One more set of people who deserve to be cheated……
‘Subra this representative came and explained the product to me…..I hated it. However as the bank was giving me a loan, I said ‘give me a LEAST damaging product’. He explained a product ‘X’ but i seem to have got product ‘Y’.
Me: why did you not scream the day you got it?
Client: Funnily Subra they sent it to a WRONG ADDRESS….and it went back to them…after that they sent it to me.
Me: Did you tell this to the bank?
C: Yes of course, but the bank says ‘You should have sent it to us before the FREE LOOK IN was over’.
Me: So let me summarize. You applied for a bank loan of ‘X’ amount, so the bank sent another representative who cajoled you into buying a life insurance / pension plan which you actually did not want.
C: Yes, Subra perfect.
Me: The guy came and made a presentation to which you did not pay attention because the premium was ‘ONLY’ 2% of the loan sanctioned.
C: Partially right. I knew I was buying a ULIP and it had 30x the sum assured. So i was getting a decent life cover, so I was not unhappy.
Me: So at least you read through the brochure.
C: Yes Subramoney.com ensured at least that much.
Me: thanks, I was fishing for compliments.
Me: What product did you end up getting?
C: I got a child plan. It pays on my death and pays at the end too, and has much higher charges than the one that was promised to me….
Me: What all did you do?
C: I screamed at the branch manager (the girl who sold the plan to me is now a branch manager in another branch)…then complained to the insurance arm, wrote a letter, and am now planning to complain to the Ombudsman.
Me: If you are so smart, why did you do the super stupid thing?
C: I have not done anything STUPID Subra, mind your tongue.
Me: Oh la la la. You surely signed the BLANK form did you not?
C: Oh….that…..yes…..well,….er….but….lekin, kinthu, paranthu,……………
Me: I rest my case. I think you deserve to be cheated, so pay up the premium for 5 years…..and have fun….
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