Apr 03, 2009 09:15 PM
6706 Views
I had to cool myself off before getting on to writing this one...I went really really mad. Here's what happened: 1) I happened to call Bajaj Allianz, Kukatpally, Hyderabad, regarding a premium lapse of my husband's policy. Mr. X is a Sales Manager there.
- He gave me wrong information, which I confirmed later with Customer Care. But that is not what I want to talk about. My recent experience is a real scoop, tell you!
2) I had to invest anyways to save tax, so I also inquired if they had a good ULIP plan for me. I did not know I sounded like a goat till he made me one (a "barka"!).
3) Mr. X calls me day in and day out and I literally squeeze time out to meet him.
4) I freeze Fortune Plus and decide on a 40K annual thingie.
5) An Angel appears in my dreams and warns me (kidding of course)
6) I change my mind in the last moment and tell him I want to postpone the investment. He says it is not possible because he has logged me (whatever that means) already. But he drops in again and finally convinces me to go for a 10K annual thingie. I reluctantly succumb - market will pick up, I'll go for 5 years anyways - I convinced myself.
7) About a week later I get my policy.
8) SCOOP: i) I see my PLAN HAS CHANGED WITHOUT MY KNOWLEDGE to something else which had a Surrender Penalty and I confirmed with the Customer Care that the one I opted for/the one Mr. X sold me was better than this one considering my requirements. ii) Now make a guess how Mr. X could have altered my policy without even informing me....Well, well, well, HE FAKED MY SIGNATURE on an application that said "Please change my plan from Fortune Plus to New Unit Gain (not sure of the name of this one)". Not just that, there were FIVE OTHER places in the document where my SIGNATURE WAS FORGED!!!! And I always thought I had a complicated signature. Infact, it is, because the fake ones were so obvious!!!
9) I call him. His explanation: Fortune Plus required a minimum of Rs. 15, 000 so he DECIDED ON HIS OWN TO CHANGE MY LIFE INSURANCE PLAN TO SOMETHING ELSE WITHOUT MY KNOWLEDGE!!! And since he has a world of things to do, he went ahead and faked my signature. His words "Mein apke piche piche ghumtey toh nehi reh sakta kuch signatures ke liye".
10) I ask him to cancel the policy and return my cheque as I cannot trust nor want to do business with a company that fakes signatures – that too on a life insurance document. THAT IS CRIMINAL for God's sake!! 11) He says it is IMPOSSIBLE – I have to now wait for three more years.
12) My husband enlightens me about the FREE LOOK period wherein you can cancel a policy within 15 days of receiving it. I get real mad this time and ask him to call Mr. X. After a verbal dual Mr. X agrees to his mistakes and says he’ll cancel it and return me my money!!!!!
13) Oh I forgot, the Policy also says I am a MALE (confirms my goat analogy, he sure cannot make out the male from the female). I am to go on Monday and I swear to God, if I don’t see my money back in the bank I will approach the consumer court. And if I have to get to that, lets hope I do not come running back to Mouthshut to vent it out! Some justice I still believe in!
