被Agent误导购买Etiqa Takaful拿不回钱的请进来

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kiwishan

2012-5-26 11:44 AM

本人在2009年的时候在jusco wangsa maju被takaful的agent骗了加入他们的takaful mesra plan 计划，他说这个之前只开放给土著的储蓄计划，当时我才18岁，他说这是高利率的存款计划，每个月存RM200就可以拿到至少5%的利率，还可以随时拿钱出来或者停止存款，现在开放给华人，随时都会关闭开放，我和我朋友在他的教唆下就给了RM1200存款加入这个计划了。
那天我要拿钱出来，才发现我被骗了，华人竟然出卖华人！！这个根本就是life insurance plan, 不是saving plan,我已经给了RM7200，如果我现在terminate只可以拿回1k左右，其他6k是进去回教户口的！我打给agent 已经找不到人，才发现他们已经换人，那个人一直叫我继续这个计划，不然会很亏，上诉也没用，然后我就寄信去总部还有打电话去投诉，结果他们说给14天他们调查，然后就回我一封信，说他们拒绝全数退款，还说他们不会再entertain我的上诉。

我打给我另一个公司的agent,他说拿得回的，教我寄信给bank negara,还有贸销部，说之前那些人就是这样拿回的，他已经帮两个人拿回钱了，我昨天已经投诉了，果然很有效率，马上回复我的投诉，也开了profile跟进，谁和我有同样遭遇的朋友，可以一起投诉，这样我们的胜算就更大了，方法如下：

1. 如果你之前还没投诉去etiqa总部，先写信还有email, 可以的话上门还有电话都可以complaint,不过他们多数不受理，因为我也是这样，他们会答你之前寄了封像survey的信去你家，给你15天时间取消和全数退款，可是我没收到啦，你们可能有看过...

2. 他们不受理的话才email去bank negara bnmtelelink@bnm.gov.my 或者寄信到以下地址，说你的case还有投诉了可是etiqa的人拒绝负责任：
Laman Informasi Nasihat dan Khidmat (LINK)
Bank Negara Malaysia
P.O. Box 10922
50929 Kuala Lumpur
Tel : 1-300-88-5465 (1-300-88-LINK)
(Overseas: 603-2174-1717)
他们很有效率的，3个工作日内就回回复你了...
3. 最后就是到国内贸销部这个地址，http://e-aduan.kpdnkk.gov.my/int ... d=MASTER&lang=2 ，然后按hantar e-aduan baru, 填写表格投诉，他们会帮你的case开file,然后寄给bank negara要他们解决我们的事情之类的,我当天寄当天就回复我了...
不会的话可以问我，我乐意帮忙，我post我的sample给你们参考，我也是上网看别人的信自己改改的...

kiwishan

2012-5-26 01:54 PM

这是我写给贸销部的：

IN （日期）, I WAS MISLEADED BY ONE OF THE AGENT OF TAKAFUL TO JOIN THE TAKAFUL MESRA PLAN, IN （地点）, NAME （姓名）, IC （身份证）, （知道的话可以放）HP NO （联络号码）, （那人的职位- 例如：GROUP SALES MANAGER OF SECURE CORPORATE SERVICES SDN BHD）.

HE GIVE ME THE WRONG INFORMATION , BY SAYING THAT THIS IS A TYPE OF HIGH INTEREST SAVING PLAN THAT OPENED FOR MUSLIM ONLY BEFORE, AND NOW OPEN FOR NON-MUSLIM FOR LIMITED TIME ONLY. HE TOLD ME THAT THE PLAN IS VERY BENEFITIAL, IS A SAVING PLAN, YOU SAVE RM200 PER MONTH AND CAN GET HIGH INTEREST RATE OF AT LEAST 5% PA, AND HE SHOW ME THAT IF YOU CAN PUT FOR 30 YEARS, YOU CAN TOTALLY GET RM 165,517.24 AT THE END OF THE 30 YEARS.
HE ALSO TOLD ME I CAN WITHDRAW ALL THE MONEY I SAVE ANYTIME I WISH AND I CAN STOP SAVING OR TERMINATE ANYTIME I WISH, WITH FULL WITHDRAW OF PREMIUM AND SAVINGS.

RECENTLY, I WAS FACING SOME FINANCIAL PROBLEM AND I WISH TO TAKE OUT MY SAVING IN THIS ETIQA MESRA PLAN. HOWEVER, AFTER CALLING THE HELPLINE CENTRE, I ONLY FOUND THAT THE PLAN I PURCHASED IS A LIFE INSURANCE PLAN AND NOT A SAVING PLAN. I CANNOT TAKE OUT MY PREMIUM PAID TO SOLVE MY FINANCIAL PROBLEM NOW.

I COMPLAINT TO THE CUSTOMER SERVICES CENTRE AND THE HEAD OFFICE, THEY REFUSE TO REFUND THE MONEY TO ME AND SEND ME A LETTER SAID THAT THIS IS THEIR FINAL DECISION, THEY WILL NOT ENTERTAIN ANY APPEAL OF THIS MATTER AND ADVISE ME TO CONTINUE THE PLAN.

I'M NOT SATISFY WITH THE REPLY, AND FEEL LIKE BEING CHEATED. HOPE YOUR PARTY CAN HELP ME REGARDING THIS MATTER. I HAVE ALSO FORWARDED THE COMPLAINT TO BANK NEGARA AT THE SAME TIME.

bank negara 的 sample:

Dear Sir

Complaint about Etiqa Takaful Mesra Plan

I, （姓名，身份证）would like to complaint about
misleading selling concept provided by Etiqa agent and request for full
premium refund for my Etiqa Mesra Plan(Policy No: 保单号码) by agent
（姓名，代理号码agent no ).

2. On (时间), I was convinced to purchase the Etiqa Mesra Plan by
entire agent at （地点）. The agent, （姓名） told me that
this is a saving plan with high return and I can stop this plan anytime
with my entire premium paid fully refunded.

3. Recently, I was facing some financial problem and I wish to take out my
saving in this Etiqa Mesra Plan. However, after calling the helpline
centre, I only found that the plan I purchased is a life insurance plan and
not a saving plan. I cannot take out my premium paid to solve my financial
problem now.

4. I have complaint my matter to Etiqa Takaful Berhad, however, they refuse to refund the full amount I paid, and said that they will not entertain this matter anymore.

5. Etiqa as a big company in Malaysia, I hope that Etiqa will allow me to
stop this plan as soon as possible with my entire premium refunded. I hope
that Bank Negara can take some action against the misleading selling
concept provided by Etiqa agent.

5. My contact number is （联络号码）, address: （地址）

Hope can receive good news from you soon.

Thank you.

Regards,
姓名