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HBN Dairies & Allied Limited Complaints & Reviews

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Updated: Dec 3, 2025
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HBN Dairies & Allied Limited reviews & complaints page 42

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V
Vivek shukla 4
from Mundi, Madhya Pradesh
May 23, 2017
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Address: Hoshangabad, Madhya Pradesh, 484001

Hbn dairies & allied limited my reign. No. & date of commencement miss laxmi Dahiya
Radha davi Dahiya w/o Ashok Kumar Dahiya near hanuman mandir ward no. 27 SHAHDOL Madhya Pradesh amount. 8550 date 29/10/2015 machuety date 29/01.[protected] month March jun September December My policy is machour on E mail I'd [protected]@gmail.com
Mob. [protected]
+1 photos
HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
May 23, 2017
Updated by Vivek shukla 4
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    S
    Siby Murugan
    from Chennai, Tamil Nadu
    May 22, 2017
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    Address: New Delhi, Delhi

    G.Murugan
    cont.no:[protected]
    [protected]@gmail.com

    Address: S/O Gopal
    2/91A North street
    M.Puliankulam
    Thirumangalam TK, Madurai DT - 625707

    Contact address: S/O Gopal
    5E/204 EB colony, 2nd street, Chatrareddiyapatti.
    Virudhunagar, - 626001 Tamil nadu


    Requested sir/madam,

    We are unable to getting any kind of insurance policy amount.Cost of cattle: 23, 000/-. Date of last payment-15/04/2016, date of expiry of term-15/02/2017.Distributors code[protected], Regn.no[protected], scg 2149431.

    For the above details correct in the sense retrieved particular amount in this policy. So please kindly requested to refund my amount.
    Thanking you

    Please do needfully
    Yours faithfully
    G.Murugan
    HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
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      L
      Logu Lokesh
      from Chennai, Tamil Nadu
      May 20, 2017
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      Address: Chennai, Tamil Nadu, 6000114
      Website: www.Consumercompliant.in

      From:MRS V.Lakshmi W/O N.Viswanathan
      No:1b, 2nd Street,
      Bv Nagar,
      Nanganallur,
      Chennai-6000061.

      Requested sir/madam,

      We are unable to getting any kind of insurance policy amount.Cost of cattle: 25, 650/-. Date of last payment-31/12/2014, date of expiry of term-31/01/2015.Distributors code[protected], Regn.no[protected], scg 0345512. For the above details correct in the sense retrieved particular amount in this policy. So please kindly requested to refund my amount.
      Thanking you

      Please do needfully
      Yours faithfully
      V.Lakshmi
      +1 photos
      HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
      My policy number e08v06756/e08v06755 still not get any kindly confirm and address also my mobile no [protected]
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        M
        Muthu As
        from Chennai, Tamil Nadu
        May 19, 2017
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        Address: Tirunelveli, Tamil Nadu
        Website: Www.consumercomplaints.in

        I am muthu, s/o a. Subbaiah. I was purchased hbn policy from the tirunelveli branch through hbn policy agency not responsible my policy, due amount has been over on 28/02/15, so please give my maturity amount.
        Reg no:d09bg[protected]
        Dete of commence; 31/08/2009
        Plan&term:d 5y-6m
        Amount of first instalment:200
        Expire date:28/02/15
        Distribution code:[protected]
        Csc;tirunelveli
        Code no;036
        Recipt no:709
        C. S. S. No:100
        HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
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          N
          n s c
          from Mumbai, Maharashtra
          May 19, 2017
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          Address: Bulandshahr, Uttar Pradesh, 203131
          Website: NA

          Hbn Dairies & Allied Limited — Policy is complete and back money
          N n s c on Apr 6, 2017 and 19 may 2017
          Dated 6 April 2017

          To
          Dear Sir...

          My RD policy is complete on Dec. 2016, plz reply me where place submit policy bond. become my branch HBN Aligarg (U.P.) is closed.Agent not answer this meter.

          My two policy my and my wife.

