Help : Virtual wallet complaint enquiry

Help : Virtual wallet complaint enquiry

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Hi everyone, I have been struck with below prblms. If anyone can help me out, will be very thankful.
1) I added Rs.500/- in Digipurse wallet ( Union bank ) in Dec 2015. During using for withdrawal on Freecharge money debited . After few days, wallet has been restricted. I wrote many mails to cc but all went unanswered. Go to local branch but they are unaware of it. Now what should I do ? Where to send mail/tweet for refund?
2) In June, I transacted on Citrus through Udio for Rs 1000/-. Trxn unsuccessful but money debited. Cashback of Rs.100 received for offer but original Rs.1000/- not refunded still. Udio kept saying that, Trxn successful & Citrus saying Unsuccessful. I wrote too many emails & tweets
For Banking related complaints there are Banking Ombudsmen system. For virtual wallets there must be any grievances system. I searched a lot but nothing found. If anyone knows where to complaint pls let me know.
Also is it possible to reach consumer court or only Legal notices to both companies by my lawyer will bring them at knee?

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