASAGAR

emp. id. no : 15849

CELL :[protected]






--- On Tue, 13/1/09, varsha.[protected]@avivaindia.com <varsha.[protected]@avivaindia.com> wrote:


From: varsha.[protected]@avivaindia.com <varsha.[protected]@avivaindia.com>
Subject: FNF Settlement - 15849
To: [protected]@yahoo.com
Cc: chaudhary.[protected]@avivaindia.com
Date: Tuesday, 13 January, 2009, 10:25 AM


Dear Vidyasagar,

Please find your full and final settlement attached below. You are
requested to go through the same and do the following -

1) You need to send us your acceptance to the “net payable amount”
mentioned in the settlement sheet, through mail to Varsha Kathuria /
Chaudhary Waseem at (varsha.[protected]@avivaindia.com /
chaudhary.[protected]@avivaindia.com). In reply mail please mention that “I
Accept the Full & Final Amount mentioned in the settlement sheet”.

2) “Net Payable Amount” does not include pending business reimbursement
i.e. Mobile, Local conveyance, Travel exp etc. Pending business
reimbursement, if any, will be adjusted in “Net Payable Amount” and
will
be transferred directly to respective Salaried bank accounts. If your
salaried bank account is closed, please communicate the same to us so
that a DD/cheque can be sent at your residence address.

3) Acceptance received during 1st to 15th will be processed in the first
Cycle, amount of which will get credited on 25th of the same month.
Acceptance received during 16th to 30th will get processed in the second
Cycle, and the amount will get credited on 10th of the subsequent month.

4) Please ensure to mention your communication address in your
acceptance mail.

5) Relieving documents will be couriered to the address provided by you
on the same day when funds get transferred.

For any clarifications on business expenses please contact Rajni Bhatia
at rajni.[protected]@avivaindia.com

Soliciting your response on the same.

With best regards,
Varsha Kathuria
Assistant Manager - HR Operations
Aviva Life Insurance Company India Ltd.
Aviva Towers, Sector 43, Opposite DLF Golf Course, Gurgaon - 122 003
Tel#[protected]; Fax#[protected]

Even after submitting written intimation that not to deduct my premium of Rs. 12500/- through ECS facility (well before time and also after several email and phone calls on customer care no.) since I have completed my three years lock in period, Aviva life insurance has deducted the premium of Rs. 12500/-. Now they are not answering me properly. Also I have written several e mails but they have not even acknowleged the emails forget about answering them. This is Aviva Life Insurance. I regret that I was a customer of Aviva, very unfortunate. Aviva peoples are cheaters. Dear folks please do not become the customers of Aviva.

I took the policy LLG.1187424 from AVIVA LIFE INSURANCE through their agent Rohit jain LUDHIANA. At the time he told me the policy has three years lockin period and i have to deposit RS-10000/ p/a for minimum period of three years, and after three years if i wish i can get the full payment of my UNITS @ of current N.A.V of the units,
But now after giving the installments of RS- 10000/ p/a for three years the company is now settling my a/c by giving the payment of RS 6600/-after deducting 70% of my units. which is very unfair since i have invested my hard earned money to get some good profits and growth.
TOTAL AMOUNT INVESTED IN THREE YEARS--30, 000/-
TOTAL AMOUNT OF 100% UNITS --23, 000/-(APPROX. AS PER CURRENT N.A.V)
PAYMENT BEING MADE BY THE COMPANY -- 6, 600/-
SHORT PAYMENT --16, 400/-(APPROX)

THIS SITUATION HAS BEEN CREATED ONLY DUE TO THE IMPROPER INFORMATION GIVEN BY THE AGENT ROHIT JAIN AND I HEREBY REQUEST YOU TO FORWARD MY COMPLAINT TO THE TOP MANAGEMENT OF THE COMPANY AND FURTHER I REQUEST YOU TO PURSUE MY COMPLAINT. SINCE THIS LOSE IS VERY BIG FOR ME.

