Bajaj Allianz
Reviews and Complaints

i want to discontinue my policy what is the procedure

Plz plz dont believe both TLC and Bajaj allinz. They are promoting one of the very bad product in the market. I have paid 10K per year. After successful completion of 3 year, now my fund value is 18K only. They swallowed my 12k so far. If you join TLC you are not only going to lose your money and you will make others also lose their hard earned now.

Bajaj and TLC cheating group

I know its a best company so called 'tlc' as I ever met in the earning of money who may be in unemployed, busineiness, in service. what I meant for. its the serviice for the weifare of the people who think for future coarseof action as we dont know what tomorrow will happen as well as for those who mobilise the people for thier family welfare and you know many of the people who are in poor financial background &have faith on his/her selfconfidence with full determination become now in freedom of financial. through this human kind service. so, its better to think today for better tomorrow and join 'tlc' when the moment you know the service details. this 'tlc'dosent make anyone lost whoever joint it will give beneficial to you. well wisher:thangjam milanjoy singh, manipur. my email:thmilanjoy@yahoo.in. please give your feedback who have interested in my comment text.

By government estimates, india has on amorphous middle class of about 312 million people who can afford/really need to have life with health, stability, security and pension benefits. out of 312 million people in india only 22% have insurance. 78% or 243.36 million people have no insurance cover or more than rs. 1450 billion insurance premium market is untouched.

Company is planning to recruit hundreds of sales workers in the coming days. our compensation plan is the most advanced and powerful plan in the insurance marketing industry read more by clicking http://www.tlcnet.co.in/profile.asp and you can also get more information about clicking http://www.tlcnet.co.in/sitemap.asp bajaj allianz had started an network marketing with the help of tlc (www.tlcnet.in), with irda licence.

Anybody to earn money by spending less time this is the way

It has huge potential with huge earning. do it now. or contact me for being a tlc co-ordinator and work for bajaj allianz contact me now – [protected]/[protected] (mohan kumar - co-ordinator).
Or you can mail me at mohan6909@gmail.com

Your Company don't message about 2nd premium and tlc check is not issue in time.

sir, i joined in tlc & i payed in bazaz allianze insurance policy.i got my id no.my id is [protected].my policy no is.[protected].last month i paid but still i did not get any bond & identity card.please give me some help.

tlc chaque not recived in propar time my mobile no.[protected]

hi i join tlc

Tlc created history b4 its launching, now company has come with herbal product like food supliment, in the right meaning company is launching now. so frend get ready to make a huge money, to full ur pocket. I m so excited to this new product and new bussiness concept. its time to rock
Amit jaiswal (tlc coordinator) from dehradun

Dear Mohit,

Greetings from the Bajaj Allianz GIC team! We would like to look into the issue and investigate it thoroughly. We've noted your concern, however to initiate the process of resolution, we would require additional details from you. Please share your policy number along with contact details at help.support@bajajallianz.co.in to enable us to resolve your grievance. Take care to mention reference no. "ORM010107" when writing to us.

You may also post your concern at http://support.bajajallianz.com/support/.

Regards,

Bajaj Allianz
General Insurance

I took my car insurance policy with them last week. In which they didn't mentioned my car engine no /chassis no and they clain it is open end policy. I don't know what it mean. when the claim comes then they will start showing all these small issues. They just care about money and more customers, but customer support at all. I called them som many time, till date I haven't received my new policy.

Sir

You have taken help of media coz these Idiots woudnt care for the customer, these are people are the kings of today, in hyderabad people are getting lazy these days, these problems are common in hyderabad, what i think was you should have filed a complaint with police and took the help of media sir, these days these guys are taking it easy, these companies want to make more customers and more money in any way, no propper responce to the customer if any things happens ok sir i will to talk with the manager and i will inform you tomorrow sir, they make us fool repeat the same old story again and again.

Thank Q

Hi All,
My name is Rajesh and i invested 25K per year on 2007, 2008&2009 total 75K for 3 years and i was told by agent unfortunately she is my relative that i can withdraw my amount after 3 years from the policy start year. I trusted her and didn't read any T&C. On 4th year i went to BAL office to surrender my policy and was informed that total fund value is 79K and if i surrender the policy i will be getting only 66K. I asked them that i was informed that i can surrender my policy after 3 years and i wll get my full amount back but they told me to talk to Agent .