          Policy Detail

          Shilam Devi w/ Narendra Singh
          Policy N... D[protected]
          Vill.P.O. Arniya Khurd
          Distt. BulandShahar (U.P)

          And

          Narendra Singh S/. Shi Mahavir Singh
          Policy N. D[protected]
          Vill.P.O. Arnia Khurd
          Distt. BulandShahr (U.P.)
          HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
          My policy number e08v06756/e08v06755 still not get any kindly confirm and address also my mobile no [protected]
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            R
            Rajeshvari Joshi
            from Surat, Gujarat
            May 18, 2017
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            Address: Panchmahal, Gujarat, 389330

            I rajeshwari g joshi, i was purchased hbn policy from the godhra (Gujarat) branch through hbn policy agent mr. Rekha parekh on date 02/july/2011, of cattle cost rs.18, 500/- with monthly payment mode of rs.200/-.
            Reg. No. : - d[protected]
            Distributor code :[protected]
            Date of commencement : - 02/07/2011
            Plan no. Term : - d 5y 10m
            Mode of payment : - rs. 200/- per month
            Joint venture’s consideration c. O. C:- rs.18, 500/-
            Expected sum : - rs. 6, 000/-
            Last payment : - 10/12/2013
            Expiry date : - 02/05/2017
            Applied for claim on : - 02/052/2017
            So, release the maturity amount of rs. 6, 000/- with (At the end of term 10% of consideration amount will be paid as bonus if the joint venture is not lapsed.) (As per note printed on policy certificate). And gives 25% interest of total sum of maturity because of delay in payment of till date,
            So please i requested that, release the sum of maturity amount above cited please reply as soon as possible, otherwise i will “knock the consumer court door.”
            With regards
            +2 photos
            HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
            My policy number e08v06756/e08v06755 still not get any kindly confirm and address also my mobile no [protected]
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              E
              E Revanth kumar Reddy ERevanth kumar
              from Adoni, Andhra Pradesh
              May 18, 2017
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              Address: Chittoor, Andhra Pradesh, 517002
              Website: Google chrome

              From:
              E. Varalakshmi,
              Andhrapradesh,
              Chittoor district,
              Chittoor,
              Mangasamudhram
              To:
              The hbn complaint care,
              Hbn,
              New delhi
              Sir,
              We are unable to recover money, and the branch in tirupathi also existed, so we are won't our money back the customers are blaming us so please return our money other wise we go to court

              Yours faithfully,
              E. Varalaksmi
              HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
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                T
                Taijeel
                from Morjim, Goa
                May 15, 2017
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                Address: 413201
                Website: Www.consumercomplaints.in

                I have to get my amount back. I have deposited 20000 rs on my 2 accounts.
                I have get back my amount as early as possible.
                I had visited nearest hbn dairies and allied ltd which has been close among some months
                So i cnt have get back my cash amount which i delosited on my acount.
                So i have been registerd this complaint
                Plz get back my cash amount mi as early as posibile.i need that.
                HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
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                  M
                  Mandeeprachna
                  from Jawad, Madhya Pradesh
                  Apr 27, 2017
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                  Address: 491001

                  I paid complet amount in hbn dairy till maturity that in durg chhattishgarh branch. But still i havent received my maturity amount from hbn group. Hbn branch has cloesd. So pls do the need full and guide me what can i do... I have tried many times with company, but given number in website is invalied

                  Hbn agent denay to help me and doing miss behave with us.
                  Email-. [protected]@gmail.com
                  [protected].
                  HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
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                    S
                    sampath392
                    Apr 25, 2017
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                    Address: 641652

                    Hi there,

                    We have make 5 policy below as per the certificate no. But still not received any amount from the hbn group and when ever we ask they say will come in 6 months or 3months.

