Jagoinvestor
May 24, 2012
IRDA Fraud Calls – Beware of fake phone calls
There have been too many fake phone calls in the name of IRDA these days to many people. It have been noticed that these IRDA fraud calls are made by anonymous people claiming that they can help you get your money back for your Insurance policies which have become a big headache those those who invested in ULIP’s traditional policies without understanding them and are stuck in those plans now. They know that IRDA is a body which handles them (do they?). At times investors are so fed up with their policies, their life situations and are so desperate to get help that they believe anyone who claims to help them.
So some very smart people starting calling up people claiming they are from IRDA and they can help them in getting back their money back or showing some kind of hope to help them. There are several instances where some people lost more money falling for these calls and believing in them. Lets see some examples of these fraud calls and how investors again believed them without doing their study.
Fraud Case 1 : Deepak lost Rs 25,000
I also Received a call from a number 01206470443 saying that he is from IRDA and I will get a bonus of atleast Rs. 20000- for the insurance policy that I had taken few years back from hdfcsl. However, I had to make an investment of Rs. 25000/- for birla sun life insurance company. but i have no recieved documents of birla sun life insurance company. Any one can tell what I do for my payment back. (link)
Comment
It was very obvious that their was a fraud done with him and he had either signed some cheque or given DD to someone without understanding what he was doing. He must be very excited to get back some bonus (which didnt exist). He
Fraud Case 2 : How S Dash lost 51,000
I received a call from a lady named Riya Malhotra who said she was from IRDA. She said that IRDA is helping out investors in getting back their long stuck up policy funds. I had one Bajaj Allianz policy which I wanted to close. She said she will help me do it if I take a new policy from Kotak Mahindra or Birla Sunlife
She said that this is a five year term, we pay one-time 51000 now (no more premium payment till 5 years) and we will get 50% of the 51000 in 45 days and after 5 years we will receive approx 76000. However we will get a life cover till I attain age of 100. Moreover we can also recover any insurance amount which we are unsatisfied with within 45 days also. It’s already more than 50 days since I made the payment of 51000 by cheque but I have not received any communications from her. I try calling her @ her mobile. No answer.
Please suggest what should I do? (link)Comment
Note sure whom did she write the cheque for ? There was no rational on choosing a new policy just to get back the money from old policy, there is no relation between both policies.
Fraud Case 3 : How Vikas Lost Rs 3 lacs
Mere pass call aya ki birla sun life me policy one time karane par ek verna car gift ki ja rhi hai , lekin rupees cash dene hoge maine three lakh rupees de diye lekin aaj ek mhina ho gya na to koi bond paper aaya h na hi mere paise sir plz me kya kru (link)
Comments
I have no idea how a person can believe that if you if you buy a policy , you will be gifted a car ! . Thats too guaranteed ! , That too by giving cash ! .. While this was a fraud call , there was some common sense expected too !
Fraud Case 4 : How Sumit lost his money
In last December 2011 I got a call from IRDA (from number 0120-3050600 saying they are from IRDA) saying that your last policy premium will be recovered as we are from IRDA and we will give one regulatory to Birla Sun Life to return your money back but I’ll not get this amount directly to my account. What I need to do is to take a policy from Aegon Religare for the same amount Rs 36000. This policy will be actually for 16 years with 10 years locking period. But Due to IRDA intervention your policy will be for only 3 months locking period. Your first year premium will be paid by amount from Birla Sun Life policy and I need to pay another Rs 36000 as current year premium and I need to pay next year premium and then 4th year I can withdraw the amount which will be around 1.6L due to some calculation. Over and above that they committed that company will pay agent commission to my account which will be 25% of yearly premium. They will bypass agent from my policy.
They were continuously in contact with me till 18th Jan that I’ll get a separate statement. They know that I can cancel the policy within 15 days of receiving the documents so they were contacting me so that I’ll be convinced and cannot cancel the policy. But after 20th Jan they are neither picking my call nor calling me. So they have found a new way by picking weak vain of customer by giving promise that old lapsed policy amount will be recovered as well you will get agent commission. I had taken this policy bcaz of tenure will be 3 years as well as I’ll get agent commission with last policy lapsed amount.
