Preventive Health Plus India — misappropriation of money, cheating, non-refund

Address:	Gautam Buddh Nagar, Uttar Pradesh, 201301
Website:	www.phpi.in

Sub.: complaint against mr. Deepak nagar (Proprietor) mr. Rahul nagar (Accountant), mr. Yogesh yadav (Sales manager) mr. Vikas (Customer relationship manager), mr. Ashish (Front office executive), mr. Jatin (Field coordinator), working with m/s. Preventive health plus india, d-63, sector-2, noida – 201301 (Up), india

Sir,
This is to bring to your kind attention some kind of fraudulent practices adopted by a company by name “preventive health plus india” (Phpi), d-63, sector-2, noida – 201301 (Up) india (Website: www.phpi.in & email: [protected]@phpi.in / [protected]@phpi.in), to collect money from people in the name of providing preventive healthcare services to customers who joined the company’s “healthcare schemes/plans”.

2. I was introduced to this company’s “phpi gold plan” worth rs.10, 500/-, by one mr. Yogesh yadav (Sales manager) through a phone call he made on[protected]. Under this scheme on offer, a customer can purchase a “preventive healthcare plan” after paying the required “one-time fee” and then get eligible for reimbursement for out patient department (Opd) consultation charges and other related medical expenses on the basis of pre-issued cash coupons/vouchers that carry a specific monetary value in the range of rs.500/- and rs.300/- under various expense heads.

3. Phpi claimed that they offer this plan for a-four-member-family for two years. After incurring medical expenses, a customer need to send scanned copies of all relevant medical documents, including prescriptions and related bills to phpi online in order to claim reimbursement of medical expenses on the basis of cash coupons issued in advance. And after verification of medical documents submitted, the company will credit reimbursement expenses into a customer’s bank account directly within 48 hours. Moreover, as incentives to customers to promote their scheme, the company will initially provide a customer with a set of promotional diagnostic instruments like bp monitor, glucometer and body massager etc free of cost as gifts along with a “welcome kit” package later.

4. Seeing that the “scheme” is good in terms of long-term benefits, and on the basis of my four-member-family’s medical expenses to be incurred in the immediate future, i purchased this company’s preventive healthcare plan, namely “phpi gold plan” worth rs.10, 500/-, the actual face value of which is rs.41, 200/- as mentioned by the company on their website. The company offers this plan on discounted rate in order to promote their business. I paid the above amount to phpi vide my indian bank cheque no.297904, dated[protected] against application ref. No.001219, dated[protected] and on the basis of which the phpi later issued to me customer ids such as phpi1219b, phpi1219c, phpi1219e & phpi1219f. (Relevant documents enclosed)

5. I realized my folly only after purchasing this plan because i found later that the sales team that promised excellent after sale services for 24 hours never turned up to answer my queries after funds were credited to their company’s bank account. Thus, having been felt cheated by the company, i returned the company’s “welcome kit” (Which i received after 15 days of purchasing the plan) so that i could get refund as per the company’s policy.

6. The welcome kit itself was the first deception since it was without any free promotional instruments like bp monitor, glucometer and body massager, as assured by the company.

7. The second deception was revealed when they sent me the details of refund amount. Out of rs. 10, 500/-, they deducted rs.3, 390/- in the name of “processing fee” and the balance payable to me is rs.7110/-, the payment of which will be made within 45 working days, according to the terms of the company.in fact, the company’s sales team never told me these things at the time of purchasing the plan. They promised that 100% refund would be made in case i return the plan.

8. Meanwhile, i contacted company executives several times by email and phone calls in order to get my refund. However, following my repeated enquiries and numerous reminders on a daily basis, they only promised that they would process my refund on priority basis and asked me to wait for more time. (Relevant email communications are enclosed).

9. Subsequent to my constant follow up on this matter, by 20 august 2017, i was able to get in touch with mr. Rahul nagar, who manages company’s accounts. He understood my concerns and promised to help me out and issued a cheque for rs.7110/- vide cheque number 073614, dated[protected] from the company’s bank of maharashtra, greater noida branch (Ifs code :mahb0001294) account number ([protected]) and dispatched the same to me through overnite courier agency’s docket number k [protected], dated[protected]. He made it clear that the cheque would be honored when submitted for encashment.

