HDFC Life Complaints & Reviews

It is regarding my Policy HDFC Young Star Supreme Suvidha of Rs. 18000 and this Policy has been taken in Feb'10 on HDFC Credit Card in which I had to pay in EMI of Rs.1500 . In 2nd year they asked me for the full premium of Rs. 18000 which I was not able to pay in Mar'11 and as a result so many charges have been levied.

But now I have paid Rs. 18000 as premium but not received any document from HDFC.

My request is to ask them to send the Document for the premium I have peid and also reverse the charges levied for the late payment to the credit card deptt.

For all these things I have visited HDFC Bank branches manier times but they dint resolve it.

Rgds/Vineet
[protected]

Hi,

I guess i have joined the group of investors who were duped by HDFC Standard Life to invest in the Savings Assurance Plan-my attempts to contact the company have drawn a blank..can someone advise me on who else I can approach for a resolution, in addition to the insurance ombusdman?

Thanks

Rajesh

Dt: September 7, 2011

Dear Sir,
Sub: Reporting mis-selling of policy (No.[protected]
This refers to a policy that I purchased from HDFC Standard Life in September 2009 from HDFC Bank in sector 50, Noida branch. Mr. Paritosh Gupta met me in the branch while I had gone for some banking since I hold a savings account with HDFC. Mr. Gupta saw that I had some spare funds and suggested me to invest them. I showed my willingness with the following brief:
1. I would not like to invest in high risk investment. Hence, please do not suggest any equity linked plan
2. My objective is investment and not insurance cover
3. I would need to invest for a short period – 3 to 5 years and no more. Hence I need an early exit option
4. I would like to invest a maximum of Rs. One lakh a year (annual option) even though I had some spare funds at that point of time
Mr. Gupta, alongwith Mr. Anoop Misra suggested me ‘HDFC savings Assurance plan’ with the following information:
a) It is primarily a savings plan and does not involve insurance. Hence, it does not deduct mortality charges
b) It is not equity linked, nor is it pure debt fund. Hence, I could safely assume a return of about 12 to 15%
c) The period of policy is 10 years. However, once I had paid 3 regular premiums, I could choose to withdraw / surrender the policy without any loss. But if done before that, most of my money would be forfeited
d) Since I had spare funds at that point of time, I was suggested to pay a premium of `2 lakhs for the first year for better gains while from second year onwards, I could pay a reduced premium of 50%, i.e. `1 lakh

Now, my first premium was paid on 28th Sept 2009. On 24th September 2010, I went with a cheque of `1 lakh to HDFC Bank branch, Sector 50, Noida. Mr. Anoop Misra met me and said that there was no provision to reduce the premium. Thereafter, he called up someone and said that the premium could be reduced to half only if I had come one month earlier. However, at this stage I have to pay `2 lakhs as premium. Having had no immediate option, I paid the premium of `2 lakhs.
Secondly, another bomb was exploded when he told me that I cannot surrender the policy after 3 premiums. In case I did, most of my money paid will be forfeited.
When asked about Mr. Paritosh Gupta, I was told that he had already resigned from the company, and hence, there is no way anything could be done.
This year, I went to the office of HDFC Life at Krishna Apra Plaza in Sector 18, Noida, well before time (One and a half month before the premium became due). Shock! I was told that this provision in my policy does not exist anymore. Therefore, I will continue to have to pay Rs. 2 lakh as premium. Even in spite of long argument, the persons at the counters refused to help since there was nothing that they could do.
I am beginning to wonder how many more surprises I am going to receive in the course of this policy period.
Let me take this opportunity to point out that I have been banking with HDFC bank and have this bank account with HDFC bank (sector 18, Noida branch) for the last over 8 years. Additionally, I also had a Housing loan of `22.1 lakhs running with HDFC, which I closed last year.
Sir, I demand to know why this mis-selling is being done by a reputed company like HDFC and that too, to an old, loyal and preferred customer. Do consumers have any rights in such matters or we are at the total mercy of such deceitful, fallacious, fraudulent and deceptive touts of respectable companies who for their personal short-term benefits, are willing to extend to any limits even at the cost of the reputation of the company which they are working for?
I hope to receive a practical resolution from you on the matter. I do not want to block my money for such a long period and I would certainly not pay 2 lakhs as the premium this year – which precisely were the premise of my accepting the policy.
Kindly revert urgently.
Thank you

Sincerely


Jayant Budhiraja
Mob: [protected]
e-mail: [protected]@rediffmail.com , [protected]@gmail.com

My wife and I visited the HDFC Krishna Nagar Branch in Delhi to take care of some funds in our Non Resident accounts in late July. While being there, we were introduced to HDFC Life Policy in the name of making investments. The Asst Bank Manager laid out the benefits of the policy and painted the picture green (very green actually). In the end, we were only told about the benefits and the term (period) of the policy, which looked interesting and on the spot we decided to go for it (big mistake!!).

As part of their consumer centric company, they even promised to send the Bank Agent to our home to get the signatures, etc. The agent did come, though a day late than scheduled and wherever he pointed, we just signed and signed. So far so good.

Three weeks after agreeing to buy the policy and issuing the cheque, we received the policy documents. After I went through the "fine" print on the policy, I was shocked to learn the schedule of charges. First of all, these charges or the service terms were not at all told to us. Second, even if I think of ignoring the fact that Bank Personnel conveniently hid the schedule of charges, the charges are not cheap. Just to allocate the NAVs, the bank is charging 4% of the invested amount plus Rs500+ per month of maintenance, administrative, and what-not charges, setting us approximately Rs 10,000.00 back per annum.

