Dear Members,
In Dec'14 I got a call to apply for the "HDFC Infinia Credit Card" for which HDFC executive visited to my place and collected the required Documents consist of signed copies of PAN card,DL and Voter ID card, one cancelled cheque and one cheque of amount 30200/- (in favour of HDFC Life) and gave me the signed acknowledgement slip too but said card was never issued and are wrongly used to issue an insurance policy from HDFC Life of 10 years and it was sent to my permanent address on 19th Jan'15 It was not sent to my communication address.
The cancelled cheque was wrongly used activate ECS on my ICICI bank account and amount 30200/- was debited as policy premium amount by using another cheque issued by me for credit card purpose. I was told that its the credit card joining fee which is refundable after 30 days.
Now when my father sent me the policy documents and after looking at the attached copy of Insurance application form at the back of booklet. I found that my signed personal documents and cheques are used to issue this policy in my name also all the signatures on the Insurance Application form are counterfeit and no detail is filled by me, even details like My work-location,company name & address and medical details are also wrong.Also the mobile no. mentioned is not mine.
Now as the 15 days free look up period is over the HDFC life customer care has refused to cancel the policy and refund the amount 30200/-.
I have sent a letter and an email to the HDFC Grievance cell stating them the entire matter and waiting for their response but not very much hopeful from their end after seeing a lot of similar complaints over internet and no action/refund was done from their end.
Kindly suggest me to whom I should approach if no action is taken by HDFC Life in this regard. Should I approach to IRDA Grievance cell or should I lodge a complaint in consumer forum.
A quick response is awaited.
Thanks i Adv!
Abhi
