Interglobe Aviation Ltd — flight canclled but actual refund not received

Flight canclled due to covid19, company is not giving refund to the passanger and transferred amount kept with them and giving one year time to use it for same passanger,
Company is using money as interest free money and passanger can't choose another airline company in future even though another flight is cheaper than this company.
Due to covid19 many common people is facing financial crises.
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