Hi,
I have taken an insurance policy in HDFC SL . Initially I was told the policy period is for 7 years. But, when I received the policy, I was shocked to see the term as 10 years. So, I went to the Branch to close the policy during the free look period. The Branch gave me the form and I duly filled the form and gave a letter also to close the policy. The branch promised me that they will refund the money in form of cheque within 2 weeks. But, I have not got the cheque. After three weeks, I got a letter stating that my complaint has been taken by the HDFC Sl and will be investigated for the resolution within 2 weeks. If not resolved, it will be escalated further. I called the HDFC SL to say that, I have not filed any complaint but want my money back. I was directed to grievance department, where they started redirecting me back to the complaint cell thrice. Finally, I have to shout to make them listen. In the mean time I have also sent sms to the customer service to call me. The grievance told me that it is the process and it will take two weeks. I told them that, I have not raised any complain and asked them for the refund. But they said the same answer again with the same tone again and again. I have to close the call. After some time, I got a call from HDFC sl as I have sms'ed them to call me. The lady called me and said, the letter I gave does not contain the required signature. I have asked to share the copy of the document so I can prove I have signed the documents. She told me that is not permissible. She asked to go to the branch and asked me to write another letter and give it to them. It takes three weeks for them to find the signature missing. I feel this is a cheap trick they playing to delay the payment. Probably, after I give the letter, they can say I have the letter for closure only after the free look period to deduct the refunded amount. The bank claims to be number one bank in India which has no process in place and paying on its customer.
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