Tuesday, 10 September 2019

Ombudsman-3 , Banking Fundamentals to Know for Students.

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Grievance Redressal

Ombudsmen are independent, impartial and provide a free service. They investigate complaints that haven't been solved by the organization complained against. Ombudsmen investigate complaints when something has been handled badly or unfairly, making someone suffer as a result. This is sometimes called maladministration.
Banking Ombudsman is a quasi-judicial authority functioning under India's Banking Ombudsman Scheme 2006, and the authority was created pursuant to a decision made by the Government of India to enable resolution of complaints of customers of banks relating to certain services rendered by the banks. Ombudsman need not be appointed by government; they can work for a non-government organization or even for the general public.

How to complain

1.   get in touch online. You can tell us about your complaint online.
2.   get in touch by phone. You can phone us on 0800 023 4567. We're here from 8am to 8pm Monday to Friday, and from 9am to 1pm on Saturdays.
3.     get in touch by post. You can fill out our complaint form and post it to us.
Lodge complain about Banking Ombudsman of RBI. Lodge your complaint with the Banking Ombudsman of Reserve Bank of India. You can fill up this online complaint form with details of the complaintbank's name against whom you wish to file a complaint, phone numbers, bank account details, etc.

As on end of April 2018, twenty Banking Ombudsmen have been appointed with their offices located mostly in state capitals. The RBI has listed around 25 areas where the customers can raise complaints with the Banking Ombudsman.
Ombudsmen are independent, free of charge and impartial – that is, they don't take sides with either the person who is complaining or the organization being complained about.

Redressal for customer complaints against banks

The main object of the complaint is to get resolved your problem as earliest. So it is most important to make a complaint to the appropriate person who will resolve your problem effectively

Most of us have experiences of bank executives, who have not provided us good services at some point in time. We face issues like activating our dormant account, issue of the checkbook, adding nominee name, refunding overdraft charges, delay in remittance from abroad, closing bank account, etc. At times, we do not get a proper resolution from the bank. In such case need to know to whom can we file a complaint to resolve our issue.

Banks are like any other business and therefore you can file a complaint against them—if you are not satisfied with their services. Filing a complaint also helps you, to make sure that next time you won’t have any bad experience with them. However, for a filing a complaint against a bank you first need to know the right process.

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