Hdfc life insurance
Not cancelling the policy and refunding the amount

Sir, I had taken a policy on Aug. 24th 2010 but I was handed over the policy document nearly after nine months that too after many repeated reminders. According to the policy document if the client is not happy with the terms and conditions of the policy he or she is free to cancel it within fifteen days of the recepit of the policy document. I surrendered the policy within fifteen days of the receipt of the policy document. Now the company tells that I have not applied for cancellation. The cancellation request has been done twice by courier and through registered post. Now they say that the address in the policy document was wrongly given. Infact it is a clerical error commited by the company, Terms and conditions mentioned in the policy document is not same as they explained. Why should the clients suffer for their mistakes? Interestingly, they never reply to emails or phone calls. Kindly help me to get my money refunded. My policy detailsare the following-

Name&Thomas John Pottananickal

Policy Number--13869590

D.O.B--08-07-1966

Premium paid&20, 000.00