↓
Adjudicator
Termination/Mediation 䋨⚳ੌ䊶䊜䊂䉞䉣䊷䉲䊢䊮䋩㩷
→initial decision㩷 (ೋᦼቯ䋩
↓
Ombudsman
Final decision㩷 (ᦨ⚳ቯ䋩
㌁ⴕ䉥䊮䊑䉵䊙䊮㩷 䋱
㪚㪦㪥㪚㪠㪣㪠㪘㪫㪠㪦㪥㪘㪥㪛㩷㪠㪥㪭㪜㪪㪫㪠㪞㪘㪫㪠㪦㪥
㩷 㪈㪐㪐㪏㪆㪐
㪐
㪈㪐㪐㪎㪆㪐 㪏 㪚㫆㫅㪺㫀㫃㫀㪸㫋㪼㪻㩷㫊㪼㫋㫋㫃㪼㫄㪼㫅㫋㩷㪹㪼㪽㫆㫉㪼㩷㫀㫅㫍㪼㫊㫋㫀㪾㪸㫋㫀㫆㫅㩷䋨⺞ᩏ೨䈮䈅䈦䈞䉖䈪⸃䋩 㪈㪃㪈㪐㪊㩷 㪐㪍㪇㩷 㪚㫆㫅㪺㫀㫃㫀㪸㫋㪼㪻㩷㫊㪼㫋㫋㫃㪼㫄㪼㫅㫋㩷㪻㫌㫉㫀㫅㪾㩷㫀㫅㫍㪼㫊㫋㫀㪾㪸㫋㫀㫆㫅㩷㩿⺞ᩏਛ䈮䈅䈦䈞䉖䈪⸃䋩 㪎㪊㩷 㪋㪐㩷
㩷 㪈㪃㪉㪍㪍㩷 㪈㪃㪇㪇㪐㩷
㪘㪻㫁㫌㪻㫀㪺㪸㫋㫀㫆㫅㩷㪸㪺㪺㪼㫇㫋㪼㪻㩷㪹㫐㩷㪹㫆㫋㪿㩷㫇㪸㫉㫋㫀㪼㫊㩷 䋨ਔᒰ⠪䈮䉋䉎䉝䉳䊠䊂䉞䉬䊷䉲䊢䊮᩺ฃ䈔
䉏䋩 㪋㪈㪎㩷 㪊㪍㪐㩷
㪝㫀㫅㫀㪺㪸㫃㩷㪻㪼㪺㫀㫊㫀㫆㫅㩷㪹㫐㩷㪸㫅㩷㫆㫄㪹㫌㪻㫊㫄㪸㫅㩷 㩿䉥䊮䊑䉵䊙䊮䈮䉋䉎ᦨ⚳ቯ䋩 㪉㪍㪌㩷 㪉㪍㪉㩷
㩷 㪍㪏㪉㩷 㪍㪊㪈㩷
㪮㫀㫋㪿㪻㫉㪸㫎㫅㩷㪹㫐㩷㪺㫆㫄㫇㫃㪸㫀㫅㪸㫅㫋㩷㪻㫌㫉㫀㫅㪾㩷㫀㫅㫍㪼㫊㫋㫀㪾㪸㫋㫀㫆㫅㩷 㩿⺞ᩏਛ㩷 ↳䈚ੱ䈮䈎䉌ข䉍ਅ䈕䋩 㪋㪇㩷 㪉㪊㩷 㪝㫆㫌㫅㪻㩷㫋㫆㩷㪹㪼㩷㫆㫌㫋㫊㫀㪻㪼㩷㫉㫌㫃㪼㫊㩷㫆㫅㩷㫀㫅㫍㪼㫊㫋㫀㪾㪸㫋㫀㫆㫅㩷 㩿⺞ᩏ䈮䉋䉍ᧄ䊦䊷䊦એᄖ䈱䉅䈱䈫್䈘䉏
䈢䉅䈱䋩 㪎㩷 㪏㩷
䋲䋰䋱䋱ᐕ䋲䋳ᣣ Copyright ©㩷Keiko Tanaka all rights reserved 5
㌁ⴕ䉥䊮䊑䉵䊙䊮䋲㩷