I am requesting you all "PLEASE DO NOT CHOOSE ANY PRIVATE INSURANCE COMPANIES" they all are cheeters and the agents are well trained to cheet you guys. Out of 75K of my investiment agent had got 9K as a compensation.

Dear Abraham Alex,
I am so sorry and sad to inform you that my PAN card correction has not taken place till now. The deducted amount is not reflecting into my PAN No. Please do the needfull.

Regards,
Vidyanarayanan A.V

Hi,
Please find my mail date and time i send to BALIC inorder to correct my PAN No. Still i havent received a satisfactory answer, very sad that BALIC has a poor H.R team to look into the problems. Even after 4 months Bajajallianzlife insurance is least bothered about the complaint. Mr.Sudhir Pol landline number - there is no response only.
Hope i will get a reply soon.
Regards,
Vidyanarayanan A.V
Mob- +[protected]

From: vidyanarayanan av [mailto:vinuz002@yahoo.co.in]
Sent: Monday, February 14, 2011 1:38 PM
To: Abraham Alex/HR/C14/Life/Allianz-IN
Subject: TDS not credited to my PAN

Hi,

I was an employee of Balic from 30th May 2007 to 31 July 2009. During the financial year end 31 March 2009 TDS deducted from my salary was Rs 18, 468. Since i had other income i had to file my return seperately with income tax office, kasaragod branch (filed on 30 sept 2009, for Assesment year [protected]) and i had to get a refund of Rs11, 670. Since i didnt get a refund till now i enquired with the IT office and they told Bajaj Allianz haven't uploaded the TDS from their side, So they are not able to view the amount in the system for a refund.

Also i could see in the Form-16 that the Pan card number had gone wrong. Today i got an intimation stating that i need to pay a fine of Rs 8, 600 in 30 days time. So i request u to correct it and uploaded to my PAN card ASAP.

Note: 1) Find attach of my Form-16 and my PAN card.

2) Also correct the Pan card no. for the next financial year (Assesment year [protected])

With Regards,

Vidyanarayanan A.V

Narayanniam,

Puthiyakandam,

Anandashram (P.O)

Kasaragod- 671531

Kerala

Mobile +91 [protected]

--------------------------------------------------------------------------------

From: Abraham Alex/HR/C14/Life/Allianz-IN
Sent: Monday, February 14, 2011 1:41 PM
To: Sudhir Pol/HR/Pune_Ho/Life/Allianz-IN
Subject: FW: TDS not credited to my PAN

Dear Sudhir,

Please find the below mail from ex employee. Kindly take up with the finance team.

Regards,

Abraham P. Alex

State Manager - Human Resources

Kerala

Mob: [protected]
Dear Abhijit,

Wrong pan card case. Please check & confirm.

Regards

Sudhir Pol

Senior Executive - HR

Bajaj Allianz Life Insurance Co. Ltd.

GE Plaza, Airport Road, Yerawada,

Pune – 411006

( : [protected]

Human Resources

…Making a Difference!

--------------------------------------------------------------------------------

From: Abhijit Lokhande/Finance/Pune_Ho/Life/Allianz-IN
Sent: Monday, February 14, 2011 5:24 PM
To: Sudhir Pol/HR/Pune_Ho/Life/Allianz-IN
Cc: Abraham Alex/HR/C14/Life/Allianz-IN
Subject: RE: TDS not credited to my PAN

Need to file revised return, once it is done will update you.
From: Abraham Alex/HR/C14/Life/Allianz-IN
Subject: FW: FW: TDS not credited to my PAN
To: "vidyanarayanan av"
Cc: "Deepak Shelke/HR/Pune_Ho/Life/Allianz-IN" , "Abhijit Lokhande/Finance/Pune_Ho/Life/Allianz-IN"
Date: Saturday, 18 June, 2011, 1:54 PM

--------------------------------------------------------------------------------

From: vidyanarayanan av [mailto:vinuz002@yahoo.co.in]
Sent: Saturday, June 18, 2011 1:34 PM
To: Abraham Alex/HR/C14/Life/Allianz-IN
Subject: Re: FW: TDS not credited to my PAN

Dear Abraham,

I called the below mention number of Mr.Sudhir Pol, but there is no response. Pls give a valid number orelse i have to raise a complaint against the company. Pls do the needfull.