We strongly feel that we have been duped by HDFC. Now, when we look back at the discussion, we found the HDFC Bank Personnel very deceptive. Yes, I am stupid for not inquiring about the charges but who would have thought that banks now charge you for your own Life Insurance policy. Last time I bought one, the bank made the money from the money I gave them. Discussing the policy benefits without disclosing such charges is deceitful and is considered a bait-and-switch. We are appalled that the HDFC Bank and their Agents have not been honest with us.

I had immediately written an email to HDFC mentioned in the policy document. I didn't get any response. I wrote again, and also Cc'ed to the Nodal Officer this time. No response again. It has been over a week now. My heart is sinking over the fact that we made an investment of 2 lacs and this amount seemed to be under the water.

I am still figuring out the next course of action. Discontinuing the policy seemed like viable option but the policy contract states heavy fines, further charges, etc. to save us from future trouble and agony. But if that happens, the HDFC would lose all my business and (of course) I will close down all my accounts.

I left my previous job in the month of March 2011 but still i have not receive my PF Form even after taking so many follow up's from United Associates Mumbai Office,so plz provide better service and get me the PF Form asap...
Emp. Code - CGKOR6280.
PF No.- MH/44571/8280.
Contact me ~ [protected]@gmail.com

On 6th March 2008, an ULIP plan was purchased by me for Rs. 10,000 (Annual Premium) through HDFC Standard Life but without any notification of due date of further annual payments, policy was declared to be lapsed and a cheque of Rs. 354.27 was released by HDFC Standard Life after three years of completion of policy which was again without any notification for renewal of the said policy. This is fault at the end of HDFC Standard life that has not disclosed the exact terms and conditions for the policy and had closed the policy without any notifications of due date to deposit policy and had declared the policy as lapsed instead of renewing the policy.

Policy no. for the same is:116891

Beware of these cheaters.....

MR Cheatn from Hdfc standardb life insurance sold a ulip policy to me by way of not defined hidden exp. premium Allocation charge of 30% on premium paid for first two years which is outright expense for us and income for HDFC other admn and chages are extra , it means on the day of investment our investment become 70%. inthis loot IRDA also supporting to cheat public. IT SEEMS MITUALLY THEY ARE PRTNER HDFC AND IRDA. no one is going to hear.

Hi,
My name is Vineet Sinha and I have taken policy HDFC young star which was expired in Feb'11 and a payment of Rs.18000 made for the renewal of this policy in Mar'11 through IVR with the help of Mr. Mayank Agarwal (Paschim Vihar Branch).

Till yet I did not receive any receipt regarding payment and I am continuosly doing follow with HDFC Satandar Life (Paschim Viahr) but they failed to send the receipt for the same.

Without any receipt how I'll come to know whether payment is received by bank or not but the payment is reflecting in my Mar'11 credit card statement. I can not pay blindly the amount appearing in my Credit Card and I am still waiting for the receipt, it is very irresponsible work from HDFC Satandar Life. So many charges levied on credit card and now I am helpless to pay so much amount as a Fine Charges and Late Payment fees.

In this case they are liable to pay the amount I have to pay as Finance Charges and Late Fees etc.

I am doing follow up with them since Mar'11 and now I think it is better to make a complaint against them as they are not bother what is happening with customers.

Please it is my humble request to take action against them,just because of them I am so tensed and not able to pay the payment. Earlier I was paying my all payments on time even you can check, now they are responsible for this irresponsile work and the problem I am facing.


Thanks & Regards
Vineet Sinha
([protected])

RESPECTED SIR,
MY NAME IS SHRUTHI........... My mother NAGARATHNA.C.R had done an investment policy(HDFC CREST) three montha back...after one a month collecting the cheque yhey told that my mom has to undergo medicals, i took her to the medcals after a month i only enquired about the inveatment no one turned up.. again they told that ECG has to be done and told to attend the medcals and we had not received any letter from HDFC they told us to go to the hospital and after going to the hospital they said the letter is must for an medcals..... i recevied letter after 10 days i took my mom to ECG and the repot was normal it has been 15 days we finished all medcals i am not getting any response from them... i was in touch with Mr.MANJUNATH([protected]) who was taking care about the investment and now he is least bothered to reply.. they wont receive the call they say it is 99% over and wont say anything properly.. this is not the way to behave with the customers i need immidiate response for this 50000 is not an less amount... and it's been 3 MONTHS collecting the money.... i am not at all happy with this.... I want to know what has happened to it and if at all it is cancelled i want the money to be settled soon i have put 4 days lave along with my mother to complete all your formalities and medicals... i need an immidiate response...

REGARDS,
SHRUTHI.S([protected])

Hello,

This policy has been force-fully sent to me by the HDFC tele-sales team. They had informed me that the policy instruction manual and papers will be first sent to my address, and thereafter I will receive a confirmation call for activating the policy. Accordingly, I had already requested for a cancellation, however, my HDFC credit card statement [HDFC CC No: [protected]] reflects a payment due of INR 24,000/-. I had called up my HDFC CreditCard department, however, they are saying that they have not received any cancellation request from the HDFC LIFE department. Please understand that I am in a financial crisis and I cannot bear the burden of Rs. 24,000 every year. The policy details and the sales-agent details are mentioned below.

Policy number: 14368221
Name: Mithun Paul
DOB:[protected]
Address: "Pushpak", 26, (old 36), kabi nabin sen road, kolkata 700028.
Nominee: Rimpa Paul
Name of the agent: Ayan Banerjee, Senior Sales Officer, Gillander House, Kolkata, mobile: [protected]
Name of Financial Consultant: Amit Karar, mobile: [protected]



Regards,
Mithun Paul.
email: [protected]@yahoo.com
mobile: +91 [protected]

Proposal 37245 on life of Akshay kapoor denied in sept.2002 but payment
still pending after 9 years.

