ࡱ> 35012q`bjbjqPqP n::m& & & d 1111^2T 23X7X7X77A<.DDrE$hJ`& rH@ArHrHX77t jOOOrHbX787OrHOOJ n73 {Ǯt1JJ7\0K& (FZpF@OF4FFFFzOdFFFrHrHrHrH $"+d +    complaint form This is the form you need to fill in if you want the Financial Ombudsman Service to look at your complaint. Remember you must have complained to the firm first. For help filling in this form, please phone us on 0886 955 021.    your details details of anyone complaining with you surname FORMTEXT      title  FORMTEXT       FORMTEXT      title  FORMTEXT      first name(s) FORMTEXT       FORMTEXT      occupation FORMTEXT       FORMTEXT      date of birth FORMTEXT       FORMTEXT       address for correspondence (include postcode) FORMTEXT       FORMTEXT      daytime phone  FORMTEXT      mobile  FORMTEXT      home phone FORMTEXT      email  FORMTEXT       if you are complaining on behalf of a & company or business Please give the name and annual turnover of the company or business (including any group companies) at the time you first complained to the firm. Please also attach a list of any other businesses forming part of the group.charity Please give the charitys name and annual income at the time you first complained to the firm.trust Please give the trusts name and net asset value at the time you first complained to the firm. name FORMTEXT      annual turnover, annual income or net asset value  lv*  FORMTEXT       * We will need evidence from you about this figure. If the figure is more than lv 1 million, we will not be able to look at your complaint. if someone is complaining on your behalf (eg a solicitor or relative) please give their details their name FORMTEXT      relationship to you  FORMTEXT       their address for correspondence (include postcode) FORMTEXT      daytime phone  FORMTEXT      fax  FORMTEXT      email  FORMTEXT      ref no.  FORMTEXT       details of the firm you are complaining about name of the firm FORMTEXT       their address (include postcode)  FORMTEXT      their phone number FORMTEXT      your account number & sort code or policynumber or claim number or other reference  FORMTEXT        details of the adviser or firm who originally sold the product or service youare complaining about (if different from the firm named above) their name FORMTEXT       their address (include postcode)  FORMTEXT      their phone number FORMTEXT       description of the product or service you are complaining about please give the name and type of account, policy etc FORMTEXT        daymonthyearWhen did the advice, transaction or poor service that you are complaining about take place? FORMTEXT       FORMTEXT        FORMTEXT      day month yearWhen did you first realise that there might be a problem? FORMTEXT       FORMTEXT       FORMTEXT      daymonthyearWhen did you first complain to the firm?  FORMTEXT       FORMTEXT       FORMTEXT       Have there been any court proceedings relating to your complaint or are any court proceedings planned?YES  FORMCHECKBOX  * NO  FORMCHECKBOX Have you contacted any regulator or other complaints body about your complaint?YES  FORMCHECKBOX  * NO  FORMCHECKBOX * If you have answered YES to either of these questions, please give details here  FORMTEXT      brief summary of your complaint  FORMTEXT        Important! If your complaint is about a mortgage endowment, you will need to complete our special questionnaire as well as this standard complaint form. You can download the special questionnaire from our  HYPERLINK "http://www.financial-ombudsman.org.uk/faq/mortgage.htm"  endowments complaints on our website. more details about your complaint Please list in date order all the letters, phone calls or meetings that are relevant to your complaint. This may take you a little time, but it will help to ensure the facts are set out as clearly as possible. FORMTEXT s u w x { }  żšŏŋsj_jWLWj`h2Ujh2Uh25@CJ\h25CJ\jhjbUmHnHtH uh2B*phh2"jhjbCJUmHnHtH u"jhjbCJUmHnHtH uh $5CJ\h25CJ\ h2CJh2B*CJ$ph"jh2CJUmHnHsH ujh $h $B*Uphh $B*ph  B j $If  !$If I)P NE^E  Ngd $     0 2 4 > @ B D X Z \ f h j v x  $ & : < > H J L ֳЛֳzjeh2Ujcdh2Ujch2UjZbh2@Ujah2Ujh2@UmHnHujrah2@U h2@jh2@U h2@h2jh2Ujh2UmHnHu0 vppp$Ifkdb$$Ifl4sr$6)h @  )4 laf4  $ L t v 9_kdf$$IflsF6)h`)    4 la$If_kdd$$IflsF6)h`)    4 laL N b d f p r  @ B D X Z \ f h j l  h2CJj0kh2Uh(h(h(CJaJ h2CJjnih2Ujhh2U h2CJjgh2UjIgh2Ujh2UmHnHujfh2Uh2jh2U3 B j _kd3h$$IflF6)h`)    4 la$If  !