Hi all

i took a life saver policy in third week of april.The agent told me all the wrong details about the plan.After going through welcome kit i found that all these details are wrong.After that of repeated request for cancellation they are not cancelling it.I MUST SAY THEY ARE A BIG CHEATERS AND THIRD GRADE SERVICE PROVIDER.

I was falsely committed by company representative & without my proper knowledge & my policy has been started now I am feeling cheated of my hard earned money.
I have requested them to suspend my policy, return all my investments with interest, and settling all my claims & oblige.
but since more than a month has passed they say that they are conducting an invsetigation they need 10 days but after that more than 20 days have passed nothing happened now please tell me weather i will get my money back or not?

I have very clearly mentioned them that since the on set of my policy "that till now I was not concerned as thinking i have to have one or other life insaurance policy why not this one, but now as the person who has commited huge returns is suddenly vanished form the AVIVA company office (i.e, from office of ;-AVIVA LIFE INSURANCE civil lines, nagpur) & the current price of MY policy is of 15644/- of about 25200/- of my hard earned money(i, e.loss of nearly 9000/- ruprees or fraud of 25200/-?), so kindly tell me what should i Do now, I m cheated & falsely commited."
Today if its a loss of 9 thousand rupees, IF I CONTINUE with the policy then after ten years it will be 90 thousand loss of my hard earned money & also there is no assurance that your parent company will not vanish away like their representative.I have instructed the bank to stop further ecs clearance from my bank account, I dont want to make any further payments to AVIVA till the matter is resolved.

As per their request I have waited more then 30 days, if the matter is not resolved now then I will have to get court restrain orders for stopping the payments.

I ve left with no choice but to launch a police complaint for forgery, fraud & 420

And approaching consumer forum to settel all settelments including all my payments made to AVIVA along with compensation for mental harrasment, fraud & 420,

Kindly help to get me back my hard earned money back
thanking You
With regards
neha datta([protected])
nagpur

POLICY HOLDER’S NAME:- NEHA DATTA
POLICY’S NAME:- LIFE BOND 5 POLICY
POLICY’S NO:- LBD1885856
ADDRESS:- 32 A SIDDHARTHA SOCIETY 8TH MILE
DEOLAMETI, NAGPUR 440023
(LAND MARK JOY CONVENT SCHOOL)

Note:-I have submitted a complaint with all relevent detials to local office(farooq poocha, nagpur office)on 24/02/09, send the copy of same with a letter to the head office by email, fax & courier to following persons

shipra sood/Firoz Hussain/Sumit Kohli
Complaints Redressal Group/Customer Services Group,
Aviva Life Insurance Company India Ltd.
Aviva Tower, Sector Road, Opposite Golf Course
DLF Phase - V, Sector - 43, Gurgaon - 122001

I have premium of Rs54000 annually in AVIVA Policy.
Initially they told me that my policy can be paid up after two years.
So I did not pay for third year. Now in fourth year they are saying,
I have to continue or else they will surrender my policy by deducting 75%
When I told them to explain, how they arrived at 75%, they had no exlanation.
Aviva is a BIG LIAR. Their customer care is pathetic with no one responding.
When they respond they are rude. A BIG FRAUD COMPANY. PLEASE DONOT INVEST IN AVIVA

Hi,
As per loan application's revert of barclay bank my name is in cibil's defaulter list. but i don't know how my name came in defaulter list.

please check my record and give me revert for the same.

thanks

Shashank Shekhar Saxena
S/o Shri Ram Krishna Saxena
DOB[protected]

Dear Sir,

I am an Agent of Aviva life insurance and have been following up with them continuosly for my commission and stipend which has not been paid since August 2008

I have been continuosly following up with the Branch Manager, Mr Durga Prasad from Mahalxmi Office, Mumbai but false promises has been made from time to time .

also, I have been promised that after i have completed a training...

