To Consumers of Banking Services
Violation of consumer rights in banking services may be identified on the following grounds:
- Appeals from individuals and authorized representatives of legal entities (oral, written, electronic);
- Cases identified as a result of inspections carried out by supervisory authorities of the Republic of Uzbekistan, the Bank’s Consumer Rights Protection Service, working groups and special commissions;
- Cases identified by structural divisions of the Head Office, branch managers and responsible employees;
- Topics, materials and other facts published or discussed in mass media and social networks.
If you believe that your rights have been violated, please contact us through the communication channels listed below.
If violations of consumer rights are identified, measures will be taken to restore the violated rights, provide legal advice, and apply appropriate disciplinary actions to employees responsible for violations.
If a consumer is not satisfied with the measures taken to restore their violated rights or is dissatisfied with the Bank’s activities, they may apply to authorized state bodies, the court, or the Central Bank of the Republic of Uzbekistan.
Ways and Addresses to Contact “Ipoteka-bank” JSCMB
1. Reception days of the Bank’s management;
2. “Ipoteka-bank” JSCMB Contact Center: (78) 150-11-22, 1233;
3. Email: info@ipotekabank.uz
4. Head Office and branch addresses;
5. Virtual Reception of the President of the Republic of Uzbekistan: pm.gov.uz
6. Law of the Republic of Uzbekistan “On Appeals of Individuals and Legal Entities”;
7. Law of the Republic of Uzbekistan “On Protection of Consumer Rights”;
8. Regulation “On Minimum Requirements for Commercial Banks in Interaction with Consumers of Banking Services” (Registration No. 3030, dated 02.07.2018).
Dear Customers!
Would you like to resolve disputes and issues with the Bank before going to court?
Then use negotiation and mediation procedures!
Negotiation and mediation methods are widely used within the “Ipoteka-bank” JSCMB system to resolve disputes before trial.
- In a rule-of-law society, creating alternative mechanisms for dispute resolution is considered an effective tool for restoring violated rights of individuals and legal entities.
- In this regard, systematic work is currently being carried out within “Ipoteka-bank” JSCMB to improve communication between responsible employees and the public, ensure reliable protection of customers’ rights and freedoms, and introduce modern mechanisms for resolving their issues.
- If you have a problem, dispute or disagreement related to the activities of “Ipoteka-bank” JSCMB, you may contact the Bank’s Head Office electronically, in writing, or orally by phone: (78) 150-11-22 and 1233.
- When reviewing appeals, the Bank’s management ensures equality of the parties, impartiality, legality, collegiality and uniformity of law enforcement practice, respects the rights and legitimate interests of applicants, and follows the principle that all unavoidable contradictions and ambiguities in legislation on appeals of individuals and legal entities are interpreted in favor of the applicant.
- In addition, in accordance with the Economic Procedural Code and the Civil Procedural Code of the Republic of Uzbekistan, during case preparation for court proceedings, the judge determines the possibility of concluding an amicable settlement agreement or resolving the dispute through alternative methods and explains the legal consequences of such actions.
| Document | Name / Description |
|---|---|
|
Procedure for Release of Pledged Property or Replacement of Collateral (Extract from GTB Regulation) |
|
|
Procedure for Reviewing Asset Terms (Restructuring) |
