[Resolved]  HDFC Bank Life Insurance Company — Hdfc life insurance policy 18565617 being mis sold through fraud agents linked to hdfc life

Address:	Lucknow, Uttar Pradesh, 226018
Website:	www.hdfclife.com

Dear Sir/Madam,

A fraud was done to me by agents who earlier said that they are linked to HDFC Life but were agencies and their details were shared and pre intimated to HDFC Life officials and they accepted and are processing my refunded my money of 90000 Rs linked to Policy No: 18545121 and the complaint about the linked policy 18565617 was informed to them on the same date and time. But the HDFC customer grievances department is mentally harassing me without any basis where in I got everything in written and also marked to them over the call and email to their officials but yet denying to refund my Parents sum of money of 1.44 Lacs. Request you to intervene and please check that these insurance brokers stop the harassment wherein they have left linked agencies/brokers to work for them and get their policy done in the market. Please check below in inverted wherein I have written the whole case to them and their harassment reflects about denial to refund the money.

Conversation below:

"
RE:'HDFCSL=[protected]' Re: Ref No: 18565617
Inbox
x

[protected]@hdfclife.com
7:38 PM (4 hours ago)

to me
Dear Ms. Naima Parveen,

This is with reference to your concern raised towards the aforesaid policy.

We have done a detailed investigation of the facts presented by you and wish to share the following:

• We would like to inform you that the policy document provided to you contains a copy of all the documents signed by the policy holder giving us the consent to issue this policy.
• The features of the policy are also explained in detail in the policy document.
• As per company policy, we had done a verification call which was successfully completed thereby giving us your consent toward issuance of the captioned policy.

On conducting an internal assessment of your complaint, we have concluded that all the features and details of these plans were explained to you at the time of taking the policy. Given the above facts, this case cannot be treated as a missale.

As we have not received your cancellation request within the free-look cancellation period, we wish to inform you that we are unable to process a refund of premium paid towards your policy.

Please find the details regarding the free look provision mentioned under ‘Option to Return/withdraw’/’Cancellation in the Free Look Period’ section of your policy document.

We assure you that the above resolution has been provided after due consideration of all facts and findings. Insurance being a long-term contract, it is advisable to continue the policy till the end of term to reap the full benefits of the plan.

Assuring you the best of our services.

Yours sincerely,
Baljit Kaur Sahota
Customer Relations -HDFC Life
********************************************************************************...⇄
Insurance is the subject matter of the solicitation
HDFC Standard Life Insurance Company Limited. In partnership with Standard Life plc. IRDAI Regn No. 101
Regd Office: Lodha Excelus, 13 th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai-400011
Call us on our help line[protected]Local charges apply). Available all 7 days; 9am to 9pm.
DO NOT prefix any country code e.g. +91 or 00. | Email – [protected]@hdfclife.com |
Visit – www.hdfclife.com
********************************************************************************...⇄

-----Original Message-----
From: Khalid Hasan (khalidhasan.[protected]@gmail.com)
Date: Thursday, August 25, 2016 05:59 PM
To: [protected]@hdfclife.com ([protected]@hdfclife.com)
Subject: Re: Ref No: 18565617 with Policy No: 18565617 Client Id: 43703833with Premium of Rs 144000 incl tax with issued date of 29th July 2016.

Dear Sir/Madam,

Please let me know the status when requested the cancellation under the free look up period with desired details as asked by your officials.

Also request you to provide the lead time for the refund of money for 144000. The required documents too are well sent to you scanned on 22/08/2016.

Please do let me know the reasoning and basis for ignoring the complaint when marked 2 weeks back and why no intimation or investigation has been started yet in this case when the fraud was done by the same people and complaint was marked upon the same time as in reference to the other policy for refund of 90000Rs.

On Friday, August 12, 2016, Khalid Hasan wrote:
Dear Sir/Madam,

I have been missold policy through Probus Insurance Brokers and shall let you know later that how smartly these people cheat. Already told it in detail over the call and shared emails by them.

I do not want to continue with them and immediately want a refund as it is in the free look up period according to welcome kit.

Please refund the sum amount of Rs 144000 Rs to:

Ref No: 18565617 with Policy No: 18565617 Client Id: 43703833 with Premium of Rs 144000 incl tax with issued date of 29th July 2016.
Please reimburse at:
Account holder name: Mrs. Naima Parveen
Bank Name: State Bank of India
A/c No: [protected]
IFSC Code: SBIN0001526
Branch Address: Aminabad Lucknow.