Regards,

Vidyanarayanan A.V

Dear Vidyanarayanan,

The revised return for 2008-09 and 2009-10 are already filed. Please check in NSDL site.

Regards,

Abraham Alex
Human Resources
Kerala
Mob:[protected]

I totally agree that the Bajaj Allianz is a crap. I think all the policy holders should raise a legal action towards Bajaj Allianz for their poor customer care.

I Jadhav Hemant Kumar purchased a policy from Bajaj allianz, policy No [protected], plan is Capital unit gain size one. At the time of policy opening representetive promised me that this plan give me 60% to 65% growth annually. I deposited Rs 10000/- annually on 21 Sep 2007, 07 N0v 2008, 14 Jan 2010 and 16 Nov 2010. I totally deposited rs 40000/-. I checked my account on 23 Mar 2011 and found balance Rs 38823.30/-. I ask to Bajaj allianz official staff what are they doing in air conditioned offices, insted of taking care of our money they are sleeping in their offices. I request to other new comer customers instead of investing your money in this company invest in government policies where you get atleast 8% annual growth.
Jadhav Hemant Kumar
Vill/PO - Hupari, Teh - Hatkanangle
Dist - Kolhapur (Maharashtra) 416203
Mob No - [protected]
email ID - hmtkmrjdv@rediffmail.com

Dear Sir,
My name is S.Vasantha Policy No.[protected] dt: 28.03.2008
Pls check my till date policy details & waiting for the replay

I have given the deposit of 12, 000 in oct 2009. Got the policy documnet with some faked identity papers attached as proof..i asked the agent to get the documnet corrected ..he took the document back and promised me to give me my original papers in few week time and after that he vanished. Now it's been june'2010 and i'm still waiting for any communication. I tired customer care number severals time..But their job is just to pass another number to call. When you call other number ...again the concerned person will give you few numbers to contact ..and this process goes on untill you are tired and stop calling anyone. I hope some help here.

My Policy Receipt Number :[protected]
Application Number B 3527316
IC Code: [protected]/Name Chandan Kumar Gupta

dear sir/madam
my name gomati gupta
add: gehloti ki dungari dhola bhata
suary nagar dhola bhata ajmer
305001[rajasthan]
my policy in bajaj allianz life insurance company limited
my policy number [protected]
my policy name unitlinked
data of commencement 06.07.2006
frequerncy annual
sum assured amount 100000
sir my complants for year complacte iam 3 time premium pay 10000
i not recived orgianal policy bound
iam three time complants company policy bounds
so u help me my policy give me
thanks
gomati gupta
cellno [protected]

Dear Sir/Madam,

I have issued a health policy no. 0g10-[protected]-[protected] through a call center executive without my conscent.
I was not willing for this policy. She said that we are sending you the details about this policy through mail. But few days back I got my policy papers done.

Sir, I want to cancel this policy.

Please do the needful

thanking you

Vinod Khanna

Dear Sir/Madam,

My bajaj Allianz insurance No.[protected], We does not recived any document till today 12/07/09 exclude only of slip.

Kindly tell me how we can check my policy on line & please send the bond & an other document releated my insurance.

Thanka & Regards

Seema Tiwari

As there is no contact information, please contact the nos below and we will be happy to help you.

Helpline Number
LIFE INSURANCE
Toll free numbers Standard STD rates apply
MTNL/BSNL [protected] Tel (+91 020) [protected]
Tata [protected] Fax (+91 020) [protected]
Bharti [protected] Email life@bajajallianz.co.in
Reliance [protected] SMS Super@56070

GENERAL INSURANCE
Toll free numbers Standard STD rates apply
Any Landline/Mobile [protected] Tel (+91 020) [protected]
MTNL/BSNL [protected] Fax (+91 020) [protected]
Bharti [protected] Email info@bajajallianz.co.in

I have heared about several such incedents with this company. I heared that they are tied up with some MLM company to market their product. I just want to know whether IRDA has approved such tie-ups. As far as I know the IRDA requires a MIn 100 Hours of training for the agent and atleast 50 hours for the agents under the company which has the corporate agent certificate. I am sure that this is not the case with any of the MLM representative.

