Complaint Form

The co-complainant is someone who has a joint account/policy with the complainant. A representative is someone who is submitting a complaint on behalf of someone else.

*If there are more than 2 persons making this complaint, please list the details of the other person(s) on a separate sheet of paper and attach it to this Form.

If the complainant is a small business, the Form must be completed by someone who is authorized to act for the small business. To be considered a small business, you must attach sound proof that the assets of the business, without its land or buildings, is not valued at more than TT$1.5 million on the date when the complaint occurred. Proof includes audited financial statements or financial statements used for tax purposes.

The FSO will need to access personal details, including financial information about me, in order to deal with my complaint effectively. The FSO will handle such information in the strictest confidence unless compelled by law to disclose this information.

2. The FSO, Central Bank of Trinidad and Tobago and other organizations and official bodies, including the Bank/Insurance Company I am complaining about, have the authority to exchange information about this complaint.

3. My case may be published for educational purposes or be reflected in the FSO’s statistics but the identity of the parties would not be revealed.

4. Complaints are handled in a different manner from a Court of law and the FSO would not usually require parties to attend hearings in person. Instead, disputes are resolved by correspondence, telephone or other means of communication.

5. The FSO may dismiss my complaint if I fail to provide information when requested, or, if I fail to reply to letters from the Office within a reasonable time. My complaint may also be dismissed if I am upsetting, abusive or insulting when communicating with the Office. The FSO has the sole right to determine whether I have been upsetting, abusive or insulting.

6. If at any time I am not satisfied with the process or the outcome, I am free to take the matter to Court or elsewhere. In such a case, I would inform the FSO immediately, in writing, and the FSO will close its files on my complaint.

By signing this Complaint Form, I agree to:

1. Give my consent to the Bank/Insurance Company against which I am complaining, to release any necessary information to the FSO which is related to my complaint.

2. Give my consent to the FSO and the Bank/Insurance Company to exchange any information relevant to my complaint.

3. Keep all discussions between the Bank/Insurance Company, the FSO and I confidential. Should my complaint be the subject of a Court matter or any other dispute-resolving process, neither my representative nor I, will subpoena any documents in my file or the Ombudsman or any member of her staff. Neither my representative nor I will order that any of these documents be discovered in terms of any rules of Court.