COPRA & OMBUDSMAN
1. Under COPRA 1986, what is the limit upto which State Forum can handle cases? Above 20
lakhs & upto 100 lakhs
2. What is the structure of consumer disputes redressal forum? Three Tier system
3. Limitation for filing complaint under COPRA from the date of cause of action is:Within 24 months
4. If a consumer is aggrieved with the verdict of the National Commission under C P Act, whether he
can appeal? YES. He can appeal to the Supreme Court
5. Under COPRA, a consumer can file a case at National Commission if the compensation claimed
exceeds: Rs. 100 lakhs
6. What is the cut-off limit for entertaining cases under COPRA at the District Forum? Rs. 20 lakhs
7. Fine for preferring vexatious complaints under COPRA is Rs. 10,000/-
9. When the new Banking Ombudsman Scheme was introduced? 1-1-2006.
10. What is the status of Consumer courts? Consumer Courts are quasi judicial authority
11. When a customer/Complainant can approach the Banking Ombudsman for redressal of
grievance? After expiry of 30 days from the date of his complaint to the Branch if his Complaint is
not addressed satisfactorily
12. On what ground the Banking Ombudsman can reject complaints?
If the complaint made is beyond pecuniary jurisdiction, then the Banking Ombudsman can reject the
complaints.
13. The underlying difference between approaching a Banking Ombudsman and filing a complaint
under the Consumer Protection Act is Customer/complainant can approach under CP Act
directly without prior notice to Bank.
14. Whether a person who has got an award under Ombudsman Scheme can prefer complaint under
COPRA also? YES.
15. An Ombudsman is appointed by whom? The Ombudsman is appointed by RBI.
16. Banking Ombudsman can act as Arbitrator? No. Arbitration provision has been removed
17. When a Bank is aggrieved on the Award given by the Ombudsman, what is the Alternative? Bank
can prefer appeal before the Appellate Authority
18. When the Appellate Authority finds that the reasons given by the Bank for appeal sound and
merit consideration, what is the alternative?
Record his observations and revert the matter to the ombudsman for reconsidering the issue
19. What are conditions for filing appeal before State forum against the orders of district forum
Appeal to be filed against orders of District Forum in State forum after depositing 50% of amount
granted by the District forum or Rs. 25000 whichever is less.
20. What are conditions for filing appeal before National forum against the orders of State forum
Appeal against Orders of State Forum can be filed in National Forum after depositing 50% of
amount granted by State forum or Rs. 35,000 whichever is less
21. What are the conditions for filing appeal before Supreme Court against the orders of National
forum Appeal against the orders of National Forum can be filed before Supreme Court after
depositing 50% of decreed amount by the National Commission or Rs.50,000 which ever is less.
22. What is the fine for non-compliance of orders of Consumer Forum Non-compliance of orders
of forum will attract a fine of Rs. 2000 UPTO Rs. 10,000 or imprisonment of 1- 3 years or
both.
23. What is the Limitation period for filing of appeal against the orders of a particular Forum in the
Higher Forum 30 Days of receipt of Order
1. Under COPRA 1986, what is the limit upto which State Forum can handle cases? Above 20
lakhs & upto 100 lakhs
2. What is the structure of consumer disputes redressal forum? Three Tier system
3. Limitation for filing complaint under COPRA from the date of cause of action is:Within 24 months
4. If a consumer is aggrieved with the verdict of the National Commission under C P Act, whether he
can appeal? YES. He can appeal to the Supreme Court
5. Under COPRA, a consumer can file a case at National Commission if the compensation claimed
exceeds: Rs. 100 lakhs
6. What is the cut-off limit for entertaining cases under COPRA at the District Forum? Rs. 20 lakhs
7. Fine for preferring vexatious complaints under COPRA is Rs. 10,000/-
9. When the new Banking Ombudsman Scheme was introduced? 1-1-2006.
10. What is the status of Consumer courts? Consumer Courts are quasi judicial authority
11. When a customer/Complainant can approach the Banking Ombudsman for redressal of
grievance? After expiry of 30 days from the date of his complaint to the Branch if his Complaint is
not addressed satisfactorily
12. On what ground the Banking Ombudsman can reject complaints?
If the complaint made is beyond pecuniary jurisdiction, then the Banking Ombudsman can reject the
complaints.
13. The underlying difference between approaching a Banking Ombudsman and filing a complaint
under the Consumer Protection Act is Customer/complainant can approach under CP Act
directly without prior notice to Bank.
14. Whether a person who has got an award under Ombudsman Scheme can prefer complaint under
COPRA also? YES.
15. An Ombudsman is appointed by whom? The Ombudsman is appointed by RBI.
16. Banking Ombudsman can act as Arbitrator? No. Arbitration provision has been removed
17. When a Bank is aggrieved on the Award given by the Ombudsman, what is the Alternative? Bank
can prefer appeal before the Appellate Authority
18. When the Appellate Authority finds that the reasons given by the Bank for appeal sound and
merit consideration, what is the alternative?
Record his observations and revert the matter to the ombudsman for reconsidering the issue
19. What are conditions for filing appeal before State forum against the orders of district forum
Appeal to be filed against orders of District Forum in State forum after depositing 50% of amount
granted by the District forum or Rs. 25000 whichever is less.
20. What are conditions for filing appeal before National forum against the orders of State forum
Appeal against Orders of State Forum can be filed in National Forum after depositing 50% of
amount granted by State forum or Rs. 35,000 whichever is less
21. What are the conditions for filing appeal before Supreme Court against the orders of National
forum Appeal against the orders of National Forum can be filed before Supreme Court after
depositing 50% of decreed amount by the National Commission or Rs.50,000 which ever is less.
22. What is the fine for non-compliance of orders of Consumer Forum Non-compliance of orders
of forum will attract a fine of Rs. 2000 UPTO Rs. 10,000 or imprisonment of 1- 3 years or
both.
23. What is the Limitation period for filing of appeal against the orders of a particular Forum in the
Higher Forum 30 Days of receipt of Order
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