Dear Sirs,
It has been unpleasant to say that the insurance company is least worried
over the payment to be made to the client,inspite of visiting their Agra
office and reminding them through email.

Even, the insurance ombudsman,UP circle,when asked to take the drastic
action against the insurance co.,responded that it is beyond their
jurisdiction as per their letter dt.16.12.2003. They wrote that the
insurance company has sent me the cheque no. 480665 dt. 30.09.02 for
Rs.2913/-

On the contrary ,no cheques had been sent to us.And that the insurance co.
is misguiding and utilising the amount for their own benefit.
Now, it is my request to you to take the matter with higher authorities and
get me compensated with the principal amount alonwith interest there upon
besides damages.
with regards,
Akshay kapoor,
36, New Lajpat Kunj Marg,
AGRA-282002
Mob. [protected], [protected]

Dear Sirs,

I was stunned to note ,when my father told me about the conditions printed on the policies, as to be very much averse to the interest of the policy holder whereby the entire amount paid by the policy holders as premium ,will go to the pocket of HDFC Life and that the person will be robbed off basically of all his savings.

In case of eventuality,if a person goes for surrender of the policy,he will not get any amount from the first year premium and that for the rest of period ,he will get 50% of the premium and thus he will loss his 27% of the basic amount paid to the insurance company,HDFC life, what to say about the bonus or the interest factor. And when the answer to this querry was sought from the branch, they could not say anything except that we had to apply for surrender value,we will get the response from their Mumbai office.

In my case,

Policy no. commencement date Net premium paid Surrender value

00037240 March 2002 Rs.33840/- Rs.25942/

This way, I have to shell out Rs. 7898/-from the basic amount ,which is almost 23% loss,incurred in taking the HDFC standard life policy, what to say about the bonus or the interest factor.

Is it fair on the part of the HDFC standard life insurance co. or the Government and its regulatory agency to oversee such a situation.

Further no norms are there as to what percentage of deduction or how to arrive at such an amount of surrender value. Its only upto the insurance co like HDFC standard life or HDFC life to pay or arrive at the amount whatsoever they like.

It would be fair on their part to put the slogan SAR KALAM KARA KE MARO instead of SAR UTHA KE JIYO

Moreover, I applied for surrender value on 28.03.2011 but came to know about it on 21.04.2011, a month later. I submitted the documents immdtly on receipt.

But the payment is still awaited, whereas the LIC makes the payment within 3 to 4 days.





Even the other policies of my brothers and sister has been surrendered so that we may be saved from the paws of HDFC LIFE.

What more to write? I will take the matter to the press, even to the consumer forums and the regulatory authority og Government.

Waiting for your response,

Yours truly,

Amit kapoor

36, New Lajpat Kunj, AGRA

Pin 282002

Mob. [protected],

Email: [protected]@yahoomail.com

To,
The Chairman/General Manager
HDFC Standard Life Insurance Company Ltd.
Mumbai.
Through the Operation Officer
HDFC S.L.I.C. Contai Branch.

Sub. - “Complaint against not replying the previous complaint letter”

Sir,
I, the undersigned, a policy holder under your concern bearing the Policy No.[protected] dated on 31.01.10, beg to state that a written application to know the details regarding the
(1) Mr. Champak Bhattarya assured me 7% – 8% Allocation in the 1st year (Supreme Subidha). But in the deed it shows 30%.
(2) He assured me of a special benefit and a covetous gift worth Rs. – 3,500 – 4,000/- against the policy of Rs. – 30,000/- yearly premium which he does not implement so far.
(3) He does not receive my phone call inspite of repeated efforts.
Along with this I begged for taking necessary steps against such deceptive and faulty consultations given by Mr. Champak Bhattachrya, Sales Manager, Contai Branch.
But no response to the said matter is availed still now. It is a matter of sorrow.
So you are requested to kindly take necessary steps to send me the answer in details about the above prayed matter. I hope that I shall receive the reply from your reputed company as early as possible.
I also inform you that the same complaint had been sent to the local branch office but no reply has been sent to me.
Thanking you.

Yours faithfully,

(DIPAK KUMAR MAITY)
Copy forwarded to the –
(I) Branch Manager: HDFC S.L.I.C. Contai.
(II) Territory Manager HDFC S.L.I.C. Kharagpur Branch.
(III) Zonal Manager HDFC S.L.I.C. Kolkata Zone.

My name is Sheetal Rao and I am a working professional.

This is to bring to everyone’s notice the incompetence of the HDFC staff, and the harassment that I have been facing for the last 1.5 months. It is ridiculous how they manage to run behind you when they need to sell you a policy but are least bothered when it comes to extending services.

I hold a pension policy from HDFC (Policy No[protected] for which I have been paying a premium for the of Rs.20000/- for the last few years. Since I was unaware that the premium would be deducted via ECS, I ended up paying the Premium twice - once online (on 9th Jan) and later via ECS deduction (on 10th Jan). I was sent a refund cheque (Cheque Number -798293 dated 20th Jan for Rs.20000/-). I erroneously hand-wrote my account number on the cheque while depositing it in the bank, due to which the cheque was rejected and sent back to me.

