1. Stay calm: First of all, stay calm and don't be too flustered. Understand the ins and outs of the matter, understand the details of the insurance products you have purchased, so as to better safeguard your rights and interests.
2. Collect evidence: collect evidence of misleading or fraudulent behavior that may exist in the process of communication with sales personnel, such as recording and chatting. These evidences may play a key role in the process of safeguarding rights.
3. Communicate with the bank or insurance company: Try to communicate with the sales staff of the bank or the customer service staff of the insurance company to find out whether the purchase can be cancelled or replaced by other financial products. If the communication fails, you can complain to the higher authorities or the complaint platform.
4. Complaint: Complain to the local China Banking Regulatory Commission (Bank of China Insurance Regulatory Commission). China Banking Regulatory Commission is responsible for the supervision of banks and insurance industry. Complaints can be submitted by telephone, letter or email. The CBRC will generally reply and help you solve the problem within the specified time.
5. Seek legal aid: If communication with banks or insurance companies fails, you can seek the help of professional lawyers. Lawyers can provide you with legal advice and help you take legal measures to safeguard your rights and interests.
6. Media exposure: If the above methods can't solve the problem, you can try to expose your experience to the media. Through media reports, it can attract the attention of the society and the attention of the regulatory authorities, thus promoting the solution of the problem.
It should be noted that in the process of safeguarding rights, we should remain rational and avoid taking excessive actions. Try to solve problems through legal channels and safeguard your rights and interests. At the same time, we should also be vigilant to avoid being misled into buying unnecessary wealth management products again.