$If $If]gd( $Ifgd(bkdi$$Ifl4aF6)h`)    4 laf4  $If]$Ifbkdj$$Ifl4fF6)h`)    4 laf4    0 2 F H J T V d f z | ~  ڴzri`Th6.hXb 5CJaJhB!5CJaJh99n5CJaJh8@CJhXb hXb 5CJaJhXb 5CJaJ h99nCJ hXb CJh6.h6.CJh256B*CJ\]phh256B*CJ\]phjkmh2Ujlh2Uh2jh2UmHnHujh2Ujkh2U  0 X 3bkdm$$Ifl4F6)h`)    4 laf4$Ifbkdl$$Ifl4F6)h`)    4 laf4 RpU tt$If]^t`gd Ukdn$$Ifl0(4) $ t)644 la tt$If]^t`gd $If]gdXb dgdB! 1LMjlx "EPQSYZ\]ltŹѮߠyѮߘpg[p[hXb hXb 5CJaJhB!5CJaJh99n5CJaJhB!5CJ\aJh8@CJhXb hXb 5CJaJhXb CJaJh(hXb 5CJ\aJh(5CJ\aJh(hXb 5CJaJh6.hXb 5CJaJh6.hXb 5CJ\aJh99n5CJ\aJh85CJ\aJh6.hXb CJaJ RSY)Ukdo$$Iflq0(4) $ t)644 la tt$If]^t`gd $If]gdXb UkdBo$$IflW0(4) $ t)644 la  0>vz|~Ⱥ|tiaVRh}jphXb Uh99nCJaJh6.h99nCJaJh $CJaJh}CJaJh6.hXb CJaJjhXb UmHnHujzphXb UjhXb U hXb aJhXb h6.h6.5CJ\aJhXb CJaJhXb hXb CJaJhXb hXb 5CJaJh6.h}5CJ\aJh}5CJ\aJtdL(($IfgdXb (($IfgdXb ]gdXb \BB5 <]gdB!$ 4<]^`4a$gdB!kdfq$$Ifl\i"4)h  t0644 laV| "&(,>FVZr~°¢|pp|cpp|pZQZMh2h6.6CJ]h26CJ]h6.h?/5CJ\]h?/56CJ\]h256CJ\]h6.56CJ\]h6.CJOJQJ^JaJhXb CJOJQJ^JaJ#h}hXb 5CJOJQJ^JaJ h6.hXb CJOJQJ^JaJh $CJOJQJ^JaJh}CJOJQJ^JaJ h6.h}CJOJQJ^JaJ "PkdIs$$IflF()h\0)    4 la  !$Ifgd?/  !$If$If  !d`  d&(,:<PRT^`rt̳̾̾̾̏̚jwh?/Ujvh2Ujuh2Ujh2UmHnHujOth2Ujh2U h2CJh2jrh?/Ujh?/UmHnHuj]rh?/Ujh?/Uh?/1*}www$Ifvkdt$$Ifl40()h,"0)4 laf4 ($Ifgd?/*,:buooo$Ifkdyv$$Ifl46F()h\0)    4 laf4 "$8:<FHl ɺϧϓψ|qcϲXj{h2Ujh2UmHnHujzh2Uh2jh2Uh2h2CJ aJ h2CJjh2UmHnHujwyh2Ujh2Uh}h2@ h}@ h2@h2 h25\h?/jh?/UmHnHujh?/Ujwh?/U""JxvrfYI !<$Ifgd} N$If]Ngd}  !d<kdqx$$Ifl6F()h\0)    4 laJLN$Ifnkdy$$Ifl[0 (u 0T)4 la $Ifnkd+{$$Ifl 0 (u 0T)4 la (^kdI}$$Ifl4-(T)0T)4 laf4$Ifqkdo|$$Ifl40 (u 0T)4 laf4 RVtx "68:DFj { h25\j1h2Uj+h2Uh2h2CJ aJ h2CJjh2Uh25CJ\ h2CJjh2UmHnHuj}h2Ujh2Uh256@\] h2@ h2CJh2.  H{rla  !$If$If  !d<qkdS~$$Ifl40(%/0T)4 laf4  !0$IfHJL \Ikd$$Ifl)0 (u T)64 la  !$If$IfIkd$$Ifl0 (u T)64 la  $& !P<$If  !$If  !d<Ikd$$Ifl0 (u T)64 la "(*HJ\&(*,@BDNPTVjlnxz|~.02<>@Bſſj%h2Ujh2Ujuh2Ujh2Uh} h2CJ h2CJjh2UmHnHuj=h2Ujh2U h26]h2h25CJ\8&(*2>Hre $ $Ifa$ $$If]a$ $$Ifa$ukd$$Ifl0 (u 064 laHJ*RT|~cccW $d$Ifa$$ ~}iU"$d$Ifa$ & F }iU"$Ed$If^`Eakdj$$IflFi$(#\6    4 la|~k^LLCC $$Ifa$$ }iU"$$Ifa$ $ a$Ifa$ & F }iU"$E$If^`Ewkda$$Ifl4\i$(`b64 laf4@hoTTH $d$Ifa$$ ~}iU"$d$Ifa$ & F !E$If^`Ewkdt$$Ifl4\\i$( b64 laf4BVXZdfhj~  ",.02FHJTVXZnpr|~+01?@ACGHVʓʆʓjh2CJUjh2CJU h2@j!h2Ujh2Uj5h2U h2CJ h2CJjh2Ujh2UmHnHujh2Ujh2Uh24}pcV $ $Ifa$ $ $Ifa$ $ a$Ifa$  !