[Resolved]  Bajaj Allianz / Life Insurance Policy — Fraud done by IC (Agent) of Bajaj Allianz

I have taken a life insurance policy from Bajaj Allianze two years back (Policy No. [protected]) from their IC(Agent) Mr. Santosh Chaudhary (IC code No. [protected]). The first premium was deposited by me at the time of taking policy (Rs. 20,000) in the year 2006. At the time of second premium i was posted in Joshimath (Badrinath) which is around 400 Kms. away from Dehradun, as a result it was impossible for me to deposit the premium myself. As third party cheque is not accepted by the company my wife has paid the premium to Santosh Chaudhary (agent) Rs. 20,000/- in cash. After some days he has given us the receipt of the premium but it was not mentioned that the premium is deposited by cash or cheque. They told us to deposit the premium again or they will lapse our policy.
After one month we got the letter from Bajaj Allianz that our Premium cheque has been bounced, then my wife and son and informed that we have given the premium in cash not by cheque and also sended the same information to the head office in pune by mail and informed them about all this on phone also. After some days when i back to Dehradun on leave I visited the Bajaj Allianz office and given the complaint against their Agent, and they showed me the cheque which has been bounced, it was the cheque of Santosh Chaudhary account and my signature on it, I told them that i don't have any account in that bank.
We tried to contact Santosh Chaudhary but he was missing. We requested the Branch Head and higher authorities of Bajaj Allianz to take some action against their Agent, but they have not taken any action against him and also forced us not to take any action against the company or Santosh Chaudhary. After 3-4 month we finded Santosh Chaudhary, but between that period company have not helped us, then we took him to the local office where Santosh Chaudhary had given in written that he has taken our money and deposited the cheque of his account and will pay back our Rs. 20,000/- very soon. At that very movement his wife has given us the cheque of Rs. 20,000/- of her own account (cheque no. 018124 Dated 16-08-07 o[censored]TI Bank). But when we have deposited the cheque in our account, cheque got bounced and bank told us that the payment on cheque was stopped by the account holder. Then we have sended the notice through our advocate to them, but it was returned back to us with the information that they have left the house.
We have sended several mail to the company higher authorities but they have not replied to any of them. After that in accordance to the law right of information (paid the fee for it in form of postal order) we have asked some information about santosh Chaudhary but they have not even replied to that letter.
One year has been passed but company has not taken any action against Santosh Chaudhary. It seems that the company is helping Santosh Chaudhary in his frauds.
We request you to take action against the company (Bajaj Allianz) and it Agent.