I need help in getting my money back...
I have written the following letter dated 9th March to HDFC SL and couriered to their Marol Office on 10th March. The same was hand delivered to Suburban Diagnostics India Private Limited, Thakur Village, Kandivli (East), on 10th March. Since there was no response from either the letter was hand delivered on 14th March1 to HDFC SL at their M.G. Road, Kandivli (West) Branch and an acknowledgement taken.
However there is no response so far (today is 22 March) from HDFC or Suburban Daignostics… I would like an explanation…Whom do I approach???
From:
Chetan Kuckian
Mumbai
Date: 9th March
To:
The Operations Dept.,
HDFC SL Mumbai-Marol Branch,
101-104 1st Floor, Satellite Silver,
Near Marol Naka,
Andheri Kurla Road,
Mumbai 400059
Sir/Madam,
Ref: Proposal No. 13437471.
I the undersigned, Chetan B. Kuckian had applied for a 20 year Term Assurance Death Benefit Policy and the premium amounting to Rs.5, 592.00 was paid in advance to HDFC.
On 08/03, I have received your letter dated 27/02 wherein you have changed the acceptance terms and increased the premium from Rs.5, 592=00 to Rs.11, 500=00. As per your above dated letter you have mentioned the reason for the proposed change in terms of acceptance on account of “elevated blood sugar levels”.
I have done a independent blood sugar test on 09/03. The current report, which is enclosed herewith for your reference shows the following readings which are “ABSOLUTELY NORMAL”:
Plasma Glucose fasting : 76.5 MG/DL
Post Lunch Blood Glucose : 80.5 MG/DL
Now I would like to know on what basis did you mention that the blood sugar levels are elevated.
1. Has HDFC erred in issuing the letter with increased premium in haste or has the pathology lab submitted incorrect reports to HDFC.
2. How can the Suburban Diagnostic report mention elevated sugar levels whereas the same test done elsewhere shows it to be normal.
Due to the unnecessary delay and mental tension caused to me, I decline your offer of an increased premium and I am not interested in any Term Policy with HDFC. I would appreciate if you kindly return the amount of Rs.5, 592=00 at the earliest.
I would also appreciate if HDFC looks into the case and informs me as to who is responsible for this major goof up. Is it HDFC or is it Suburban Diagnostics, Thakur Village??
Awaiting your early response.
I remain,
Yours Sincerely
Chetan Kuckian
(M) 95940 17826
Encl:
Copy of Current Blood Sugar Report showing normal readings.
Your consent letter - which I decline to accept.
cc:
1. Mrs. Payal Naik 00055839
2. Suburban Diagnostics, Thakur Village.
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