What do we do when we face some issue with Banks , Mutual Funds , Credit Cards , Insurance Company and such things ? The first thing we do is to file a complain with them for our problems and then we wait for their answer . What if we are not satisfied with there reply and want more justice .
We can then lodge a complain with their regulators Ombudsman and grievance cells . Let us see this in more detail .
What is Ombudsman ?
The ombudsman is the internal complaint department for socially responsible organizations (governments, companies, societies, etc.). The ombudsman has complete access to the organization’s records and personnel, and the knowledge to understand how things work internally, in order to investigate complaints made against the organization.
So we have Bank Ombudsman , Insurance Company Ombudsman and Mutual funds companies Ombudsman etc .
When should you Approach Ombudsman ?
You should first contact your Bank , Mutual funds , Insurance company and file a complain with them , Only after some specified limit of days , when you don’t get any answer or satisfactory answer you can complain with Ombudsman .
What If Obdusman do not reply or take Action ?
All the Ombudsman bodies comes under the purview of Right to Information Act (RTI act of 1995) . They are legally bound to reply for any complaints made by them ,considering its as per the stated rules .
Banking Operations and Credit Cards
Regulator : RBIWhere to Complain : Banking Ombudsman
Mutual Funds and Stock Market Related
Regulator : SEBI
Online complain click : SEBI Grievance machinist
Insurance
Regulator : IRDA
Where to Complain(New) Click: IRDA Online grievance
Click for: IRDA ommbudsman
For more Info or Call TOLL FREE NO:155255
Note : Ombudsman are the next level of bodies to complain , first try to resolve matter personally with the Bank or Insurance company which is creating problem for you
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