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 & reply thereof sent through mail from [email protected].
In this regard my submissions in brief are as under.
1. That I am Dhruv Sharma Permanent Resident of 497/2, Randhir Lane, Karnal.
2. That my mother Smt. Vijay Sharma Widow of Late Sh. Yoginder Parkash Sharma also resides with me.
3. That my mother had got a account opened with HDFC Bank, Kunjpura Road Branch, Karnal, vide Account No. 01951930013745. (copy enclosed)
4. That my mother deposited Rs. 1000000 in the said account for obtaining forex card for traveling to USA.
5. That after observing the sound client Mr. Ashwani Staff of HDFC Bank, Sector-8 Branch, Karnal approached me and convinced my mother for opening account in sector-8 branch and transferring the whole amount by promising to provide better services.
6. That my mother got the account opened vide account no. 14341000019235 with sector-8 branch in the joint name of Smt. Vijay Sharma & Mr. Dhruv Sharma (copy enclosed) with good faith.
7. That after some days Mr. Ashwani requested my mother to convert my amount in saving account into FDR due to job’s target pressure and assured her that she will enjoy more interest income than saving account.
8. That my mother converted the amount into three FDR’s of Rs. 250000/- each for one year’s, two year’s & three year’s respectively.
9. That FDR of one year’s and two year’s provided by branch having Deposit account number no. 14344470006599 & 14344470006582 respectively (copy enclosed).
10. That my mother intimated Mr. Ashwani again & again about the non receipt of FDR’s copy of three years, But Mr. Ashwani tried to mislead me by giving various excuses (eg. Request has been put up, I have emailed many times, FDR’s copy will be sent to you after next weak and so on.)
11. That after contacting to branch I came to know that I was issued insurance plan having the premium of rs. 250000/- annually. I talked Mr. Ashwani and other staff of insurance Mr. Dua, Ms. Anshu, Ms. Shivani etc. through telephonic & orally talk because intimation letter of non receipt of policy bond was refused by the branch by making excuses (some copies enclosed.
12. That all the facts shows that that intention was not good of Mr. Ashwani and insurance selling was preplanned.
13. That the investigation carried out by your goodself seems not fair & reflects negligency of your duties which is not expected from your esteemed authority.
In view of above it is apparent that Mr. Ashwani staff of HDFC Bank, Sector-8 Branch, Karnal (Haryana) & other involved employees thereto sold this insurance through wrongful means and unethical practices. I was neither explained any insurance plan nor I gave any consent for the insurance but for FDR for three years. This was deliberately concealed to the client and information for FDR was shared with a view to missell the product. This can be judged on the following grounds:-
1. I had never told about the insurance plan and my consent was taken for FDR for three years of Rs. 250000/-
2. I have not received any policy bond till now despite of intimating Mr. Ashwani (concerned person) and concerned branch times and again and copy of POD provided by insurance branch office does not contain my signature, the signature on POD is fake made by involved employees.
3. The address mentioned on POD of Policy bond mentioned wrong i.e. 499/2, Randhir Lane, Karnal while my real address is 497/2, Randhir Lane, Karnal and the same is also mentioned on bank account statement (copy enclosed).
May I kindly request the Manager of Management of HDFC Bank and Insurance to withdraw policies and arrange to credit my money in my account immediately and take strict action against Mr. Ashwani and other involved staff in the wrong act. Failure of cancellation of policy and reversal of money shall constrained to initiate appropriate legal proceeding against you in competent court of Law.
If my case is not resolved immediately then in addition to the recovery of my capital I may also seek compensation for mental agony and discomfort and lodge FIR against Mr. Ashwani (Main accused concerned person) to be prosecuted under section 420IPC.
Submitted for immediate action please.
Sincerely Yours
DHRUV SHARMA
M; 9813034966
C/C TO :-
1. Grievance Redressal Cell, HDFC Bank Ltd.
2. Insurance Ombudsmen
3. Banking Ombudsmen
4. HDFC Bank, Sector-8 Branch, Karnal
5. HDFC Standard Life Insurance, Kunjpura Road Branch, Karnal
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