Please take strict action and I shall mark statements in the FIR against Probus who are using your name and also planning to move to the council and IRDA. This Probus is headed by Ms. Seema Goel and Mr. Narendra Kumar Aggarwal (Directors) and complaint is against their fraud employees namely Mr. Rohit Chaudhary, Mr. Anurag, Mr.. Ansh Gujral and Mr. C Rajput.

--
Kind Regards,
[protected]---
Khalid Hasan.
ESSAR Oil Limited.
Noida, India.
Territory Sales Manager - Business Development.
+91-[protected].

LinkedIn ID: http://www.linkedin.com/pub/khalid-hasan/35/b29/304
Skype ID: khalid.hasan750

P Please consider your environmental responsibility: Before printing this e-mail, ask yourself whether you need a hard copy!
This e-mail including any attached files, may contain confidential and privileged information for the sole use of the intended recipient. Any review, use, distribution or disclosure by others is strictly prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and delete all copies of this message. Thank you.
Internet communications cannot be guaranteed to be timely, secure, error or virus-free. The sender does not accept liability for any errors or omissions.

--
Kind Regards,
[protected]---
Khalid Hasan.
ESSAR Oil Limited.
Noida, India.
Territory Sales Manager - Business Development.
+91-[protected].

LinkedIn ID: http://www.linkedin.com/pub/khalid-hasan/35/b29/304
Skype ID: khalid.hasan750

P Please consider your environmental responsibility: Before printing this e-mail, ask yourself whether you need a hard copy!
This e-mail including any attached files, may contain confidential and privileged information for the sole use of the intended recipient. Any review, use, distribution or disclosure by others is strictly prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and delete all copies of this message. Thank you.
Internet communications cannot be guaranteed to be timely, secure, error or virus-free. The sender does not accept liability for any errors or omissions.

Connect With Us On HDFC Life Insurance - Twitter HDFC Life Insurance - YouTube HDFC Life Insurance - Linkedin HDFC Standard Life Insurance - Google plus

Please do not print this email unless it is absolutely necessary
Product Disclaimer "Insurance is the subject matter of the solicitation. For more details on risk factors, associated terms and conditions and exclusions please read the product brochure before concluding a sale. This Signature is not proof of any contract with HDFC Standard Life Insurance Company Limited. HDFC Life Click 2 Protect Plus (Form No. P501 – 123, UIN-101N101V01) is a traditional non-participating term insurance plan offered by HDFC Life. HDFC Standard Life Insurance Company Limited is the name of our Insurance Company, HDFC Life is the name of our brand and HDFC Life Click 2 Protect Plus, UIN-101N101V01 is the name of the plan. The name of the company, name of the brand and the name of the plan do not in any way indicate the quality of the plan. HDFC Standard Life Insurance Company Limited. IRDAI Registration No. 101. ARN No: MC/08/2014/5155. CIN : U99999MH2000PLC128245."
DISCLAIMER"This message is intended solely for the use of the individual or entity to whom it is addressed. It may contain confidential/ privileged information protected by law. If you are not the intended recipient, you are not authorized to read, print, retain, copy, disseminate, distribute, use or rely on this message or any part thereof. If you receive this message in error, please notify the sender immediately and delete all copies thereof. HDFC Standard Life Insurance Company Limited is not liable for any improper and/or incomplete transmission of this message or for any damages caused due to the same."

Khalid Hasan
12:17 AM (18 minutes ago)

to service
Dear Ms. Kaur,

Thank you for your remarkable services and your thorough investigation which clearly states that even HDFC is linked to fraudsters in the market.

Please explain me the basis of your investigation and your glorious analysis to say that it has not been missold.

On 8th August 2016 somebody Mr. Akshay Ahuja from Delhi gave in call to me who said that he is speaking from HDFC customer complaint/retention team and I told him clearly about the fraud issue with cancellation and refund. On 12th August he again gave in a call to say that mark two emails with different policy numbers and intimate regarding the issue. Also he said that there can be an issue with Rs 90000 refund of your policy on your name but the other on your mother's name shall be refunded immediately as in the free look up period. "My recommendation to you people that please cross check with your staff before arriving to conclusions. Also please let me know that on what basis you people agreed to refund the other policy and refund of 90000 Rs if it isn't a fraud. "

Let me tell you that I marked a written complaint on 12th August on the 15th day from the issuance of the policy with the below mentioned subject on [protected]@hdfclife.com

" Ref No: 18565617 with Policy No: 18565617 Client Id: 43703833 with Premium of Rs 144000 incl tax with issued date of 29th July 2016."

