I have a life saver plus policy no.LSP1726945 of AVIVA.
The policy in question shall convert into auto foreclosure on 27.10.2012 as per Aviva UIN No.122L037V01 Dt.28.08.2012.Its surrender value in august was Rs.124295.00 though Rs.150000.00 have been paid by me since 26.11.2009. There are a few disturbing things that came to my notice, regarding the same policy. 

Firstly the policy was sold to me  by HDFC Bank manager at Solan Mr. Prashant Goel. I was assured a better return on the policy and I bought it trusting him.
The issues I have with the policy are 
1. The Medical Reports have been forged.
I have never been examined by any doctor, but the reports state that a doctor paid me a visit.Aviva says that I paid a visit to the doctor at Pachkula on the contrary.
Many details in my report are not accurate, I have certain old medical conditions which have not been mentioned in my reports. 
2. There is difference in Height/ Weight.My date of birth is also wrong in Medical Examiners report. 

Talking about the Mr.Prashant Goel he did co operate when I brought this fact in his notice. Even he confirms that no body has ever approached him from Aviva\\\’s any agency or empanelled doctor for any medical examination to be done. Even the advisor Mr. Manoj Bariana has also confirmed that, he is also not aware about the medical being done. The medical could not be done without the policy advisors knowledge. The copy of this communication is also attached at the end. 

I believe that it was HDFC that sold this policy to me and i hold the bank liable for this forgery. There is enough proof that there are a lot of dubious  aspects to this issue. I did notify the Aviva head office the response i got from there was not at all to my satisfaction. I think this is not fair. The policy was bought on the banks goodwill and I would not want to be misguided or cheated. I would like a thorough probe in this regard.

How to proceed to teach Aviva and HDFC bank a lesson so that they do not cheat the clients in future.

Thanks 
Pradeep Suri
Suri Medical Agencies
The Mall,Solan H.P. 173212
Ph: 9816020414