                    Policy holder: radha
                    Certificate number: d08ee9420
                    End term: 31/01/14

                    Policy holder: chitra
                    Certificate number: d08ee6948
                    End term: 25/12/2013

                    Policy holder: uma priyanka
                    Certificate number: d08ee6949
                    End term: 25/12/2013

                    Policy holder: sathish kumar
                    Certificate number: d08ss0527
                    End term: 27/02/2014

                    Policy holder: sampath kumar m g
                    Certificate number: d08ee6947
                    End term: 25/12/2013

                    Contact number :[protected]
                    Mail id: arjun. [protected]@gmail.com
                    HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
                    G[protected] BABASAHEB WAGHMARE plz refund my money

                    Hbn policy amount refund - Comment #2728368 - Image #0
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                      R
                      from Vellore, Tamil Nadu
                      Apr 17, 2017
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                      Address: Vellore, Tamil Nadu, 632001
                      Website: consumer complaints

                      Dear sir,
                      hbn diaries & allied ltd.
                      We are taking following policies.
                      01.M.Jagadeesan policy.No.D[protected]
                      02.A.Saman sigh policy no. D[protected]
                      03.R.Geetha policy no.D[protected]
                      04.G.Ramesh singh policy no.D[protected]
                      the above original document submitted in vellore tamil nadu
                      hbn brnch office on[protected] still we have not any correct result in vellore office. So please clarify the above policy amount when will we recieved.My cell no.[protected].
                      E mail id.[protected]@gmail.Com
                      HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
                      Hello sir,
                      We have started our investment with hbn on[protected] and deposited almost 60 installments with 1200 rs. Per month. Our plan is plan - d 5y-10m.
                      Now as the last date of payments has passed on, we would like to request you to please refund my money . It will be Maturity on 15/10/2016.
                      My registration no. Is D[protected].
                      I am paying regular premium of my policy, but office is permanently closed and m stuck in problems of my money... That is [censored]ing service in the world and cheated to public
                      Regn. No. - D[protected]
                      SCG - 2002034
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                        A
                        Albart hajjurge
                        from Bengaluru, Karnataka
                        Apr 11, 2017
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                        Address: Bidar, Karnataka, 585401
                        Website: Hbn daries & allied Ltd

                        Resp sir
                        Albart. S. Hajjurge (Dm)
                        Agent code[protected]
                        Branch code 06200
                        Bidar karnataka

                        1) mai 2009 me 2325 (H) ka policy leke agent bana hoo aur maine
                        2) josef. B. Metre 2325 (H)
                        3) purushottam. 2325 (H)
                        4) sanjukumar. B. Metre 2585 (Q)
                        5) dayanand maisappa 2325 (H)
                        6) ratnamma. M. 3255 (H)
                        7) davita. R. Gonde. 1410 (H)

                        Policy pura bhare hai. Mechurity leneke liye office ok gaye to office band hai.
                        Do saal se bohut taklip me hu aur char maar khaya hu. Bohut jada taklip me hu krupaya karke policy ke paise de do
                        Nahi to jaher khake mar javunga.

                        Albart s/o shiromani hajjurge
                        A/c no [protected]
                        Branch code. -1972
                        Branch - bidar
                        Ifsc code. Sbin0001972
                        Phone [protected]
                        HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
                        Apr 11, 2017
                        Updated by Albart hajjurge
                        Please send money
                        Dear sir/mam I am Naveen Rekwar From Purbiya Mohalla Manasa Dist. Neemuch (MP) My Certificate No. is E08T18040. Pls Plz Refund My Deposit Money.

                        Thanks

                        Policy completed machurity amount not given - Comment #2711602 - Image #0
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                          N
                          n s c
                          from Mumbai, Maharashtra
                          Apr 6, 2017
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                          Address: Bulandshahr, Uttar Pradesh, 203131
                          Website: NA

                          Dated 6 April 2017

                          To
                          Dear Sir...

                          My RD policy is complete on Dec. 2016, plz reply me where place submit policy bond. become my branch HBN Aligarg (U.P.) is closed.Agent not answer this meter.

                          My two policy my and my wife.

                          Policy Detail

                          Shilam Devi w/ Narendra Singh
                          Policy N... D[protected]
                          Vill.P.O. Arniya Khurd
                          Distt. BulandShahar (U.P)

                          And

                          Narendra Singh S/. Shi Mahavir Singh
                          Policy N. D[protected]
                          Vill.P.O. Arnia Khurd
                          Distt. BulandShahr (U.P.)