I submitted the cheque in the HDFC Standard life Office in Dhole Patil Road, Pune on 19th February 2011, and was assured that a fresh cheque would be sent back to be in 15 days. I have since been following up with the Customer Service[protected], and have called them 7 times (some of the dates that I have recorded are 28th Feb, 14th March, 24th March, thrice on 28th March and 9th April) in the last 1.5 months. They state that the cheque has been received but none have an update or a record of what happened thereafter. I’ve been week after week given assurances that the cheque would be sent across, on multiple occasions been informed that someone would reach out to me – but neither have a heard back from anyone from HDFC, nor have I received the cheque till date.

The last I spoke with the Customer Care, I threatened to lodge a complaint post which I was asked to get in touch with the Branch[protected] directly. I spoke with a lady named Priyanka who assured me that she’d check and get back in 2 hours. As usual, she never did. I called her again in the afternoon and she mentioned that she had passed on a request to process the cheque and I would receive the same the following Tuesday (5th April). It’s 9th April – still no news- and no word from anyone from HDFC.
As a last resort, am putting this up on consumer forums to highlight the callousness of HDFC officials. I will call them again on Monday – since they apparently have a half day at the offices today – and hence people are too busy to entertain their customers on Weekends. I’m hoping that this should do, what all my calls could not. Is anyone from HDFC hearing??

Sub. - “Complaints regarding misinformation and misguide against Mr. Champak
Bhattacharya Branch Sales manager Contai Branch”

Sir,
I have the honour to state the following for your kind and sympathetic consideration.
I am a policy holder under your concern bearing the Policy No.[protected] dated on 31.01.10 under Mr. Champak Bhattacharya of Kharagpur Branch during negotiation he assured me of
(1) 7% – 8% Allocation in the 1st year (Supreme Subidha). But in the deed it shows 30%.
(2) He assured me of a special benefit and a covetous gift worth Rs. - 3500 – 4000/-
against the policy of Rs. - 30000/- yearly premium which he does not implement so far.
(3) He does not receive my phone call inspite of repeated efforts.
I have not got any satisfactory clarification regarding the matter so far.
I, therefore, pray that your highness would be kind enough to look into the matter and oblige.

Thanking you,
Yours faithfully,

(DIPAK KUMAR MAITY)

The date of commencement of my HDFCLIC Policy was 14 July 2010. I was told by the consultant/agent Mr. Nayan Bhowmick that the the annual premium amount of Rs.30000.00 shall be paid through my credit card and then again shall be repaid by HDFC and then shall be paid on monthly basis through my HDFC Credit card. The annual premium amount was paid through my credit card in the month of july itself. However, i was told by the agent not to make...

hon sir
pl help



[protected][protected][protected][protected]

From: SURESH KUMAR GUPTA(PANCH) [mailto:[protected]@gmail.com]
Sent: Friday, October 08, 2010 10:42 PM
To: [protected]@irda.gov.in
Cc: [protected]@hdfcinsurance.com; [protected]@hdfcinsurance.com; miss shalini moondara; Deepak Vyas
Subject: Fw: RE:'HDFCSL=224-416'. /REMINDER 1 [2/2]



Dear sir

in addition to my following request pl note following points more

1. i am regularly approaching to Grievance team as well as higher legal dept also but they are not responding the same

2. grievance dept has taken decision in my request.

1. to approach the AGENCY DEPT, BUT agency dept has not replied me any single word

2. toapproch to consultant corner, but the cc corner team has not replied a singal word

3. to approach my local branch manager i.e. BALOTRA , BUT SIR, my termination has been taken on the compliant of my branch office false and base less compliant.

4. i am regularly demanding my appointment letter/welcome letter when i joined the HDFC SLIC, AFTER PASSED YOUR EXAMINATION BUT NOT SENT till today

5. after that i have requested to provide this documents from you UNDER RTI ACT AND ALSO REQUEST HDFC SLIC CEO ALSO

I have served 4 years and 6 months at HDFC SLIC AND A DEEP CONSPIRES HAS BEEN TAKEN FROM HDFC SLIC TO NOT TO GIVEN ME THE RENEWAL COMMISSION

6. MY Branch Manager has lodged a FALSE F.I.R. in POLICE STATION BALOTRA AND POLICE HAS AWARD ME F.R.

7. A BIG FIRE AND THEFT HAS BEEN DONE IN THE BALART BRANCH OFFICE ALSO.

Regards

suresh kumar gupta

code 00041214

TERMINATED ADVISOR

MOBILE [protected]

----- Original Message -----

From: SURESH KUMAR GUPTA(PANCH)

To: IRDAComplaints

Sent: Friday, October 08, 2010 3:57 PM

Subject: Re: RE:'HDFCSL=224-416'. /REMINDER 1 [2/2]





----- Original Message -----

From: IRDAComplaints

To: 'SURESH KUMAR GUPTA(PANCH)'

Sent: Friday, October 08, 2010 12:20 PM

Subject: RE: RE:'HDFCSL=224-416'. /REMINDER 1 [2/2]



Dear Sir/ Madam,

We acknowledge your mail.

As we found incomplete information to register your complaint. Kindly requesting to send the complete details in the below mentioned format.


* Mandatory Fields

*Name of Complainant
Mr./Ms. SURESH KUMAR GUPTA

Communication Details


Door No./ Bldg/Name/ Floor
HOUSE NO 6

Street / Area
RAWALI GALI, OPP STREET OF ELOJI

*City/Town/Panchayath/Village
BALOTRA/BALOTRA/PACHAPDRA

Taluk/Tehzil
PACHPADARA

District
BARMER

*State
RAJASTHAN

*Pin Code
344022

* E- Mail
[protected]@gmail.com

Telephone No
+[protected]

*Mobile No
+91 [protected]

Fax No
+[protected]

*Insurance Type (Please mentioned Insurance Type

*Life
* Non Life
LIFE INSURANCE ADVISOR

*Insurance Company Name
HDFC STANDARD LIFE INSURANCE CO LTD

Policy No:
N.A.

