[Resolved]  Exide Life Insurance — Cheat by insurance agents/broker, No action by Exide life.

Fraud by Brokers with False Promise. Inbox x Exide Life x Suresh Dogra Nov 4 to complaintscell Greeting ! A Insurance policy of Rs 15000 taken from hdfc life before four years ago. Due to some mistakes in bound, returned to bank for amendment. After some time on its follow-up, its told to me that few staff with person who has policy bond given for amendment are vanished for cheating. On asking from bank for policy bond, they said No information for the same. After some time I forget it. After four year I got a call from hdfc life person named Arjun for a new policy. I told him the previous incident happen with me. He ask for my date of birth to get the detail of policy and told me all the detail as per last policy. He said, I will mark mail to my senior and they will contact you. Then Mr Alok Verma call me and said you are connecting with D2C service and you have to guaranteed this policy with two premium and service tax. For this we will collect your document and amount cheque from local insurance agent advisor. You have to follow the procedure which told by me. He did this from hdfc life with Rs 31500 bond. After 2-3 day got another call from Alok Verma that your amount is more than 1 lakh, so you have to generate a banking code with Rs 43000. Same process of documentation will process with Future Generali Insurance. Now this process start with amounts of Rs 49000, Rs 56500, Rs 100000, Rs 100000 and policy bond after one by one delivered to me. When I saw same agent on all bonds, start enquiry with customer care and related branches and confirm that I have lost my hard-working earning. These persons still in my contact for Rs 56100 policy with reliance or hdfc life for last formality of KYC updation. I have all call recordings of these cheaters with numbers, date and time. Detail of Cheaters numbers are as: 1. Arjun Singh : Mobile Number:9821794345 Landlines Number:11409809492 2. Alok Verma: 7065993789, 9821793234, 9069785079 3. Vivek Rajwansh: 9210625137, 9069272161, 9250107960, 9213091780 4. Rohit Walia: 7210102359, 5. Vinod Shukla/Puja: 9555018731 Agent Advisor/ broker detail on bonds are as: 1. HDFC Life: Name: SB Insurance Broker Pvt Ltd Code: 00634272 Licence No: 230 2. HDFC Life: Name: Netambit Insurance Broking India Ltd Code: 00512120 Licence No: 403 3. Future Generali: Name: Ltd S.B Insurance Broker Ltd Agent Code: 80128503 4. Exide Life: Name: SB Insurance Brokers Pvt Ltd Code: 60285708 Policy Details are as: HDFC Life 1. Policy No 18406894 Cust Id 34103337 Premium Rs 31500/- 2. Policy No 18525658 Cust Id 39904936 Premium Rs 99999/- Future Generali 1. Policy No 01298796, Cust Id 59398632, Premium Rs 43000/- 2. Policy No 01306566, Cust Id 59398632, Premium Rs 56500/- 3. Policy No 01309297, Cust Id 59401854, Premium Rs 49000/- Exide Life 1. Policy No 03360729, Premium Rs 99999/- Kindly request to track these cheaters and punish for the same, so that we can save another one from these cheaters because neither me first person nor last for these cheaters. I have a 40000/- earning in a month. I have two children and their schooling. I have already a home loan, auto loan and credit card loan of hdfc bank. So it is not possible to me to run these policy in any condition. So it is humbly request to all insurances company ( HDFC Life, Future Generali and Exide Life) to cancel my all above mention policy. I shall be thankful to all company for the same. With Regards, Suresh Kumar [email protected] Nov 7 to me Dear Mr. Suresh Kumar Greetings from Exide Life Insurance! With reference to your below mail, we would like to clarify that as a matter of company policy, we are unable to respond to customers whose email id is not registered against the policy. Please note in order to maintain the security of your policy information, we request you to email us the following details: • Correspondence Address • Date of Birth • Contact details Please get in touch with us for any further assistance. We hope to serve you again. Yours sincerely, Nandini Complaint Management & Redressal Cell Exide Life Insurance Company Limited From: Suresh Dogra [mailto:[email protected]] Sent: Friday, November 04, 2016 11:48 AM To: complaints cell Subject: Fraud by Brokers with False Promise. ATTENTION: The information in this email is confidential and may be legally privileged. It is intended solely for the intended recipient. Access to this email by anyone