                          Mobile ... [protected]

                          Poliy Bond Attached
                          +2 photos
                          HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
                          Dear Sir I am Pravin Subhash Zarear. plz help me. I was deposited the recurring deposit for some people's in Hbn dairies and allied ltd . The maturity date is over. But the amount is not received yet.The customers is very angry for that.
                          Our policy had ended by 2014 but we did not received the maturity amount. We are keep trying to contact the office where we paid the amount but no response. The total maturity amount is 2 lakh. Is anyone ca help here?
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                            K
                            kavipr
                            from Chennai, Tamil Nadu
                            Apr 5, 2017
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                            Address: Chennai, Tamil Nadu, 600037

                            Dear sir,

                            i am prakash a my regn.no d[protected] and scg 1741202 i have join in this sceam on 30/03/2011 every month i have to paid rs.2000/- six month only . now my certificate is expired on[protected] so kindly refund my amount rs.12000/- with interest immediate

                            my contact no [protected] & [protected]

                            by
                            a.prakash
                            (my certificate copy all attached with this mail kindly give my amount immediate otherwise you contact me )
                            +5 photos
                            HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
                            In 2011 myself and my friend deposit as RD through agent.our period completed.but office in durg has been closed.so we are anxious our maturity.
                            Policy no.D[protected]., D[protected]., D[protected]., D[protected]., D[protected]., D[protected]., D[protected]., D[protected]., D[protected]., D[protected]., D[protected]., D[protected]., D[protected]., D[protected]

                            Regarding my refund amount - Comment #2709454 - Image #0
                            Regarding my refund amount - Comment #2709454 - Image #1
                            Regarding my refund amount - Comment #2709454 - Image #2
                            Regarding my refund amount - Comment #2709454 - Image #3
                            Regarding my refund amount - Comment #2709454 - Image #4
                            Regarding my refund amount - Comment #2709454 - Image #5
                            Regarding my refund amount - Comment #2709454 - Image #6
                            Regarding my refund amount - Comment #2709454 - Image #7
                            Regarding my refund amount - Comment #2709454 - Image #8
                            Regarding my refund amount - Comment #2709454 - Image #9
                            Regarding my refund amount - Comment #2709454 - Image #10
                            Regarding my refund amount - Comment #2709454 - Image #11
                            Regarding my refund amount - Comment #2709454 - Image #12
                            Regarding my refund amount - Comment #2709454 - Image #13
                            Certificate nos D[protected] When exactly will the payments be reimbursed? It has been pending for years.
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                              A
                              arun namdev
                              from Raisen, Madhya Pradesh
                              Mar 30, 2017
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                              Address: Raisen, Madhya Pradesh, 464661

                              Sir meri policy puri ho gai h per case clear nhi ker rahe h ab aap sir help kijiye sir kya kare isme phas gaye the case dene main problem kyo aa rahi h kyonki hamse to jama ker ba liye or sir ab puri ho gai h to case nhi mil raha hair kuch kariye case mil jaye or aapki mahan kripa hogi sir aap meri help kijiye sir bahut pareshaan ho rahe h hum ab aap h solution kare
                              HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
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                                S
                                Siyaram shah
                                from Bardoli, Gujarat
                                Mar 18, 2017
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                                Address: Singrauli, Madhya Pradesh

                                Dear sir
                                I'm very sorry to say that after several complain to you regarding the payment of hbn recurring which are matured on it 30/04/2015 amount RS 18000/-each for my daughter Ankita shah and Abhishek shah have not yet solved ..No body has contacted till date.
                                Kindly arrange payment as soon possible because kids needs money for their studies.
                                All the details have been sent through this address but no any positive response noticed.
                                Now please solve the issue as soon as possible otherwise I will go for higher complain.
                                Thanks
                                With regards
                                Siyaram shah
                                M.no.[protected]
                                Email: [protected]@gmail.com
                                HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
                                Mar 19, 2017
                                Updated by Siyaram shah
                                Dear sir
                                Please see my yesterdays complain regarding the hbn recurring payments..I don't know where you have forwarded my complaint..just after few minutes yesterday on.dt 18/03/17 one call I have received from m no.[protected] this airtel sim and from Bihar.He was cheating me and asked my ATM number for easy payment..he was a fraud man, I'm going to register FIR shortly.. please take action against him, how he dare to cheat me..
                                Thanks
                                Regards
                                Siyaram shah
                                Hi Sir,