Cover Note:
N.A.

Other Reference No:
N.A.

Details of the Complaint (Please type the full details of the complaint)


Dear GRIEVANCE TEAM I AM REGULARLY CALLING TO LOCAL HR ADRIANA MAM BUT THIS NUMBER IS NOT RESPONDING PL PROVIDE ME THE MOBILE NUMBER OF ARADHANA MAM AND INSTRUCT TO DECIDE MY ISSUE AT EARLIEST

Regards

suresh kumar gupta



----- Original Message -----

From: SURESH KUMAR GUPTA(PANCH)

To: Aradhana 45527

Cc: ninad.[protected]@lifeinscouncil.org ; Deepak Vyas ; IRDA GRIEVANCE DEPT

Sent: Friday, August 20, 2010 10:25 AM

Subject: Re: RE:'HDFCSL=224-416'. /REMINDER 1/ reminder 2



Dear Mam

Yesterday i have made a call to your land line numberPh:[protected] , so many times but not responding only one time responding but other mam has informed me that you had out of office. pl give me your mobile number and take appropriate decision and intimate me accordingly.

Regards

suresh kumar gupta

code 00041214

----- Original Message -----

From: SURESH KUMAR GUPTA(PANCH)

To: Aradhana 45527

Cc: ninad.[protected]@lifeinscouncil.org

Sent: Thursday, August 19, 2010 2:44 PM

Subject: Fw: RE:'HDFCSL=224-416'. /REMINDER 1



Dear Mam

Hope that you have understood my issue and do the needful at earliest and oblige.

Regards

suresh kumar gupta

terminated advisor

code 00041214

mobile [protected]

----- Original Message -----

From: SURESH KUMAR GUPTA(PANCH)

To: IRDA GRIEVANCE DEPT

Sent: Thursday, August 19, 2010 11:00 AM

Subject: Fw: RE:'HDFCSL=224-416'. /REMINDER 1





----- Original Message -----

From: SURESH KUMAR GUPTA(PANCH)

To: Aradhana 45527 ; IRDA

Cc: Service ; Grievance ; ninad.[protected]@lifeinscouncil.org ; Deepak Vyas ; IRDA

Sent: Thursday, August 19, 2010 10:56 AM

Subject: Re: RE:'HDFCSL=224-416'. /REMINDER 1



Hon IRDA Grievance cell

The HDFC SLIC HAS NOT GIVING ME PROPER REVERT FROM HIS END, PL INSUTRUCT TO HDFC SLIC TO DO THE NEEDFUL AND OBLIGE.

Regards

suresh kumar gupta

terminated financial consultant

code 00041214

mobile [protected]

----- Original Message -----

From: SURESH KUMAR GUPTA(PANCH)

To: Aradhana 45527

Cc: Service ; Grievance ; ninad.[protected]@lifeinscouncil.org ; Deepak Vyas ; IRDA

Sent: Thursday, August 19, 2010 10:05 AM

Subject: Re: RE:'HDFCSL=224-416'. /REMINDER 1





----- Original Message -----

From: SURESH KUMAR GUPTA(PANCH)

To: Aradhana 45527

Cc: Service ; Grievance ; ninad.[protected]@lifeinscouncil.org ; Deepak Vyas

Sent: Wednesday, August 18, 2010 8:54 PM

Subject: Re: RE:'HDFCSL=224-416'



Dear Mam

i am not employee of HDFC SLIC, I am your MDRT Financial consultant and almost 4 years and 6 months AS per IRDA rules and regulations when 5 yeras complete the company have to pay me he renewal commission but from 01.4.2010 you have terminated me and during this period so many premium has paid but HDFC SLIC HAS NOT GIVEN ME THE RENEWAL COMMISSION

mam

me mera kam puri imandari se karta hun aur kiya hai so please cancel my termination of my Agency code and intimate me accordingly.

Regards

suresh kumar gupta

TERMINATED ADDVISOR

CODE 00041214

MOBILE [protected]





----- Original Message -----

From: Aradhana 45527

To: SURESH KUMAR GUPTA(PANCH)

Cc: Service ; Grievance ; ninad.[protected]@lifeinscouncil.org ; Deepak Vyas

Sent: Wednesday, August 18, 2010 3:29 PM

Subject: Re: RE:'HDFCSL=224-416'



Please provide your emp code & location




With Regards
Aradhana
HR Regional Executive
Ph:[protected]



-----"SURESH KUMAR GUPTA(PANCH)" <[protected]@gmail.com> wrote: -----

To: "Aradhana 45527" <[protected]@hdfcinsurance.com>
From: "SURESH KUMAR GUPTA(PANCH)" <[protected]@gmail.com>
Date: 08/18/2010 12:44PM
cc: "Service" <[protected]@hdfcinsurance.com>, "Grievance" <[protected]@hdfcinsurance.com>, <ninad.[protected]@lifeinscouncil.org>, "Deepak Vyas" <[protected]@hdfcinsurance.com>
Subject: Re: RE:'HDFCSL=224-416'

Dear Mam

Thank you very much for your immedite reply. i very humbly request your honor that my termination has illlegal and i have raised the followingf quesions which is in this mail i am again sending you.this is question raised to grievance team and grievance team and instruct me to approch you to canel my illlegal termination. Due to my ternination my so many clinets has writtten a letter to company but no reply from the copany so please cancel my illlegal terminaton to aviod any legal action in the compitent cour of low. HDFC will be fully responsilble for the same.