The person whom I was in continuous contact was Anjali Oberai. Her mobile number is OXXXXXXXX and direct landline number is 0120-4396848. I have called many times on these two numbers to her. Before 20th Jan she entertained all my calls but now she is not picking my call. Also same policy benefits were explained to me by Neha Chaturvedi one of senior person of IRDA from Hyderabad. Anjali Oberai represented Neha Chaturvedias senior person from IRDA from Hyderabad and she came to NCR for some time. Many times I had doubt on them but due to greed of recovery of my loosed last policy amount and getting agent commission I was cheated by them. I know it’s completely my fault. But I would like to take in focus of all so that nobody can be cheated. (link)
Comment
I can see a clear gap in understanding of how life insurance industry works and too much faith in stranger who called up on the name of IRDA . If the policy was really taken from Aegon religare , it should be checked who was the agent in this whole process and nab him/her.
IRDA has clearly issued a notice saying that there is no initiative from IRDA like this
Insurance Regulatory and Development Authority (IRDA) is a regulatory body established by an Act of Parliament to protect the interests of the policyholders, to regulate, promote and ensure orderly growth of the insurance industry and for matters connected therewith or incidental thereto.
Some instances have been observed by the Authority that general public are receiving calls from individuals who claim to be representatives of IRDA and offering insurance policies of different insurance companies with various benefits (such as offering of scholarship along with policy etc.).
The general public is hereby informed that Insurance Regulatory and Development Authority is a regulatory body which does not involve directly or through any representative in sale of any kind of insurance or financial products. Any person making any kind of ‘transaction with such individuals/agents will be doing the same at their own risk. If any member of the public notices such instances he/she may lodge a police complaint in the local police station.
Sd/-
(Kunnel Prem)
Consultant and Special Officer (Life)
Don’t fall for IRDA Fraud Calls
IRDA is just a regulator for Insurance sector. They do not make any calls acting as mediator between you and company. All they can do is direct a company for some matter or ask them to follow a guideline. But they never work on individual cases and send people to collect money from you. Even if it did , it will never ask for Cash or any kind of cheque on personal names. These kind of calls are purely fraud done by those who know which policies you have (known somehow) and then they just try to see if you can fall for their false promises. Use common sense because making payment to anyone like this, do not pay any attention to these IRDA Fraud Calls.
Similar experience. Lady called Sunaina Singh posed as an official from IGMS office Delhi (phone number 7348764538), and said unclaimed Combined Provodent Fund amount in my late dad’s name to the value of Rs.3,50,500 is due to me as benificiary and had been forwarded form the respective state to the central department. She wanted details like PAN, Aadhaar, Cheque book leaflet with A/c number and passport photos to be whatsapped immediately, following which I would need to pay tax of Rs. 35,050 (which would be refunded in a day!) and the unclaimed PF amount would then be credited into my account. She then wanted various other details from me regarding my dad’s workplace details etc., which raised a few doubts in my head and made me doubt the call. On asking for the person’s credentials she gave me these ‘Helpline’ numbers 9355428208/9355428217 and that i could speak to the “officers” there who would then connect me to her again. I tried checking the IGMS site for confirmation, but the site was down. I then called up IRDA and when i informed them about the call – they clearly said that it is a fake call and that IGMS si only a online complaint registration site and that no one would ever call from there.
Thanks for sharing… Do not fall for these kind of fake calls
Exactly same incident happenned to me (my Father) on May 14th (last week). This time, the lady posed as Sonya Singh (and her apparent supervisor was Anamika Sharma). The amount (3,50,500), and the “payment” (35,050), and the context (Combined PF) were all the same, although she mentioned, the “payment” would be towards an ICICI “health policy” of 2 L cover for 2 years, which would be returned back, if we dont want it. She asked for Aadhar, PAN, Photo of my Father (and myself, since she would “nominate” me). She even gave me a “File #” and a “Secret and Confidenial” PIN # (!) and asked me not to divulge it to anyone but to her supervisor.
Everyone, please beware of such calls, and dont fall prey. They will have variations of such tactics, and even if one person falls for the bait out of 100, it would be enough for them.
