From: Devesh Chandra Misra <email@example.com>
Subject: NON payment of my money for NSG1184318
I simply want my money back, invested with your company in insurance policy no NSG1184318.
I have number of times informed you that your representative Mr. Siddarth Chauhan & Mr. Amit Jauhari had taken Rs.48000 to be invested in a insurance policy as one time investment with returns of more than bank's rate.
They (Mr. Siddarth Chauhan & Mr. Amit Jauhari) had promised me that after 3 years I will get my money back with interest, with an assurance that they will help me in getting my money back after the said period. They had provided with me their visiting card, which mentions 'Siddarth Chauhan - Personal Banker' of ABN-AMRO, the mobile no on the card is '9935092047'. Which whenever dialed after the the 3 years time period says the "customer you are trying is not reachable".
On approaching your office situated at Sapru marg I was informed that my money is forfeited and will not be returned. On being asked I lodged a written complaint (dt:26/06/2009) giving all the details and promises made to me while investing.
The result of this complaint was that I received two phone calls on 1/jul/09 & 03/jul/09 wherein they again confirmed the details and assured of faster action.
On 03/jul/09 I received two letters, first stating that investigation is on and will inform, the second letter of the same date received, mentioning number of conditions and informed their inability to cancel the said poicy with a request to stay invested.
I would like to point out that issuing two letters on the same date raises doubts over authenticity of the investigation, then when I visited your office you have told me that you are not aware about the whereabouts of the said representatives ( Mr.Siddarth Chauhan & Mr. Amit Jauhari) then how could you discuss my case with them ?
It seems you and your representatives are in connivance and sell the insurance policies by misrepresentation & suppression of facts, misinforming customers, defrauding and cheating the customer's confidence causing monetary harm and mental torture.
I hope a better sense will prevail and looking into the good business-practices you may act fast to remit my money back.
Hoping to hear positively from you,
I was given a receipt no.
Devesh Chandra Misra
P.S. I am forwarding the copy of this mail to all my contacts with a CAUTION to beware of AVIVA and its representatives, so they may not suffer like me.
Devesh Chandra Misra
Reminder sent to AVIVA on 06/AUG/2009
Till this time I have not received back my money invested with you, neither you have informed me by what time I would receive the same.
You are requested to expedite the issue.
Response received from AVIVA regarding my reminder no.1. (on 07/Aug/2009)
Thank you for contacting us.
Your message has reached our Customer Services Team and you can expect a
response from us in this regard within next two working days*.
*Please note that we are not working on Saturdays, Sundays and public
"If your enquiry/ concern is of an urgent nature, then please feel free to
call our Customer Service Helpline at 1-800-180-2266 from your MTNL or BSNL
line (available Monday - Saturday 8am to 10pm, except on public holidays)."
Aviva Life Insurance Co.India Ltd.
Aviva Tower, Sector Road, Opp Golf Course,
DLF - Phase V, Sector - 43,
Gurgaon 122 003
Tel# 91-124-2709000-01 Fax# 91-124-2571210
Letter sent to AVIVA on 07/Aug/2009.
I simply want my money back and in none of your correspondences you have not mentioned what is the status of my getting my money back.
Kindly send me the details of in writing :
1. How would I get my money back?
2. How much amount will I get back?
3. By what time I will get my amount?
4. What is required on my behalf to do to get my amount back?
Please answer the above queries specifically.
An early reply would be taken as good business practice.
/Devesh Chandra Misra.
PS. In one of your letter you said you could not reply in two days time, if you go through the letter carefully you may be astounded that its a "REMINDER NO.1" not a fresh letter.