live law consumer Arbitration trust ombudsman

it is not easy to get justice from a Banking Ombudsman in India. Similarly, it is not easy to file an appeal against a decision of a Banking Ombudsman rejecting your complaint. Rejecting a complaint actually means that the Banking Ombudsman has decided to rule in favour of the bank against whom you complained. Why it is not easy to file an appeal against rejection, because there is a great chance that the Banking Ombudsman would have rejected your complaint citing a particular clause of the Banking Ombudsman Scheme 1996 under which an appeal is not even allowed. If you read my article on this trend of  illegal denial of appeals against decisions of Banking Ombudsman in India , you will come to know that you are legally entitled to file an appeal before the appellate authority when your complaint is rejected by a Banking Ombudsman. In this article, you will learn how to proceed in such a case and of course also when the Banking Ombudsman himself has allowed you an opportunity to fi...

Customer service in banking is one of the most important ways to keep customers coming back. It includes responding to customers’ questions and complaints in a thorough and timely manner and interacting with customers through faceto- face meetings, telephone, mail, fax and email. Most, if not all, bank employees are involved in some aspect of customer service. A complaint is an expression of concern or dissatisfaction by any party against a bank. Because of increased competition, banks are required to become more and more customer-focused. It is more costly to acquire new customers than it is to retain existing customers. Retaining customers requires customer service staff in banks to provide service that is quick, error-free and convenient. Good customer service is the heart of banking. Today banks have a wide variety of competitors for business. Because of the amount of competition, unique products in the banking industry aren’t as important as outstanding customer service. Banks con...

f you, as a consumer, have any grievances about the quality of a brand, product or service, you can file a consumer complaint and seek redress. Different types of complaints can be filed depending on the specific issue, by visiting the concerned consumer court and submitting the necessary documents. Alternatively, you can also register a consumer complaint online through the following steps.  Website The government runs a portal called the Consumer Online Resource and Empowerment Centre (core.nic.in). It is a com plaint and grievance redressal system run by the Consumer Co-ordination Council and supported by the Department of Consumer Affairs, Government of India. Registration To lodge a complaint, the consumer has to first register on the site. The online registration form has to be filled in with the name, email, address and phone  ..  Lodging a complaint A complaint can be filed against any registered brand or service provider. The online complaint system has a drop...

How to prepare and submit a Complaint to a Consumer Forum How to prepare and submit a Complaint to a Consumer Forum Of late, I have appeared before the Consumer Forums in Mumbai on behalf of several consumers. The procedure is simple, and the decision quite fast. I have received a few requests to detail the procedure for filing a Complaint. I am summarizing the procedure: But you can file a complaint before a Consumer Forum, only if you are a consumer. You cannot not file a Complaint, if the transaction is business related. First, you must be a consumer. If you have purchased goods or services for your business, for example for re-selling them, you are not a consumer. But if you have purchased goods or services, like medicines, computers, mobiles, etc. for your own use, or mediclaim insurance policies, you are certainly a consumer. Secondly, you must give a notice in writing to the supplier or service provider asking him to rectify the faults, defects, etc. The notice should...

How to file a complaint against your bank Laxmi Bhardarkar, an 81-year-old retired schoolteacher from Mumbai, feared phone calls till recently. It wasn't suprising considering that she had received nearly 1,500 threatening, abusive calls for over two months.  Bhardarkar's fault? Her son had pending dues on his credit card, a transaction he had not even carried out. He had sent a letter to the bank, pointing out the error and refusing to pay. After this, he had to go abroad for an official assignment, and while he was away, the bank appointed recovery agents, who started harassing his mother. The ordeal ended when the family contacted the police. The Bhardarkar family isn't alone in its predicament, nor is it the only grievance against banks. In 2011-12, 48,180 complaints were filed against public-sector banks alone.  Here are the steps you need to take to redress your grievance. Step 1: Complain to your bank According to Adhil Shetty, CEO, Bankbazaar....