Public guidance • Consumer rights • Accountability
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Help by Issue

Find the path that fits your problem.

Start with the issue category. The next step is always the same: organise the facts, evidence, correspondence and outcome sought.

11 issue areas

Banking & Financial Services

Accounts, loans, cards, charges, recovery practices, service failures, documentation problems and regulated financial-service grievances.

Useful to keep readyBank statements, sanction letters, transaction IDs, complaint numbers, notices and written responses.
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Digital Payments & Online Transactions

UPI, wallet or card failures, unauthorised transactions, payment reversals, non-receipt after payment and platform-related disputes.

Useful to keep readyTransaction reference, bank statement, app screenshots, merchant communication and fraud-reporting details where applicable.
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Insurance

Claim delay or repudiation, mis-selling, policy-service problems, unexplained exclusions, premium issues and grievance handling.

Useful to keep readyPolicy schedule, proposal form, claim papers, repudiation letter, medical/assessment documents and insurer correspondence.
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Products & Consumer Services

Defective goods, warranty disputes, repair failures, deficient services, misleading representations, non-performance and unfair practices.

Useful to keep readyInvoice, warranty, photographs/video, job sheets, service history, advertisements and correspondence.
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Online & Digital Purchases

Wrong or damaged deliveries, refund and cancellation delays, misleading listings, subscription issues, fake sellers and marketplace grievances.

Useful to keep readyOrder ID, listing screenshots, invoice, delivery evidence, return/refund trail and platform chats.
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Housing & Real Estate

Delay in possession, construction quality, promised amenities, agreement disputes, maintenance issues, unfair demands and housing-related service grievances.

Useful to keep readyAgreement, payment schedule, brochures, possession communication, photographs, notices and authority approvals where relevant.
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Healthcare & Medical Grievances

Healthcare Service GrievancesBilling, records, delays, administration, diagnostics and hospital-service concerns.
Suspected Medical Negligence / MalpracticeTreatment, diagnosis, procedures, prescriptions, informed consent and professional-standard concerns.
Patient Rights & Medical RecordsAccess to records, communication, consent, dignity, transparency and continuity-of-care concerns.
Useful to keep readyMedical records, prescriptions, consent forms, discharge summary, bills, investigation reports, communications and independent expert material where available.
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Telecom & Utilities

Mobile, broadband, electricity, water or related service problems, billing disputes, outages, unfair charges and failed complaint handling.

Useful to keep readyBills, complaint docket numbers, outage records, plan details, screenshots and appellate correspondence.
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Education & Related Services

Fee, admission, promised-facility, certification, course-delivery and institution-related service grievances where applicable.

Useful to keep readyAdmission documents, fee receipts, prospectus/advertisement, academic communication and complaint trail.
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Public Authority Grievances

Service-delivery failures, regulatory inaction, lack of transparency, non-response or other issues involving the responsible exercise of public authority.

Useful to keep readyRepresentation, acknowledgement, RTI/records if relevant, orders, reminder trail and evidence of impact.
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Something Else

Not every real-life problem fits neatly into a category. Start with the facts and we can help identify the right pathway.

Useful to keep readyA short timeline, relevant documents, who you approached and the outcome you are seeking.
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Important for healthcare complaints

An adverse outcome is not automatically negligence.

Healthcare grievances need careful review of records, the sequence of care, applicable professional standards and, where necessary, expert opinion. CGS should avoid premature conclusions and help the person identify the appropriate complaint or professional route.

Emergency: This website is not an emergency medical service. Seek immediate clinical care for urgent health concerns.

Need a clear way forward?

Start with the facts.

Tell us what happened, when it happened, what you have already done, and what fair outcome you are seeking.

Seek GuidancePrepare your complaint