Category: Consumer Complaints

प्रधानमंत्री जीवन ज्योति बीमा योजना (Pradhan Mantri Jeevan Jyoti Bima Yojana)(PMJJBY)
आज के दौर में किसी को कुछ भी हो सकता है | जिसको ध्यान में रखते हुए लोग जीवन बीमा करवाते है जिसके चलते अगर बीमाधारक व्यक्ति को किसी प्रकार की दिक्कत आती है तो बीमा कंपनी उस व्यक्ति या उसके परिवार के जोखिम को उठाने में सहायत करती है | लेकिन बीमा कंपनी के प्लान की कीमत काफी अधिक होती है, जिस वजह से गरीब भाई बहन उस बीमा का लाभ नहीं ले पाते है | भारत के प्रधान मंत्री श्री नरेंद्र मोदी जी एक बहुत ही सस्ता सा जीवन बीमा प्लान हम सभी के लिए लाये है, जिससे हर व्यक्ति को इस बीमा का लाभ मिल सके | जिसका नाम प्रधानमंत्री जीवन ज्योति बीमा योजना (PMJJBY) है, जिसको 5 मई 2015 में शुरू किया गया था |

प्रधानमंत्री जीवन ज्योति बीमा योजना (PMJJBY) एक प्रकार का टर्म इंश्योरेंस प्लान है | इस टर्म प्लान में निवेश करने के बाद अगर व्यक्ति की मृत्यु हो जाती है तो उसके परिवार को 2,00,000 रुपये मिलते है |

टर्म प्लान का क्या मतलब है ?

टर्म प्लान का मतलब है जोखिम से सुरक्षा | इसमें अगर पॉलिसीधारक की मौत हो जाती है तो Insurance Company बीमा की रकम का भुगतान उसके परिवार को करती है | अगर पॉलिसीधारक निर्धारित समय तक ठीक-ठाक रहता और उसकी मौत नहीं होती है तो इसका लाभ उसको नहीं मिलता है |

प्रधानमंत्री जीवन ज्योति बीमा योजना (PMJJBY) में आपको प्रतिवर्ष 330 रुपये जमा करने होते है | यह साल में एक बार जमा करना होता है | जिसकी अवधि 1 जून से लेके 31st मई तक होती है |

प्रधानमंत्री जीवन ज्योति बीमा योजना (PMJJBY) की पॉलिसी को लेने के लिए आप अपने बैंक से संपर्क करे | उनको बताइये कि आप प्रधानमंत्री जीवन ज्योति बीमा योजना (PMJJBY) को लेना चाहते है | बैंक में बैठे कर्मचारी आपकी पॉलिसी को एक्टिवटे कर देंगे और प्रति वर्ष 330 रुपये आपके खाते से कट जायेंगे |

प्रधानमंत्री जीवन ज्योति बीमा योजना (PMJJBY) में किसी भी अवस्था में बीमाधारक की मुत्यु हो जाती है चाहे वह दुर्घटना या किसी भी कारण से हो, तो बीमाधारक के परिवार वाले को 2 लाख रुपये तक की सहायता दी जाएगी |

प्रधानमंत्री जीवन ज्योति बीमा योजना (PMJJBY) में पॉलिसी लेने के लिए मेडिकल जाँच की जरूरत नहीं होती है |

प्रधानमंत्री जीवन ज्योति बीमा योजना (PMJJBY) में पॉलिसी लेने की उम्र न्यूनतम 18 वर्ष और अधिक्तम 50 वर्ष है | इस बीमा की परिपक्वता (मैच्योरिटी) की उम्र 55 वर्ष है |

अधिक जानकारी के लिए क्लिक करे : https://jansuraksha.gov.in/

अगर आपको प्रधानमंत्री जीवन ज्योति बीमा योजना में किसी भी प्रकार की शिकायत है तो आप शिकायत के लिए दिए गए पते पर संपर्क कर सकते है :

Customer Care
IndiaFirst Life Insurance Company Ltd.
301, ‘B’ Wing, The Qube,
Infinity Park, Dindoshi – Film City Road,
Malad (East), Mumbai – 400 097.
Contact No.: 1800 209 8700
Email id: customer.first@indiafirstlife.com

शिकायत मिलने के 14 दिनों के भीतर आपको आपको लिखित या ईमेल के माध्यम से बता दिया जायेगा कि आपकी शिकायत का निवारण हो रहा है या आपकी शिकायत खारिज हो गयी है |