㪮㫉㫀㫋㫋㪼㫅㩷㪺㫆㫄㫇㫃㪸㫀㫅㫋㫊㩷㫉㪼㪺㪼㫀㪼㪻㩷㪈㪐㪏㪌㪆㪏㪍㩷㫋㫆㩷㪈㪐㪐㪏㪆㪐㪐
㪈㪉㪃㪎㪈㪊 㪈㪈㪃㪏㪎㪋 㪏㪃㪏㪈㪏
㪎㪃㪉㪍㪋 㪍㪃㪎㪉㪊
㪏㪃㪇㪉㪎
㪐㪃㪌㪎㪏 㪐㪃㪋㪉㪌 㪌㪃㪏㪐㪏
㪊㪃㪌㪋㪏 㪉㪃㪎㪇㪍 㪉㪃㪇㪏㪐 㪈㪃㪎㪋㪏
㪇 㪉㪃㪇㪇㪇 㪋㪃㪇㪇㪇 㪍㪃㪇㪇㪇 㪏㪃㪇㪇㪇 㪈㪇㪃㪇㪇㪇 㪈㪉㪃㪇㪇㪇 㪈㪋㪃㪇㪇㪇
㪈㪐㪐㪏㪆㪐㪐 㪈㪐㪐㪎㪆㪐㪏 㪈㪐㪐㪍㪆㪐㪎 㪈㪐㪐㪌㪆㪐㪍 㪈㪐㪐㪋㪆㪐㪌 㪈㪐㪐㪊㪆㪐㪋 㪈㪐㪐㪉㪆㪐㪊 㪈㪐㪐㪈㪆㪐㪉 㪈㪐㪐㪇㪆㪐㪈 㪈㪐㪏㪐㪆㪐㪇 㪈㪐㪏㪏㪆㪏㪐 㪈㪐㪏㪎㪆㪏㪏 㪈㪐㪏㪍㪆㪏㪎
䌐䌉䌁㩷 䋧㩷 Building society
z PIA (Personal Investment Authority Ombudsman)
z 2000 ᐕ㩷 㩷 䋴䋰䋦㩷 䉥䊮䊑䉵䊙䊮䈮䉋䉎ⵙቯ
z ᦨༀ䈱䉝䊄䊋䉟䉴䈱ਇ⿷䇮
z ⧰ᖱ䈱ᱧผ⊛⢛᥊
z Building Society Ombudsman
z ળຬ䈎䉌䈱ਇḩ
z 䇸ട⋖䊜䊮䊋䊷䈏ਇᒰ䈮ᛒ䉒䉏䉎䋿䇹
z ቛ䊨䊷䊮䈮䈧䈇䈩䈏৻⇟ᄙ䈇
z 䉥䊮䊑䉵䊙䊮䈱ⵙቯ㩷 䋵䋰䋦
⥄ಽ䈢䈤䈮䈫䈦䈩ਇ⋉䈭⚿ᨐ䋿㩷 →㩷 ᬺ⇇䈱⚊ᓧ
䋲䋰䋱䋱ᐕ䋲䋳ᣣ Copyright ©㩷Keiko Tanaka all rights reserved 7
䌆䌏䌓䈪䈱ᄌㆫ㩷
㩷 䌾䉝䉳䊠䊂䉞䉬䊷䉺䊷䈱ᓎഀ䌾
㪋㪈㪋㪃㪎㪉㪉
㪊㪏㪏㪃㪉㪊㪐
㪋㪍㪉㪃㪊㪋㪇
㪌㪋㪏㪃㪊㪊㪏
㪍㪈㪋㪃㪈㪋㪏
㪍㪎㪉㪃㪐㪎㪊
㪍㪉㪎㪃㪏㪈㪋
㪎㪐㪋㪃㪍㪋㪏 㪎㪏㪐㪃㪏㪎㪎
㪐㪉㪌㪃㪇㪐㪌