other than the intended recipient is unauthorized. In the event you have received this email by mistake you are requested to immediately inform Exide Life Insurance Company Limited of the same by forwarding this mail to [email protected] and thereafter you are required to delete it from your system permanently. If you are not the intended recipient, any disclosure, copying, distribution or any action taken or omitted to be taken in connection with it, is prohibited and unlawful. When addressed to our clients, any opinion or advice contained in this email is subject to the terms and conditions expressed in any applicable terms of business or client engagement letter issued by Exide Life Insurance Company Limited. Suresh Dogra Nov 7 to complaintscell Pls find below detail you required. Correspondence Address Flat No 149, Pocket 1, Sector A5, Near MCD School, Narela, Delhi-110040 Date of Birth 11-04-1979 Contact details 9891427315, 9643299315 Email Ids [email protected] [email protected] With Regards, Suresh Dogra On 7 Nov 2016 18:31, wrote: > > Dear Mr. Suresh Kumar > > > > Greetings from Exide Life Insurance! > > > > With reference to your below mail, we would like to clarify that as a matter of company policy, we are unable to respond to customers whose email id is not registered against the policy. > > > > Please note in order to maintain the security of your policy information, we request you to email us the following details: > > > > • Correspondence Address Flat No 149, Pocket 1, Sector A5, Near MCD School, Narela, Delhi-110040 > > • Date of Birth 11-04-1979 > > • Contact details 9891427315, 9643299315 Suresh Dogra Nov 14 to complaintscell Dear Exide Life Team, Greeting from Suresh! Any update on mail trail. [email protected] AttachmentsNov 15 to me Dear Mr. Suresh Kumar, Greetings from Exide Life Insurance! With reference to your below mail, we would like to inform you that the response to your complaint was sent on 1 Nov. Please find appended the email correspondence for reference. Further, we can review your complaint basis any proof of mis-selling i.e., written document or call recording had between the agent and yourself. In case of any such proof, request you to please provide the same for further investigation. Please get in touch with us for any further assistance. We hope to serve you again. Yours sincerely, Nandini Complaint Management & Redressal Cell Exide Life Insurance Company Limited From: Suresh Dogra [mailto:[email protected]] Sent: Monday, November 14, 2016 7:34 PM To: complaints cell Subject: Re: Fraud by Brokers with False Promise. ---------- Forwarded message ---------- From: To: Cc: Date: Tue, 1 Nov 2016 04:46:55 +0000 Subject: Policy No. 03360729 and Complaint No. EXL100083810 Dear Mr. Suresh Kumar, Greetings from Exide Life Insurance! This has reference to your complaint dated 22/10/2016, regarding policy being mis-sold on assurance of getting benefit from other insurer policy and seeking cancellation. We regret to inform you that we are unable to honour your request for cancellation based on the following reason: • Policy is out of Freelook period As per Regulation 6 (2) of (Protection of Policyholder’s Interest) Regulation 2002 issued by the Insurance Regulatory and Development Authority, “the policyholder is at liberty to review the terms and conditions of the policy and has the option to cancel the policy by stating the reason for his/her objection within 15 days of the receipt of policy bond (Free Look Period). In such cases the insurer is bound to deduct charges like stamp duty, mortality charges etc and refund the balance premium to the policyholder”. The said fact was also clearly intimated in the Welcome Letter issued to you along with the Policy Schedule. Policy bond was dispatched to you on 19/07/2016 through Register Post vide air way bill number RK333725907IN and delivered as per records. Since you did not revert to us within 15 days of the receipt of the Policy Bond, complaining about any of the terms and conditions or for any other reason, it was therefore presumed legally, that you were satisfied with the policy issued. However, In case you have any proof of mis-selling i.e., written document or call recording had between the agent and yourself, request you to please provide the same for further investigation. We would further request you to refer to the terms and conditions of the policy to understand the various features and benefits associated with the policy. Please get