Now, few items, that caused suspicion. (1) She called on a 2nd Saturday, when Central Govt does not function (2) She kept calling us again and again, Sat/Sun/Mon… i mean, which Govt office would be “behind” you to give you the money 🙂 (3) Checking out the IGMS website does not list any of these contact #s (4) Moreover, Govt typically expects all documents in hardcopy via speedpost, and not on WhatsApp (5) Govt normally does not have WhatsApp helpline #s (6) though the CPF context is an interesting angle, i could not find any reference to it when i searched whether any such schemes exist
Myself Dr Ashwini I invested 1,07,000 in maxlife monthly investment plan yearly in 2019 mrs Shruti Mishra create a compaint no for TPC i.e total policy cancel no then she give me a no igms dept Hyderabad 9911953791 Mr Rajiv Agarwal his assistent name Mansi mittal asking for 31500 rs charges to refund my amount in my acount within 10 days she ask me some document adhar pan, photo etc.aaj meri satrkta se Bach gyi plz aab b yese logo k fase m mat pado
Thanks for sharing
Similar experience today with my dad as well. The same amount (350500 Rs) and the same details asked for. I spoke to them and when they said IGMS, I was wondering why IGMS is involved in this. I asked them to send details over an email, which they refused and wanted to submit all the documents for verification.
Thanks to all of you who has posted it here which actually helped me to confirm the fraud.
Great to know that this info helped you !
Personal loan cheating from me 2250/- he’s mobile no is 8196126839 name krishna kumar and 8957720759 karmraj phonepay I was transfer amt 2250/- he has been colect amt did not relised loan pls kaindly take acction immidiatly it’s my request sir .
With reference to Mayank Batra’s incident that he explained above on January 4, 2021 at 10:52 pm.
Similar incidents have happened with me also…
– 1 Week back I got a call from some person who asked me if I am facing some issue with any of my existing policies. I said I have LIC and ULIP and both are doing well. I also told him that ULIP is not giving me that much benefit but that is ok.
– On monday (15th Feb) I received call from Bajaj Allianz (#8826805881) This number shows as spam and fraud on the truecaller so I did some timepass with him also told him all wrong details about me like wrong DOB, wrong nominee, wrong name of wife.- He again called me in the next 20 mins and now he had all my correct details. He had all my data on behalf of my mobile number. Then he told me the same thing as Mayank explained like the ULIP i have is investing only 70% of the amount in the market and the rest 30% is going directly to the agent.
(In between all these processes I kept getting auto generated emails from Bajaj Allianz)
– He suggested that he can help me get rid of this policy and I can raise my complaint to GBIC and GBIC will help in this regard.- After 30 mins he called me again and gave a complaint id which is bali_004459. He suggested I keep this id handy as when I will get a call from GBIC, I would have to mention this ID to them.- Next morning near 11am I got a call from Manish Malhotra (#8800629704) who claimed he is from GBIC.
– He suggested that he will send requests to 24 companies including HDFC, ICICI, AVIVA, Reliance etc and once the company reverts, he will follow the TPA process.
– Later on my existing ULIP’s all funds will be transferred to the new company along with their guaranteed plans of 10-15 yrs and with diff locking periods like 3, 5, 10 years.
– Older ULIP’s fund will also include the agent commission.
– I told him to move forward with “reliance guaranteed money back plan” where I had to pay 55k + 4.5% GST as one year premium which is near 57k.- He directly connected to Reliance Nippon Life and got an application number generated.- He sent me a link to put these details and go ahead with the payment. The link is https://customer.reliancenipponlife.com/pdcSelflink/ . This link is genuine from Reliance itself and after filling a 3 field form, it shows my name as well.
– Pressing the “Pay Now” button it forwards to diff payment options.- I stopped here yesterday and did not make any payment.
I can’t understand why GBIC guy is so desperate about this TPA process that he is calling me 3-4 times a day?
Why is he always calling from a single mobile number?
Bajaj Allianz guy is also calling me desperately while it is a loss for his company!
What could happen I have made this online payment, as payment would have gone directly to Reliance Nippon Life? Is there a nexus between these fraudsters and Reliance OR this all was a genuine process?It’s been 4 days now, I am still getting their calls but not picking the phone.
How to cross verify all these incidents?
I think this is mainly fraud, but you might get reliance on genuine policy and they might run away after collecting their premiums.. Did you check with Reliance on who is the person who got this link from them?
Manish
I received a call myself today, same details of complaints number & same phone number – how stupid of them 🙂
– He suggested that he can help me get rid of this policy and I can raise my complaint to GBIC and GBIC will help in this regard.- After 30 mins he called me again and gave a complaint id which is bali_004459. He suggested I keep this id handy as when I will get a call from GBIC, I would have to mention this ID to them.- Next morning near 11am I got a call from Manish Malhotra (#8800629704) who claimed he is from GBIC.