I Strongly hope that you will sure justified decession and in the interest of hdfc and client and me taken and intimate me accordingly.

Regards

suresh kumar gupta

[protected]

Dear Grievance Team

>>> I m regularly follow up with you to deceide my issue and as per my

>>> request

>>> you have asked me to approach the agency dept , but almost long time has

>>> gone

>>> but agency department has not revert any reply from my mail.

>>> pl check my previous mail and instruct to agency dept to decide my case.

>>> if

>>> there is no any reply within the 7 days from the date of this mail i

>>> have no

>>> pother option but to take some legal action in the competent court of

>>> low

>>> you will be fully responsible for the same

>>> i am giving my issue again

>>> 1. in termination letter you have written me that MENE MERE OPERATION

>>> OFFICER KO PITA HAI, jabki aisi koi bhi ghatana nahi hui thi, agar mene

>>> pita

>>> hota to us samay gaurd kya kar raha tha, gurad ne police ko kyon nahi

>>> infrom

>>> kiya. its clear that that allegation is totally white lie.

>>> 2.My branch manager MR lokesh chaudhary has lodge a false F.I.R. in

>>> POLICE

>>> STATION BALOTRA, AND POLICE has found this F.I.R. FOUND FALSE AND AWRD

>>> F.R.

>>> TO ME

>>> 3, SMT SONIA GAUR is the advocate of MR.lokesh chaudhary and she is the

>>> wife

>>> of operation officer mr.HITESH GAUR

>>>

>>> I have already serve you as advisor more then 4 years and 6 months and

>>> deep

>>> conspiracy to not to receive renewal commission from your end.

>>> as per IRDA notification if i will leave the HDFC SLIC i should inform

>>> my

>>> all the clients and written consent to leave the HDFC SLIC, if you have

>>> terminate me you should also intimate my all the clients but you have

>>> intimate my clients after one and half months of termination.its clear

>>> that

>>> some thing has wrong happened with me

>>> and suffering my valued client also. my some of clients has raised the

>>> reason of my termination but yet to receive any proper reply.

>>>

>>> i strongly hope that you will sure take appropriate decision in the

>>> interest

>>> of HDFC SLIC, CLIENTS AND ME ALSO

>>> Regards

>>> suresh kumar gupta

>>> code 00041214

>>> mobile [protected]

>>>

>>

>

o

----- Original Message -----

From: Aradhana 45527

To: SURESH KUMAR GUPTA(PANCH)

Cc: Service ; Grievance ; ninad.[protected]@lifeinscouncil.org ; Deepak Vyas

Sent: Wednesday, August 18, 2010 10:27 AM

Subject: Re: RE:'HDFCSL=224-416'



What is the query please clarify




With Regards
Aradhana
HR Regional Executive
Ph:[protected]



-----"SURESH KUMAR GUPTA(PANCH)" < [protected]@gmail.com > wrote: -----

To: < [protected]@hdfcinsurance.com >, < [protected]@hdfcinsurance.com >, < [protected]@hdfcinsurance.com >
From: "SURESH KUMAR GUPTA(PANCH)" < [protected]@gmail.com >
Date: 08/18/2010 10:09AM
cc: < ninad.[protected]@lifeinscouncil.org >, < [protected]@hdfcinsurance.com >
Subject: Re: RE:'HDFCSL=224-416'

Dear Venkatarishanan

That MR. Akshay pratap shekawat has leave the hdfc and as per JODHPUR TM MR. DEEPAK VYAS MOBILE NUMBER [protected],he has give me the mail id of ARAHDAHANA MAM AND I AM FORDING THIS MAIL TO ARADHANA TO TO THE NEEDFUL AND OBLIGE.

aside ARADHANA MAM

pl read my issue and solve the same. and intimate me accordingly .

suresh kumar gupta

code 00041214

TERMINATED ADVISOR

----- Original Message -----

From: [protected]@hdfcinsurance.com

To: SURESH KUMAR GUPTA(PANCH)

Sent: Tuesday, August 17, 2010 4:59 PM

Subject: RE:'HDFCSL=224-416'



Dear Mr. SureshKumar Gupta,



Greetings from HDFC Standard Life Insurance Co. Ltd!

With regard to your e-mail, please find the contact details of the Balotra branch HR Mr. Akshay Pratap Shekhawat for further assistance in this regard.

[protected]

[protected]

We hope to have resolved your query.

We assure you the best of our services always.

Warm Regards,

Venkatakrishnan

Customer Service Officer

********************************************************************************...⇄

For any further queries or clarifications, please contact us through any of the following modes:
Call us toll free on[protected]BSNL/MTNL) or[protected]Any Phone)
Send us a call back request- sms SERVICE to 5676727
Email us at [protected]@hdfcinsurance.com

Policy details are just a click away! Register for “ My Account” on www.hdfcinsurance.com . Just provide us with your Client ID/Policy No., Mobile No. & E-mail ID & get your account activated!

********************************************************************************...⇄ "

GET PREMIUM RECEIPTS. ” To register-> click here-> https://cp.hdfcinsurance.com/CPWeb/ ********************************************************************************...⇄

Regd . Office: Ramon House, H.T Parekh Marg, 169, Backbay Reclamation, Churchgate, Mumbai-400020.

