M Sanjiv Kumar
30 November 2014 at 23:49
Respected Sir/Madam,
I work in a private power
generation company as senior executive, my boss always threatens me of expelling and sacking me for reasons beyond comprehension. Few days back when i fell ill, i messaged him that because of ill health will not be able to come to office. To this he replied back send your resignation or i'll ask HR Dept to expel you. I'm having all messages sent by him with me. He and one of his colleague always prepare such Shift schedule so that maximum strain i get. I am thinking of resigning as stress has become unbearable to me, but i want them to teach a lesion so that they never do this to anyone else. Please advice.
Tarun Sheth
30 November 2014 at 13:40
Dear Sir
I was sold 2 single premium insurance policies from form Reliance Insurance by his marketing man on 30/3/2010. One in my name and another in my wife's name. These polices were for minimum 3 years before they can be redeemed.
But the selling officer for his benefit changed them to term police. When the policies were delivered, but I could not see them within 15 days period, as we were in USA. Besides I trusted him as he was quite sweet talker and was an employee of the company.
After 3 years were over I tried to know the value of our investments in my policies, and I was informed by he company that the policies are lapsed. On inquiry, I was informed that it was due to non payment of terms for both the policies.
I checked the policy documents and realized that they had issued the term policies instead of single premium policies.
I asked the company that, if these policies were terms policies, then why the premium notices for both policies were not server every year for all the 3 years.
Besides, when policies were lapsed, why we were not served notice for lapse? Why were not given an opportunity to revive them?
The company never replied any of my emails, the employee who took my policies, told me that he is with company, but now serving in different city, and can not help me.
One fine day company send the fund to our account without informing us,deducting approximately Rs. 12000/- for our investments.
There was complete lake of service providing from the company by not sending proper timely advise for payment of premium,and lapse of policies.
Over and above they refused personal meeting and paid up the amount after deducting amounts without any consent of ours and without following their laid down procedure which they are suppose. follow.
I believe that the company has taken us for granted, and my complain to IRDA did not bring any result.
To complain in Abasement, I need a help of such lawyer who can help me and charge the fee to the company.
I am sure that I will win the case along with damage to be paid to me and big fee and prestige to the lawyer.
I well come advice form your esteemed organization at an earliest.
Thanking You and awaiting your help soon, before this becomes a time bared case.
Tarun Sheth
© 2025 LAWyersclubindia.com. Let us grow stronger by mutual exchange of knowledge.
Regarding first appellate authorities
Dear sir i want to know that how i can write a first appellate authorities? should i attach all the photostat copies of answers which i got in my RTI reply ? or i only attach the RTI questions only?
thanking you in anticipation