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      Question

      Which of the following grievances would be rejected at

      the outset as it represents a clear corporate structural exclusion from the Scheme?
      A Dispute regarding a hidden processing fee on a home loan Correct Answer Incorrect Answer
      B A dispute regarding the commercial judgments or underwriting decisions of an RE Correct Answer Incorrect Answer
      C A delay in credit card bill settlement due to technical failure Correct Answer Incorrect Answer
      D Inaccurate reporting of payment history to a Credit Information Company Correct Answer Incorrect Answer
      E Unauthorized electronic fund transfer from a savings bank account Correct Answer Incorrect Answer

      Solution

      The Ombudsman cannot interfere with the commercial autonomy or risk-assessment decisions of an institution (such as a bank's internal commercial decision to deny a loan line based on credit score evaluation).

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