Consumer Complaint Fraud committed by Birla Sunlife Policy Platinum Plus IV, BSIL

Consumer Complaint
A) I had taken a Birla Sunlife Policy Platinum Plus IV, No 003457745 on 28.10.2009 with sum assured of Rs 2,250,000. All the premiums were duly paid. I was 61 years old & main reason of my taking this policy had been the sum assured of Rs 2,250,000.
Then Nov 2012, three senior executives of Birla Sunlife dropped in at our residence unsolicited.
The team explaining the purpose of their visit informed me that my policy was doing exceedingly well. So they suggested I should take two more policies which will be automatically funded from the overflowing funds from my existing policy. At 65 years of age, I didn’t want any extra financial burden. When I expressed my apprehensions about the payments of premiums, I was assured by ALL that I need not worry because these would be paid from my accrued fund of the existing Policy which is overflowin.
Subsequently I took two policies:
1. BSLI Foresight Plan in the name of my wife, Sunita Puri, Policy No 005848874, dated 30.11.2012
2. BSIL Vision LifeIncome 2013 Policy No 006383795.
Until Feb 2016, the premiums against both the above policies were paid through the funds of my policy and I didn’t pay any money from my side (and it was never asked for). In March 2016, I was informed that there was not adequate fund in my Policy, so I need to pay Rs 100,000 to make up for the due premium of Rs 300,000. Rs 200,000 would still be managed from my original policy fund. On my inquiring about this, the present executive, Mr Atul Tomar, informed that in the preceding year my policy (and hence the fund against this Policy had not done so well, hence the shortfall). I therefore augmented Rs 200,000 (transferred to my account by BSIL on 11.05.2016) available in my funds with my contribution of Rs 100,000,and the payment of due premium Rs 300,000 was made by me on 17.05.2016.
Since I got suspicious about this sudden turn of events, I kept on asking the executive Mr Atul Tomar for an explanation/statement. On 27th June 2016, I received a Policy account statement from BSIL. I was shocked to look at the statement which said that my sum assured is ONLY Rs 950,000 against Rs 2,250,000 shown in my policy document. I immediately contacted Mr Atul Tomar about this anomaly. Mr Tomar admitted that this was an error and he will submit the corrected statement to me, which he never did till date even after several phone calls. I then mailed my concern to customer service of BSIL. They gave me a totally different view. They informed whatever premiums have been paid against the two new policies (as above) through my so called overflowing funds, have reduced MY sum assured by an equal amount ! This was the first information to me about my reduced sum assured from BSIL, that too after 3 years after I raised my concern. Even after several mails explaining that primarily I had taken my Premium Plus Policy on account of the sum assured and a repeated assurance that the new policies would be funded from my overflowing funds (obviously meaning that my original policy terms will be protected); their response has been negative, citing some rules.
I then raised the matter with their Grievance Manager, whose response also has been the same as the response of their customer service people. In the meantime, another premium request of Rs 300,000 to be paid by Nov 30, 2016 has been sent to me.
B) For the past three months now, I have been waiting to receive the following information from Birla Sunlife, but no one is responding even after several phones and mails:
1. The fund value of my original 'outstandingly performing' policy, since its inception?
2. I am still awaiting salient features of the policy of my son, Arpit, which was given to him with tall promises, & which he is inclined to surrender for its futility?
3. Awaiting someone to collect the premium of Rs 300,000 for my wife's policy?
I request your direction to BSIL for their response on the fraudulent means of imposing two more policies by misinforming me, AND
1. restoring my original sum assured of Rs 2,250,000.
2. Providing me the desired info:
i. The fund value of my original 'outstandingly performing' policy, since its inception?
ii. salient features of the policy of my son, Arpit, which was given to him with tall promises, & which he is inclined to surrender for its futility?
iii. Awaiting someone to collect the premium of Rs 300,000 for my wife's policy?
3. Compensate for the lack of services in not providing above info and causing agony & anxiety.