Dear Sir and Madame,
Financial Ombudsman acting according to the Act of August 2015 concerning the complaint handling process by the units of financial market and Financial Ombudsman ( journal of Laws from 2015, item 1348) is representing the interest of financial market clients.
A client of financial market can be defined as:
- A natural person being an insurer, insured, a beneficiary or a person entitled due to the insurance contract.
- A natural person vindicating his/her claims due to the Act of May, 22 2003 of obligatory insurance, Insurance Guarantee Found and the Polish Insurer's Bureau.
- member of pension fund or a person entitled due to Act of August 1997, concerning the organization and functioning of pension funds, participant of employee pension program, or a person entitled due to Act of April 20,2004 concerning the employee pension program, savers or a person entitled due to the Act of April 20, 2004 about individual retirement accounts and individual accounts of retirement protection, a person receiving the capital pension as determined in the Act of November, 21 2008 about capital pension.
- A natural person being a client of a bank, a member of savings and loan associations, client of financial institution, client of payment service, client of institution offering e-money service ( also foreign institution of this sort) client of credit service, client of financial institution, member of investment funds, investment institution and loan institution.
Financial Ombudsman is not taking any actions when a complaint is submitted by commercial law companies, churches and religious institutions, Public Treasury, public administration units and offices cooperating with them, local government units, housing associations, government organizations , healthcare centers and other natural persons and organizational units without legal personality.
However, Financial Ombudsman can take actions on the behalf of a client of the financial market in the process of handling a complaint.
According to the regulation, a complaint is a statement addressed by the client to the financial service provider in which a client expresses his dissatisfaction from its service.
Consequently, a complaint can be submitted to the Financial Ombudsman after the financial service provider refuses to do anything reasonable to sort out the problem. Firstly, a client should follow the internal complaint procedure of a given company.
Financial Ombudsman can be asked for help in resolving a problem in case an insurance service provider do not respond to a complaint in a reasonable period of time or did not fulfill other obligations determined in the regulation concerning the complaints' handling process ( e.g. fails to present in the insurance contract information concerning the complaint procedure or fails to provide a client with proper feedback to a complaint).
In order to launch a complaint to the Financial Ombudsman a client has to send the proper written complaint form.
The complaint should be addressed to:
Al. Jerozolimskie 87
Biuro Rzecznika Finansowego
Al. Jerozolimskie 87
Complaint submitted via e-mail should be the scan of written complaint with a signature or include the electronic signature.
A complaint form should include:
- your address or postal address,
If a person submits a complaint acting on a behalf of other person, a complaint should include also the power of attorney to authorize one to represent the interest of this person. Sample power of attorney can be found in the Letterform section.
A correct complaint form should include the short outline of the problem and the action taken already by a complainant in order to resolve it:
- Provide evidence that all the ways of resolving the issue directly with the financial service provider are exhausted,
- Provide the details of the problem, outlining the things that the financial company did wrong in your opinion,
- Provide the arguments justifying that your complaint about a financial unit is rightful and explain what you have lost in terms of personal justice etc.
Every complaint should include also the relevant letter, e-mails and other correspondence with the financial service provider.
When a complaint is passed only to the attention of Financial Ombudsman without a clearly stated request to start an intervention, a letter is left without any response.
Personal data given when lodging a complaint will be processed by the Insurance Ombudsman with a registered seat in Warsaw, Al. Jerozolimskie 87, (according to the Polish law of August 29, 1997 on the protection of personal data Journal of Laws 2002 No. 101 item 926.). Data will be used to consider the complaint and for the archival needs. Every person has a right to access his/her personal data and to modify them. Although, giving personal data is voluntary it is needed for a complaint to be resolved.