Hmm.. fraud call!
Hi I got a call from some one and he said that he is calling for IGMS delhi, asking details about my father and said his name is Dhiraj Kumar.
Fraud call
I recieved a series of call –
1. I got call from GBIC – asking about which insurance company I am using and are they updating about policy details regularly. Then they registered a complaint against LIC (as my policy was with LIC).
2. Next Day I got call from LIC – AJIT RANA – 7042297345. He persuaded me that I am having loss in this policy and I should do something as most of my bonus amount is going to agent commission. He had all my details already (I only shared DOB). He then raised a complaint from behalf of LIC – with complaint number and told me somone from GBIC will call you.
3. I got call from GBIC – RAJAT MALHOTRA – 7534068817. He asked me the compliant number and gave me an option to change INSURANCE company TPA under 64C section. The TPA option he explained was too much beneficial that is where the doubt started. I told him I will let you know.
4. After 2 days I got call again from LIC – AJIT RANA – and told me that complaint is cancelled. I should choose the TPA option immediately so that complaint can be activated again. Now I was sure there is something wrong. I denied .
But they had all details – Policy number , phone number , agent commission , invested amount , tenure.
I gues its a fraud call.. Data is leaked here .. don’t entertain them
I know it is a silly question to ask. But if we lodge a complaint against such fraud. Is there a possibility to get the amount back. One of my family member has become a victim of such fraud and I am trying to help him with this. He has invested some large amount.
If the fraudsters are caught and the money is recovered , then you can get it back. Otherwise who will pay is the question ?
I have got some calls in both my landline and mobile numbers, from persons claiming to speak from insurance verification department, saying that some dividends are announced in my insurance policy. I have never taken any insurance policy, and i said the same to them and kept the phone…
Today again i got a call from the number 01133242600 a person named vinod agarwal spoke claiming he is from insurance verification department. He asked me that you are cancelling the dividend from your insurance,,,may i know why. I asked him to say my address. he is giving my correct residential address as well.. i told i have received such calls before and i hav already informed i havent taken any insurance like that. He told ‘ aap is tarike se gussa kyu baat kar rhe ho..hum insurance verification department se bol rhe hain’…i was annoyed and clueless what to do. So cut the call..
If suppose i get a call again, i am planning that instead of refusing saying that no insurance was taken by me, i would rather hear them fully and see what they need actually.
Please guide me to find out whether it is fake call. They are having my address and phone numbers already. If suppose they ask for my bank account number etc, is there any way to complaint against such fake phone calls..
You need to reach to police for this. What else can you do !
Hi
I received a call today at my Indian residence, where a person with the name Sanjay Gupta (+91 9136444898) claimed to be from IGMS and stated that I have a tax benefical amount of INR 1,60,850/- that needs to be claimed by me or else the account would be closed within one month. He claimed to be calling from the Central Department in Delhi and that the Maharashtra state government forwarded my file to them for closing it. They said that for me to claim this amount, there are 2 options – one through the agent whereby 72% would be deducted (55% going to the agent and the balance as service tax deductions) and the other option is through direct way (so called legal way), whereby they asked me to send my PAN Card Copy, Aadhar Card Copy, 2 Photos, Crossed Cheque with File Updation and PIN number given by them. Also, I need to pay INR 24,270 (of which INR 24000 would be refunded) and this would need to be issued to “STAR HEALTH” or through other insurance companies like “HDFC, RELIANCE, EXIDE” etc. They said the money is to remove the AGENT COMMISSION CODE on the policies I held with LIC. When I asked them to which address I would need to send the address, he transferred to a senior manager who sensing that I am get more aware of their fraudulent scheme dropped the call and didn’t pick my repeated call to the number.
BEWARE !!!
Hey Allwyn
Thanks for sharing your experience with all of us. It was a great learning.
