Get Work Done: Insurance Claims, Refunds, Complaints and Escalations

When an organisation isn’t listening, here’s how to make it listen.

Writing a formal complaint and escalating step by step

A claim rejected without reason. A refund promised months ago. A bank that won’t reverse a wrong charge. A government file that hasn’t moved. Most of these can be solved by writing to the right person, in the right way, and escalating step by step. We show you how.

Step 1: Write a Complaint That Gets a Reply

State the facts, dates and reference numbers. Say clearly what you want and by when. Keep it firm and polite, and always keep copies. Ready-to-use complaint templates included.

Step 2: Escalate Inside the Organisation

If customer care doesn’t help, go to the grievance officer or nodal officer. Most companies list them on their website. Quote your earlier complaint number every time.

Step 3: Go to the Regulator or Ombudsman

  • Banks and payments: RBI Integrated Ombudsman
  • Insurance: Insurance Ombudsman and IRDAI’s grievance system
  • Telecom and internet: the operator’s appellate authority
  • Products and services: National Consumer Helpline

Step 4: Consumer Commission

When nothing else works, you can file a case with the Consumer Commission, often without a lawyer. We explain the process in simple steps.

Government Offices

  • RTI: how to file a Right to Information request online and what to do if you get no reply
  • CPGRAMS: the central portal for complaints against government departments
  • State grievance portals and helplines

Property and Housing

Registry, mutation, society NOCs, builder delays and what to do when paperwork gets stuck.

Latest Get Work Done Guides

Real Cases We’ve Solved

Stuck with an organisation right now?

Tell us what happened and we’ll help you plan your next step.