The services of organizations engaged in financial activities are used by a very large number of people. This includes services for the provision of credit funds.
It happens that a person who has used various services of these organizations, for example, a bank, is not always satisfied with the quality of service. In this case, there is a misunderstanding and, as a consequence, a situation called conflict.
Not all people are aware of what to do in this case and where you can turn to on this issue.
Oral and written claims
The most reasonable way to resolve the conflict is that even at the earliest stage of misunderstanding of the client and the organization, you can make a call to the hotline available to all banks. The responding operator will listen to everything the client wants to say and, if he does not help in the solution, he will certainly prompt the specialist in whose competence the area of this issue is. Simply put, he can immediately switch the client to the desired department of this bank.
Also, similar to the first scheme, you can come directly to the bank’s office itself and there you will already present the essence of the problem to specialists from the credit department. In some cases, the problem is solved immediately and immediately, especially if the case involved any technical failures. This happens in case of system failures in the bank.
When the employee to whom the client has addressed with a question of concern to him does not want to listen to the person and somehow help, there is an opportunity to talk directly with the head of the institution. It is impossible to predict whether the case will move after this, since it depends on a number of different factors, but this method should not be neglected. It is quite possible that this will help and there will be no need for further action.
Everything that was stated above is an oral claim. When all these methods have been tried, and nothing happened, when the client is supposedly not heard, it is time to write down all your claims on paper and this will be a written claim. This is already a letter that must be sent to the bank by mail and track its receipt by the organization using a notification.
The bank has a month of time to give the client an answer to the essence of his question and he cannot ignore such an appeal. The answer will also come in the form of a letter and, if it is negative, the client needs to act in other ways.
Instances that can help
The banking organization may not want to resolve all issues peacefully, then the client may agree with this or continue solving his problem at a different level, with the help of the relevant organizations.
Many borrowers turn to Rospotrebnadzor, especially when it comes to sudden changes in interest on a loan or any other issues that have arisen under the contract.
In the financial sector, the FAS organization protects clients. You should contact it if what was promised to the client initially, say, in the bank’s advertisement, does not correspond to what is actually happening. For example, when the conditions written in the contract are much less loyal to those offered earlier.
Not too many borrowers have information that they can contact the Central Bank in case of problems with financial institutions. But, then it will be necessary to provide a weighty confirmation of your words and collect all the necessary documents.