Manish
Hi All,
I have received the similar call exactely asking the same detail and the similar amount. Beware.
regards
Bhavin
Now instead of IRDA they are saying that they are from NPCI
Beware of below numbers
8586802874
9711040700
Thanks for sharing about this Fraud
Actually i got call from bajaj alliance life insurance and they told me that u will get rs 4 lakh loan but first u have to take life insurance and u have to pay 40000/-
I have done payment by chq of 30000/- and 10000/- cash but they have sent my document to another place my addredd i have given to agent mr vinay kulkarni but he is not submitted the form
From last 3 months i have not receive my insurance document i have call bajaj call centre and email also done but i haven’t receive their single call
Now mr vinay kulakarni mobile no 7506438549 is switch off from last week he told me sir u come to prabhadevi branch but there is no life insurance branch there andu will get your amt back
This is clearly fraud case going on with me i have loat of rs 40000/- i have call cs they said to scan document and sent to bajaj call centre
I will do it but i want to cancel my insurance i want my money bacj i want mr vinay kulakrni to be put in jail pls help me
Hi Shekar
Are you still thinking that they were from Kotak?
They were just plain fraud people who took your money. I wanted to know on which name did you give the cheque ? I hope not on a personal name?
Manish
I received a call supposedly from IGMS advising me to help cancellation of policies which were fraudulently sold to me by agents on the pretext of closing older policies and also protecting my bonus and commission. He is advising me to transfer a particular sum to a third party account which sounds like a company and not individual account. On receiving the amount, he is assuring to get the amount credited to my account. Surprisingly, he has a-z of my policy details.
Its a fraud call !
I received a call from a person who said his name is Deepak Sharma from mobile number 9136269774. As my father died a few months ago he said that my father had policies with bajaj allianz and Exide Life Insurance which had lapsed. the total amount of the insurance policies and the bonus was 8,62,000 rupees and so to claim the amount of insurance i have to pay a total amount of 62000 rupees. He also tried to scam me by telling that i will have to a make a payment of rupees 30000 that day itself or i wont be able to claim the insurance money. I had not idea if my father had any kind of insurance policies so i was skeptical. Please try avoiding calls from these scammers and save your hard earned money….I hope IRDA will take necessary actions against these scamsters
Thanks for reporting this.
I just got a similar call from an individual of GBCI stating my grandfather had a Mutual fund investment. My dad is the nominee and he is asking for the portfolio number to get us the maturity amount . He has correct names of my grandfather and dad. Could it be a fraud?
Yes it might be .. no one calls like this
dear sir,
hame kese pata chalega k I.G.M.S. office se call aaya hai. aur woh call fake nahi hai.
Received a call from +913332637090 informing me about a lapsed policy after paying Rs 30000/- in 2006 with Bajaj Life. I am sure I have not made any such investment and seems to be a fraud call. Beware of this.
Thanks for sharing that
Received a call yesterday and today from some Ankit Choudhury (Ph. No. – 8285166239 & 9212121741) claiming to be from Governing Body of Insurance Council. Said the same thing about bonus declaration which won’t be benefitted by you and was asked to pay 33900 against a policy of Bharti AXA for 90 days, after which the 33900 and the bonus of 68900 will be deposited into my account. Interestingly these people had all details of the policy alongwith the personal details. After speaking to them, decided to check and found this page. Guess its a fake call as they were ready to send someone over to my place to collect the documents.
Thanks for sharing that Sharon
is this fake call or right???
Looks fake
Today call from IRDA, JEEVAN TARA BUILDINGS.NEW DELHI , PAYAL VERMA. phone no. +91-7042674010.
Your father jeevan sathi policy expire. This policy renew for another 45 days. we are send our account number you
are credit Rs.26000/- without mistake. After 45 days. we are credit your jeenan sathi policy credited Rs. 2,51,000/-your account. this is frod call.
Yes its a fraud call
I am writing this to let all the people aware how Reliance Life Insurance cheat and fraud people. Please share this to aware others.
Please do not do any insurance from Reliance Life Insurance.
Specially the Reliance Life Insurance office at Saltlake Sec V, Kolkata, Reshmi Building , Kolkata.
Staffs of this office called people with different cheat and false commitment and cheat them.
Suprio Pramanick the main cheater , Mithun, Sourav, Dhiraj Yadab all are involved in this cheating.
if you complaint Suprio Pramanick and Dhiraj Yadab
called you separately and force and threat you for withdrew the complaint.
They will make you false commitment and when you realise the fact that you have been cheated , by that time the free cancellation period of your Insurance policy will over.
Even if you go there office with written cancellation application they won’t receive and tell you several things and confuse you.
They will intentionally delay just to cross the free cancellation period of 15 days.
