I want to formally lodge a complaint against Aviva Life Insurance company India Ltd..This company has cheated me since begining.I was given life bond 5 by a sales executive and was told that I can surrender my policy anytime after 3 years without any policy surrender charges.But now, when I went to aviva's office for surrendering the same, I got to know that there are many charges which would be deducted, but till date no one was ready to inform me that what is final amount I am going to get and what would be exact deductions.Moreover, it was heights when I came to know that policy surrender proceeds takes a time of one month.As per IRDA norms, any ULIP if surrendered before 3pm, goes for processing same day and it, takes 3 working days to get the surrender amount.I had surrendered my policy on 1 April 2010 in Aviva's FC Road branch, Pune and the same was received by the officials at 12:02pm.I have the receiving for the same duly signed and stamped.Accordingly I should have received the maturity proceeds by 6 April, considering 2 apr as public holiday and 4 apr as sunday.But today its being 15Apr, i.e exactly 12 working days have passed and I have still not received my policy surrendered amount.Also, when I called up customer care, they told me it will take around a month to get the same settled, since systems are down.I have also lodged complaint for the same no. being PROB_04/09/2010-7141, but till date I have not received any revert from them.Every time when I call, I have been given the same excuse that systems are down.My simple question being, does this company functions manually or whenever their's a complaint, systems donot function??Or systems automatically work when there's a new login??This is the worst ever experience I have ever had with any company.Such callous behaviour is not expected by a company which is being promoted by Dabur Group, and from Aviva, which is UK's largest company.Such pathetic service levels only leads to more and more customer escalations and bad word of mouth publicity.

If anyone has some information, kindly share the same with me, so that issue can be resolved on urgent basis