Ombudsman is primarily a complaint established between the customers and the company. An ombudsman is a lawyer who investigates and establishes the complaints of the public against a faulty administration, might that be government or non-government administration. There are several genres of administration and each ombudsman specialized in one or more than one of them. Details on one of them are given below.
How to file an ombudsman complaint against a bank?
If you are not happy with your bank and its administration, then you can complain against them with an ombudsman. Here are the steps you will need to follow.
Do not complain to the banking ombudsman at first, at first file a complaint to the bank. If they do not reply within 30 days or if the reply is not satisfactory, then you must approach the ombudsman. Increase the seriousness of your complaint within a year if the reply or within a month and a year of your first representation.
Make sure that you complain to the banking ombudsman of the jurisdiction in which your bank is located. If it is a card related problem or any other centralized issue then your billing address will determine the location of your bank and hence the jurisdiction of your banking ombudsman.
In case of writing complaints, you must download then print, and fill-up the form available on the website of your bank. The relevant details must be mentioned like- name, address, and some other facts about the complaint including the suffered loss and the sought relief. Remember to attach the document related to your complaints along with the form during submission.
It is also possible to file a complaint online on the banking ombudsman’s website. The ombudsman must examine the case followed by the settlement of the dispute through mediation and conciliation among the bank and the customer, or just bypassing an award for the victim.
If you are not satisfied with the order that the ombudsman provided you can always take your complaints and make a case in the customer courts.
Always make sure that you inform your bank about any fraudulent transaction within 3 days of the incident. If you take more than three days and within 7 working days then your liability is capped to a certain amount, and after that, your liability will be in the hands of your bank.
For any other administrations
For any other administrations, the procedure remains more or less the same. The only thing that varies with the administration in this procedure is the authority that you are complaining against.
The article has provided you with enough information to get started on an ombudsman complaint. If you face any other problems make sure you comment on them. Do you think there is some piece of information missing? Help others by leaving a comment.