Once that period is over every one tell you that your 15 day period is over and do noting.
I made an written complaint and submit to the Saltlake Sec V, Kolkata, Reshmi Building , Kolkata office but they didn’t do anything. Just put it in any conrner or destroy it. Don’t know what they did. Once you complaint there customer care they also tell you about 15 day
period and do nothing.
Even more Based on that complaint
Suprio Pramanick and Dhiraj Yadab
called you separately and force and threat you for withdrew the complaint.
I will Request all of you Please do not do any insurance from Relience Life Insurence.
Specially the Relience Life Insurence office at Saltlake Sec V, Kolkata, Reshmi Building , Kolkata.
Thanks for your comment Joy
Dear all,
I have a Life insurance policy with max life for 13 years now. I got a call a week back claiming that all my dividend bonus are getting diverted by the agent to his account. I need to take action or lose the complete amount. I could not believe and ignored the same thinking it as fake. After a week I got a call again and they asked why I have not taken steps to cancel the agent code, and if I dont act in another 10 days, all the dividend bonus of around 1,69,000 will be taken away by the agent. They informed me that I would be required to pay 17000 for cancellation of agent code and 17000 for NOC, both these amounts were refundable. On both the calls they claimed themselves to be working for Max life insurance where I have taken my policy and were talking in Hindi. Surprisingly, they were able to give exact policy number, name, address and the mobile number. Numbers from where I received the calls were – +911409804397 and 911409804399.
I dialled up the customer care number of Max life insurance and they comforted me that my money is not going anywhere, and there is no concept of agent getting dividend bonus. Any special time bonus to policy holders will be sent through ECS facility if policy holders have registered or will be sent as cheque to policy holder address as per the records. So I concluded this to be fake. Request the readers to be very careful. I have marked these phone numbers as Fake call numbers in Truecaller.
Thanks
Its a fraud call
Yes, Even i received two call today claiming one guys is from Max and other is from GBIC(Government entity). All my policy number and amount was correct. He asked me to deposit 30,000 to create a customer code in Tokyo Insurance company thereby i can claim my agent amount.
Rathor: 9213813820
Max guy: 8459357273
Thanks for sharing that Narayanan
Hi Manish,
I am getting these calls for one of the HDFC policy which I took last year. I wanted to know if there is any way we could trap these people and get them caught red handed?
Please help
I cant think much other than doing the police complaint !
Hello. Thank you for this forum. I received a call today from TATA AIA regarding my ex policy. I have surrendered the policy couple of years back and had done a settlement with them. I received my funds back from them at that time. Now they call me and tell me that not the entire money was given to me and that some of the money which was invested in the market(ULIP) is due to me. I can get this money by buying a new policy which can be cancelled too in the 15 days. Post this i will get the money through transfer of funds through this new policy into my account.
They did not ask for my account number.
They want a cancelled cheque.
A cheque in favour of the company from whom i wish to purchase the new policy(HDFC/TATA AIA/EXIDE/RELIANCE) were some of the options given to me.
Also some other documents like pan card/address proof etc.
Please need a second opinion.
Thank you for your response.
Its a fraud call ..
Dear Manish,
I need a quick response from your end to know that am I getting fool by these calls. I have a HDFC classic assure plan, and in Nov-2015 I received a call from IRDA dept saying that have you gone fool by any of the false commitments by any policies, I explained HDFC promised me something but they provided the policy with some other. So the case has forwarded to HDFC life insurance person and his name is Ajay Mathoor from Delhi, he started calling me and he insisted me to take care of my HDFC policy closure, first he asked me to take ‘Exide LIfe insurance policy for 25,000/- and later he said to take 50,000/- policy and again 60,000/-rs policy I have received all the 3 policies and now he is asking me to pay the divident amount take a policy of 50,000/-. Can you just confirm me is it a fake call or what? Please I am in a hurry. Contact details of the persons involved in this
Ajay Mathoor – HDFC life insurance company, Delhi – 8285053790, 8459301597
Ankit Jain – +91 8459440959 (HDFC higher authority), land line 011
Mayank Sharma from Operation Dept HDFC, Delhi — +91 9310145591
Manish, Requesting you to please help me in this as quickly as possible in order to save my money for somehow. its very very urgent Manish please help me out
You have already been fooled… i am working in lic insurance co and there is no distant possibility of such things.
Seems a fraud call to me !