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How to complain in IRDA?

IRDA

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What is IRDA?

In India, every sector has to be managed by a Government body to administer its work and growth. For insurance, the Government body is the Insurance Regulatory Development Authority of India, known as IRDA/IRDAI, which sets the rules and guidelines for the insurance sector to have a smooth and uninterrupted function.

The IRDA Act of 1999 mentions the mission of IRDA as ‘to protect the interests of the policyholders, to regulate, promote and ensure orderly growth of the insurance industry and for matters connected therewith or incidental thereto.’

What does IRDA do?

  • To monitor and safeguard the interests of the policyholders.
  • To regulate the financial industry according to the rules and laws.
  • To solve disputes that occur between the policyholder and the insurer.
  • To control the rates offered by various insurance companies.
  • It ensures the growth of the insurance sector and its companies.
  • It specifies specific schemes, tariffs, and policies so that both the insurance company and its policyholders benefit.

Challenges faced by IRDA

  1. The biggest challenge is to grow the rural insurance sector and make the insurers aware of various policies and schemes.
  2. Some insurers lack capital. Therefore, it is a cause of concern for the IRDA to meet the stipulated solvency margin.
  3. To control risks associated with the pandemic, like the COVID-19, where insurance companies nearly starved due to lack of capital.
  4. To boost the micro-insurance sector, like life, disability, and health. These areas have less growth, inadequate schemes and programmes, and a high illiteracy rate amongst their customers.
  5. Innovation and optimizations:- The most crucial challenge faced by IRDA is to bring out new and innovative schemes that will boost the development of its sector. To bring friendly schemes and rates for its users and not go against the political ethics is still the biggest challenge for IRDA.

How to report a complaint in IRDA?

Method 1:- If one is unhappy with a particular insurance company, they can visit its Grievance Redressal Officer and file their complaint in writing, along with the necessary documents. The filed complaint has to be taken into consideration within a short period.

Method 2:- One has to keep in mind that before reaching IRDA, one must approach its insurance company first and then visit the Government Authorities. One can look at the Grievance Redressal Cell of the Consumer Affairs Department of IRDAI: Click Here.
Call the toll-free number 155255/18004254732 or mail them at complaints@irdai.gov.in.

Method 3:- Use the Integrated Grievance Management System (IGMS) to register a new complaint or track the older one https://igms.irda.gov.in/. Register yourself in the portal with valid proof, and then file a complaint against the insurance company.

Method 4:- One can make a complaint from the Consumer Education Website here: https://www.policyholder.gov.in/Grievance_Redressal_System.aspx. Click on the ‘making a claim’ option in the menu bar and make your claim regarding the sector you want.

One can send the Complaint Registration Form by downloading and filling it from here https://www.policyholder.gov.in/uploads/CEDocuments/complaintform.pdf at this address:

General Manager
Consumer Affairs Department- Grievance Redressal Cell,
Insurance Regulatory and Development Authority of India (IRDAI),
Sy.No.115/1,Financial District, Nanakramguda,
Gachibowli, Hyderabad-500032

Method 5:- Reach the civil court- If you are not satisfied with the solution provided by the insurance company, you can reach the legal insurance ombudsman (CIO:: INDEX PAGE (cioins.co.in)) or file a complaint in the civil court. But make sure to follow the hierarchy for the solution to your problem. Otherwise, it will be you who is going to be in trouble!

What is the approximate time taken by a company to solve a grievance?

Different insurance companies settle the issue every once in a while. To solve the redressal, here is the list of the approximate time taken by a company:-

Type of Service

Type of ServiceTime taken
To start the process after the applicant has filed the complaint1 day
Obtain a copy of the proposed policy2-3 days
Any service, if made1 day
Any query related to an annuity or any other value1 day
Raising or registering claims for the investigation1-2 days
Acknowledge a grievance3-4 days
Resolve a grievance15-20 days

FAQs

Where to get the contact details of the Grievance Redressal Officers?

One can get the mail IDs of the officers here https://www.irdai.gov.in/ADMINCMS/cms/NormalData_Layout.aspx?page=PageNo225&mid=14.2.

How does the grievance resolve?

Type of Service

The complaint gets registered by a unique token number.
An acknowledgment is sent to the applicant by letter to his postal address.
Integrated Grievance Management System (IGMS) receives a brief description.
The documents are then collected related to the complaint.
A two-week time is given to the insurance company to respond to the complainant after the issue gets examined.
If the complainant does not respond within eight weeks, the complaint will be closed.
If the company does not respond to the complainant, the applicant can file the complaint again or approach the insurance ombudsman.
Even if the applicant is not satisfied with the quality of the solution given, they can reach the ombudsman or the consumer court.

