[Resolved]  HDFC Bank Standard Life Insurance — Very very very Bad online and customer care service

Address:

Pune, Maharashtra

I have HDFC standard life insurance policy No: 11792722 with My Wife name.

I am handing her policy online with having properly activated online account. But since last month frequently i am facing problem while found switch.
When i really need to carryout fund switch online on same day it is showing me massage that your fund last fund switch is progress. When my policy particular fund is growing up and i am planning to carry out fund switch to progress my fund value it is always showing problem that you fund switch is progress. When i called to customer care executive they smart people telling me procedure of two days after you can able to carryout fund switch.
My question to HDFC is:

1. Why frequently your online service is down?

2.Why customer not able to carryout fund switch when market performing well on that day?

3.Who will bear loss i am not able to carryout fund switch?

4. Why should frequently i bear loss for your system problem?