                                i am one of the policy holder. Did you revived the amount?
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                                  N
                                  n s c
                                  from Mumbai, Maharashtra
                                  Mar 9, 2017
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                                  Address: Bulandshahr, Uttar Pradesh, 203131
                                  Website: na

                                  Hbn Dairies & Allied Limited — No payment last 1 year
                                  N n s c on Sep 6, 2016 and 9 march 2017
                                  Dear sir
                                  Meri aur mere bhai ki bhn mai policy mai jiske paper last year aligarh branch mai agent ne jama kar diye hain mager abhi tak koyi payment nahi huyi hai, mera policy bond aur last slip branch mai jama hai.
                                  Plz mera apse anurodh hai is par karyavahi ki jaye mai cash dipo ki slip attache kar raha hoon,

                                  Policy dharak
                                  Hira lal s/. Hohan lal
                                  Pappu s/. Sohan lal

                                  Vill. P. O.- arnia khurd
                                  Distt. Buland shahr (U. P.)
                                  Pin 203131

                                  Mobile n.[protected]...

                                  plz confirm karen is par kya karyavahi ho rahi hai ye shikayat mai dubara kar raha hoon.
                                  +2 photos
                                  HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
                                  Mar 30, 2017
                                  Law Pradeep's response
                                  my number is [protected]
                                  I pay monthly 200 for hbn insurance at thanjavur tamilnadu but now the company has closed now i need the paid amount 4000 for 2 year amount sir
                                  Mera naam Jayant me M.P. se hu
                                  Mene HBN company me 27000 rupye invest kiya or jb mujhe waps pese milne the to company ka office gayb ho gya sb bhag gye pass help me sir ...

                                  pls help sir

                                  No refund - Comment #2697445 - Image #0
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                                    N
                                    n s c
                                    from Mumbai, Maharashtra
                                    Mar 8, 2017
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                                    Address: Bulandshahr, Uttar Pradesh, 203131
                                    Website: www.

                                    Hbn Dairies & Allied Limited — Not payments
                                    N n s c on Sep 27, 2016 next date 8 March 2017
                                    Dear sir

                                    Meri policy aligarh branch mai hai, jisko complete huye 1year se jyada ho gaya,
                                    Mera bond jama ho gaya hai .abhi tak payment nahi ho raha hai
                                    Agent se bolte hain to uske paas time nahin hain,
                                    Meri ye complaint par kuchh karyvahi karaye.

                                    Policy holder

                                    Vijay singh
                                    Vpo- arnia khurd
                                    Distt.- bulandshahar (u.p.)

                                    Mobile n.[protected]...
                                    +1 photos
                                    HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
                                    I have one dairies certificate i paid every month 100 rupees this loan already finished before one year please close my account and settle my money
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                                      S
                                      Siyaram shah
                                      from Bardoli, Gujarat
                                      Feb 16, 2017
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                                      Address: Singrauli, Madhya Pradesh

                                      I'm sorry to say that no boby has taken action about on maturity amount of hbn dairies payment, this complain lodging 3rd time about the same...
                                      Name of the investors_ankitas shah D/O Sri siyaram shah, certificate registration no-E09AC[protected].
                                      Name of investors -Abhishek shah S/O Sri Siyaram shah certificate registration no E09AC[protected].. DT of maturity DT 30/04/2015 of both the certificate...
                                      Kindly take up the matter to consult person who is responsible to release payment as soon as possible..
                                      Thanks
                                      Regards
                                      Parent of investors
                                      Siyaram shah m no.[protected]
                                      Mail address- shahsiyaram23637 @gmail.com
                                      HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
                                      Im karthik. I had started business at Kaghaznagar. I had joined approx 50 members under Kaghaznagar unit. All the members got maturity in 2014. No maturity amount received yet. Approximate amount to be received by us is 7 lacs. When do you pay our money back.
                                      I have invest money in hbn dairies & allied ltd..policy has ended in 2012 but still not received amount...my deposit amount is 33000/ and payable amount is 42750...but still no response from this company..so please help me to collect payment and how can collect this amount from the company HBN...
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                                        9
                                        99akash
                                        from Satna, Madhya Pradesh
                                        Feb 14, 2017
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                                        Address: Rewa, Madhya Pradesh, 486001