$Ifwkd{$$Ifl4\i$(#\64 laf40XrWWK $d$Ifa$$ ~}iU"$d$Ifa$ & F !E$If^`Etkd$$Ifl\i$(#\64 la,YiQ$ ~}iU"$$Ifa$ & F }iU"$E$If^`Ewkd$$Ifl4\i$(#\64 laf4VWXZ*+,67  N P R f h j t v x ޸ްޥޑzlee h hpnjhpnUmHnHujnhpnUhpnjhpnU h}CJjh2UmHnHujuh2Ujh2U h2CJ h2CJjh2CJUj h2CJUh2 h2CJjh2CJUjh2CJU'YZ~2Lkd$$Ifl40}(x a)64 laf4$ ~}iU"$$Ifa$ & F }iU"$E$If^`ELkd$$Ifl40}(x a)64 laf4+  P x z | ~ ~riiiiiii $Ifgd  <$Ifdgd}]kd$$Ifl(T)0T)64 la  !P$If v<^v` ""qhdgd} <-DM ^gd  v<^vbkd$$Ifl(T)0T)64 la $Ifgd !z!!""_"`"a"w"x""""""""""ʿӿӿ~tdTNHNHDh@' h}CJ h8CJh hpn5@CJ\aJhpnhpn5@CJ\aJhpn@CJaJhhpn0J@CJaJ'juhhpn@CJUaJhhpn@CJaJ!jhhpn@CJUaJhhpn@CJh5@\hhpn5@CJ\h h@'5@CJ\aJht|5@CJ\hpn""##w  <$IfbkdT$$Iflc(T)0T)64 la <$Ifgd}  & F <""""##$#(#;#>#####$ vЄڄ܄ &(*.4†ĆƆІ҆ֆچ¸¸{ h2CJjh2U h2CJj|hh]aCJUjhh]aCJU hCJjhCJU h2CJh[;h25CJ\jh2UmHnHuUjh2Ujh2Uh2h}0      we also need to know & Has the firm sent you its final decision on your complaint in writing?YES  FORMCHECKBOX  * NO  FORMCHECKBOX  * If you have answered YES, please send us a copy of the firm s final response letter with this form How would you like the firm you are complaining about to put the matter right for you?  FORMTEXT       your permission for us to go ahead  I would like the Financial Ombudsman Service to consider my complaint. I understand that: you will need to handle personal details about me, which could include sensitive information (for example, about health matters), in order to deal with my complaint effectively; you may need to exchange information about my complaint with other organisations (for example, to find out important facts relating to my case); you handle complaints in a different way from the courts, not usually requiring people to attend hearings in person but resolving disputes by correspondence; you may publish examples of where things can go wrong, based on real cases, but you will always respect my privacy and keep my personal information confidential.  sign here  even if someone else is complaining on your behalf. Please give your job title if you are signing on behalf of a business. __________________________ ___________ __________________________ ___________ signature date signature date __________________________ ___________ __________________________ ___________ signature date signature date  finally, have you & included everything you want to tell us about your complaint? enclosed a copy of the firm s final response letter? enclosed copies of relevant