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| Consumer : TRILOKI NATH |
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Query ID: EID13252013 |
| Complaint Against: Insurance ( Fund Multiplier ) , PNB METLIFE , PNB METLIFE |
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Consumer Query / Complaint:
1. My Policy no is 00756571 and Customer/Client ID is 21337928.
2. I took the above Policy from PNB Metlife 5 years back and paid yearly payment of Rs 50,000/- .
3. Total Premium paid by me during 5 years is Rs 250000/- ( Rupees Two Lac Fifty Thousands ) only.
4. I surrendered the above Policy on 29 April 2013 after its maturity .
5. I have been paid only Rs 224314/- ( Two Lakh Twenty Four Thousand Three Hundred Fourteen only) .
6. My Complaint is :--
(a) Why I have been paid less amount ( Rs 224314/- ) while I actually paid Rs 250000/- in Five years ?
(b) I have not even been paid any interest / bonus on my paid amount ?
(c) Is it not a cheating to a policy holder who pays more but gets less and thus suffers loss ? While insurance agents lure a customer for taking a Policy giving a very bright benefit and get the Policy signed with so many terms and conditions running in several pages in very small letters without giving any time to read , the reality comes at the time of policy maturity .
I request for a legal advice . May I request VOICE to help me in this regard .
Legal Advise from Consumer Voice Expert:
We presume you have read the terms and conditions of the policy documents given by the insurance company and if there is any provision for direction from the matured amount on some grounds .We cannot comment on the reasons of deduction without going through the terms and conditions of policy.If you feel that the deduction is in violation of policy then you can send representation to grievance redressal /manager customer care officer of the company.
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| Consumer : Ashok |
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Query ID: EID13232013 |
| Complaint Against: Reliance Life Insurance , Relaince Capital , Reliance |
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Consumer Query / Complaint:
Sub: Complaint for misguiding & Cheating against
a) Ashish Sharma (M)..09250078420
b) Vikas Aggarwal (M) 09015180325
Both called themselves agent of Reliance Capital
Dear Sir
It is to inform you that I received several calls on my Mobile No. 9312223957 in month of Dec 2012 that we are talking from Reliance Capital and We issue Capital Loan at very reasonable rate @8% P.A against mortgage of Reliance insurance Bond. As I was needed the fund to close my previous loan account which is at very high rate @14% . He assured and promised us to arrange amount of Rs. 85 Lacs by Reliance Capital Co. against Reliance insurance bond by mortgage.
On good faith of Reputed Reliance Company. I agreed to invest money in Policy bond and issued 3 Cheque from my account and my son account in favor of RIL amount Ch No. 448460 Dt. 20/12/12 Amt. Rs. 40000/- , Ch. No. 448461 Dt. 20/12/12 Amt. Rs. 40000/- , Ch. No. 648452 Dt. 28/11/12 Amt. Rs. 45000/- , Ch No. 648453 Rs. 45000/- After almost 1month in Last of Jan 2013 First I received Policy of my son then I called Mr. Ashish he said that your policy will take some time it is under process as soon as your policy will issued, Reliance executive will come for Docket Signing and within 1-2 week you will get Loan amount. After 2-3 days again I called Mr. Ashish then he told then his senior manager Mr. Vikas Aggarwal is going Reliance Bombay office for amount Sanction then after 1 Day I received a call from both they said your fund is almost under final stage of Sanction but there is one problem that you have to deposit 3 installment of loan amount i.e Rs. 36445/- each for disbursement and sanction of Letter and other documents like agreements copy etc. When I insisted them to meet personally they are not giving proper response on phone. You are therefore requested to lodge the complaint against both Ashish Sharma & Vikas Aggarwal for misguiding/Fraud. I also have voice recording of Ashish. I shall be grateful if you look into this
Legal Advise from Consumer Voice Expert:
You have invested money in Reliance Bond for taking loan from the company. They have asked to pay 03 instalments against the loan which has not been released as yet. This is strange. In fact you should have ascertained the credentials of the executives before making payments. The company has already published the Disclaimer / Advisory on their website to warn against the cheaters. However, you may now send your detailed complaints on their email id: Rlife.customerservice@relianceada.com or call on their helpline 1800-3000-8181 (Toll Free).
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| Consumer : NAVEEN |
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Query ID: EID13222013 |
| Complaint Against: Query ID: EID13212013- MOBILE CONNECTION , VODAFONE , VODAFONE EAST LTD |
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Consumer Query / Complaint:
Query ID: EID13212013
Complaint Against: MOBILE CONNECTION , VODAFONE , VODAFONE EAST LTD
YOUR ADVICE IS INCOMPLETE ! PLEASE READ AGAIN & ADVICE.
Consumer Query / Complaint:
# I HAVE A GROUP CONNECTION OF 8-10 POSTPAID NUMBERS.IN DECEMBER I HAD OFFICIALLY MAILED FOR REDUCTION IN CREDIT LIMIT OF EACH CONNECTION MENTIONING DESIRED CREDIT LIMITS TO MINIMISE RISK OF MISUSE DUE TO ABNORMALLY HIGH & ARBITRARY CREDIT LIMITS SET UNILATERALLY BY THEM.AS PER TERMS OF CUG I AM RESPONSIBLE FOR ALL OUTSTANGINGS IN MY GROUP.INSTEAD THEY HAVE DOUBLED THE CREDIT LIMITS SINCE THEN. WHAT IS MY REMEDY ?
