[Resolved]  Tata-Aig — Cheating by tele executives in making policies

Dear Sir,

I introduce my self as C Kannan,

I had seen Tata- AIG advertisement ( Maha Raksha policy)in Yahoo web site and sent an mail to TATA - AIG, in the last week of June. Based on that mail I have received lot of tele calls from tata Tele call executives from the following nos[protected], 67204127, 67204134, 67204132, 67204135, 67204125 continuously during the period of Last week of June 08 and July Ist week. They were all explaining the details of policy and other features. Finally on 4th July I decided to take a policy i.e. Health care policy for my family, for which the premium amount per annum is Rs 13108/-. For this policy I opted my payment thro my credit card, Citibank, visa card. For that too I was promised by your executives that, this premium would be split into EMIs for nine months and my monthly charges would be around Rs 1460/-.Then as usual your regular formalities like verification officer called, again he also detailed all about policy, then I gave my credit card no and only the expiry date. Even I have not given no cvv no of the card. Then I was given an authorization No for my transaction. so the first policy was over which one I originally opted.

The same day some time later I received a call from one of your another executive hope if I remember the name exactly he introduced himself as Mr Amit srivatsava, and he claimed himself as one of the senior personnel in Tata- Aig. He said There was a lucky draw in Tata AIG, that who ever takes policy worth of Rs 25000/- will be eligible, and the prizes were a Lap top, fridge, washing machine and a sony music system. Either I could opt for the prize item or I could claim it as money reimbursement. For that I have to take one more policy worth of Rs 12000/-, Which is a dummy policy, for that money will not not be debited in my account and only to their higher officials he wanted to show some value to include my self in that lucky draw. And also he added there were only two of them right now fro the lucky draw and I would be the third one I would definitely get any one of the prize. I didnt promise him any thing.

But immeaditely I received a call from another executive named Mr Saxena, he also claimed that he is one of the senior personnel, and he repeated whatever Mr Amit told, Finally he could able to convince me for the dummy policy without any debit in account. Then he told that soon I would receive a call from their verification officers, and initially I should speak with them that I didn't need that policy as Just now I bought one policy, and it would be financial burden to me is that and all, Then finally I should accept that policy ( which one is dummy). They would give me a authorization number which he( Mr. Saxena) needed for the lucky draw. But in any time I should not talk with verification officers that what he promised for the lucky prize. ( I was promised for the lucky prize of Laptop worth of Rs 28000)and all. Same way as I mentioned earlier all the formalities by verification officers called and I spoke with them as directed by Mr. Saxena. This time the verification officers insisted me for my credit card cvv no, but I didnt give them. Then even though they gave me a authorization number. I was waiting for a call from Mr. Saxena to give my authorization number till that evening but he didn't call me.

When I had left my office and reached home by around 6 ..30 pm in that evening ( 4 th July ) again I received a call from Mr. Saxena stating that he wanted that authorization number. I told him that it was in my office and I had not brought along with me. He said before that evening he needed that number to put me in lucky draw and his boss was following him. I conveyed him only by next day morning I could able to give him the number. Again he suggested to take one more dummy policy for that authorization number for which again promised the all old stories and convinced me to talk with verification officers. Again I received a call from verification officers for the second dummy policy. Finally they gave another authorization number for the second dummy policy.

In this condition I had one original policy and two dummy policy in my name but I was promised for no debit in my account by Mr. Saxena. But Mr.. Saxena didn't call me again for that those dummy authorization numbers till date. From the next day it self (5th July) I was trying for that telephone nos which I mentioned in the starting of my mail. But no body was picking up the phone. Again I am repeating till date I have not received any call from that gentle man Mr. Saxena. On top of it 7th July morning I received a SMS message from my credit card bank that my credit limit has crossed more than 80% of my limit, I shocked to note that and I immediately called my bank. I was told that I had been debited for an amount of Rs 13108, Rs 12, 208 & Rs 12 893 all in one shot. The total amount of Rs 38209/-.

The reputed company like TATA-AIG has not kept any of their promises.There were two dummy policies which have been debited in my account, and the one which I had been promised for EMIs, that also debited in one shot. You please try to under stand as a salaried man how we can pay this much big amount that too in one shot.

As I couldn't able to contact Mr. Saxena after that, I called the toll free no and reported about this fraud. I spoke to one Ms Samidha on 7th July by around 16.45 pm She had given me the complaint registration no[protected]. But she told without proper policy no she couldn't able to register any complaint.

Again on next day on 8th July I found one no from web site i.e.[protected], and I spoke to one Ms Kedhari, in detail about how I was cheated by your people. She gave me one more no[protected] to report about issue. But even before I called to that no I had one call from[protected] by around 3.40 pm. She was very kind enough and in asking me the issue in detail.. She was asking me for the policy no. Since I had not received the policies yet I couldn't able to give her the policy no what she demanded..

When I back to home I received the policy copies then I called her( Ms Hiral ) again on 9th July morning. and gave her the policy nos which I wanted to cancel. She said she would forward it to your cancellation dept and they will call me again. But till since morning I spoke to her again, or till I am trying to send this mail with all detail I have not received any call from the cancellation dept.


My recent new policy details.

Health care ITHC[protected] Rs 13, 108/-

To be cancelled policies(Dummy policies)

Criticare ITCC[protected] Rs 12, 893/-
Maharaksha ITMR[protected] Rs 12, 208/-

I am worried you have mentioned there will be 25% cancellation charges if we cancel within a month. The 25 % will cost me Rs 6275 /- for the two dummy policies for which The TATA -AIG is responsible.

I would like to add some more thing I am one of the ex employee of the Tata group. I am having good reputation with TATA group.

I am already having a policy with TATA -AIG My policy no is C[protected] and I am paying the annual premium of Rs 13 995/- .


Can you please help me to reverse the money back.

Thanks

C Kannan
+91 [protected]