Whether resolution of any grievance falls under the purview of the RTI Act, 2005?

No, resolution of any grievance does not fall under the purview of the RTI Act, 2005.

File a complaint

Policy maturity issues, false commitments, delays in claims, unsatisfactory claim settlement, wrong treatment, negligence, etc are the most common insurance complaints. If you are a consumer and facing similar issues then you can file a complaint against an Insurance company using the Voxya consumer complaints forum website to get a replacement, refund, claim or compensation from the Insurance company.

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How to resolve the ACT Fibernet complaint in Chennai?

ACT Fibernet

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What is ACT Fibernet?

Atria Convergence Technologies was founded in the year 2000 by Sunder Raju. It is one of the largest internet service providers in India, with its headquarters located in Bengaluru. It works to provide Fibernet (internet via fibre optics that offers speed more than 900Mbps), but now has started other services like digital television services, channelling various OTT platforms, etc.

Its vision is to become the most admired home entertainment servicing providing company in India. It has now over 2 million happy customers that are using the sheer speed of the ACT fibernet.

Why is my ACT internet not working?

One can do the following troubleshooting methods till the technician arrives:

  • Switch off, and switch on the router after 10-15 minutes.
  • Check the LAN cable whether it is plugged into the computer/router properly or not.
  • Make sure that the LAN Card/Wireless adapter is not disabled.
  • Check the LED lights on the LAN card are blinking like they did earlier or not.
  • Make sure that the LAN Connection indicates “Connected”.
  • Go to Start > Run, here type “cmd” and the Command prompt / DOS prompt will appear. In the Dialogue box displayed on the screen, type “ipconfig /release” followed by “ipconfig /renew”. Then try to surf again.
  • Disable, and then enable the LAN card/Wireless Card/switch off the router.
  • Make sure that the IP settings are set to receive a DHCP IP.

    Note – If you have subscribed for a static IP from ACT Fibernet, make sure that the same is configured into your PC/Laptop/Router properly. If someone has changed their device, the ACT team must be informed so that they authenticate the new device and bind the static IP to the same.

Other reasons can be:

Your subscription has ended. Kindly recharge the subscription.
You have reached your download limit. According to the fair usage policy, once you have reached your download limit, the system will automatically shift your network to the lower bandwidth once you have exhausted your data limit. After recharge or another day, it will come back to normal.

Looking for the solution to Internet broadband complaint, then File a complaint now!

How to report the ACT issue or File an ACT Fibernet Complaint in Chennai?

  1. Customers can call their nearest local ACT dealer (from which they might have purchased the connection or the number written on the invoice, or contact the mechanic who came to make the connection) and inform them about the issue.
  2. If the troubleshooting steps do not work, then one can contact the support team at 8612301999.
  3. One can download the ACT Fibernet app from the Google Play store and report the issue in the support section (found at the bottom of the app). One has to log in with their credentials to register the complaint.
  4. Call your city customer care number at 044-42840000 (for Chennai), or mail at helpdesk.chn@reshavctcorp.in. Other city numbers are listed here: https://couponwish.in/act-fibernet-customer-care-number-toll-free/.
  5. If they do not respond, then WhatsApp to the official number 9945999459, or call at 9121212121, 7288999999, or 1800 1022 836 for ACT Fibernet issues. For digital TV issues, call 1800 1022 836.
  6. File your complaint against ACT Fibernet to take legal action against them for improper services. It helps consumers to get a replacement, refund, and compensation as soon as possible.

How much time will it take for my complaint to get resolved?

It can take up to 1-2 days or more to resolve, depending upon the type of problem and the situations in your area. One must remain calm and patient in such situations, and understand the technicalities- why the problem occurred, and why it took this much time to resolve.

One can find all their answers related to various services here: https://www.actcorp.in/faq.

file consumer complaint india

If you are a user of ACT Fibernet and getting similar problems like no service given, slow internet speed, service not activated, no refund provided, the wrong package given, upgrade not applied, etc. or not satisfied with the services given by them, then you can file a complaint at Voxya online consumer complaint forum to resolve your complaint quickly with an optimal solution.

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Job consultancy complaint in Bangalore

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Employment is the need of the hour. People rush towards job advertisements without seeing the quality of the job profile. Human nature tends to forget that when someone is in a job or is about to get one, the company that wants to recruit you does not ask for money unless it is an investment start-up. The culprits gain confidence after making one or two fools, due to which frauds and scams increase.

