Problems in approachingBanking Ombudsman
WHILE going through the mandatory prerequisite for filing a complaint with the Banking Ombudsman, the undermentioned first step needs some clarification.
“Approach your bank in writing to resolve your complaint stating in the letter that you intend to refer the grievance to the Banking Mohtasib if matter not resolved to your satisfaction.
The bank is allowed a maximum of 45 days to resolve your complaint.”
It is only in desperation that a complainant approaches the Banking Mohtasib, after his initial complaint is not resolved by the bank within a reasonable time. From the above it infers that
a second complaint should be lodged with the concerned bank, threatening them with the Banking Mohtasib option if the same is not redressed.
Several questions arise: Why the matter cannot be resolved by the bank without being threatened? Are bankers not supposed to satisfy their customers? Why are another 45 days required by the bank to resolve the issue before approaching the Banking Mohtasib?
MUHAMMAD K. SUFI