-----Original Message-----
From: SURESH KUMAR GUPTA(PANCH) ( [protected]@gmail.com )
Date: Saturday, August 14, 2010 02:25 PM
To: ninad.[protected]@lifeinscouncil.org ( ninad.[protected]@lifeinscouncil.org )
Cc: [protected]@hdfcinsurance.com ( [protected]@hdfcinsurance.com )
Subject: Fw: pl help as HDFC SLIC HAS NOT GIVING ME PROPER REPLY

Dear sir

I am still to revert the proper reply from the HDFC SLIC, But they are noy

giving me justified reason of my termination.pl help

Regards

suresh kumar gupta

code 00041214

----- Original Message -----

From: "SURESH KUMAR GUPTA(PANCH)" <[protected]@gmail.com>

To: <[protected]@hdfcinsurance.com>

Sent: Saturday, August 14, 2010 2:09 PM

Subject: Fw: pl help as HDFC SLIC HAS NOT GIVING ME PROPER REPLY

> Dear sir

> pl help me to resolve my issue sir as the grievance dept has instruct to

> agency dept to resolve my issue one month before but no any revert from

> agency dept and pl also provide me the mail id of your Grievance dept team

> Regards

> Suresh kumar gupta

> termianted advisor

> code 00041214

> mobile [protected]

>

>>

>>>

>>> Dear Grievance Team

>>> I m regularly follow up with you to deceide my issue and as per my

>>> request

>>> you have asked me to approch the agency dept , but almost long time has

>>> gone

>>> but agency department has not revert any reply from my mail.

>>> pl check my previous mail and instruct to agency dept to decide my case.

>>> if

>>> there is no any reply within the 7 days from the date of this mail i

>>> have no

>>> pother option but to take some legal action in the competent court of

>>> low

>>> you will be fully responsible for the same

>>> i am giving my issue again

>>> 1. in termination letter you have written me that MENE MERE OPERATION

>>> OFFICER KO PITA HAI, jabki aisi koi bhi ghatana nahi hui thi, agar mene

>>> pita

>>> hota to us samay gaurd kya kar raha tha, gurad ne police ko kyon nahi

>>> infrom

>>> kiya. its clear that that allegation is totally white lie.

>>> 2.My branch manager MR lokesh chaudhary has lodge a false F.I.R. in

>>> POLICE

>>> STATION BALOTRA, AND POLICE has found this F.I.R. FOUND FALSE AND AWRD

>>> F.R.

>>> TO ME

>>> 3, SMT SONIA GAUR is the advocate of MR.lokesh chaudhary and she is the

>>> wife

>>> of operation officer mr.HITESH GAUR

>>>

>>> I have already serve you as advisor more then 4 years and 6 months and

>>> deep

>>> conspiracy to not to receive renewal commission from your end.

>>> as per IRDA notification if i will leave the HDFC SLIC i should inform

>>> my

>>> all the clients and written consent to leave the HDFC SLIC, if you have

>>> terminate me you should also intimate my all the clients but you have

>>> intimate my clients after one and half months of termination.its clear

>>> that

>>> some thing has wrong happened with me

>>> and suffering my valued client also. my some of clients has raised the

>>> reason of my termination but yet to receive any proper reply.

>>>

>>> i strongly hope that you will sure take appropriate decision in the

>>> interest

>>> of HDFC SLIC, CLIENTS AND ME ALSO

>>> Regards

>>> suresh kumar gupta

>>> code 00041214

>>> mobile [protected]

>>>

>>

>



"HDFC Standard Life has been awarded as India’s Top 50 ‘Best Companies to Work For’ in 2010 , In a study conducted by Great Place to Work® Institute , India in partnership with The Economic Times. "
********************************************************************************...⇄
Please do not print this email unless it is absolutely necessary

********************************************************************************...⇄
DISCLAIMER The information contained in this communication is intended solely for the use of the individual or entity to whom it is addressed and others authorized to receive it. It may contain confidential or legally privileged information. If you are not the intended recipient you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this information is strictly prohibited and is unlawful. If you have received this communication in error, please notify us immediately by responding to this email and then delete it from your system. HDFC Standard Life Insurance Company Limited is not liable for any improper and/or incomplete transmission of the information contained in this communication or for any delay in its receipt or for any damage caused by malicious code or alteration by any third party. The contents of this email do not necessarily represent the views or policies of HDFC Standard Life Insurance Company Limited
********************************************************************************...⇄





"HDFC Standard Life has been awarded as India’s Top 50 ‘Best Companies to Work For’ in 2010 , In a study conducted by Great Place to Work® Institute , India in partnership with The Economic Times. "
********************************************************************************...⇄
Please do not print this email unless it is absolutely necessary

********************************************************************************...⇄
DISCLAIMER The information contained in this communication is intended solely for the use of the individual or entity to whom it is addressed and others authorized to receive it. It may contain confidential or legally privileged information. If you are not the intended recipient you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this information is strictly prohibited and is unlawful. If you have received this communication in error, please notify us immediately by responding to this email and then delete it from your system. HDFC Standard Life Insurance Company Limited is not liable for any improper and/or incomplete transmission of the information contained in this communication or for any delay in its receipt or for any damage caused by malicious code or alteration by any third party. The contents of this email do not necessarily represent the views or policies of HDFC Standard Life Insurance Company Limited
********************************************************************************...⇄





"HDFC Standard Life has been awarded as India’s Top 50 ‘Best Companies to Work For’ in 2010 , In a study conducted by Great Place to Work® Institute , India in partnership with The Economic Times. "
********************************************************************************...⇄
Please do not print this email unless it is absolutely necessary

