3 years ago, I bought HONG LEONG INCOME BUIDER from a friend. RM6K / year. with LOCK IN PERIOD of 9 years
After I bought a few days, I regretted but didn't plan to revoke (grace period) since it is a friend deal...

Recently, I received a letter stating my friend has quit.
I felt that I have no reason to continue such scheme,SUPER LOW INTEREST, LOCK UP CAPITAL. (My salary NOT HIGH..)

However, the surrender value is NEGATIVE -35% if I take the money NOW..

Any idea? I don't mind lost all the interest ? CONSUMER COURT ? whatever method...

** I have no problem saving money ... I save most of my incomee(>50%) into saving, house & investment.

To be honest, if you friend did not give false information or blank promise on how this plan works, then I don't see any reason why should HLB entertain such silly request.

I am sure whoever received your letter will ROLF, if you wrote something like this:"Dear Sir, I bought this bloody thing because of my friend. I am so stupiak I don't know what the hell is this and yet I bought. Now my friend is no longer working for you, I really regret la, can I withdraw and you please give me a full refund despite the policy has stated the otherwise and I already agreed and signed on the paper. Please~~~~~~~"

1 word. Mempersiasuikan.

U r not helping...  Please.. 

Some more,  double post.

I just try my best to get back money, which I know chances are slim.