㪊㪈㪃㪊㪋㪎 㪋㪊㪃㪊㪊㪇 㪍㪉㪃㪈㪎㪇 㪐㪎㪃㪐㪇㪈 㪈㪈㪇㪃㪐㪍㪊 㪈㪈㪉㪃㪐㪉㪊 㪐㪋㪃㪊㪐㪉 㪈㪉㪊㪃㪇㪏㪐 㪈㪉㪎㪃㪋㪎㪈 㪈㪍㪊㪃㪇㪈㪉 㪏㩼
㪈㪈㩼
㪈㪊㩼
㪈㪏㩼 㪈㪏㩼
㪈㪎㩼
㪈㪌㩼 㪈㪌㩼 㪈㪍㩼
㪈㪏㩼
㪇 㪈㪇㪇㪃㪇㪇㪇 㪉㪇㪇㪃㪇㪇㪇 㪊㪇㪇㪃㪇㪇㪇 㪋㪇㪇㪃㪇㪇㪇 㪌㪇㪇㪃㪇㪇㪇 㪍㪇㪇㪃㪇㪇㪇 㪎㪇㪇㪃㪇㪇㪇 㪏㪇㪇㪃㪇㪇㪇 㪐㪇㪇㪃㪇㪇㪇 㪈㪃㪇㪇㪇㪃㪇㪇㪇
㪇㩼 㪉㩼 㪋㩼 㪍㩼 㪏㩼 㪈㪇㩼 㪈㪉㩼 㪈㪋㩼 㪈㪍㩼 㪈㪏㩼 㪉㪇㩼
㫋㫆㫋㪸㫃 㪋㪈㪋㪃㪎㪉㪉㩷 㪊㪏㪏㪃㪉㪊㪐㩷 㪋㪍㪉㪃㪊㪋㪇㩷 㪌㪋㪏㪃㪊㪊㪏㩷 㪍㪈㪋㪃㪈㪋㪏㩷 㪍㪎㪉㪃㪐㪎㪊㩷 㪍㪉㪎㪃㪏㪈㪋㩷 㪎㪐㪋㪃㪍㪋㪏㩷 㪎㪏㪐㪃㪏㪎㪎㩷 㪐㪉㪌㪃㪇㪐㪌㩷 㫉㪼㪽㪼㫉㩷㫋㫆㩷㪸㪻㫁㫌㪻㫀㪺㪸㫋㫆㫉 㪊㪈㪃㪊㪋㪎 㪋㪊㪃㪊㪊㪇 㪍㪉㪃㪈㪎㪇 㪐㪎㪃㪐㪇㪈 㪈㪈㪇㪃㪐㪍㪊 㪈㪈㪉㪃㪐㪉㪊 㪐㪋㪃㪊㪐㪉 㪈㪉㪊㪃㪇㪏㪐 㪈㪉㪎㪃㪋㪎㪈 㪈㪍㪊㪃㪇㪈㪉
䋦 㪏㩼 㪈㪈㩼 㪈㪊㩼 㪈㪏㩼 㪈㪏㩼 㪈㪎㩼 㪈㪌㩼 㪈㪌㩼 㪈㪍㩼 㪈㪏㩼
㪉㪇㪇㪈 㪉㪇㪇㪉 㪉㪇㪇㪊 㪉㪇㪇㪋 㪉㪇㪇㪌 㪉㪇㪇㪍 㪉㪇㪇㪎 㪉㪇㪇㪏 㪉㪇㪇㪐 㪉㪇㪈㪇
䌆䌏䌓䈎䉌䉎䉒䈏࿖䈱⺖㗴
z ᬺ⇇䈗䈫䌁䌄䌒䈱䉳䊧䊮䊙
z ᮮᢿ⊛䌁䌄䌒䈻䈱⺖㗴
z ⧰ᖱ䈫⚗⸃
z 䊚䊆ⵙ್䈫䈚䈩䈱䌁䌄䌒㩷 䈫
㩷 㩷 㩷 㩷 㩷 㩷 㩷 㩷 ㊄Ⲣ䌁䌄䌒䈱Ꮕൻ䋿
z ᐭ䈱䊋䉾䉪䉝䉾䊒䋿
䋲䋰䋱䋱ᐕ䋲䋳ᣣ Copyright ©㩷Keiko Tanaka all rights reserved 9