How does the job consultancy scam occur?

The person looking for a job will register on the website of the job consultant. The scamsters will try to contact the person. They will inform the applicant that they have got a job for which they need to pay a decent amount of money. People get happy after listening to the news that makes them forget the basic rule- stay alert and alert the conscience.

After people agree to give the money, the scamsters will share the details by which the person has to pay the amount in a limited time frame to get the job. If this does not fulfill, the job offer may go to another person. Because of this deadline, people fall into the mouths of predators.

Job Consultancy

What to check before filing a job consultancy complaint?

  • Check whether the job consultant is a fake or not.
  • Search Google whether some past complaints regarding the consultant are there or not.
  • Most of the websites that ask for such money are fake. But, do recheck!
  • Do not trust any website at once. After all, it’s going to be you who will suffer at last.

What are the various ways to file a complaint against these job consultancies?

Method 1:- Cyber Crime Police

People can report the scam to the Cybercrime Police both online and offline. Visit the online site here and file the case. One can also mail or contact the police through these details-

Department’s mail ID- cybercrimepsbcp@ksp.gov.in
Officer’s mail ID- compolbcp@ksp.gov.in, piccrbbcp@ksp.gov.in
Cyber station’s phone number – 9480801554, 080-22375522

One can find the contact details of their respective cities by visiting the official website of their city’s cybercrime police department. One has to contact the cybercrime police of that city where the crime has taken place and not the city from where they belong. That will ease the investigation.

Method 2:- File an FIR

One has to visit the nearest thana/police station to file an FIR soon after if there is no confirmation of the job assigned. If the number is unreachable or switched off the next day when you have made the payment, inform the police immediately. Submit all the necessary details from contact numbers to the mode of payment for better investigation.

One has to report the police as soon as the applicant gets such calls. Why wait to prevent oneself and others from such sinners? Launch an FIR under Section 420 so that the criminal cannot even get bail.

Method 3:- Report to the Consumer Forum

The victim has to submit their complaint to the National Consumer Helpline if any fraud has taken place. Call the toll-free number 1800114000 OR 14404 to report your issue instantaneously. You can also register a complaint from the NCH app available on the Play Store.

Method 4:- Hire a lawyer

Do not hesitate to contact legal authorities for your money. They will assist you in a better way and will try to get your money back. The lawyer can assist you in the criminal procedure, but make sure to get an experienced lawyer. An experienced lawyer will help you to solve the case quickly and efficiently. If you need any help Talk To a Lawyer now!

How to prevent ourselves from such frauds?

  • Stay alert as soon as you get such a call.
  • Research regarding the job profile, company, CTC, etc., the consultant tells while asking for money. Call the company and check regarding the vacancies, or whether the consultant is speaking the truth or not.
  • Secure all the document proofs to show them as shreds of evidence later on.
  • Do not hesitate to contact the police or lawyers for any help.
  • Keep your emotions in control as soon as you hear the news of getting the job.

Will I get my money back?

This question is uncertain. People can hope for getting their money back, but must not make up their minds that they will get their money back for sure. Let the authorities do their work.

File a complaint

If you become a victim of fake job consultancy services then you can file a complaint online using Voxya, India’s trusted platform for resolving consumer complaints.

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How to apply for Passport Online in India?

passport

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Passport

What is a passport?

A passport is an identity proof issued by the Government of the respective countries from which the citizen belongs. It is mandatory for a traveller who wants to travel to a different country. A passport will tell you about your identity, citizenship, date of birth, address, and photo. In India, the Ministry of External Affairs issues them to its citizens.

The Ministry of External Affairs provides services through the Central Passport Organization (CPO) and its network of passport offices like Passport Seva Kendra (PSK) and Post Office Passport Seva Kendra (POPSK). The rank of a passport determines its powers. One can check the passport rank of their country here https://www.passportindex.org/byRank.php. This rank helps citizens to travel with or without a VISA in various countries.

What is the difference between a passport and VISA?

A passport is an official document that shows a person’s real identity and details. It serves as proof of identity, address, date of birth, and nationality whenever someone travels outside the country.

There are three types of passports issued by the Government of India-

  • Ordinary passport
  • Diplomatic passport
  • Official passport

A VISA is a permissible document offered to a citizen from another country where he wants to travel. It is a temporary authorization for a person who wants to travel to another country, regardless of whether they possess a passport or not. VISA is either stamped on the first page of the passport or given as a separate document.

