We as customers have the full right to go through each and every terms and conditions of any product or contract we get into. If you plan your investments for tax savings at the nick of time as you think you very smartly did, then this is what happens.
I think its purely your mistake and you can not blame any one for your foolish decisions.
Govt gives entire 1 year to plan your taxes. But, smart people like you do it at the last moment and then blame the product companies for misselling.
I too am a customer and I have never had such exprience in the lasty 20 years. Only because I do things well before time.