Please let me know that why there has been a constant mental harassment when it has been a linked policy as told by those fraudsters who named them as HDFC people and all the details were pre-shared with you about the fraud. Let me tell you that the calls were to my father and mother who were not well aware about the fraud and the whole case was looked upon by me. Please check in inverted below.

" Re: Nomination- Mr. Nafisul Hasan in reference with Mr. Khalid Hasan.
Inbox
x

Khalid Hasan

Jul 10

to Anurag, Anurag.srivast.

Dear Mr. Anurag,

Thank you for sharing the benefits of the policy.

In short,
Benefits are:
1. Assured Branch Nomination Income: Rs 33650 per month for 15 years starting from September 2016.
2. 12000 Rs assured pension income per month for 15 years starting from September 2016.
3. Term Insurance cover of 1.30 crs in case of accidental / natural death.
4. 55 lacs pre-approved loan @ 3.75% per annum.
5. 12 lacs OD.
6. Cashless Benefit: Upto 18 lacs for treatment of existing or new treatments.
7. 40% discount every year on premium sum of policy payment to be made.
8. 25% of 3.90 lacs reference bonus to me.

Mr. Anurag please confirm me if all above stated are correct and assured and my Father does want to know the special conditions of the policy pertaining to above mentioned sum to be received per month and other benefits of the policy.

Also please clarify that the term of the policy is for 7 years or 10 years?

Also please specify clearly that the terminal bonus and revisionary bonus mentioned shall be assured sum?

Please mention the subject to/special conditions of the policy.

Your reply and confirmation shall be awaited.

On Saturday, July 9, 2016, Anurag srivastava wrote:
Dear Sir,

Branch Nomination-
Corporate license for 15 years.
Slab Amount Of Rs 390000.
Monthly Income for 15 years is guaranteed.
Benefits Of Licence.

1) Gross monthly income Rs 37500/- p.m For 15 years.
2).Net in hand income-Rs33650/- p.m for 15 years.
3)ppf income-Rs2200 p.m For 15 years.
4) TDS Rs 1650 p.m For 15 Years.
5)Incentive 0.75% on Monthly Business of Rs 10 Lac.And 1.25% Above 10 Lac.
6)Death Sum Assured Rs 1.3 Crore.
7)Pre Approved Loan Rs 55 Lac @3.75% P.A
9)Overdraft Limit Rs 12 Lac.
10) Cash Less Medical Benefits-18 Lac

Note-
policy term -10 yr
premium payment term-7 years.(150000 for 7 years)
Revisionary Bonous term ;-10 years(Traditional Income)
From 1st year 3% per annum of your Sum Assured=36000*10=360000
Terminal Bonous-40% of S.A=480000
sum assured-Rs 1200000
Death sum assured-R.s.1500000
incidental sum assured;-3000000
Maturity Amount;- Sum assured+3% Revisionary Bonous+40% Terminal bonous off sum assured . 1200000+360000+480000=2040000

Additional Benefits:-
Additionalbenifits- 40% Cash Back on every premium.
Rs 12000/- pm upto As a nominee pension from September 2016 to till 10 years.
25% on Refrence Benefit.

Regards///
Anurag Srivastava (D.M)
HDFC Standard Life
+91-[protected]
Mail-anurag.[protected]@hdfclife.in "

Above are the facts and please let me know that when was the free look up start and end date and exactly on what basis and ground you people have accepted mistake regarding my policy and refund of 90000 Rs. Also please check my email dated 08/08/16 marked to your ID below after which Mr. Akshay Ahuja gave in a call and I asked for cancellation and refund. Please let me know further that are you people trying to harass me with your late responses and multiple calls through different departments and not willing to understand when everything is crystal clear and on written basis over emails which were well shared to you as dates I have mentioned. Now please do complete the homework before writing and concluding the case as seriously this seems a case of mental harassment which I get a feeling off with your organisation getting associated with fraudsters left open in the market to cheat people and get your HDFC policy done. Please do let me know after re-investigation that if I am wrong and do provide me the free look up start and end date and do consult with Mr. Akshay Ahuja of customer retention team in New Delhi before we meet in consumer court as I do know that what I am writing and on what basis I am asking the refund for? Please check below in inverted and revert with your final conclusion and argument with logical reasons and basis of the mental harassment that you people are doing to me.