These are the categories in which VISA gets allotted:-

  • Student VISA
  • Transit VISA
  • Tourist VISA
  • Business VISA
  • Temporary worker VISA

How to apply for a passport?

Online method – Apply For Passport Online

Step 1:- Visit the online Passport Seva Online Portal here https://www.passportindia.gov.in/AppOnlineProject/welcomeLink and click on the new user registration that shows on the left side of your screen.

Step 2:- Fill up your details and click on register.

Step 3:- If you are an existing user, log in with the password on the portal here https://www.passportindia.gov.in/AppOnlineProject/welcomeLink.

Step 4:– Fill up the details regarding which type of passport you want. Schedule the appointment at your nearest PSK or POPSK for document verification.

Step 5:- Pay the fees online using credit/debit cards or using offline challan. The online payment updates at once on the site, while the offline challan will take two to three days to update.

Step 6:- Print your application with the help of the Application Reference Number.

Step 7:- Visit the Passport Office you have selected while filling the form with your original documents for verification.

One can apply for the Background Verification for Global Entry Program (GEP) by following the same steps mentioned above. Choose the option “Apply for Background for GEP” after you log in to the passport portal.

Offline method – Apply for Passport Offline

Step 1:- One has to download the type of passport they want from here. https://passportindia.gov.in/AppOnlineProject/online/printForm.

Step 2:- Reach your nearest District or Regional Passport Office or the nearest Post Office Passport Seva Kendra with all the original documents, photocopies of the documents, and photographs.

Step 3:- Pay the fees to the counter as directed by the staff authorities and wait for the passport to come via post.

How to submit an e-form?

Step 1:- Download the e-form that you want from here https://passportindia.gov.in/AppOnlineProject/online/downloadEFormStatic.

Step 2:- Fill the form and click on the ‘validate and save’ button. That will save your file in XML format.

Step 3:- Register on the online portal of the Passport Seva Kendra. Login with your details.

Step 4:- Upload the XML file through the ‘Upload form link. Do not upload any different format as the system will not accept any other format besides XML.

Step 5:- Pay and Schedule your appointment to the nearest PSK or POPSK.

Step 6:- Print your application form and visit the nearest PSK or POPSK with all the required original documents for verification.

Where to report my queries regarding passport application?

To inquire regarding passport application, call 18002581800 to check the status of the application, or check here https://www.passportindia.gov.in/AppOnlineProject/statusTracker/trackStatusInpNew.

To register a grievance or feedback, submit the details here https://www.passportindia.gov.in/AppOnlineProject/ccgm/ServiceRequestHomeAction. One needs to have all the information (applicant’s name, reference number, etc.) and PSK details in order to register the complaint.

To view the status of your grievance, check this site https://www.passportindia.gov.in/AppOnlineProject/ccgm/trackServiceRequest

Passport

One can submit grievances to the PG Portal here https://pgportal.gov.in/.

FAQs

Does Tatkal passport have any benefits?

There is no other benefit of a Tatkal passport besides that it will reach your doorstep within 2-3 days. The person, who wants an urgent passport or wants the verification to happen at the earliest, can opt for this method.

From where can I print my application or any other forms?

One needs to have an Application Reference Number to print the application form here https://passportindia.gov.in/AppOnlineProject/online/printForm.

What are the documents required for passport verification?

One can check the list of documents required for their passport, depending upon their conditions here https://passportindia.gov.in/AppOnlineProject/docAdvisor/displayAttachmentsTest.

How long does it take to get a passport?

After the authorities receive your documents, in a maximum of 30 days, your passport gets generated. It gets delivered via post to your doorstep.

What is the validity of a passport?

For adults, the passport is valid for up to 10 years. For minors, the passport’s validity is restricted to five years or till they turn 18, whichever comes earlier.

Can I re-apply for the passport again?

One can re-apply for the passport within a year from the date of expiry of the application. There may be genuine reasons due to which the applicant is not able to renew the passport. There is no need to worry about it. Visit the authorities, and they will assist you.

Can I make changes to my passport application?

One needs to contact the Citizen Service Executive of the Passport Seva Kendra or the Post Office Passport Seva Kendra for the update process.

Can I apply for the passport from the passport office?

Visit the Passport Seva Kendra or the Post Office Passport Seva Kendra compulsorily to get the passport. The office does not make any passports.

One can find all the FAQs related to passports here https://passportindia.gov.in/AppOnlineProject/online/faqMainPage.

file consumer complaint india

If you are facing any Travel complaint and looking for a replacement, refund, and compensation from the seller or the company then File a complaint now!