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Ok here is the story, without revealing details.

Last week, I got a call from a call centre that my policy with HDFCLife from 2012 had expired in 2013, since I didn't pay the annual premium in the 3rd year. She said the premium was Rs. 50000 per year and (1/n)
I can get that 50k back. She gave me a number of Mr. X who is supposed to be some senior guy in the company. I called that number after 4 calls from her, just to find out what's going on.

I NEVER HAD ANY SUCH POLICY. (2/n)
When I called, the guy acted as if he is very senior and said, I am driving right now and will call later. 2 days back, I got a SMS that my policy has expired. I thought, Chalo, end of story.

But today, Mr. X called and said there are 2 ways for me to get my money back (3/n)
He said, either I need to pay Rs. 3.5 lakhs for the last 7 yrs and in December 2020, I will get close to 6 lakhs... OR. Pay 50000 and I will get 4 lakhs by December this year (4/n)
He added that he is now in Hyderabad office, but he can help me.

I said I am travelling and will get back and hung up (n/n)
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