documents? post to & Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR phone 0886 955 021 fax 0379 722 65 / 038627871 for security and training purposes, email scci@b-trust.org we may monitor or record phone calls website www.ombudsman.my.contact.bg Financial Ombudsman Service Centre feb 2005     We can help if you need information in a different format (eg Braille, large print etc) or in a different language. If you have any special needs, please phone us on 0886 955 021. You can download this form off our website ( HYPERLINK "http://www.ombudsman.my.contact.bg" www.ombudsman.my.contact.bg) to complete by hand. Or you can fill it in on screen  then print it off and post it back to us. reference reference  BD҄,te  ;'X$If & F E$If^`E  !d$<a$bkdi$$Ifle(T)0T)64 la,.0Ԇ}om[RF LP$If  !d & F E^`E E^`E Ed^`Eqkd$$Ifl40) 0*64 laf4Ԇֆ؆چ$&(*.p^$<$If^a$gdLf$$If^a$gdLfK$0$If^`0  !dbkd$$Ifl(X)0X)64 la چ(*.ĈJ<BTZz| ϸϬٍ{ocococZcoQHh/eHh2CJh/eH5CJaJh85CJaJh/eHh/eH5CJaJh/eHh25CJaJh8@CJh2CJOJQJh:g5CJ$\aJ$&hLfh:g5@CJ8OJQJ\aJ8h:g@CJOJQJh:gh:gCJOJQJh}CJOJQJh:gCJOJQJ"hLfh:g5CJ8OJQJ\aJ8 h:gh256CJ \]aJ h2Jn$$If^a$gdLfK$ $ & F ..<$If^.`a$gdLfK$$ & F ..<$If^.`a$gdLf$d$If^a$gd:g؏vl[[[[[ !& #$If $If d$Ifgd8$$If^a$gdLfhkd$IfK$L$lF%(4$ t6    44 la ؏܏ޏ hj4BDFNTXZ"$,.xtttxtxhb& h25\h/eHh?hB!hB!5\aJhRrhB!5CJ\hRrh/eH5CJ\h hB! h hB! hB!^Jh hB!^JhRrhB!5CJ aJ hRrhB!5CJhRrhRr5CJ h/eHh/eH h2CJ h2CJh2+؏ڏ܏ޏ Buu_ & F! $IfgdB!K$ & F! $IfgdB! $IfgdB!gd/eHL]L[kdC$$Ifl( *064 la$IfBDFZq_ !A$If^Agd taAP($If^Agd taA($If^Agd ta !k W$If^gd?Xkd—$IfK$L$lxx  t x644 l` ap q``SNgd2 $d<a$gd} `Ld]L !`d|kdm$$Ifl0(j t0644 la֒PR`ޓ  ĔƔ̔ ۿۿ۱|sms| h99nCJhLf6CJ] hjbCJ hLfCJhLfh@:jh@:Uh}h25CJ\aJhb&5CJ\aJh}h}5CJ\aJhb&5CJ\ h2CJhB!h256CJ\h25CJ\hwnhb&h2 h25\hB!h26*  RThj !$If] !^gdjb^gd2 BDFVl•ȕ*HJL&28BHLRj|Ѹ׭ᥝth}h25CJ\aJh2 hLf5\hLf@CJh8@CJhjb@CJh(@CJh LhK-0JCJj;h LhK-CJUh(hK-CJ hK-CJjhK-CJU h(CJhLfh $5CJ\ hjbCJ hLfCJ* $d<a$gd}]`kd0$$Ifl4W064 lalf4: 001hP/R . A!"#1$%n 3 01h/R . A!S"#7$%7 < 0 01h/R :pt|. A!S"#7$%7 ? 0 001h/R :pt|. A!S"#7$%7 < 0 01h/R :pt|. A!S"#7$%7 < 0 01h/R :pt|. A!S"#7$%7 `!3keJi/w ? i }*; 3xwxF0zw $vʮFE^-B NL051Ch:!z%4S7{{sIH󎴲qdDለC"Q-ODG6K9값hqxK濲Ȉ9}Tϟ#9[gtӈŏ5lBvbbf|+Az]R6]R{b,WQ(}]tDSQnlaL“bNDr!"=H?QI֦sMM"WFF~f:95ܔ0iDTgӺKQ9覦bэLFF1]t6StMӈzS>GSL6v]1)6Y<0X|P{ oG*5Q{WOIJhLJMLlNb5!q1c Y6x~HM4u]LuR1$ZL$v ܭĂDU&+YPdW_/sDbo%FD(MD$_".