अगर दिए गए समाधान से संतुष्ट नहीं है या आपको 14 दिनों के भीतर कोई जवाब नहीं मिलता है तो आप दिए गए ईमेल ( grievance.redressal@indiafirstlife.com ) पर आप संपर्क कर सकते है या ऊपर दिए गए पते पर “शिकायत अधिकारी” (Grievance Officer) को पत्र लिख सकते है | शिकायत प्राप्त होने पर, 3 दिनों के भीतर आपको रसीद भेज दी जाती है |

अगर आप फिर भी दिए गए जवाब से संतुष्ट नहीं होते है या आपको 15 दिनों तक आपको कोई जवाब नहीं मिलता है तो आप Insurance Regulatory and Development Authority of India (IRDAI) के Grievance Cell में संपर्क कर सकते है |

IRDAI Grievance Call Centre (IGCC) TOLL FREE NO:155255

Email ID: complaints@irda.gov.in

आप वेबसाइट पर जाकर भी अपनी शिकायत को क्र सकते है http://www.igms.irda.gov.in/

Consumer Affairs Department
Insurance Regulatory and Development Authority of India
9th floor, United India Towers, Basheerbagh
Hyderabad – 500 029, Andhra Pradesh
Fax No: 91- 40 – 6678 9768”

किन मामलो की शिकायत आप इसमें कर सकते है?
- यदि आपके द्वारा किये गए क्लेम को अस्वीकार कर दिया गया हो या किसी कानूनी दावे को लेकर क्लेम लेने में कोई दिक्कत आ रही है तो आप शिकायत कर सकते है |
- अगर आपके द्वारा किये गए दावे (claim) के निपटान में देरी हो रही हो |
- अगर आपको प्रीमियम से सम्बंधित कोई दिक्कत आ रही हो |
- अगर आपको इन्शुरन्स से सम्बंधित डॉक्यूमेंट मिलने में दिक्कत आ रही हो तब आप अपनी शिकायत को कर सकते है |
अगर आपको उपभोक्ता से सम्बंधित कोई भी शिकायत है तो अपनी शिकायत को Voxya online consumer forum पर दर्ज करके अपनी समस्या का जल्द से जल्द पा समाधान सकते है | Voxya पर अपनी शिकायत को दर्ज करने के लिए दिए गए लिंक पर क्लिक करे :-> File Consumer Complaint Now!
March 11, 2019
Online Hotel Booking Issue Resolved – Travel Complaints Resolved

Timeline:

Mr. Darshan Kumar M Patel visited our portal on November 25th, 2018 at 04:13 pm and filed a complaint against OYO rooms related to online hotel booking issue. Mr. Patel was facing some issues with the cancellation of his hotel booking with OYO. On the very same day at 09:08 pm he got the resolution and marked his complaint as resolved.

A brief look into the travel complaint

Our client Mr. Patel made a hotel booking through OYO rooms. Later on, the booking was somehow canceled by OYO itself. He paid an amount of Rs 2950 and asked for its refund. The OYO representative told our client that the amount is non-refundable, but it can be adjusted in the next booking. So, Mr. Patel made another booking for Rs. 2970 as he had no other option. He paid an extra amount of Rs. 20 for the new booking, and the amount was adjusted.

Then there were some changes in our client’s plan, so he had to cancel the booking by his side but this time team OYO told him that neither he will get the refund nor the amount could be adjusted. This incident was shocking for our client as he was a regular user of OYO app and didn’t expect such a bad experience.

The resolution provided by us

After trying several times to find a solution on this matter, Mr. Patel did not receive any resolution. He came to our consumer complaint forum and filed a complaint against OYO rooms. Out of our four services, Mr. Patel chose to send emails to the company to solve his problem. As per his request, we sent an email to the company, and within 5 hours the complaint was resolved. Mr. Patel called the OYO customer care once again and received the resolution for his complaint.

Mr. Darshan Kumar M Patel’s Testimonial for Voxya

“I am fully satisfied with Voxya as it resolved my issue within one day. There is also an option to consult a lawyer at a very nominal price. Thanks, Voxya.”

Be alert all the time while booking online

There are many cases in our consumer complaint forum related to the hotel booking issue. People need to be very alert while booking a hotel online. Things they must keep in mind are location, hygiene, connectivity, budget and the most important thing is to read the reviews of the hotel. If you are at a tour with your family or friends, there are some basic requirements for a hotel to fulfill, for example, it must be near tourist spots in that area, there must a connectivity of that place with other places through trains or buses or different ways to travel around and explore the nearby tourist spots.