" Complaint regarding Policy No:[protected] Khalid Hasan
Inbox
x

Khalid Hasan

Aug 8

to Service, Anurag, Ansh, Anurag.srivast.

Dear Sir,

Called Mr. Ansh Gujral 45 times who attended call at 10 pm and says that he is Mr. Chindesh Rajput and denied to give the number of Mr. Anurag Srivastava who said that is Sr. RM but now number not working. Mr. Rajput is abusive and no one listening with still to receive bond paper against my policy. I also made another policy of 1.44 lacs after 40 percent discount but things are different as my DAD complaints that he has received the bond paper with all the things different what they gave in writing on mail and now no one attending. They dealt with ID''s
Mail id- srivastava.anurag.[protected]@gmail.com
anurag.[protected]@hdfclife.in T:[protected]
E: gujral.[protected]@gmail.com T:[protected]

Kindly help as after Mr. Chindesh Rajput has dared to abuse and is saying that he sits on seat no 23 at Cannought place HDFC Life Insurance office, am planning to move to consumer court to mark a severe complaint. I'll definitely sue the organisation as the commitment is entirely different what they promised.

Please contact me on an urgent basis. "

On Wed, Aug 31, 2016 at 7:38 PM, [protected]@hdfclife.com wrote:
Dear Ms. Naima Parveen,

This is with reference to your concern raised towards the aforesaid policy.

We have done a detailed investigation of the facts presented by you and wish to share the following:

• We would like to inform you that the policy document provided to you contains a copy of all the documents signed by the policy holder giving us the consent to issue this policy.
• The features of the policy are also explained in detail in the policy document.
• As per company policy, we had done a verification call which was successfully completed thereby giving us your consent toward issuance of the captioned policy.

On conducting an internal assessment of your complaint, we have concluded that all the features and details of these plans were explained to you at the time of taking the policy. Given the above facts, this case cannot be treated as a missale.

As we have not received your cancellation request within the free-look cancellation period, we wish to inform you that we are unable to process a refund of premium paid towards your policy.

Please find the details regarding the free look provision mentioned under ‘Option to Return/withdraw’/’Cancellation in the Free Look Period’ section of your policy document.

We assure you that the above resolution has been provided after due consideration of all facts and findings. Insurance being a long-term contract, it is advisable to continue the policy till the end of term to reap the full benefits of the plan.

Assuring you the best of our services.

Yours sincerely,
Baljit Kaur Sahota
Customer Relations -HDFC Life
********************************************************************************...⇄
Insurance is the subject matter of the solicitation
HDFC Standard Life Insurance Company Limited. In partnership with Standard Life plc. IRDAI Regn No. 101
Regd Office: Lodha Excelus, 13 th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai-400011
Call us on our help line[protected]Local charges apply). Available all 7 days; 9am to 9pm.
DO NOT prefix any country code e.g. +91 or 00. | Email – [protected]@hdfclife.com |
Visit – www.hdfclife.com
********************************************************************************...⇄

-----Original Message-----
From: Khalid Hasan (khalidhasan.[protected]@gmail.com)
Date: Thursday, August 25, 2016 05:59 PM
To: [protected]@hdfclife.com ([protected]@hdfclife.com)
Subject: Re: Ref No: 18565617 with Policy No: 18565617 Client Id: 43703833with Premium of Rs 144000 incl tax with issued date of 29th July 2016.

Dear Sir/Madam,

Please let me know the status when requested the cancellation under the free look up period with desired details as asked by your officials.

Also request you to provide the lead time for the refund of money for 144000. The required documents too are well sent to you scanned on 22/08/2016.

Please do let me know the reasoning and basis for ignoring the complaint when marked 2 weeks back and why no intimation or investigation has been started yet in this case when the fraud was done by the same people and complaint was marked upon the same time as in reference to the other policy for refund of 90000Rs.

On Friday, August 12, 2016, Khalid Hasan wrote:
Dear Sir/Madam,

I have been missold policy through Probus Insurance Brokers and shall let you know later that how smartly these people cheat. Already told it in detail over the call and shared emails by them.

I do not want to continue with them and immediately want a refund as it is in the free look up period according to welcome kit.

