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False commitments in insurance policies are quite common in the Indian market. There are thousands of people who are facing similar problems every day. Brokers do all the promises in the world to sell you an insurance policy, after which they hardly even show their faces!

They place all the false commitments that are possible just to sell you stuff and once that’s done you never see them again!

How to resolve insurance complaint?

If you are someone who got scammed by an agent’s false commitments while buying an insurance policy. Then this article is only for you. In this article, we will see how you can file a complaint if the insurance agent used false commitments to sell you the policy.

File a formal complaint with your Insurer: 

The first step should always be filing a formal complaint with your Insurance company. You can’t move ahead and file complaints at higher authorities if you haven’t tried complaining in the lower places first. 

You should file a formal insurance complaint with your insurer, along with all supporting documentation. Both insurance providers’ contact information can be found in their policy papers or on their website contact pages. The Insurance Regulatory and Development Authority also has all of their contact information (IRDA).

After filing the complaint with the company you should wait for at least 15 to 20 days to let them take any action from their side. 

If they let you down and didn’t take any serious attempts to resolve your complaint then you can move ahead with your complaint. You can also move ahead if you are not satisfied with their solution.

Contact an Ombudsman:

An ombudsman is a government-appointed official who investigates allegations against companies, financial institutions, government agencies, and other public bodies and seeks to resolve disputes or issues posed by mediation or recommendations.

The official wants facts and other relevant details in order to properly understand the case and see it from both sides’ perspectives. They perform a detailed review and have a final report.

You can move ahead and file a complaint with the ombudsman if:

• The claim made by you is wholly or partially rejected.

• Even After paying the premium, you have not received your policy.

• There is a delay in the resolution of claims.

• There is a disagreement on how much premium should be charged and how much should be paid.

• The terms and conditions stated in the Policy Schedule are the subjects of a disagreement.

Register a complaint with IGMS of IRDA:

The Integrated Grievance Management System was implemented by IRDA as an online forum where policyholders who have a grievance or disagreement with an insurance company can escalate the matter. 

This system allows you to file a complaint and monitor its progress. The IRDA will use these grievance redress and reporting mechanisms to provide policyholders with centralized access and identify grievances according to predefined norms.

Complaints are given a specific complaint ID and referred to the relevant departments for resolution. This also aids in the monitoring of business behavior problems. 

This also assigns Turnaround Times (TATs) to all grievances and sets up reminders for activities that are still pending. With rule-based workflows and informative reports, the framework ensures effective complaint resolution.

You can read this article for a more detailed step-by-step guide. 

Take your Insurance company to the civil court:

If your case is still unresolved, you should file a complaint with the consumer court. Health insurance lawsuits are handled by a separate branch of the consumer court, which specializes in Unfair Trade Practices, malpractice, and service concerns.

You will need to employ an attorney to help you develop and make a strong claim for damages.

If the work mentioned above looks a lot of work to you, which actually is a lot of work! Then Voxya is always there for your help. 

The Conclusion

If you can’t manage to do all the stuff alone then you can take the help of Voxya which is the market leader when it comes to consumer complaints. If you are still wondering what exactly Voxya is then:

Voxya is a consumer complaint platform online. It helps users to easily file consumer complaints against companies. This allows the consumer to tackle fraud and unresponsive customer service. Voxya is known for its quality and reasonably priced services.

So far, Voxya has dealt with over 78,000 complaints and customers have demanded damages of about 2200 crores. This demonstrates that Voxya is driving the game!

Now that you know how you can resolve your insurance complaint. What’s stopping you now? Resolve your complaint now at voxya.com!

“Tired of Paying Hidden Charges To Your Builder? Here’s How To File a Complaint against builder”

Buying real estate is one of the best life moments for many. A lot of people consider this as a milestone for their life and nobody would like to have bad memories of these occasions. 

But sometimes the bad doings of the builder lead us to build really bad memories. And asking for hidden charges is one of the most common ones.