********************************************************************************...⇄
DISCLAIMER The information contained in this communication is intended solely for the use of the individual or entity to whom it is addressed and others authorized to receive it. It may contain confidential or legally privileged information. If you are not the intended recipient you are hereby notified that any disclosure, copying, distribution or taking any action in reliance on the contents of this information is strictly prohibited and is unlawful. If you have received this communication in error, please notify us immediately by responding to this email and then delete it from your system. HDFC Standard Life Insurance Company Limited is not liable for any improper and/or incomplete transmission of the information contained in this communication or for any delay in its receipt or for any damage caused by malicious code or alteration by any third party. The contents of this email do not necessarily represent the views or policies of HDFC Standard Life Insurance Company Limited
********************************************************************************...⇄

*Have you Approached Insurance Company Regarding This Grievance (If Yes Provide Ref No )
SO MANY TIMES PL SEE ALL THE ABOVE MAILS COMPANY INTENTION IS NOT CLEARED AND MY TERMIANATION HAS MADE WRONGLY I HAVE ALREADY SERVED 4 YEARS AND 6 MONTHS A DEEP CONSPERNCY HAS BEEN TAKEN BY COMPANY BEACOUSE NOT TO GIVE ME THE RENEWAL COMMISSON , IF 5 YEARS HAS COMPLITED COMPANY WILL HAVE TO PAY ME THE RENEWAL COMMISSION AND DUE TO SAME MY SO MANY CLIENTS POLICY HAS BEEN LAPSED DUE TO LAKE OF SERVICES.

I STRNGLY HOPE THAT YOU WILL SURE TAKE APPROPRIATE DECESSION IN FAVOUR OF ME AND OBLIGE.






Regards,

Consumer Affairs Department

IRDA

Basheerbagh

Hyderabad





-----Original Message-----
From: SURESH KUMAR GUPTA(PANCH) [mailto:[protected]@gmail.com]
Sent: Thursday, August 19, 2010 11:00 AM
To: IRDA GRIEVANCE DEPT
Subject: Fw: RE:'HDFCSL=224-416'. /REMINDER 1 [2/2]



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The information contained in this electronic message and any attachments to this message are intended for the exclusive use of the addressee(s) and may contain proprietary, confidential or privileged information. If you are not the intended recipient, you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately and destroy all copies of this message and any attachments contained in it.


The information contained in this electronic message and any attachments to this message are intended for the exclusive use of the addressee(s) and may contain proprietary, confidential or privileged information. If you are not the intended recipient, you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately and destroy all copies of this message and any attachments contained in it.

My name is Seemeen.
I had policy called Suvidha Plus from HDFC life Insuramce.
I had surrender my policy on 13th august and til date they had not issue me a cheque. However as per there rule i should receive cheque within 10 days.
Everytime i had follwed up to HDFC people.They never shown intrest whethe customer's need. after 15 days when i enquired they said its courier to your address on 27th of August you wil get within a week after courier. I waited for a week, but still i have not mreceived teh cheque. Then again I had enquired in customer care on 7th of september, they said its deliverde to you and you have received it. I was very shocked that i had not received cheque then who has taken. Then i told them that i have not received. They checcked and confirm that its delives to sombpdyelse and we are sory for that. But just saying a sorry will not solve your proble. How people workng in such a Brand can be so irresponsible. They said they will recall and send it back to me. But there was another issue. They had printed wrong name on the cheque. Again i had complaint on 17th of september 2010. And they said i wil get it maximum within 7 working days. But still till date i.e. on 29th of september 2010 i have not received cheque. Whole day i tried to call in branch but these peole they even dont pick up the call. When i had complaint in customer care about this senario they said that might be they are busy so thats why they dont pick up the cal.
How sily and its very rediculous.
I can say one thing for HDFC Life Insurance" Naam Bade Aur Darshan Khote"
Very bitter experience for me atleast. The prpose why i had surrender the policy finaly not resolved. I wanted that amount as i was in need. But thse people thay dont have mnners how to speak with customer.
One thing i can say, if you want to take policy hen they will give you call several time in a day, but when it comes to refund the money they are just Bullshettt!!!

Respected Sir,

My name is Swagata and I lived in Guwahati,Assam before I moved to USA in 2000.During my visit to India in Feb 2010,I went to HDFC Kolkata and one employee named Kaushik Basu missold me a HDFC savings assurance plan.What was explained to me is completely different from what the policy is.I was told to put a high first year premium so that the sum assured would be high at the end of 10 years and I could go for a very minimal premiun from the second year onwards.I did not know that his main intention behind this was to get a huge commission of around 50%.I signed up for 4 lakhs /annum premium.Moreover, he asked me to put my India address which I did and put my Guwahati ,assam addess since he knew that I would get the policy papers way after cancellation time for the policy has passed.Ever since I received the papers,I have been trying to cancel the policy but of no use.They are selling policy with deceptive tactics.Please stop such policies being sold in the market.


Now after loding a complaint with IRDS,it was forwarded to HDFC bank for investigation.Why would the agent who missold me the policy want to give up his commission.So they decided not to refund the money.If I cannot get my money back,I can atleast warn other to STAY WAY FROM HDFC BANK.I may be contacted at [protected]@yahoo.com






Thanks

Swagata Dev

[protected]

Dear Sir, Dated : 27.07.2010

Sub:- Misseling and Refusal for Refund

Reg:- HDFC Insuranc Plan Vide Policy No. 13436854 in the name of
Mr. Dhruv Sharma R/o 497/2, Randhir Lane, Karnal

I am Dhruv Sharma and I hereby formally wish to refer my complaint NO. 103038 & Query Ref. No. T05560781 regarding subject above for selling insurance thru unethical and unfair means &...