in touch with us for any further assistance. We hope to serve you again. Yours sincerely, Hidayath Ulla Shariff Grievance Officer Complaint Management & Redressal Cell Exide Life Insurance Company Limited cid:[email protected] Attachments area Suresh Dogra AttachmentsNov 15 to complaintscell Dear Nandini, Pls find the call recording of cheaters that how they playing with peopls like me with branded/reputated compant names. With Regards, Suresh Dogra 9891527315 ---------- Forwarded message ---------- From: To: Cc: Date: Tue, 1 Nov 2016 04:46:55 +0000 Subject: Policy No. 03360729 and Complaint No. EXL100083810 Dear Mr. Suresh Kumar, Greetings from Exide Life Insurance! This has reference to your complaint dated 22/10/2016, regarding policy being mis-sold on assurance of getting benefit from other insurer policy and seeking cancellation. We regret to inform you that we are unable to honour your request for cancellation based on the following reason: • Policy is out of Freelook period As per Regulation 6 (2) of (Protection of Policyholder’s Interest) Regulation 2002 issued by the Insurance Regulatory and Development Authority, “the policyholder is at liberty to review the terms and conditions of the policy and has the option to cancel the policy by stating the reason for his/her objection within 15 days of the receipt of policy bond (Free Look Period). In such cases the insurer is bound to deduct charges like stamp duty, mortality charges etc and refund the balance premium to the policyholder”. The said fact was also clearly intimated in the Welcome Letter issued to you along with the Policy Schedule. Policy bond was dispatched to you on 19/07/2016 through Register Post vide air way bill number RK333725907IN and delivered as per records. Since you did not revert to us within 15 days of the receipt of the Policy Bond, complaining about any of the terms and conditions or for any other reason, it was therefore presumed legally, that you were satisfied with the policy issued. However, In case you have any proof of mis-selling i.e., written document or call recording had between the agent and yourself, request you to please provide the same for further investigation. We would further request you to refer to the terms and conditions of the policy to understand the various features and benefits associated with the policy. Please get in touch with us for any further assistance. We hope to serve you again. Yours sincerely, Hidayath Ulla Shariff Grievance Officer Complaint Management & Redressal Cell Exide Life Insurance Company Limited 43 Attachments [email protected] Nov 16 to me Dear Mr. Suresh Dogra, Greetings from Exide Life Insurance! With reference to your below mail, we would like to inform you that we are reviewing your complaint basis the call recording shared by you. We shall update you on the status at the earliest. Kindly bear with us in the interim. Please get in touch with us for any further assistance. We hope to serve you again. Yours sincerely, Nandini Complaint Management & Redressal Cell Exide Life Insurance Company Limited From: Suresh Dogra [mailto:[email protected]] Sent: Tuesday, November 15, 2016 5:05 PM To: complaints cell Subject: Fraud by Brokers with False Promise. Suresh Dogra Nov 16 to complaintscell Thanks Nandini and pls make a deep investigation to catch these cheayers. It may be that it is a big group and they destroy me or destroy other one also. Because me not first for them nor last. With Regards, Suresh Dogra 9891427315 Suresh Dogra AttachmentsNov 18 to complaintscell Dear Nandini, Namskar! Fresh call recording of cheater for your information. With Regards, Suresh Dogra Attachments area [email protected] With reference to your below mail, we would like to inform you that we have f... Nov 18 Suresh Dogra Nov 25 to complaintscell ​Dear Nandani, Any update.​ Regards, Suresh Kumar 9891427315 [email protected] Nov 25 to me Dear Mr. Suresh Dogra, Greetings from Exide Life Insurance! With reference your below email, we would like to inform you that Mr. Hidayath, Grievance Officer is attending to your complaint and shall get in touch with you at the earliest. You may also reach him on 080-67996000, Ext no. 4041 to help us serve you better. Please get in touch with us for any further assistance. We hope to serve you again. Yours sincerely, Nandini Complaint Management & Redressal Cell Exide Life Insurance Company Limited From: Suresh Dogra [mailto:[email protected]] Sent: Friday, November 25, 2016 1:47 PM