A lot of people have filed a complaint on Voxya, India’s trusted platform for resolving consumer complaints, that their builder is constantly asking for hidden charges. If this is the kind of problem that you are dealing with then this article is only for you. In this article, we will talk about what to do when you are tired of paying hidden charges to your builder.

How to File a complaint against Builder?

Now let’s take a look:

File a formal complaint with your Builder: 

You can file a formal complaint against Builder, along with all supporting documentation. Many of the builder’s contact information can be found on the documents you obtain from them or on their website contact pages. 

If the organization does not fix the problem within 15 days, or if you are not satisfied with the solution, you can proceed to the next phase.

File a complaint in RERA (Real Estate Regulatory Authority):

You can file a complaint with RERA if the project is RERA-registered. It is now easier than ever to file a complaint under RERA. You can now avoid all of the inconvenience. On RERA’s (Real Estate Regulatory Authority) website, anybody can now file a complaint. The following is a step-by-step guide to filing a complaint:

• Go to the official website of your state. Look for the complaint registration page and the connection to file a complaint on the portal.

• Fill in all of the required information by clicking on the registration page. You’ll need things like your name, address, phone number, and project details.

• After completing the form, you must pay a fee of Rs. 1000 or Rs. 5000 if you are filing a complaint with the Adjudicating Officer.

Take your Builder to the consumer court:

If nothing works out well, you can move forward and file a complaint in the consumer court.  You can also consider consumer court if the project that you bought is not registered under RERA (Real Estate Regulatory Authority).

 If this is something that sounds a lot to you then don’t worry. Voxya, India’s trusted platform for resolving consumer complaints has helped thousands of people in attaining justice and will always be there to help people fight against brands who do injustice. We have lots of success stories that show its works to get a solution to your problem.

Let’s Conclude this:

Purchasing real estate is already a difficult job, and dealing with problems is a nightmare. We understand that no one enjoys that sensation, which is why we developed Voxya!

What are real estate complaints, as we saw in this article? What are the most well-known real estate companies in India, what are the different types of real estate grievances, and how do you fix them?

Voxya is a one-of-a-kind forum for quickly addressing customer concerns about products. We support customers in their fight against unfairness, bribery, and poor customer service.

Get your complaint sorted. File a Complaint against builder on Voxya now!

Voxya an online consumer complaint forum trusted by 77,000+ consumers across India. It helps consumers to get a replacement, refund, and compensation as soon as possible. If you are looking for a solution to your complaints then file a complaint now!

Are you anyone who, somehow, has been caught by fraud? Or are you facing any issues with the Brand or Seller? Don’t worry then you’re not alone, either. Every day, thousands of people get frustrated by the lack of service or response from these businesses.

But do you know what the weak sign is? Acceptance of wrong and no action against it. But you aren’t weak, you’re strong as you want to take legal action against such wrongdoers!

You can send Legal Notice to any brand if you want to take legal action against it. That’s why you’re reading an article about the most affordable option to send a legal notice in India.

And this behavior of raising a voice against those who deceive people is valued.

So let’s look at the best and most affordable choice available to you for sending a legal notice to India in this post.

What is a Legal Notice?

A legal notice is a formal written document sent by a person or an entity concerning some grievance. It acts as a warning for the receiver that the sender has certain grievances that should be taken care of.

The one receiving the legal notice gets enough opportunity to resolve all the grievances of the sender if he/she wishes to.

Why Send a Legal Notice?

Sometimes initiating a legal action can be confusing and sending a legal notice can be the beginning of the journey. There are various benefits of sending a legal notice and some of the major ones are:

• Sending a legal notice gives a clear intention that the sender is serious about the problems and will file a lawsuit to resolve them. This may lead the receiver to settle the problems to save themselves from court proceedings.
  
• A person can clearly describe his/her grievances as a legal notice through the help of an advocate.
  
• It acts as a reminder for the receiver party that they have to solve the issue as soon as possible.

Sending a Legal Notice:

Usually, a legal notice is sent by an advocate for his/her client. It is not mandatory to send a legal notice through an advocate but it’s always better to do so because they have the best knowledge to draft the best possible legal notice.

