Subject:- Forced Migration from one policy(no.:- 01335971) Client ID 52107562, KOTAK SMART Advantage (107L043V01) to another policy(no.:- 02075352), Client ID 53972055, KOTAK Super Advantage (UIN-107L058V01) by KOTAK LIFE Insurance on FORGED SIGNATURES.
Dear Learned Friends, I need UR help & guidance on following:-
1. I had a policy no.:- policy(no.:- 01335971) Client ID 52107562, KOTAK SMART Advantage (107L043V01) dated 04/10/2008 Against an annual sum of Rs.36,000.00 with due date of October of every year. I had paid up two installments i.e. a sum of Rs.72,000.00.
2. In July,2010 I got a reminder telephone call from a support staff of KOTAK LIFE INSURANCE explaining me the scheme that since the ban on ULIP is now lifted by the Govt. of India. So, KOTAK LIFE INSURANCE has a scheme that if you make a pre-payment of the due installment of Rs.36,000.00 in month of July,2010 against the due date of October,2010 then I shall be entitled for an assured sum of Rs.1,50,000.00 in January,2011. (i.e. Rs.72000 paid upto Oct.2009 + Rs.36000 paid in July,2010 = Rs.1,08,000.00).
3. They sent a messenger at my residence to collect the payment which I paid vide cheque no.:-822546 dated:-28/07/2010 Amounting to Rs.36,000.00 drawn on HDFC Bank xxxxxxx Delhi in favour of KOTAK LIFE INSURANCE Policy No.:- 01335971. On 06.08.2010, I received a policy no.:- 02075352, Client ID 53972055, KOTAK Super Advantage (UIN-107L058V01) dated :- 02/08/2010. After going through the policy I found that it was issued on my forged signatures. I had never made any request for such migration/ issuance.
After going thru the new policy I observed that the last few pages of the policy contain the scanned image of 8 nos page of form no.:- KP 02075352 which reflects my forged signatures invariably on all pages.
I want to sue the KOTAK Life Insurance under section 420 of Indian Penal Code & compensation, please guide where to approach & how?
Please help me ur guidance is valuable to me.