>>>>>IS NOT THE CO. LEGALLY BOUND TO ACCEPT MY REQUEST FOR LOWER CREDIT LIMITS ? <<<<<<<
# IN MARCH MY WIFES NUMBER UNDER SAME CUG SHOWED GPRS CHARGES OF MORE THAN RS 10000 WITH RS 4000 CHARGED ON SINGLE DAY.GPRS IS SCARCELY USED & PREVIOUS MONTHS CHARGES WERE WITHIN Rs. 100/- .THE CHARGES ARE FALSE BUT AGAINST REQUEST VODAFONE HAS REFUSED TO PROVIDE SPECIFIC URL & USAGE TIME,DURATION DETAILS SAYING that as per current specification THEY provide bills as per standard format and there is no process where they can capture the website and URL details. In december against credit limit Rs 7000/- I requested Rs 2000/-. Now it is Rs 17000/- and the inflated bill is Rs 12000/-. WHAT IS THE REMEDY ?
>>>> IS NOT THE CO. LEGALLY BOUND TO PROVIDE SPECIFIC URL & USAGE TIME,DURATION DETAILS ? <<<<<<<<
Legal Advise from Consumer Voice Expert:
There are no Regulations which make it mandatory for the service provider to increase or decrease credit limit at the request of the customers. Similarly, there are no specific Regulations which require the service provider to capture the website and URL details and usage time, duration details and furnish them to the customers. >>>>
For resolution of your grievance with respect to inflated bill, as a first step, you may write to the Appellate Authority of your area.
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| Consumer : NAVEEN |
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Query ID: EID13212013 |
| Complaint Against: MOBILE CONNECTION , VODAFONE , VODAFONE EAST LTD |
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Consumer Query / Complaint:
# I HAVE A GROUP CONNECTION OF 8-10 POSTPAID NUMBERS.IN DECEMBER I HAD OFFICIALLY MAILED FOR REDUCTION IN CREDIT LIMIT OF EACH CONNECTION MENTIONING DESIRED CREDIT LIMITS TO MINIMISE RISK OF MISUSE DUE TO ABNORMALLY HIGH & ARBITRARY CREDIT LIMITS SET UNILATERALLY BY THEM.AS PER TERMS OF CUG I AM RESPONSIBLE FOR ALL OUTSTANGINGS IN MY GROUP.INSTEAD THEY HAVE DOUBLED THE CREDIT LIMITS SINCE THEN. WHAT IS MY REMEDY ?
# IN MARCH MY WIFES NUMBER UNDER SAME CUG SHOWED GPRS CHARGES OF MORE THAN RS 10000 WITH RS 4000 CHARGED ON SINGLE DAY.GPRS IS SCARCELY USED & PREVIOUS MONTHS CHARGES WERE WITHIN Rs. 100/- .THE CHARGES ARE FALSE BUT AGAINST REQUEST VODAFONE HAS REFUSED TO PROVIDE SPECIFIC URL & USAGE TIME,DURATION DETAILS SAYING that as per current specification THEY provide bills as per standard format and there is no process where they can capture the website and URL details. In december against credit limit Rs 7000/- I requested Rs 2000/-. Now it is Rs 17000/- and the inflated bill is Rs 12000/-. WHAT IS THE REMEDY ?
Legal Advise from Consumer Voice Expert:
You may send a written Complaint to the Appellate Authority of your circle (address, email etc. are given on the bill as well as Vodafone website). You may narrate your problem including any documents in support and docket number of any complaint lodged with customer care.
Expect reply within 7 days / resolution within 30 days.
If you are not satisfied with the solution offered by the company then you may move Consumer Court as the amounts involved are fairly large.
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| Consumer : Anita |
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Query ID: EID13202013 |
| Complaint Against: Limited Company , Limited Educational Compnay , Ltd. Company |
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Consumer Query / Complaint:
I would kindly like to seek a legal advice as an employer of a reputed Ltd. Educational Company where I am presently working with for the past 4 years. For the past 2 months none of the employees of our company has got the salary till now. We even have not got the arrears for the past 2 years also.
In spite of asking and mailing our HR deptt. consistently we have not got even a single reply or explanation so as that why our hardearned money is not being given to us.
Kindly advice me that what action can be takne against the company in this case as we do not have any communication of clarity from our HR deptt. regarding this delay.
REgards,
Anita
Legal Advise from Consumer Voice Expert:
Firstly, we would like to clarify that your complaint relates to employment by an educational company, the consumer forum would not have jurisdiction to decide the matter. However, we would suggest that you may send a notice to the Director or the Controlling Authority to arrange for payment of 02 months salary and the arrears of 02 years within 15 days failing which you will lodge a complaint against them with the Competent Authority which has given recognition to run the institution for such action as may be deemed appropriate.
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