[Resolved]  Reliance Life Insurance — Complaint regarding misbehavior and forgery at reliance life insurance branch

Address:

East Delhi, Delhi

Hello Sir,

I want you to have a look at how forgery goes on at reliance life insurance branches. I did book a policy for 5 years term from Lajpat Nagar, Delhi Branch. When I received the policy documents I found that the term and conditions were changed from what I was told at the time of booking. Even they forged my duplicate signature at the application form which is clearly a crime.

When I reached at the branch they misbehaved with me and now they are not ready to cancel and refund the policy.

This is totally unacceptable. I request you to please look into this issue.

I can provide you more information if you need. You can contact me at my mobile : [protected]

Thanks and Regards,
Aditya Kashyap

Below is the mail trail that I sent to reliance:-

From: Aditya Kashyap <[protected]@gmail.com>
Date: Fri, Apr 22, 2011 at 2:37 PM
Subject: Please have a look - Complain regarding misbehave and forgery at your reliance life insurance branch
To: rlife.[protected]@relianceada.com, rlife.[protected]@relianceada.com
Cc: RLIFE.[protected]@relianceada.com


Hello Sir,

My name is Aditya Kashyap. I am a resident of Delhi and currently working in HCL Noida. I want to register a complaint regarding misbehave and forgery at your Reliance Life Insurance, Lajpat Nagar, Delhi branch.

I had booked a ULIP policy on 11th Jan 2011 from Reliance life insurance, Lajpat Nagar, Delhi branch. Upon receiving the documents on 26th Feb, I found that its policy term and conditions were different than what I opted for. Moreover they have forged my duplicate signature on policy documents.

When I asked them to cancel this policy, they misbehaved with me and clearly denied to do so. Below is the mail trail that I dropped to their customer care. Looks like they are also not interested to escalate this case and asking me to do another round of mail game.

I request you to please look into this otherwise I would log an FIR and follow a legal process. This thing is clearly unacceptable as forging signature is itself a crime.

Thanks and Regards,
Aditya Kashyap
[protected]

[protected] Forwarded message[protected]
From: <RLIFE.[protected]@relianceada.com>
Date: Fri, Mar 11, 2011 at 7:09 PM
Subject: Re: Complain regarding misbehave and forgery at your reliance life insurance branch
To: Aditya Kashyap <[protected]@gmail.com>



Dear Customer,

We refer to your e-mail dated 9th March 2011 regarding your policy.

We regret the inconvenience caused to you.

We request you to submit a letter duly authorised by your signature at the nearest Reliance Life Insurance branch office for further processing of your issue.

Further, you may also mail the letter at our registered office given below:
Reliance Life Insurance Co Ltd.,
H Block, 1st floor,
Dhirubhai Ambani Knowledge City,
Navi Mumbai, Maharashtra,
400710, India.

For list of branches, log on to our website www.reliancelife.com and click on ‘Branch Locator’.

Assuring you of our best services at all times.

Thank you,

Customer Service
Reliance Life Insurance Co Ltd.

Kindly update your below details in our records to help us serve you better.
(i) E-mail id. (ii) Contact No. (Residence / Office / Mobile), (iii) Mailing Address. You may mail us at ‘Rlife.[protected]@relianceada.com’ or contact us at 30338181 or[protected]Toll free number)/, our 24/7 Customer-care center, or login to our website www.reliancelife.com - Lifeline Member Login to get your details updated.

The information provided is based on prevailing terms and conditions of the company, which are subject to change without prior notice.

This electronic message transmission contains information from Reliance Life Insurance Co. Ltd. & is confidential or privileged. The information is intended to be for the use of the individual or entity named above. If you are not the intended recipient, beware that any disclosure, copy distribution or use of the contents of this information is prohibited. If you have received the electronic transmission in error please notify us immediately.



Aditya Kashyap <[protected]@gmail.com>

09/03/2011 11:14 PM

To
rlife.[protected]@relianceada.com
cc
adityazone <[protected]@gmail.com>
Subject
Complain regarding misbehave and forgery at your reliance life insurance branch






Hello,

My name is Aditya Kashyap. I am a resident of Delhi. I would like to bring to your notice regarding the false information, forgery and misbehave from your employees to me recently on 9th March 2011.

I have been issued a "Reliance Life Insurance Highest NAV Advantage Plan(Regular)" policy on 11th Jan 2011 from Lajpat Nagar, Delhi branch which was recently shifted from NehruPlace, Delhi. While taking the policy, I was informed by the employee Mujeeb Khan from that branch that this policy is for 5 years and after 5 years I can withdraw all my money getting the highest value o[censored]nit during these 5 years.

I received policy documents on 28th Feb but I found following mismatched from what I was told:-

1. Policy term is given as 15 years instead of 5 years.
2. After 5 years, I can withdraw only 20% of fund value at that time.
3. I would not get Highest NAV per unit on partial withdraw. Applicable at maturity only.
4. Advisor name is Faraz Khan instead of Mujeeb Khan.
5. Contact no. of Faraz Khan is incorrect (I had to visit branch to communicate).

and the biggest forgery is that "there are my forged/duplicate signature on benefit illustration form" which was not signed by me.This is totally illegal and not acceptable at all.

I decided to get this policy cancelled. As per policy document, I can get this policy canceled withing 15 days of receiving. When I reached at branch office on 9th March, first no one paid attention to me for 30 minutes. After sometime I was attended by an employee and I demanded cancellation of this policy. At this point of time your employee in your own branch office misbehaved with me and told me that this policy cannot be cancelled and the written 15 days period does not mean anything to them. According to him things are written on documents just like that and nobody follows it. When we asked for forged signature, he misbehaved with us in wrong tone, continuously denying the facts. We had the proof that the documents were sent on 26th Feb by speed post(less than 15 days) but that did not mean anything to him. Upon asking his name he clearly denied to tell his name and said he is not responsible for anything. It was quite surprising to me that employees of such a big company can behave in such manner. This thing really offended me.

I want you to look into this issue. The policy is totally wrong and I want to get it canceled, refunding my money back at earliest, otherwise I will have to take some legal action against it.

I have attached the scanned copies of:-

1. Speed post receipt (Proof of date of dispatch of policy documents)
2. Policy pages where I have signed originally (Page 1 to 4)
3. Benefit illustration form where you can clearly see my forged/duplicate sign (Page 6)

Hoping to hear something from you soon.

Regards,
Aditya

My Details:-

NAME: ADITYA KASHYAP
[protected]

CURRENT ADDRESS: F-264-A, PANDAV NAGAR, DELHI - 110091
PERMANENT ADDRESS: C/O SUDHIR HARDWARE HOUSE, KURSI ROAD, ALIGANJ, LUCKNOW - 226022

Policy Details:-

APPLICATION NO: C1666859
RECEIPT NO: 2702033B
CONTRACT/POLICY NO: 18391244
CLIENT ID NO: 78457790
ADVISOR CODE NO: 20258056
ADVISOR NAME: MR MOHD. FARAZ KHAN
PLAN NAME: RELIANCE LIFE INSURANCE HIGHEST NAV ADVANTAGE PLAN(REGULAR)

POLICY BOOKED ON:[protected]
DOCUMENTS RECEIVED ON:[protected]
VISITED BRANCH ON: 9-3-2011