Usually, the steps for sending a legal notice in India are:

Step 1:

The procedure starts by finding a good lawyer. You can find a lawyer online or offline. If you wish to understand the pros and cons of finding a lawyer online or offline then you can consider reading this article.

Get connected with a good lawyer. You can talk over phone with the lawyer and get a consultation first. But you can save money by simply emailing the details of your complaint to the lawyer. The notice should be addressed to the brand/person against whom you have the grievances.

The legal notice could be written in any Indian language yet the English language is the most preferred choice of people.

Step 2:

If you have doubts and questions regarding the process, you should book a meeting with a lawyer to consult the professional on your case.

While having a consulting session with the lawyer explain all the details of the case to them. Details may include the names of parties involved, addresses, dates, challenges, and issues.

Make sure that you are providing all the correct details to the lawyer as the wrong details may increase the trouble for you.

Step 3:

Once the lawyer is done with all the information, he/she starts drafting the legal notice. The notice is usually printed on the Lawyer’s letterhead and signed by the lawyer.

The Legal Notice contains your grievance and demands resolution in a timely manner. Usually, it also ask for compensation for mental agony or inconvenience suffered.

Step 4:

The legal notice always contains some time period or ultimatum to get the work done faster.

Usually, a time of 15 to 30 days is provided to settle the issue either by negotiating or by agreeing to the demands of the other party.

Step 5:

The advocate signs the legal notice and the notice is sent through the registered AD post. Usually, both the advocate and the client keeps a copy of the legal notice.

An experienced lawyer can be costly, costing anywhere from Rs.3500 to Rs.8000 for drafting and submitting a legal notice on his letterhead. But if you can’t find an experienced lawyer in your budget, then Voxya is there for you.

Voxya will help you send a legal notice at the comfort of your home without the hassle of finding a lawyer that too in your limited budget!

If you are wondering what Voxya exactly is, then let me answer it:

Voxya is an online consumer complaint forum. It enables the user to file consumer complaints against brands quickly. It helps the user in fighting against fraud and unresponsive customer service.

But why Voxya? Let’s find out!

• Voxya has a network of most experienced advocates around the country which helps them provide the service that they are known for.
  
• You also receive a hard copy of the document delivered to your doorstep!
  
• Voxya has one of the most affordable pricing!

Voxya is known for providing quality services at the most affordable cost possible. For sending a legal notice drafted by an experienced advocate, sending the hard copies to the company and the consumer, Voxya charges a fixed fee of Rs. 1299 only.

Yes, that’s all it takes to send a legal notice drafted by an experienced advocate.

Voxya also provides online consultations and one can also file consumer complaints at Voxya. Voxya is known for its fixed pricing for filing Consumer complaints. Voxya even provides free services!

1. Start social media campaign: Voxya will start a social media campaign for you and voxya claims to have a success rate of 21% in their social media campaigns. The best part is this is FREE!
   
2. Send complaint by E-mail: Voxya will email your complaint to the company you are filing a complaint against. Voxya claims to have a success rate of 28% for such campaigns. The best part is this is also FREE!
   
3. Send Notice via registered post: Like mentioned above, Voxya will send a legal notice to the company you are filing a complaint against. For such campaigns, for sending a legal notice, Voxya charges a fixed fee of Rs. 1299
   
4. Prepare cases for approaching consumer forum: Voxya prepares a case for you for approaching the consumer forum. For preparing cases for approaching consumer forum Voxya charges a fixed fee of Rs. 1999. If you choose this option, Voxya will also send a Legal notice to the company that means that option 3 is already included in this option without any additional charges.

The Final Words!

Don’t let the insecurity stop you from taking action against the wrong. Voxya has helped thousands of people in getting justice from unresponsive or fraudulent companies and Voxya can help you too.

With Voxya, you can fight against the wrong and can take legal action by sending a legal notice.

Have you decided to delete WhatsApp? Or are you going crazy about how WhatsApp can be so lazy about data privacy? If the answer to the above questions is yes, then you should read this article.

