I had applied for a policy with the company and issued a cheque of Rs.18, 720 which was encashed on 30/06. The agent sold me Saral Jeevan Policy of 15 year terms but premium calculated on 20 years term as is the special discount to me and POLICY NUMBER for the same is 001811084. Their agent promised me of issuing the document within 15 days. But so far I have not received the documents. So I raised the case id for the same and the case id number is 003240832. After that I followed up with them number of times but no response. Finally I put a request of cancellation on 12th September with signed letter as I heard the misdeeds which came true; see below.
When I went for this policy, I enrolled one of my friend also for the same policy with the same benefit as mentioned above. He also faced the same problem; policy document not received. After many follow ups he receievd the documents, but to the utter surprise of every one of us, someone has rubbed the tick against 15 years term checkbox and themselve ticked 20 years term checkbox. This is purely a case of cheating. This turned my fear in to reality.
Just yesterday I received a call from them for the delivery of documents, though I already put the request for cancellation. So I told him not to deliver the same.
Today when I spoke to Ms. Deewangi, Sr. Manager on HELPLINE number, she informed me that if I cancel the policy now I will not be getting any money as policy is already issued. This is contrary to the fact; one I have not received the policy Documents, second, even if policy is received there is 15 days grace period for the customer to cancel the policy and in that case only administration charges are deducted.
But here I am not cancelling the policy because of any problem from my side, but due to the fiasco and goof ups from Birla Sun Life (and also cheating with my friend) and they are blaming their agent; Angel broking firm, for all these. So in this case whatever the penalties, they should charge to the agent not to the customer.
Please help me in this matter.
Thanks
Mohammed Anwa
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