Ya Bajaj Allianze is one of the wors t insurers out to loot the customers. For example they have launched tow schemes at the same time New Unit Gain Plus and New Unit gain, with the intention to loot the cutomer of the first year 's fee of 71% for the first scheme where as for the second scheme charging only 24% thus to loo the customer a whopping 47% extra for the second scheme while the schemes were launched at the same time with the same benefits.
Any one subscribing to the Bajaj Allianze policies will be entering inot a transaction with a scrupulous insurere and be aware

Hi,

I have taken a ULIP from Bajaj Allianz they are not providing the unit allotment details.
and they are not providing the commission for the polcies joined through my friend.

If any one know s what I can do this regard please drop a mail.

Thanks
Koteshwar

As there is no contact information, please contact the nos below and we will be happy to help you.

Helpline Number
LIFE INSURANCE
Toll free numbers Standard STD rates apply
MTNL/BSNL [protected] Tel (+91 020) [protected]
Tata [protected] Fax (+91 020) [protected]
Bharti [protected] Email life@bajajallianz.co.in
Reliance [protected] SMS Super@56070

GENERAL INSURANCE
Toll free numbers Standard STD rates apply
Any Landline/Mobile [protected] Tel (+91 020) [protected]
MTNL/BSNL [protected] Fax (+91 020) [protected]
Bharti [protected] Email info@bajajallianz.co.in

private insurance companies means business not customer satisfaction and loyalty.you made a blunder believing in private players when u have LIC at your door step.

I have taken a car insurance policy on 15th April. The agent collected the documents and within an hour, they made me to make the payment through credit card promising that I will get the policy document in next 24 hours. Today May 24th and still I am waiting for the policy. I have tried to contact many people in Bajaj Allianz and i never get a proper reply from them. I was able to contact some people who had contacted me for the policy and whenever I call them they were updating that I am sending the policy in another 5 - 10 minutes. After minutes, hours, days, weeks and even after months, still I am waiting for the policy. Today I came to know that policy is not yet activated. Without knowing that the policy not activated, I took the vehicle for a two week interstate trip. By God's grace, nothing happened. See how these people are cheating the customers. I am planning to log a compliant in consumer court on this.

K G Balakrishnan, Bangalore [protected]

Dear Sir,
Hope you have received our mail regarding the dispatch of your Policy Documents and your issue has been resolved.

Regards,
Bajaj Allianz

Dear Mr. Balakrishnan,

Sorry for the inconvenience.
we have received your request and working on it.
Please give us some time to get back to you regarding the same.

Regards,
Bajaj Allianz

Dear Balaji,

As you don't have any complaint as of now with Bajaj Allianz, we are considering the case closed.

PLEASE DONT GO FOR ANY BAJA ALLAINZ RELATED PRODUCT

I never came across such worst company ever. This company is clever in fooling the customer while buying the product and they will not explain anything about the policy, after few days you will come to know what is there in the policy. Because i had such worst experience.

I bought a new car TATA INDICA and i have insured in this worst company. My car met with accident with in a month from date of purchase. So go for claim and i called claim department for claiming. They also surveyed and accepted for my claim. I got repaired my car from concorde motors. One week later my agent NANDAGOAL call me said that ther is additional compulsory detuctable in your policy and you have signed. But while filling the form i have seen ther are two deductable. In one detuctable column they filled Rs.500 and in another detuctable column they filled Rs.0 . Later my agent changed that detuctable from Rs.0 to Rs.10000.(they are clever because they will mention the amount in number not in words). Like wise i have been cheated .

Then i called to customer care and raised complaint against this. But they are irresponsible and ignored this issue. Finally i decided to quit BAJAJ ALLAINZ. I ask for confirmation mail for cancelling the policy. But still they there is no mail and they want to snach extra money from me.

So i advice not to go for any kind of policy in BAJAJ ALLAIANZ.

Hereafter there will be relation with BAJAJ ALLAIANCE

I had a similar case with bajaj allianz motor insurance. I got my car insured. The papers never came. The agent was unreachable. After calling up their office 2-3 times, i got the papers delivered.

And then i had to literally fight with them for the freebies that they had promised with the insurance - service coupons, etc.

The branch office denied my claims to the freebies the agent had offered. And then i called up the head office in pune. Mailed them. And finally after numerous phone calls, i got some coupons.

No more insurance from bajaj allianz for me.

I have taken the most unfortunate decision for my Fiat Palio, that is taking the worst insurance company with 3rd rate people working for it.

