Misleading by Etiqa Takaful Agent

kiwishan — Sat, 26 May 2012 12:02:25 +0800

I am mislead by a agent in 2009, now ady 4 years, I have paid RM7200, he promote me the mesra plan and claim that this is saving plan and can withdraw anytimes i wish, now i just realise is life insurance plan... Omg!!!I can only get back RM1000++, I have complaint to Takaful and they refuse to pay back the money and will not entertain my appeal anymore. I go to this website and found many of people have been cheated by agent by giving wrong information of the plan to earn commision, details you can go to Don't get cheated: Etiqa Takaful Mesra Plan

Any one is same situation with me and still haven't claim the full refund? Please complaint to bank negara and Kementerian Perdagangan Dalam Negeri.My another insurance agent said together we complaint, the higher the chance we can get back our money, what you should do now:

1. send an email with title Complaint Misleading by Etiqa Takaful agent to bank negara, email address: bnmtelelink@bnm.gov.my

2. send a complaint letter to Takaful Etiqa customer services centre, but they will probably tell you they will not return the full amount, or same situation with me, ask me wait 2 weeks and send a letter said they refuse to refund and will not entertain the appeal anymore.

3. Go to this website, click hantar e-aduan baru, fill in the e-aduan and your details case to Kementerian Perdagangan Dalam Negeri, they will reply you very soon,
E-aduan

Just want to help those who are same situation with me but don't know how to do. Thank you...Good luck~

[addedon]May 26, 2012, 12:05 pm[/addedon]

this is the sample of complaint to kementerian Perdagangan Dalam Negeri:

IN （date）, I WAS MISLEADED BY ONE OF THE AGENT OF TAKAFUL TO JOIN THE TAKAFUL MESRA PLAN, IN （place）, NAME （name）, IC （Ic no）, （alternative）HP NO , （position, exp：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.

[addedon]May 26, 2012, 12:08 pm[/addedon]This is the sample to Bank Negara

Dear Sir

Complaint about Etiqa Takaful Mesra Plan

I, （name, IC）, 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) by agent
（Name, agent no ).

2. On (date), I was convinced to purchase the Etiqa Mesra Plan by
entire agent at （place）. The agent, （name） 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 （contact no）, address: （home）

Hope can receive good news from you soon.

Thank you.

Regards,
Name

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Misleading by Etiqa Takaful Agent