FDRC 2018 Annual Report

Annual Report 2018 年度報告 5 Financial Dispute Resolution Scheme 金融糾紛調解計劃 STANDARD ELIGIBLE DISPUTES • An Eligible Claimant is an individual, a sole proprietor or a small enterprise ; • The financial institution involved in the dispute is a member of the FDRS; • The claim is of monetary nature with a maximum claimable amount of HK$1,000,000; • The claimant has lodged a written complaint to the relevant financial institution. He/she has received a Final Written Reply but the dispute cannot be resolved or he/she has not received a Final Written Reply more than 60 days after he/she lodged a written complaint; • The claim is made within 24 months from the date of purchase of the financial product or service or the claimant first had knowledge of his/her loss, whichever is the later; • The claim is not about policies, fees and investment performance, except a dispute concerning an alleged non- disclosure, inadequate disclosure, misrepresentation, negligence, incorrect application, breach of fiduciary duty, breach of any legal obligation or duty, or maladministration; and • The claim can be the subject of court proceedings but there has not been a decided judgment on the same claim. EXTENDED ELIGIBLE DISPUTES • Subject to the parties’ consent, the FDRC may handle cases with a claim exceeding HK$1,000,000 and/or beyond the 24 months limitation period. For further information, please refer to the FDRS’s Intake Criteria at the website of FDRC. 標準合資格爭議 • 合資格申索人須為個人、獨資經營者或小 型企業； • 涉及爭議的金融機構須為調解計劃的成員； • 申索屬金錢性質，最高申索金額為港幣 1,000,000 元； • 申索人已經向有關金融機構作出書面投 訴，並已收到最後書面答覆，但爭議未能 夠解決；又或在書面投訴超過 60 天後，申 索人仍未收到最後書面答覆； • 申索人須於購買金融產品或服務，或首次 得知蒙受金錢損失，當日起 24 個月內提出 申索，以較後者為準； • 申索並非與政策、收費及投資表現有關， 但指稱涉及隱瞞、資料披露不足、失實陳 述、疏忽、不正確施行、違反受信人義 務、違反任何法律責任或職責，或行政失 當的爭議除外；及 • 申索可以是正進行法院訴訟程序但並未就 同一項申索有裁決的案件。 延伸合資格爭議 • 在雙方同意下﹐調解中心可以處理一些超 出港幣 1,000,000 元及╱或超出 24 個月申索 時效期限的個案。 有關詳情請參閱調解中心網頁上調解計劃的《 個 案受理準則 》。