I have my car waiting repair for an accident from the past 1 month. The surveyer is an independent one his name is Thippeswamy who has the ost un professional way of work & no manners at all. He has even Abused me with choisest of foul language when I asked him to visit the garage and survey the part which he says does not need replacement. The mechanics have told me and him that the damage is done internally & its best to replace it as it could cause loss of control of the car but his arguement is that its not that damaged and it looks fine so fit the same part back and then if in case after measurement taken shows isssues then we can look for replacement. Is this how one works?

He absued is one also tells me that I can do what I want he will see that nothing takes place with out his permission. On compaining to the Manager Prakash he sends another person who like a parrot repeats the same and walks away. I had requested to be informed when the person will inspect the car & was promised the same but later I was told that its already being done and nothing changes.

First I was promised 24/7 support.. but it tool Bajaj Allianz 3 days to communicate and accept my claim. This is service.

I am going to file multiple cases against Individual and the company for negligent service, Forcing to have an Unsafe car on the road to save few rupees and defamation against the survyer.

Third Class Company with Pathetic service

Is anyone here able to help me out with this comapany?

Ashish
ashish.jadhav82@gmail.com

As there is no contact information, please contact the nos below and we will be happy to help you.

Helpline Number
LIFE INSURANCE
Toll free numbers Standard STD rates apply
MTNL/BSNL [protected] Tel (+91 020) [protected]
Tata [protected] Fax (+91 020) [protected]
Bharti [protected] Email life@bajajallianz.co.in
Reliance [protected] SMS Super@56070

GENERAL INSURANCE
Toll free numbers Standard STD rates apply
Any Landline/Mobile [protected] Tel (+91 020) [protected]
MTNL/BSNL [protected] Fax (+91 020) [protected]
Bharti [protected] Email info@bajajallianz.co.in

nothing to be result getting...

visit blog page: http://madlani.blogspot.com

Bajaj Allianz is the worst compnay for customer service.. I never saw a company like this...

no one is ready to help me just says i am from different dept then why the hell have you a website and taken my money at the the time of taking preuim there are no dept i am pasting the chat convertsation which i had with your exec who was useless and desite of me being online no one responed to my query

Bajaj Allianz says: Kindly contact the below mentioned contact no. please.
I said : no answer yet
I said : will some one answer
I said : so who should i speak to and who will give me deatils of my policy
Bajaj Allianz says: Cash Gain policy comes under life insurance.
I said : last time i spoke the agent asked me to give policy number this time when i give u guys policy number no one is helping u guys are confusing me with this is general insurance i gave u policy number tell me which insurance i belong too
Bajaj Allianz says: Currently you are chatting with Bajaj Allianz General insurance company.
I said : will someone answer my question
Bajaj Allianz says: Currently you are chatting with Bajaj Allianz General insurance company.
I said : which company does this site belongs to ? pls answer
Bajaj Allianz says: As we are from General Insurance Department.
Bajaj Allianz says: We have no information regarding Life insurance
Bajaj Allianz says: We wont be able to comment on the same.
Bajaj Allianz says: We regret for the inconvenience
I said : pls undersatnd my query furst i am asking u to explin my policy to first what is it all about
Bajaj Allianz says: Our executives here will cater to your needs.
Bajaj Allianz says: Kindly contact the below mentioned no.
I said : who can i talk to
Bajaj Allianz says: Or else you can visit the Life Insurance web site i.e. www.bajajallianzlife.co.in
Bajaj Allianz says: However we request you to kindly contact at our Life Department on 020-[protected](Chargeable)/[protected](MTNL & BSNL - Tollfree)[protected] ( Tata Toll free)[protected](Bharti & Airtel Toll free)[protected](Reliance Toll free) for your query.Pls c
Bajaj Allianz says: Sorry for inconveniance! We won't be able to comment on the same as we are from General Insurance department and your query related to Life Insurance
Bajaj Allianz says: The same comes under life insurance policy
Bajaj Allianz says: YEs sir, please be online
I said : is any one there
Bajaj Allianz says: Please feel free to get back to us on chat or write us at info@bajajallianz.co.in / callcentrepune@bajajallianz.co.in incase of any further queries.
I said : there is no alphabts in starting only nuber is mentioned cashgain platinum policy number [protected]
Bajaj Allianz says: Kindly confirm the policy number, the policy no starts with OG
I said : i think its accidental death policy i wanted to know if i can chnage it
Bajaj Allianz says: May we know the product name please
Bajaj Allianz says:
I said : pls give me details my policy number is [protected]
Bajaj Allianz says: Kindly let us know if this query is with regards to Life or General insurance.
I said : hi i spoke to exec 2 days a ago about my policy
Bajaj Allianz says: May I Help You Please !
Bajaj Allianz says: Good Evening
I said : imtiyaz from mumbai ( [protected] ) is here
Bajaj Allianz says: Hi ! Welcome To Bajaj Allianz Live Discussion, May I Be To Your Service Please !

