PNB MetLife — Did not receive my policy amount at the time of policy surrender.

Address:	Lucknow, Uttar Pradesh, 226012
Website:	www.metlife.co.in

This is to inform you that i bought a Metlife policy NO. 20396433 on 13-Aug-2010. I was just ask to pay the policy amount of Rs 50000 and no metlife member ask for any ID PROOF or any Document.
Then no one from metlife came for identification or CROSS CHECK of the document. and then there was a PAN CARD as ID PROOF which was not mine because i was just 14yrs old so i didn't had any ID PROOF.
The policy amount was paid by cheque from BANK OF BARODA A/C which is still running.
Now when i went to surrender my policy, metlife refused to pay the policy amount. MY MOTHER BOUGHT THE POLICY.
Same case is with my SISTER POLICY NO. 20396364.
Any one working in this organization kindly help me to get my policy money back.
THANK YOU