4 SMS on my mobile number [protected] from the AVIVA company in early morning ODD HOURS at 03:42:31AM hrs. on 07/Mar/20009

sender: TM-AVIVA

4 SMS on my mobile number [protected] from the AVIVA company in early morning ODD HOURS at 03:42:31AM hrs. on 07/Mar/20009

sender: " TM-AVIVA " Message Center [protected] CONTAINING THE DETAILS GIVEN BY

1of2>Aviva Lifeshield plus gives comprehensive protection at a nominal cost .
To know you premiumfor 50lalh cover & 20 years ploicy term SMS ' LSP' followed
2of2> by your age to [protected]

I WANT TO LODGE A SERIOUS COMPLAINT AGAINST THEM FOR SENDING UNWANTED AND ODD HOURS SMSes ON MY MOBILE

NUMBER [protected].

I GOT DISTURBED ON HEARING THE SMS TONE AT ODD HOURS.
PLEASE LODGE THIS COMPLAINT AGAINEST THIS COMPANY BY SENDING UNWANTED SMS.

As I mentioned in my earlier comments also, AVIVA IS A BIG CHEAT n FRAUD COMPANY.I have analysed the unit statment recieved from them.
I have taken Aviva life long policy from Jan 2006 with 10k regular premium.I come to know charges AVIVA deducting from my account are :
5 % per annum of Inital Unit value(Units purcharsed from my first two premiums * NAV)
1 % per annum of total fund value (Total units * NAV)
Rs 64 per month infalated with 5 % pa as Policy administration charges
Mortality & Accidental rider charges
After paying three premium I come to know that If I surrender policy now.I will get only Rs 8542 on basis of following calculation.
% of surrender charge is 73.21% ( derived from the formula 1-1/(1.05)^n, n = 27 ). which is applicable on first 2 years of initial units.
Value of Initial units as on date = Rs.17, 094/-. Hence surrender charge = 17, 094 X 73.21% = Rs. 12, 514.50/-
Therefore surrender value would be [ (17, 094 - 12, 514) + 3, 962( value of accumulation units ) ] = Rs. 8, 542/- as on 09.02.2009 which would vary basis the daily fluctuation in NAV.
Here Inital units are the units purchashed from first two premium & Accumulation units are the units purchashed from 3rd premium onwards.
The big calculation CHEAT aviva do is that it deduct all above mentioned charges by selling accumulated units(not intial units) so that it can charge 5 % per annum on inital units & in case person decides to surrender policy Aviva can deduct maximum charges based on intial unit value.

My suggestion would be to surrender this policy as early as possible because surrender charges will be applicable only on intial unit values.In any case, policy holder will not be getting any value out of inital units as Aviva will be charging 5 % per annum on it & practiacally after 20 years would have paid up entire amount as managment charge & would be continue paying intial managment charges from accumulated units.
I think all Aviva Life long Policy holder should file a case against AVIVA for cheat calculation to gallop hard earned money of innocent people.
Anyone want to look in to unit statment that I got from AVIVA can mail me on [protected]@gmail.com.

Dear Sir,

I have an Aviva Unit Link Policy and my premium was due on Jan 14 and 17 respectively. I was thinking of paying the premium as I received the premium notification for the same. But surprisingly came to know that without my knowledge they used my Credit card for the premium payment. I came to know this when I received an alert message from the credit card. I use the credit card when I took this policy last year and without my knowledge they have stored my credit card information and also they didn't informed me before they do this transaction. The transaction amount was Rs. 24, 000.00 (i.e. Rs. 12, 000.00 on 15th January ’09 and Rs.12, 000.00 on 17th January’09) towards the AVIVA premium, and this was happened without bringing into my notice. As per the Law no organization are allowed to store the customer credit card information and it is an offence, . So, I would request you to guide me how to proceed with them to get my full money back including my initial premium amount. Please suggest me regarding this.

If you need any further clarification on the same please do let me know on the same.

