In the year 2010 July, I had done a FD for 2 lac with HDFC bank, Deer park branch for the period of 2 years. I have a priority account in HDFC Bank, Deer Park Branch and relationship manager Ms Ilma was designated to handle my account. I was asked to sign form and was told that copy of the FD would be sent by post. However, that never came by post. In the 18 months, I have visited the branch on more than 15 occasions to ask for the copy of the FD but each time I am told that it had been sent by post and got returned as nobody was home when the courier person came to deliver it. Even on asking for a duplicate copy of the FD, I have never been given one and each time some excuses were given like 'bank systems are down' or 'don't worry we'll be resending it by post'. However, till date the copy of the FD is not received.
In January 2013, I was also advised by relationship Manager Mr Zohaib to opt for a beneficial pension policy for a premium of Rs 3 lac. I trusted the relationship manager and signed the form as asked by him. Thereafter, I went to USA to spend time with my daughter. I returned from USA in May 2013 and visited the branch to ask for copy of the FD and also copy of this new pension policy. However, this time I noticed that the relationship manager was trying to avoid me and I could smell something fishy. This made me suspicious and I shared the problem with my son. He immediately visited the branch and got a copy of my bank account statement. It was shocking to see that 2 pension policies worth Rs 2.5 lac each (total 5 lac had been debited from my account) had been done whereas at the time of signing the form I had opted for only 1 policy of Rs 3 lac one time premium.
We handed over a written written complaint to Mr Dhruv, Branch manager. After the complaint, Mr Zohaib and Ms Ilma visited our house and handed over 3 receipts to me. I showed them to my son who was shocked to know that the Rs 2 lac was invested in some debt fund with a lockin period of 5 years. All this while the relationship managers were lying that the 2 lacs were invested in the FD for 2 years. The other 2 receipts were of the pension policy which were mere receipts mentioning the total amount of 5 lac premium paid. No copy of the Bond or the policy has been provided to us till date even after submitting a written complaint with the branch manager.
Furthermore, our mailing address and mobile number mentioned on the receipts is fictional and forged. We presume this was done deliberately to ensure that we do not receive copy of the policies/bonds at our mailing address and do not even receive any sms about it. We fail to understand how my KYC documents have been forged? Branch manager Mr Dhruv promised to resolve this issue when my son met him 2 weeks back. But I don't think he can help in anyway. In these 2 weeks, he has not been able to even provide copy of the bond & the policies.
I am a widow and a senior citizen. All I did was trusted the relationship managers of HDFC, Deer Park Branch who just manipulated and misguided us all this while.
We know that fudging of the KYC documents is a criminal offence. We just don't know how to go about it. Should we consult a lawyer or is there any other alternative? We request someone to pl guide us in this regard.
Thanks
Balvinder Kaur Arora
+919891193399
balvinder53@hotmail.com
In January 2013, I was also advised by relationship Manager Mr Zohaib to opt for a beneficial pension policy for a premium of Rs 3 lac. I trusted the relationship manager and signed the form as asked by him. Thereafter, I went to USA to spend time with my daughter. I returned from USA in May 2013 and visited the branch to ask for copy of the FD and also copy of this new pension policy. However, this time I noticed that the relationship manager was trying to avoid me and I could smell something fishy. This made me suspicious and I shared the problem with my son. He immediately visited the branch and got a copy of my bank account statement. It was shocking to see that 2 pension policies worth Rs 2.5 lac each (total 5 lac had been debited from my account) had been done whereas at the time of signing the form I had opted for only 1 policy of Rs 3 lac one time premium.
We handed over a written written complaint to Mr Dhruv, Branch manager. After the complaint, Mr Zohaib and Ms Ilma visited our house and handed over 3 receipts to me. I showed them to my son who was shocked to know that the Rs 2 lac was invested in some debt fund with a lockin period of 5 years. All this while the relationship managers were lying that the 2 lacs were invested in the FD for 2 years. The other 2 receipts were of the pension policy which were mere receipts mentioning the total amount of 5 lac premium paid. No copy of the Bond or the policy has been provided to us till date even after submitting a written complaint with the branch manager.
Furthermore, our mailing address and mobile number mentioned on the receipts is fictional and forged. We presume this was done deliberately to ensure that we do not receive copy of the policies/bonds at our mailing address and do not even receive any sms about it. We fail to understand how my KYC documents have been forged? Branch manager Mr Dhruv promised to resolve this issue when my son met him 2 weeks back. But I don't think he can help in anyway. In these 2 weeks, he has not been able to even provide copy of the bond & the policies.
I am a widow and a senior citizen. All I did was trusted the relationship managers of HDFC, Deer Park Branch who just manipulated and misguided us all this while.
We know that fudging of the KYC documents is a criminal offence. We just don't know how to go about it. Should we consult a lawyer or is there any other alternative? We request someone to pl guide us in this regard.
Thanks
Balvinder Kaur Arora
+919891193399
balvinder53@hotmail.com