Form of complaint (to be lodged) with the banking ombudsman

To:


The Banking Ombudsman

Place of BO’s office…………………………..



Dear Sir,

Sub: Complaint against …………………….(Name of the bank’s branch) of

…………………………………………………………………………………(Name of the Bank)



Details of the complaint are as under:

1. Name of the Complainant …………………..



2. Full Address of the Complainant ……………………

……………………

……………………

Pin Code ………………..

Phone No/ Fax No. .……………………

Email …………………….



3. Complaint against (Name and full address of the branch/bank) ………………………….



Pin Code …………………….

Phone No. / Fax No. …………………….



4. Particulars of Bank or Credit card Account (If any)

…………………………………………………………………………



5. (a) Date of representation already made by the complainant to the bank (Please enclose a copy of the representation) ……………………….



(b) Whether any reminder was sent by the complainant? YES/NO

( Please enclose a copy of the reminder )

……………………….



6. Subject matter of the complaint (Please refer to Clause 8 of the Scheme)

…………………………………………………………………………………………



7. Details of the complaint:

(If space is not sufficient, please enclose separate sheet)

………………………………………………………………………………………………



8. Whether any reply (Within a period of one month after the bank concerned received the representation) has been received from the bank? Yes/ No

( if yes, please enclose a copy of the reply )



9. Nature of Relief sought from the Banking Ombudsman

………………………………………………………………………………

( Please enclose a copy of documentary proof, if any, in support of your claim )



10. Nature and extent of monetary loss, if any, claimed by the complainant by way of compensation (please refer to clauses 12 (5) & 12 (6) of the Scheme) Rs.……………….



11. List of documents enclosed:

(Please enclose a copy of all the documents )



12. Declaration:

(i) I/ We, the complainant/s herein declare that:

a) the information furnished herein above is true and correct;

and

b) I/We have not concealed or misrepresented any fact stated in the above columns and in the documents submitted herewith.

(ii) The complaint is filed before expiry of period of one year reckoned in accordance with the provisions of Clause 9(3)(a) and (b) of the Scheme.

(iii) The subject matter of the present complaint has never been brought before the Office of the Banking Ombudsman by me/ us or by any of the parties concerned with the subject matter to the best of my/ our knowledge.

(iv) The subject matter of the present complaint has not been decided by/pending with any forum/court/arbitrator.

(v) I/We authorise the bank to disclose any such information/ documents furnished by us to the Banking Ombudsman and disclosure whereof in the opinion of the Banking Ombudsman is necessary and is required for redressal of our complaint.

(vi) I/We have noted the contents of the Banking Ombudsman Scheme, 2006.





Yours faithfully,

(Signature of Complainant)



NOMINATION – (If the complainant wants to nominate his representative to appear and make submissions on his behalf before the Banking Ombudsman or to the Office of the Banking Ombudsman, the following declaration should be submitted.)



I/We the above named complainant/s hereby nominate

Shri/Smt………………………………………….. who is not an Advocate and whose address is

……………………………………………………………………………………………………………………… ………

as my/our REPRESENTATIVE in all proceedings of this complaint and confirm that any statement, acceptance or rejection made by him/her shall be binding on me/us. He/She has signed below in my presence.



ACCEPTED



(Signature of Representative)

(Signature of Complainant)

Note: If submitted online, the complaint need not be signed.

Insurance Ombudsmen in India

The institution of Insurance Ombudsman was created by the Government of India to handle complaints of aggrieved insured person’s pertaing to Insurance in India.


The main function of the office of the Indian Insurance Ombudsman is to quickly dispose the grievances of insured customers and lessen the problems involved in redressing complaints. This institution of Insurance Ombudsmen is vital and relevant to protect the interests of policyholders and also shape their belief in the system. The existence of an Insurance Ombudsman has helped generate and sustain faith and confidence amongst both consumers and insurers alike.

Insurance Ombudsmen are chosen from various fields such as the Civil Services, Insurance Industry and Judicial Services. They are appointed for a term of three years or till they turn sixty-five years of age. Currently there are twelve Insurance Ombudsmen appointed in different parts of the country. They all have defined jurisdictions.

Details of the Insurance Ombudsmen can be obtained from the Insurance Regulatory and Development Authority (IRDA) website www.irdaindia.org or from any Indian insurer’s office.

Claimants who could not get their complaints redressed by insurers may get in touch with the Insurance Ombudsman relevant to their states within India.

For more details, please visit: http://www.irdaindia.org/ins_ombusman.htm