`k;[|82KQѸQq47j:h;}^D]Su=flLUcN?EǬ-:#~ѵ1}1 ?c[1ſb:c>bs1` ,QPpu%˹#RDŽq_Sde0,aNLÎ҆c'FLl;bT2Mw=H*E6ĘH ]vu-|4z.\=s _)r:~QcKD֖FZRbb1bȦ ^[/Ȏ-P-vz'V*<3vmX#vDq㾍+vE\qBc:rl*?sѵ㣗9uT=D:L_q" "$Q'qqĉa "NDራ@ XZe ^"Ƣp/qCDቻ𗻙<&'Z0z ʳTLM<@GOw0<:O S }>x@&7~6~0ty_fy_6x_NZ!Y{ochE`&r>Y iA A[{WSnw%X] zׂI`w:{w~+=zπLe'} @F!ƫ x|;OSFS]xi*3O 񅧒'~]xoxG;Qdޙ˻P xWލb)wX{Xl=&v!^'z7U[6x{EbvUkõ 퀸R$}j:$)]&m%`os} e= r\_!_{7ڬ_6MQ\zq^G\Ĺzq>\/g#@}C$vwQ~J,3ˢ_!Z;Q w3Zx*𗸏y$Dx( nNb1IX/SX/V ,+f\wBX)Tŷ( 2Ħb׀Y0Cqt ^gsG=!F-0}œ`4#@L&cIk6n}0 ruؠK`X< nCp N@`P>6łU3X`{  #V=,ѣ$PMmH_0xixm7|2b@8$+xtp8)&w7IAY` / +l9W`-X |p&ϼ|R2PK_ ZAG} =`~ҏ 0E? fW\6X??z.uQw ?%p'@h"|#|h-t t=@.H1)³9µɤ¾˓ s ^ Iq$"N]JmrIVIcY綈SIWI>Ihix NI.iFR1i~RqiER9icR5iWR}pRs鏤դ.ң^R~)60L\'&JSzRLi@`410[Z#mBJJRAo* kHl=EZۥͺ$?{D>'׳zutX)so˻QlďrJ\Q̂gp3vi D D+#)W/!I83HM<ģI<4܉,ߐ .ك+cVs,w3"pr%GlŌa#n=2oxl>]TFEAE6wx z@wht@pDpWCpY4@=p*j&vR؂BXBDE vBhCӸ\g7r|ïG@ %V$. ~CNM:!dMHA<.!•Í+Mu.ݐ T l*vh0`z WNŦpi6lsMaS̰ٔ) fsFbo63>%sX߸t4#MߒZ1d$kƓi\ј9Pyy9f\P*kjCh5s{:j83O`l ͰLaţd8zlh!DXC7P Ap(ox/DI(&PX{` ,8Wq=xwq/F2jd5&{`-r&yE(>I-!uҍ$ YNS,y.&nѼ]2y#9AR/E%8,#2#SҚDjb&~FMFR73ŝMqfk'96x2^mSQ.^/ώ_7D"{A: \DjQkϬ4zR_̅33 t%,Ƣ>Op={w0é  -lǚ6 +}b( (Ȋ"?YQQDXIʣ7JCL)CMe*,GrSnpgCZ`/zHנtOs]ݤ9*.P~S3E!B&4-h6@S'8;؇ r5x\K0e2P };r]+r#tXO5y8.D?FWA!Årpx]Gh"zi+X6h] {03i9;?8ެ6˪"2*7&<ԊZVQkj}^m sAp: W'\_])u/<WKW'jKEBo Vޫ Gu . o|6b݈ٓ{ ϱ?hAdon'5ni7Ǒ:vl]&avq}l`O&QTƖN2Ǜm)d-Hl~2!m62FIO$mc%lq-K\]ٶ8v'$Oc[-Id닍fX3rhlۄ,kl}P ۾A%mQ9[TVձQ[yPg0t[ZhDkm{xÛ7)chegG!T.vjjlw{joOC]٨<hQhf]h†ǰ,8 3;X c>48}j2{8^Wm` {9.{a+#p\l'ۚ!V[[gV}Mɶi[mLᒍ_dG1$hIJٖ ;:8DFَYd"kF"wmw;hH,\W~!7d,~b?LwH}%)Gc2q8#H5K8ʒfa!긃s'xN<ٱg9z9fxk^/5ۣ/=#>ϐ&/wgr=s!+H'2޽w&m'Im9R}h\C[㙮$ur]']H]Y$ ~#kQ\ۉZOb\;<9u+䴳 9Mv;ˑmt&?:1Y#˜ob]y9y x3Շc\WM< w≮<<յts\|?u/s=ë]oz?x+t%}WpN꾀OO_%N|ͽv/ܳ#=?w*Wox ?k糶ֶq-pc_\? W?8g:b%6?bK%}6r!|~r${|)d/,eXnRIk_2i >)s>+Iˏe.{|OG~]i'c m״6 :Z |\K+tJ;NkEm!Fn|&GѾlTė$_2cHPq_*C}Q3l}0Np?}Htτ$=# UP> UgM(j忍?K:C%% M;`u*X?'B;}`3|koSzp\ ar Õ=$u\2w,"}ȯ4y;!"wI/%e3IGqـ/"IyqH~\'{I^O20;i8ŐL09!gA*4*A^z0=L3<=ғ=n!u Kc9~ ?w;|U_y>'(P'P'V+9ة^(@ - xV DCP)13jX&Ɓ^QW5 }u u]`e88p pf` \Xfm @`$<z.0?9MCSڰ^֫zES/e6rr,K+pp.lw[qЈ`,jV `%,|_O9 +\%8P@=8QODt#jSHwzzZz)繖NPG't^_ס7ND!=x ^@u7Qc7 FYA29`m|6_ 3F|/xHr=(A9 Slr4X6$;m`728G)dTp\BגͤVp)<@RG)5#l6IG LZQT75͂ȕ#KZ2DƴpZC K^NES';ѣa R`/}HާUJ+&zRIIAWR\tOOI@Rh6%-M禼SS)pH؋ĵq#~ŷ-RYS$$((&EC!$"]HH~O'Gnpgbß ?