Consumer Rights

Maine defective product kharida aur shop wala replace ya refund karne se mana kar raha hai.

Aap haq se maang sakte ho. Defective saamaan wapas lene aur bill par likhe time (kuch na likha ho toh 30 din) mein refund dene se mana karna kanoon mein 'unfair trade practice' hai. 'No exchange, no refund' ka board defective saamaan par aapka ye haq khatam nahi karta.

Mera online order nahi aaya ya refund atka hua hai.

Aap pressure bana sakte ho. Har shopping site par grievance officer hona zaroori hai jo 48 ghante mein complaint acknowledge kare aur ek mahine mein solve kare. Defective, fake, description se alag ya late delivery wale saamaan par seller refund se mana nahi kar sakta.

Shop wale ne MRP se zyada paise liye. Kya ye allowed hai?

Nahi. Packet wala saamaan uspe chhape MRP se zyada mein nahi bech sakte, aur MRP mein saare tax pehle se shamil hote hain. Upar se 'cooling charge' ya GST lena galat hai. National Consumer Helpline ya state ke Legal Metrology (naap-taul) department mein complaint karo.

Restaurant ne bill mein service charge add kar diya. Kya mujhe dena padega?

Nahi. Service charge voluntary hai. CCPA ki 2022 guidelines (jinhe 2025 mein Delhi High Court ne sahi thehraya) ke hisaab se restaurant ise automatically bill mein nahi jod sakta, kisi aur naam se nahi le sakta, aur na dene par entry ya service se mana nahi kar sakta.

Consumer complaint kaise file karun? Kya lawyer zaroori hai?

Lawyer zaroori nahi. Aap e-Jagriti par online case file karke khud argue kar sakte ho. 2 saal ke andar complaint karo. ₹50 lakh tak pay kiya ho toh District Commission jao; ₹5 lakh tak koi fees nahi.

Mera insurance claim galat tareeke se reject ho gaya. Main kya karun?

Pehle insurance company ko written complaint karo. Agar woh mana kare ya ek mahine mein reply na de, toh ek saal ke andar Insurance Ombudsman ke paas free mein ja sakte ho (₹50 lakh tak ke claim), ya Consumer Commission mein case kar sakte ho.

Bank ne galat charge kaat liya aur theek nahi kar raha.

Pehle bank ko written complaint karo. 30 din mein reply na aaye ya reply se khush na ho, toh cms.rbi.org.in par RBI Ombudsman ko free complaint karo. 2026 ki nayi scheme mein ye 90 din ke andar karna hota hai.

Product ne woh nahi kiya jo ad mein promise kiya tha. Main kya kar sakta hoon?

Jhootha ya misleading ad Consumer Protection Act mein illegal hai. Aap Consumer Commission mein refund aur compensation maang sakte ho. Ad ki complaint CCPA se bhi kar sakte ho, jo ad band karwa sakta hai aur maker ya endorser par ₹10 lakh tak penalty laga sakta hai.

Meri flight cancel ho gayi ya bahut late hui. Mujhe kya milna chahiye?

Agar flight 24 ghante se kam pehle bata kar cancel hui, toh airline ko aapki manzoor doosri flight deni hogi, ya poora refund plus ₹10,000 tak compensation. Lambi delay par khana-paani milta hai, aur bahut lambi delay par refund option ya hotel, par cash compensation nahi.

Kya main hospital ya doctor ki laparwahi ki complaint kar sakta hoon?

Haan. Paise dekar liya gaya ilaaj 'service' hai, isliye laparwahi par aap Consumer Commission mein compensation maang sakte ho. Galat conduct ki complaint State Medical Council mein bhi kar sakte ho. Police case sirf bahut serious (gross) laparwahi mein banta hai. Sirf kharab result laparwahi nahi hai.