Compute Premium / Pay Online / Buy Insurance Online in 3 Steps!.
Home Insurance Health Insurance

Mmm, yeah, I guess so. You know, I took a birla sunlife insurance from Citi, the folks there were pretty helpful, they came in sorted out a few plans and gave me nuff room to take a call on that.

Dear Customer,

We request you to mail us your contact no & policy details on help.support@bajajallianz.co.in.
We will be connecting with you on priority to better understand and address your concern.

Yours sincerely,
Bajaj Allianz
Life Insurance

I have one policy in TLC-Bajaj Allianze i have paid two premium. now i want to cancel my policy and return back my money. If it is possible? then what is the procedure?

pls dont trust bajaj allianz... As a employee of bajaj i am telling this... Lakshmi

My name is Vinod Asalkar.
My Policy No: [protected] and Plan is New Family Gain.
I am from Parbhani, Dist Parbhani Maharashtra.

My Agent Name is Maneesha Sharma, Parbhani Maharashtra. I don't know agent code.

My Policy started on 28/10/2006.
I have paid three premiums and my agent told me that there is no need to pay more.

From April 2011 I have started to contact my agent to get the status of my policy.
She failed to tell even my policy no. and my policy status as she left the work at that time.

So I contacted Bajaj Allianz on their customer care number [protected]) and email ID (life@bajajallianz.co.in).
No one has replied me.

Today I got a letter saying that "Your Policy has Terminated" and a cheque with not even 10% amount of paid to my total premiums.

Can anyone tell me what is happening to my policy and why?

Thanks
Vinod Asalkar
+91 [protected]

To,
The Manager,
Bajaj Allianz Life Insurance Co.Ltd.
4th floor, Arihant Complex, Nagar Nigam Road,
Sigra, Varanasi- 221010
Dear Sir,
Subject : In-operative policy no. [protected] assured in the name of Miss Nandini
Girdhani & pol. holder Dilip Kumar.
The above policy was commenced on 28.12.2006 & the last payment made on 28.09.2007. The further premium could not be paid as no one could locate the details in your office inspite of several visits.
Kindly let me have details of the premium due to the continue policy. If the same is not possible kindly refund my deposits with applicable interest within a one month on receipt of this letter, otherwise I shall we compelled to go into the shelter of consumer forum or concerning court for which you will be wholly responsible for all kinds of losses & consequences, please note it carefully.

Kindly acknowledge receipt.
Thanking You. Yours Faithfully,

(Dilip Kumar)
Policy Holder
EB-272 Badi Gaiby
Mehmoorganj, Varanasi
(U.P.) Pin - 221010
Mb.-+[protected]
Phone-[protected]
Email-makhanvns786@gmail.com

horrible servise, i've taken totally 3 policies but now i deeply regret... im talking abt the kerala, calicut, cherooty road branch... my policy no. [protected], u can call me to find details, my landline no. [protected]...

iski to main - - - - - - - - chod dunga

Bajaj Allianz is a chodu company in insurance sector

Ha, Ha Ha, Bajaj allianz manager Jeethendra and advisor Mrs. Sujatha have themselves agreed that, they have not understand the Bajaj allianz terms properly not even 30% they say.

I 'm abraod, while i was in kochi I had applied for insurance with bajaj allianz ...but it got rejected ...dont know the exact reason. for the refund ...they send a document it is rejected, we are following up for many months they said all vague reason s like manager out of town, already send to your bank etc etc...then finally ...they said i hav to go and sign one document i did that on my last visit ...now they saychq is already collected from J. Nagar branch in banalore( head office) and gave some chq no's what to do ...any idea? arundubai@hotmail.com +[protected]