CHEATING BY LIC AGENT, SHE TOOK CASH FOR TWO OLD AND TWO NEW POLICIES BUT DIDN’T DEPOSIT. (SCHEDULE 2447/1835, BRANCH OFFICE, VAPI BRANCH OFFICE-868)
DEAR SIR/MADAM
I AM PRASHANT ARVIND KARULKAR EARLIER STAYING AT “NAVMUL CO-OP.HSG. SOCIETY, G I D C COLONY,UMBEGON, DIS : VALSAD, GUJARAT, PIN CODE 396171, I took two polices from local agent of LIC OF INDIA, Mrs. Bhavna rajesh karulkar, who is family member also, ( Lic new bima gold policy no: 863679602 issued on 23-11-2006, lic jeevan tarang policy with profit no: 863669654 issued date 15-07-2006, and as she is post office agent as well as oriental insurance agent so I gave her mediclaim and post recurring a/c (no= 143670276) also in around may 2006 all a/c was regular till dec 2006, in Jan 2007 I shifted to Mumbai for some family reason and for better living hood, and my all investment are stop.
After around two year bhavna came to my new place in dec 2008, and remind me my old policies and request me to pay premium and she will continue the policy and further she request me to take some new polices, one is jeevan aastha and one more ( I did not remember name of the policy, she convince me to take all this polices for better future ) I fully convince and thanks her for awaking me and show me my negligence towards insurance, she further convince me to start my post recurring a/c of 2000=00 rs monthly, which is also over due from dec 2006 when I shifted to Mumbai. I agree for the same she took signed on some forms and took 3 photos.
She told me there is no need of any address proof as I already have relation with lic India , she calculate premium and ask me for sixty thousand rupees ( 60,000=00 ) as total premium, I tried to gave her cheque of icici bank ltd, but she ask me for cash as polices are dead and jeevan aastha is closing in very few days and she told me my bank is of Mumbai so it will take 15 to 20 days to clear the cheque and till date policy will be closed, I am unaware of all rules and regulation of payment, took her with me to my icici atm and withdraw 25,000=00 cash and add some cash from my personal saving and gave her sixty thousand rupees. she left my house, for some days she was in touch and update me with my new policy and old policy, but I did not got any policy, I ask her after two months about receipt of old policy premium receipt and new policy and its premium paid receipt, she told me as we gave old address of umbergaon town dis: valsad, and no one is staying there so policies and receipt are not delivered and return to lic vapi, she promise me she will collect and send it to me threw courier

I waited for some more days, in between period I came to know that my blank signed cheque of icici bank ltd which I duly signed to gave her as total premium for lic and post, is misplaced from the day bhavna karulkar visited me for collecting payment. I inquire in bank about the status of cheque bank told me it’s not deposited yet. I immediately stop cheque in bank by giving stop payment letter to bank.
Still I could not think that Mrs. Bhavna karulkar who is family friend and cousin’s wife can do this to me, last month when I go to my accountant/chartered accountant for filling IT REURN, he ask for all investment and its proof, then I start forcing bhavna for all receipt and new policies, post office recurring book, after my continuous follow up she stop receiving my phone calls, and she avoid meting me. Then my chartered account inquire with vapi lic branch with ref of my old policies and we got shocking news that in my polices not single pie was paid since nov 2006, and there is no new policy in my name, we further inquire in post office umbergaon they told us that my recurring a/c is closed as there is no payment since nov 2006. Now I am sure that Mrs. Bhavna rajesh karulkar cheat me and break my faith and trust. Now I m sure she only stole my cheque from my house when she came for cash. I am inquiring about same.
Please guide me how I can continue my policies. we came to know that she did fraud in post office umbergaon with lots of people as she withdraw their money before due date and use it, and she gave them money back in installment, she had great influence with post office umbergaon, that’s the only reason they never took action against her in spite of some complaint against her. She is also politically attached.
Thus I hereby request you to please take legal action against her as per guidelines of IRDA otherwise as I am cheated she might cheat many other innocent peoples like me in Umbergaon and around.
Please do justice.
Regards

Prashant arvind karulkar
Flat no 803, building no 47,
Evershine millennium paradise
Thakur village, kandivali east
Mumbai 400101
Cel no: 9702176969