Please refund the sum amount of Rs 144000 Rs to:

Ref No: 18565617 with Policy No: 18565617 Client Id: 43703833 with Premium of Rs 144000 incl tax with issued date of 29th July 2016.
Please reimburse at:
Account holder name: Mrs. Naima Parveen
Bank Name: State Bank of India
A/c No: [protected]
IFSC Code: SBIN0001526
Branch Address: Aminabad Lucknow.

Please take strict action and I shall mark statements in the FIR against Probus who are using your name and also planning to move to the council and IRDA. This Probus is headed by Ms. Seema Goel and Mr. Narendra Kumar Aggarwal (Directors) and complaint is against their fraud employees namely Mr. Rohit Chaudhary, Mr. Anurag, Mr.. Ansh Gujral and Mr. C Rajput.

--
Kind Regards,
[protected]---
Khalid Hasan.
ESSAR Oil Limited.
Noida, India.
Territory Sales Manager - Business Development.
+91-[protected].

LinkedIn ID: http://www.linkedin.com/pub/khalid-hasan/35/b29/304
Skype ID: khalid.hasan750

P Please consider your environmental responsibility: Before printing this e-mail, ask yourself whether you need a hard copy!
This e-mail including any attached files, may contain confidential and privileged information for the sole use of the intended recipient. Any review, use, distribution or disclosure by others is strictly prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and delete all copies of this message. Thank you.
Internet communications cannot be guaranteed to be timely, secure, error or virus-free. The sender does not accept liability for any errors or omissions.

--
Kind Regards,
[protected]---
Khalid Hasan.
ESSAR Oil Limited.
Noida, India.
Territory Sales Manager - Business Development.
+91-[protected].

LinkedIn ID: http://www.linkedin.com/pub/khalid-hasan/35/b29/304
Skype ID: khalid.hasan750

P Please consider your environmental responsibility: Before printing this e-mail, ask yourself whether you need a hard copy!
This e-mail including any attached files, may contain confidential and privileged information for the sole use of the intended recipient. Any review, use, distribution or disclosure by others is strictly prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and delete all copies of this message. Thank you.
Internet communications cannot be guaranteed to be timely, secure, error or virus-free. The sender does not accept liability for any errors or omissions.

Connect With Us On HDFC Life Insurance - Twitter HDFC Life Insurance - YouTube HDFC Life Insurance - Linkedin HDFC Standard Life Insurance - Google plus

Please do not print this email unless it is absolutely necessary
Product Disclaimer "Insurance is the subject matter of the solicitation. For more details on risk factors, associated terms and conditions and exclusions please read the product brochure before concluding a sale. This Signature is not proof of any contract with HDFC Standard Life Insurance Company Limited. HDFC Life Click 2 Protect Plus (Form No. P501 – 123, UIN-101N101V01) is a traditional non-participating term insurance plan offered by HDFC Life. HDFC Standard Life Insurance Company Limited is the name of our Insurance Company, HDFC Life is the name of our brand and HDFC Life Click 2 Protect Plus, UIN-101N101V01 is the name of the plan. The name of the company, name of the brand and the name of the plan do not in any way indicate the quality of the plan. HDFC Standard Life Insurance Company Limited. IRDAI Registration No. 101. ARN No: MC/08/2014/5155. CIN : U99999MH2000PLC128245."
DISCLAIMER"This message is intended solely for the use of the individual or entity to whom it is addressed. It may contain confidential/ privileged information protected by law. If you are not the intended recipient, you are not authorized to read, print, retain, copy, disseminate, distribute, use or rely on this message or any part thereof. If you receive this message in error, please notify the sender immediately and delete all copies thereof. HDFC Standard Life Insurance Company Limited is not liable for any improper and/or incomplete transmission of this message or for any damages caused due to the same."

--
Kind Regards,
[protected]---
Khalid Hasan.
ESSAR Oil Limited.
Noida, India.
Territory Sales Manager - Business Development.
+91-[protected].

LinkedIn ID: http://www.linkedin.com/pub/khalid-hasan/35/b29/304
Skype ID: khalid.hasan750

P Please consider your environmental responsibility: Before printing this e-mail, ask yourself whether you need a hard copy!
This e-mail including any attached files, may contain confidential and privileged information for the sole use of the intended recipient. Any review, use, distribution or disclosure by others is strictly prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and delete all copies of this message. Thank you.
Internet communications cannot be guaranteed to be timely, secure, error or virus-free. The sender does not accept liability for any errors or omissions.