Barclays
Loan and insurance

To,

The Manager/Team Leader.

Operations.

AEGON Religare Life Insurance Company Limited.

Mumbai.

Respected,

This is to inform you that I have applied a personal loan of amount 50, 000/- from Barclays Bank Ltd. Gurgaon On 02nd December and the procedure was going through without any interruption as all the legal documents like ID proof, address proof etc. for Personal Loan has been provided to Mr. Vaibhav of Barclay Bank Ltd. I have also given a cheque (Cheque Number 593935 of CITIBANK) of 12, 000/- to AEGON Religare Life Insurance Company Limited (Policy Number 091211170847) for insuring the loan amount as informed by the Bank advisor, the cheque has been withdrawn from the Citibank account on 4th December without prior information given to me as the Bank advisor informed me that when the cheque would be represented then I would be getting confirmation call from either Barclays bank Ltd. Or AEGON Religare Life Insurance Company Limited but I haven't received a call from any either. The Bank Advisor has only given me the Barclays bank Ltd form for personal Loan and asked me to go through the papers and attest it with the signature and I have done so but the Bank Advisor neither given me the AEGON Religare Life Insurance Company Limited form to put my approval and sign on nor any declaration form.

I have been continuously calling the Bank Advisor for updates regarding the Loan Amount and he has been continuously giving false excuses like he had gone for holidays or the person who was taking care of my file was on leave and then on 31st December he called me and informed me that one of the Bank Representative would come and collect the ECS (Loan amount cheques for Security) and nobody called me and he also not answered the phone. I have been pursuing him for last 20 days for a reference number from Barclays Bank or AEGON Religare Life Insurance Company Limited so that I could understand or track the status of the process, he didn't provided anything and he also informed me that insurance paper would have been received at my permanent address and when I called at my permanent residence there is no paper received by any of the family member. Since 1st January I have been calling and also messaging the Bank Advisor and he didn't receive the phone or answered my messages and he informed me that he is not at town and would be calling me but no answer was appreciated from his side so I decided that I would not be availing the Loan Amount from Barclays Bank Ltd. I called AEGON Religare Life Insurance Company Limited Customer Care and had a word with Customer Service Representative named as Pallavi on 04th January and I logged a complaint for the same that I haven't received any insurance paper and also Barclays hasn't done my work, she explained me the procedure and also she reconfirmed some information like The name, Address, Date of Birth and Phone Number, however she provided me the Policy number. She confirmed the Phone number mentioned on the Form which doesn't belongs to me and the signature on the Insurance declaration form also doesn't belongs to me because I have agreed to terms and conditions for Barclays bank Ltd but not for AEGON Religare Life Insurance Company Limited, as I didn't receive any form from the Bank Advisor.

The mentioned reasons and actions executed from Barclays Bank Ltd. And AEGON Religare Life Insurance Company Limited can be easily observed as a Fraud Transaction.

The Insurance was done for securing the Loan amount as per Barclays bank Ltd. But the amount has not been released and I haven't received any insurance paper stating the Loan amount, Therefore, I request you to please refund the Insurance amount which AEGON Religare Life Insurance Company Limited has received.

Regards.

Sandeep Sen

Policy Number: 091211170847

CC to:

1.The Reserve bank Of India, New Delhi.

2.Barclays Bank PLC, Mumbai.

3.New Delhi State Grievance Cell, New Delhi.