About Us

We are a holistic grievance redressal management initiative that helps consumers and MSMEs in addressing their concerns and grievances related to banks, companies, financial institutions, and government organisations.

The rejection rates of complaints of many of the Grievance Redressal fora are high. We understand that processes of filing grievances or applications for availing schemes is not as easy as it looks. These processes can involve legal questions and complex interpretations of various documents too.

Do not worry ! We are here to help you in tackling this gap and provide you with holistic assistance for your grievances.

Our Simplified Offerings

MSMEs

We provide services related to scheme facilitation and grievance redressal - be it related to banking grievance, credit, foreclosure, delayed or non-payments.

Consumers

We help resolve grievances related to banks, non-banking financial institutions, insurance, provident fund, pensions, and the stock market.

Our Process

Tell us about your Grievance

Call or message us at 9665170418 or send us an email at pehalsolve@gmail.com

You can also type in your grievance in the box and be sure to hear back from us within 24 hours !

Why take Assistance in filing grievance ?

Banking Grievances and Complaints

The complaints of banks and Non-banking financial corporations (NBFCs) before the RBI ombudsman have increased significantly, due to the nature of the process designed, the dismissal rates are quite high. In the year 2022-2023, a staggering 66.5% of the complaints were dismissed as non-maintainable. This means that only 33% (1 out of 3) of the total 7 lakh complaints were actually heard.

Even if the complaint is maintainable sometimes critical arguments on regulations need to be done which are difficult to comprehend as they are written in complex legal language. Hence, even after maintainability of the complaint, to make the strongest case before the Ombudsman, one should be aware of the Regulations and their intricacies.

Grievances related to Employee Provident Fund

The rejection rate in 2022-23 of the Employee Provident Fund was 34% and 35.2% in 2021-22. This is a consistent pattern and number is either increasing or staying as is.

The rejection rate is an upward slope and has plenty of problems because of the total 73.87 lakh claims received in financial year 2022-23, almost 25 lakhs (24.93 lakhs) employees were denied their provident fund. Major problems faced by the Provident Fund subscribers include: Complicated process, Non-transfer of PF accumulations, amount not credited in bank account after claim settlement, multiple claim rejections, non-settlement of PF advance claims, delays in withdrawals, delay in claim settlement on superannuation.

Complaints and Grievances related to Insurance Companies

The dismissal or rejection rate of complaints of Insurance as non-entertainable very high as most Ombudsmen have dismissed more than 40% of the complaints as non-entertainable. This includes those complaints where, either the grievance was not raised before the grievance redressal authority of the Insurance Company, inadequate documents were filed, or insufficient information was furnished.

For those that do get filed and heard, if the questions involve complex interpretation of law (which will also be a difficult problem to address in the Consumer Court) the matter will still not favour the Insured, because of their lack of ability to make complex arguments on Principles of Insurance Law for which binding judgments would also be required on which similar questions of facts and law have been determined by Courts or previous Ombudsmen.

Your rights as a Consumer

If a cab company charges your more than what it displays as the charge, or an e-commerce company sends you something different to what you asked for, or if you are a victim of misrepresentation, you as a consumer can file a case in the Consumer Forum. The best part is that you do not even require a lawyer as it is a forum not a Court, and you can represent yourself.

It is important to be aware of injustices faced as a consumer so that we can build a more transparent and consumer-friendly market. We can help you be an empowered citizen in this process and help you through our multiple offerings.

Complaints and Grievances related to stockbrokers, listed companies, mutual funds, etc

Complaints in SEBI are covered by multiple laws. These complaints can be related to stockbrokers, listed companies, mutual funds, portfolio managers, and various related issues about debentures, underwriters, credit rating agencies.

Despite the ambit of SEBI seeming so large, SEBI dismisses a large number of complaints due to those complaints by their interpretation of law not falling within their powers. The kinds of matters that SEBI does not consider as complaints include – incomplete complaints, non-specific complaints, suggestions, seeking explanations, disputes arising out of private agreement with companies. Similarly they also don’t entertain complaints regarding matters currently being heard in Courts. But most importantly, complaints that fall under the purview of RBI, IRDAI, PFRDA, or the Ministry of Corporate Affairs are not heard by SEBI.

Furthermore, due to complex nature of Security Laws, more often than not individual complainants find it difficult to completely represent their case due to complex regulations. This is another difficulty faced by individual investors in complaining to SEBI.

Contact Us

Contact us for help and information

pehalsolve@gmail.com

9665170418