                                        Hbn Dairies & Allied Limited — Complain regarding payment of recurring maturity amount.
                                        Dear sir
                                        Please refer my earlier complain of 10th January regarding the same but no any positive response received from hbn team'...l have called all the land line numbers no response found till date.. please arrange to communicate the same.. Details of recurring certificate and others are as:-
                                        (1) Name - Aakash singh registration no.E08K14418 dt of commencement 15/07/2008 and dt of maturity 30/04/2015.
                                        (2) Name- PRAKASH SINGH registration no E08K14419 and dt of commencement nad maturity same as mentioned.
                                        I request you to kindly look into the matter...
                                        HBN Dairies & Allied Limited customer support has been notified about the posted complaint.
                                        I need urgent money please do needful to get my policy refund
                                        Prashant Anandrao Sutar
                                        At/p Khedshivapur, Taluka- Haveli,
                                        Dist- Pune.
                                        Pin - 4112205.
                                        mobile - [protected]

                                        Policy refund - Comment #2665724 - Image #0
                                        I am the policy holder of account policy the maturity has been completed hence refund my maturity amount at the earliest please. I am in hardship of financial problem.
                                        आप यदि एच बी एन कंपनी के शेयर होल्डर है तो आपको उसके खिलाफ एक होकर लड़ाई लड़ने की आवश्यकता है और आप सभी से अनुरोध है के आप सबसे पहले एक सूचना उसके डाइरेक्टर को भेजें की आप हमारा पैसा दिलवा रहे की नहीं और यदि नहीं तो हम आपके खिलाफ जुर्म पंजीबद्ध कराने हेतु बाध्य होंगे और आप जुर्म पंजीबद्ध १५ दिनों के बाद अपने निकटतम थाने में दर्ज कराएं और उन्हें बताएं की डाइरेक्टर
                                        AMANDEEP SING SHARN S/O. HARMANDAR SING SARAN
                                        BAIRAK NO. -7, CHHOTI GOLE,
                                        CENTRAL JAIL,
                                        RAIPUR (CHHATTISGARH) ४९२००१
                                        यहाँ जेल में ऐशो आराम से रह रहा है आप उसके खिलाफ एक मुक़दमा दायर करें और गिरफ्तार कर हमें न्याय दिलाने में हमारी मदद करें, हमारे खून पसीने की कमाई के पैसों से इनका बाप और इनका पूरा परिवार पुलिस की चंगुल से बचकर हमारे पैसों से देश विदेश की सैर कर रहे है बड़े बड़े मोल, अपार्टमेंट, कॉलोनी, डेवेलोप करके बेच रहे है और सरकार कोई ठोस कार्यवाही नहीं कर रही है अब आम जनता को सभी जगह से अपने क्षेत्र के बड़े एजेंट के खिलाफ रिपोर्ट लिखायें और डाइरेक्टर के खिलाफ भी - पहले आप एक नोटिस ऊपर लिखे पते पर भेज कर डाइरेक्टर क्या कहता है उससे पत्र व्यव्हार जरूर करें डाइरेक्टर अमनदीप सिंह शरण पिता हरमंदर सिंह शरण आपको आपके पत्र पहुचते ही पैसे लौटने की व्यवस्था जरुर करेंगे - यदि कोई जवाब नहीं आने पर आप रिपोर्ट जरूर दर्ज कराएं
                                        I am Bachan dev Dhand, i belong to Mahasamund, Chhattisgarh. I've Made A Fixed Deposit On[protected] For 6 Years And 3 Months Of Rs. 50000, Which Is To Be Received On[protected] Rs. 100000. But The Company Closed Be Fore The Due Date With Taking Crores Of Rupees Of The Public.

                                        Policy refund - Comment #2690636 - Image #0
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