10. Unfortunately, the above cheque was dishonoured by the bank of maharashtra on 14/11/2017 due to insufficient funds and i my bank debited my account for rs.250/- towards bouncing charges. This is the third deception.

11. After this tragedy, i contacted mr. Rahul nagar numerous times on his mobile number [protected] and after a couple of initial responses assuring commitment for honoring my dues, he became silent and cut off all communication with me permanently. At present, no one from phpi answers my queries. I keep sending them reminders by mail, sms and phone calls, but there is no response from the concerned people as yet.

12. Moreover, yet another serious issue surrounding this company is that they are collecting customers debit card/credit card details in the pretext of transferring funds to customer’s account thorough some payment gateway channels. They are operating a call centre for this purpose on landline number[protected] and mobile nos. [protected] & [protected]. Their modus operandi appears to me as very dubious because they had claimed that needed only customer’s bank account details to transfer funds, not debit card/credit card details. From the above, i feel that they are running a syndicate to grab people’s money in the name of preventive healthcare services. This is the fourth deception

13. As of now, almost 5 months have been over ever since i paid rs.10, 500/- to phpi. They were making hollow promises and was asking me to wait indefinitely ever since i made request for refund. From the above, it is certain that phpi have no intention to refund my money and avoid answering all my telephone calls and emails. Their contact mobile numbers are either not reachable or out of service now. There are couple of complaints have already been registered about this company in online customer complaint forums.

14. Since i feel that they have no intention to return the money, i am making this petition on the basis of above-mentioned clear facts and chain of events to register my complaint against this company and the people behind it. The detailed chain of events that led me into this mess and financial loss are mentioned separately in the attached note. I also enclose all relevant documents to substantiate my claim in this regard.

15. Therefore, through this petition i humbly request your kind intervention to look into this matter so that my grievances are redressed at the earliest. Since i have already met all their requirements for refund, including returning all documents to the company in accordance their policy, i would like to get my money refunded at the earliest.

16. It is also my humble request that, the people manning this syndicate or similar set-ups operating under the umbrella of facilitating preventive healthcare services to potential customers in the country in a dubious manner, should never be able to take others for a ride in future. The activities of such fraudulent operators need to be investigated immediately and brought the fraudsters to book so as to prevent them from causing further damage to general public in terms of monetary and misinformation.

Thanking you,
Yours faithfully,
(Aniyan t. R.)

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Organizational & contact details of the company

1. Company’s name & address: preventive health plus india
D-63, sector-2, noida – 201301 (Up) india
2. Company’s contact no. Mentioned on website and application form earlier : [protected]Non-operational now)

3. Company’s contact number mentioned on invoice : [protected]Non-operational now)
4. Company’s website: www.phpi.in

5. Company’s contact e-mail ids : [protected]@phpi.in / [protected]@phpi.in

6. Company’s owner’s name: mr. Deepak nagar (Proprietor) mob. [protected], never reachable)
7. Accounts department head: mr. Rahul nagar (Mob. [protected] /) active now
8. Company’s customer relationship manager: mr. Vikas (Mob.[protected]) (He is looking after company’s email correspondence)
9. Name of sales manager: mr. Yogesh yadav (Mob.[protected] / [protected]). (This numbers are not reachable now)
10. Name of field co-coordinator: mr. Jatin (Mob.[protected])
(This number is not reachable now)
11. Name of field executive: mr. Mukesh, dtdc courier delivery boy (Mob.[protected]) (This number is being used by another courier staff now)
12. Name of help desk executives: mr. Ashish, mr. Vinay & mr. Rohit khanna (Mob.[protected] /[protected]These numbers are not reachable now)
13. Account verification call centre number: [protected]Incoming calls are debarred from receiving & used ask details of debit/credit cards)
14. Other contact mobile numbers used by phpi team: [protected] / [protected] (These numbers are used by multiple people)