If you find all these facilities in a hotel then the second thing you must do is to check the reviews of that hotel. Most people share their previous experiences as feedback and reviews which are very helpful for other customers who are looking for a hotel to stay.

Also, read the FAQ section of the hotel booking apps so that you don’t face any difficulties and be doubt-free in case of refund or cancellation on your booking. An alert consumer is a king, and nobody can cheat an alert mind.

If you are looking for a solution of consumer complaint then File A Complaint Now!

March 7, 2019
Mobile Phone Purchase Related Issue, Resolved – Flipkart Complaint Resolved

Timeline:

On November 9th, 2018 at 1:40 pm Mr. Prabhakar Chaturvedi filed a complaint at our portal against Flipkart. When we received the complaint, immediate actions were called regarding this issue. We sent an email to the company and started a social media campaign. After a few days on November 21st, 2018 at 12:01 pm Mr. Chaturvedi again visited our portal and marked the complaint as resolved.

A brief look into the complaint

Mr. Prabhakar purchased a “Lyf Water 7” mobile phone from Flipkart on 26th May 2018 at 6:05 pm. The mobile phone was successfully delivered at his address but a few months later the phone showed some technical issues. Mr. Chaturvedi got worried when his mobile phone completely stopped working. He went to the nearest service center and found that the mobile set which was delivered to him by Flipkart was a second handset. Our client was upset with this fact that when he paid for a brand new phone why he received a used one. Neither Lyf nor Flipkart provided any solution to our client to resolve this problem. So he came to our consumer complaint forum to file a complaint against Flipkart. Mr. Chaturvedi did not want to lose his hard earned money to any kind of frauds so he came to us to find a resolution for him regarding this issue.

Resolution provided by us

After trying several times to find a solution on this matter, Mr. Chaturvedi filed a complaint at our portal on 9th November 2018. As soon as we received the complaint, we started the social media campaign on Facebook, Instagram and Twitter. We also sent an email to Flipkart seeking a resolution on this complaint. On 21st of November, 2018 Mr. Chaturvedi visited our portal himself and marked his complaint as resolved.

Mr. Prabhakar Chaturvedi’s Testimonial for Voxya

“My new mobile had a problem and the company refused to repair it, but my problem was resolved through Voxya. Thank You Voxya.”

Be alert all the time while shopping online.

There are many ways through which online fraud can take place, but an alert mind can always help a consumer to stay protected against fraud. At times the mobile phones sold online are refurbished and the seller mentions it but in a such a way that the buyer’s eyes skip this little detail. So a consumer must read everything about the product before purchasing it. Most of the times the websites are genuine but some of the products displayed on them by the manufacturers are fraud. That is why while shopping online one should always read every point mentioned in the product description.

March 5, 2019
Most Common Customer Complaints in India

Most reported complaints by consumers

This bar graph depicts the most reported consumer complaints. ‘Damaged/No product delivered’ accounts for more than 23% of the entire complaints filed on Voxya. ‘No refund initiated’ or ‘Promised return not given’ comes in at second place with nearly 14% consumers reporting this issue.

‘Bad customer support’ accounts for more than 5% of the total complaints issued on Voxya whereas a similar number is also seen under the category ‘Extra charges levied/Amount debited without knowledge’.

Damaged/No product delivered

The most common issue faced by consumers is either ‘product not delivered’ or ‘damaged product delivered’. So far a total number of 266 such complaints have already been registered on Voxya, in January. Unsurprisingly, the E-commerce section accounts for more than 76% of such complaints which is followed by the Food Safety and Home Appliances department at 6.77% and 4.1% respectively.

Bad Customer Support

This bar graph depicts the information regarding ‘bad customer support’. The majority of e-commerce complaints about poor service as it accounts for nearly 25% of the overall complaints. Home appliances and bank departments come in at 2nd and 3rd place respectively for poor customer support.

No refund/cashback received

No refund/cashback received is the second most talked about an issue by consumers on Voxya, an online consumer forum. Unsurprisingly, most e-commerce consumer complaint about this issue as it accounts for a total of more than 75%. Bank customers, as well as travel customers, also face the same issue as it accounts for a combined total of nearly 13%. Only a small minority from the Real Estate complain about this issue.

Extra charges/Charged without knowledge

This triangle bar depicts the issues faced by consumers regarding ‘extra charges levied or charged without knowledge’. Majority of e-commerce consumers have complained that amount from their bank has been deducted even though they didn’t place any order. Home Appliances, Bank and Telecom consumers also complained about similar issues in large numbers.

March 4, 2019