Regards,
Sathya
+91-[protected]

We have submitted all documents that were verified in Pune after my mothers death related to her Aviva Life Insurance Policy. The company had said they will settle the amount in 7 working days. We had handed the documents on 27th Dec'08. We have been calling repetitively in Pune and Delhi. Now they have a new thing come up that since my mothers policy (Mrs. NIshi Sethi)had an indexation update and the amounts were taken past 3 years for the same their system has not got the update to the same. Due to this there is a departmental blame game going on.
Please advice how do we get this act in place.
I am reacheable at [protected].
Shakun

Dear Sir,

I have a ‘Save Guard’ Unit Linked Life Insurance Policy with Aviva India. My policy number is RSG 2028873. This Policy is on with effect from March 2007. Since then, I am having constant problems with the services of Aviva India. Firstly, it was non receipt of Policy document. Then, abrupt closure of my ECS mandate from State Bank of India. I chose ABN Amro Bank as my next bank from where my monthly premium of Rs. 2000 would be auto-debited. The customer care executive at that time informed me that my auto debit will start from the ABN Amro Bank. It never started and ABN Amro Bank deducted Rs. 400 from my savings account on the charge of ‘NON RECEIPT OF ECS MANDATE’. When I called ABN Amro bank, I was told that ABN Amro has no linkages with Aviva and Aviva should not take any request of auto-debit from the bank first hand. I sulked but never complained. My bitterness towards Aviva started growing.

This time the matter is very very serious. In the first week of October 2008, I again requested to change my ECS debit to my Citi Bank Savings Account. The customer care executive sitting at the NOIDA branch told me about the process which I was very much familiar with. She told me to write a cheque of Rs. 4000 (Advance premium for the month of October and November 2008). I was told that the process of change in ECS mandate takes about 45 days and my first auto-debit from Citi bank will be on 30th of December. In second week of October 2008, Rs. 4000 was debited from my Citi Bank savings account on account of the cheque which I issued to Aviva India for premium of the months of OCTOBER and NOVEMBER 2008. I had around 7, 000 Rupees in my Citibank Savings account after that. Considering that, I wrote a cheque of Rs. 6, 000 in favour of ABN Amro Bank credit card to be payable on 1st November 2008. I dropped the cheque on 27th October 2008. But before that, on 30th October 2008, Rs. 2000 was auto debited from my Citi bank account by Aviva India on account my premium of Rs. 2000 (I DOONT KNOW FOR WHICH MONTH). As a result my balance in the Citi Bank savings account fell to around 5, 000. The cheque which was to be honoured on 1st November 2008 got bounced. I could not pay the credit card bill on time. The credit card company fined me around 1500 Rs. for non payment of the bill. The Citi bank also deducted around Rs. 200 on account of cheque return charges.

As a result of the gross negligence of Aviva India, I suffered a loss of around Rs. 2000 beside the mental trauma of the bounced cheque. This is the formal complaint to the concerned authority. Please revert my 4000 rs. back to me. Also, I want the monetary compensation of the loss I suffered to the credit card company, if not the mental trauma. A mere sorry from Aviva India will not do.


Further, I received two cheques of ABN Amro bank from Aviva India of Rs. 2000 each (cheque nos. 26217 and 26218) as return payment. On 11th December the cheques was rejected by the ABN AMRO bank with the reason cited as: NO ADVICE.

Thanking you,

Yours sincerely,






Dr. Ritesh Singh
RSG 2028873
B-215, Sector 26, NOIDA

Hi Sir
I am Charanjit Singh have been working in the team of Sales Manger Mr. Amit Suri in jalandhar branch/Punjab, under the agent code YO723341 since March 2007 would like inform you that i have deceived by my SM as i have given many cases to him to logged under my code but all the cases are not logged by him in my code, some of my cases are logged under some other agent code, i have already discussed regarding my issue with him, even i have talked to Branch Manager- Jalandhar Branch, but no body is giving me response.

This incident has not only made me lose finacilaly but the honour of faith
and belief on my SM is broken. I had joined the organisation with much
passion and an urge to earn and grow in this respected brand, I am ready to
work hard for the organisation but this incident has really made me fell
bad and i will request you kindly give me a solution so as i can recieve
back my hard worked Money for cases i have given but not logged under my agent code..