This is hardly mis-selling, this is cold blooded cheating with criminal intent to dupe gullible public of their money to meet internal target in institutions (in)famous for their “aggressive” culture. What are the poor victims supposed to do if they are unable to get their monthly payouts to meet living expenses? I hope the guilty are awarded exemplary punitive sentences to deter such wrong doings from other officers in future. Sorry for the rant, but such criminal acts really gets me riled.