[Resolved]  Aviva Life Insurance — Fraud Going On

Address:

Gurgaon, Haryana

Dear Existing Customers of Aviva and Potential Customers,

Please be aware that your data is not secured in Aviva. I am a customer of Aviva for the last 5 years having two ULIP based policies which I have purchased in Hyderabad and Bangalore through my Banks. In Feb 2011, I started receiving calls from one Mr. Deepak Kumar of Aviva Gurgaon Corporate Head Office stating that my two policies are not doing good and due to recent changes in IRDA rules, Aviva has appointed me to work with existing customers and help them restructure their policies so that they can recover their losses caused to them. He had all my details and sounded so confident that I called him to my home. He came along with me the complete details of my existing policies and mentioned the losses I have suffered. He then offered me Aviva Dhan Vridhi plan stating that if I invest Rs 40000/- (equivalent to the premium paid by me for my existing policies) for 10 years, I would receivearound 30 Lakh by the end of 15th year. he told that I do not have to pay premium for my existing policies. He showed me the computation. When I asked how can 4 lakh become 30 lakh, he said that this is a special program launched only for the existing policy holders who have suffered losses and Aviva is doing this to meet their regulatory requirements. He sounded so genuine and confident that I not only purchased the policy, I told him about my other policy details I had with Birla Sun Life and Max new York Life.

When I received my poplicy (Policy No: TDW3078104), I was suspicous as I did not see any specifics to what was discussed. I called him again and he again came to my home and reassured that this has been taken care in their systems. I was convinced and did not do any thing for the 14 days grace peiod where in I can return the policy. After almost 2 months or so, I was very proudly discussing Aviva's gesture to my Birla Sun Life agent and then he pointed out that this was not the case. I called up the Call centre and they also cnfirmed that there is no such scheme going on and my policy would be returning me Rs around 5.8 Lakh. I immediately went to their office, made an official complaint on 9th May 2011. they reverted back to me on 19th May stating that since I have signed on all the documents, they do not see any thing wrong and hence no action would be taken. I was out of the country till 31st May. I again went to their office and met Mr. Shekhar Bharthi (Mr. Deepak's Boss) and Mr. Harpreet Marwah (Head - Direct Sales Force North) on 18th July. So when I met Mr. Shekhar he mentioned to me about my policies which I have with Birla Sun Life. I was surprised and I asked him that how does he know about my policies. He did not give me any answer. Mr. Marwah was kind enough to listen to me patiently and on his advice I again gave a complaint to Aviva. They again rejected my compaint on 23rd Jul stating the same old reason without talking to me. Since then I am trying to reach out to Mr. Shekhar and Mr. Marwah.

While Mr. Marwah do respond to me at times stating that he is busy and will follow up, I am not confident that anything with happen, hence I have decided to create awareness amongst all people. I have few basic issues:

1. How is my demographics and financial data visible to anybody, is my data not protected at all?
2. Mr. Bharti's talk that I had policies with Birla Sun Life proves that he was very much aware of what Mr. Deepak was selling to me and how he was selling to me. There is a complete rot in Aviva and they are only interested in booking policies so that they can meet their targets.
3. I understand that there is a grace peiod of 14 days, but what if the customer has not seen or do not respond within 14 days. Shouldn't there complaint division understand the nature of the problem or thay are as insane as there Sales team is....

Guys sorry for such a long mail, but I think it is important to bring all facts in front of all of you guys.

Please be aware of AVIVA going forward.

Regards,
Manish
+91 [protected]
[protected]@yahoo.com