[Resolved]  HDFC Bank — free look in cancellation refund not processed... over 45 days

I bought the policy around the 24th of nov and cancelled it during the free look in period around the 26th of nov.

I was told a refund would process in 5 to 7 working days and twice they wasted time over the neft mandate which was also of a hdfc bank account.

Now it is 13th janauary and 3 days ago raj mishra the great - their worthless email reply agent again emails saying it will take 2 to 3 days more.. That to after in the previous 1 month asking my bank a/c statement 2 times as if i am lying.

When i call hdfc they say the refund is already in your bank a/c but the hdfc bank a/c shows no such thing.

So, in short, they are not aware of a customer's money in their own bank.. M if this is the case when cancelling within 2 days then suppose you pay for the full term of 20 to 30 years then what will happen?