The Internet went crazy on the new WhatsApp privacy policy and Twitter gets flooded with tweets about how people should leave WhatsApp and jump to other alternatives.

Elon Musk tweeted “use signal” and the app crossed 7.5 million downloads but in all this havoc, did you tried reading the privacy policy or understand what exactly it means?

If the answer is no, then Let’s find out!

The Initial Days of Whatsapp Privacy Policy:

Facebook bought WhatsApp in 2014 for $19billion! Crazy money for such a simple and free app right?

Wrong! In 2014 WhatsApp had a user base of 500 million and thousands of people were joining WhatsApp every single day.

Facebook didn’t invest in a simple free app that lets people chat rather they invested in the user base that WhatsApp was acquiring. The initial plans of Facebook were to show ads on WhatsApp, but the co-founder of WhatsApp was against the ads.

This led him to quit the company and start another messaging app called “signal”. Yes, this is the same app that Elon Musk was talking about.

Here’s What WhatsApp is Saying:

Let’s put an end to all the confusion and see what Whatsapp has to say about all of the rumors going around.

• Whatsapp can hear calls or read messages?: WhatsApp clearly clarified that all the messages and calls are end-to-end encrypted and no one can access them. Whatsapp can’t hear the calls or read the messages.
• Logs of messaging and calling: Whatsapp clearly stated that keeping the logs of calling and messaging of 2 billion users can be a big privacy and security risk therefore they don’t save this data.
• Can WhatsApp share your location data: Whatsapp stated that when someone shares their location details on WhatsApp, no one can access that information apart from the person it is sent to.
• Whatsapp stated that for additional privacy one can go for disappearing messages. One needs to turn it on and the messages get deleted after seven days.

So What is Changed?

Whatsapp has clearly said that messaging with businesses is different than talking to your family or friends. Some of the large business has to use hosting services to manage their chats with their customers.

Therefore to manage such large chats, WhatsApp is giving the option to businesses to use Facebook’s secure hosting services.

But when a user interacts with a business, WhatsApp will store that information for its own marketing purposes. This information can be used to show personalized ads to you.

The Bigger Problem:

But is getting personalized ads a problem? Well for a lot of people it’s not a very big issue. As WhatsApp, if a free app and advertisement is their only source of making money.

The bigger problem is this data getting hacked! Numerous big companies have faced cyber-attacks and tons of data has been hacked.

This could lead to serious problems as this makes extremely sensitive data available in the wrong hands which can be used for the wrong purposes.

So what should the people do?

Shall we delete WhatsApp?

Well if you are a fan of shorter answers then the answer is, No!

Whatsapp helps us stay connected to our family and friends and leaving WhatsApp just because of a movement on social media is not exactly the right thing to do. So what shall we do?

Follow digital privacy and don’t do anything stupid! Here’s what you should know:

• Keep strong passwords for the various accounts that you have. Don’t simply use your name or your phone numbers as a password. The best habit is to use a random password generator to generate the most secure passwords.
• Don’t keep your passwords saved on WhatsApp chats. This can be a big mistake. This will destroy your effort of keeping a strong password. Instead, use password managers like LastPass or 1password.
• Track the permissions the app is taking. Check what permissions do the apps on your phone take and if you don’t use an app a lot and if it’s taking a lot of permissions then go to the setting and disable the permissions.
• Remove the messages and camera permission from the apps which do not needs it and are still asking for the permissions.
• Don’t put your information on random websites on the internet, they can be phishing pages trying to steal your data.

The Final Message:

Never rely on a single app.No one knows when they change their privacy policies and something bad happens. Be comfortable with the change.

Start using apps like Signal or other alternatives to the popular apps trying to steal data.

Data security is a big issue for the time. The more online the generation gets the more important data security will become.

Till the Indian government comes if, with strong digital privacy law, you yourself are liable to stay safe online.

Make sure you follow all the cybersecurity guidelines.

That’s it for this article, Stay safe! And if you ever need help with consumer complaints, Voxya is always there for you!