Û )0&e)}7 , VKiI {T)ᬔpuJ9+ NK] ASD ji7i9gZ#8:6VnHI+/Ϲ20+"^6Kׇӛ±NpqzOc =}<>>I_oG_}Oz@(.Å32PBFdhHXY A\!:.9gg3u8%s'3c-ȼY=3cfF"e(y6a 9v#a?M4<",24\t":\p6 Z8L߶(ߧPX#ugA0^ˡbwۏ/+5zh&GQ:uQH%Mn8)\ 9L<,gSp1[8o #r.>8%b-]Ŗ!Nd)#x/$oHX<vT3W̓v~x1s3<̜ eN2G̞ppf'95l Vl32kC{fuhȬ pY!\Fp]y$\Vj*| 5KBP788v B\5>T ؐ\hMHAC ЭPz@~_n)l~pSUgpOog~_#Чp ,3 hfQd4!5SEL'2HLA)QFfT< άldG2{P̥Px) /G5ëހPx3 oGCѕt$tm BKC 4<uB-CQP.2̐B*MzX~8*426CME>!(a! e¡jjNPb "Zh(I%CH%Q ВѰ\A}Wy9ձ\ Q Q@ zcТ.Hp{`iVb`Mvg`3bԞYQ7knhh0[Σ ]w`!ܒǍY]\3.z 돽lﰑĉ,ǰQ2 RrMe>{nx/TJy -8t7RYB+hUeMVQ̢H1t3Nh:v=h{ڌWi.I!r"'/ʏy|P.˳0y^+אgi4$O?wSiV yy<μ@m^&c^+W5o3ͻeWWG-S)2!䢫LtbjLGAai:dZM[fs)cUjR͔T5P:vg(5LkڦJ=yژl^Rl6mjæHiޠ4sQqSZ/)WJwwNd݄p8w`sܥbwE]mq7`{wv݉]wwcݽY? bg(S=Yg+*sxg[zk썧=K0mQ5kWzo]]IQ=! _߮y "i]]#tnזtz\E/i#Zx_]*R"}_Ӱ -+EJ҆,Wvry+G*S)}kGzXp*'S!7Q/Р -8'c"nR4"&UU@RDBIht7ӿy4Act?D]t9:Z'w_v˅+Ey\yo7M*wM6. Y͑i ;2VޥmWjگvUɵ|GS5D] UZcۅ>%jzڻ󞣿zXe)?{3]No ew{@9=>UNx/a~v[=fmX֗%jcYd_kGX=kel-՝ZQ4TOWKRՆ /s}!/]} bӟ{Z~ί&u_RQv=?쐿,[~v[Vߛd~0#Y {N&]l7s|cYhV7}}ןY}ue,ךӚV]* ZIvJKgG$vPa۴DIdWj큲\,ю+ |m}Yw}Q_q`DdJ  C &ASCCIblR``19qDl <`DPF4`19qDl JFIF,,C     C   " }!1AQa"q2#BR$3br %&'()*456789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz w!1AQaq"2B #3Rbr $4%&'()*56789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz ?S((ۛǚ h}͒i%n $#)`3z/ Mޥ.̇pG=:|A_J~8xu$e8тXUe/ bOo^2ApB5s f'o OIw&XPm g_:,[ZGV?ErwX_}x{Jߨ42j.(6 77gj }#26vo@eZs0e00#o懍?iof_ZY\/@Ċ9\pAv.%iF t 0y]sJʼcᜦllPտdz+~=5;"(ez;[f+ӼCZBmF =0Xqӏt]A񖷤 bLVڄ`y `u*o /ie:EREi ]U^i'y2~}hmu١XBXwnGFN>WD7kzȻ_2 0:q iyk|!Q%*0ۋ`ܔ#͋ +^#|`tIOP'и@$cSX' CV}<g1d猝Jm5{~2b57+eT/pn1Iwk C#t+_oXM[@Y#1&?)qs>]R+B [?(Nz7ÿ'߇Dcgp_ N:`,C!Adzh 蠋Kg-4"TcOA_W`۲mz(Z'T8S(ܼ)_CgXxbX'zT mgMJ+JAeGs Kx|;Jo5$&wVba' r8;?KRf} 6Og2t=|g {2OimX)0ϣ--|靅 R*CN?%%<x_m~ZLj W5 I0\Dd}l8e++fr(Z_ijL-*&G.}_]?dnoyi0'=>,m#gBW:_Q!\ZDRG!ތP9>aC&rxXb]=vv_WmR9`]ǜi/+6v).chqς1{*=$6lZ,/T(2|+ztKqpyʟ8;I?|S'/$~l/+6v).chq?|G;tXq?1zc8v~*|¿ aDO<'_2|S+k^}]JV[&(у~U\J^gdC?#i_ C sHEwpcG0sg_÷/SMKxʁI$En BC_Xim{!lhr͵bXPg~wb?Jtف+NNNO_3x`ࠠd-Q\hU-oUBѯ+ mg aQK*xeTpeP1ų%n힝Gfb)_i1Kb-5'X ]yTͷO$~[gI7sf8bT`WZ3Z4{xl-unӧ\(d9}⿆c [-kӛ[uITlS2W_/-mOd1s3$R% ۴WwQKͤ,~閳VWk' #p6IF~Č_Oˤ d+wi卾qpogc479s1xad /*{{c!Ø+Z#*#Qkǻ$&_Z3_~$p>*X/Տ79S3|j{/"0SNmu mp<2HJWzxE te5{fS.x(%pxoGýog[GDu #t0YE`Dq|~LIZ=^W6d<],S^}m}?)| ]ᯈ|Auk9Kqm(VpA~#^|tK¿6F܎,k+Eâ/x[o_hڄ֒c bb| xש~:_?ho +=R6V K<7(*<)ץ+J:yܕ9?~xMҒj: >(WHO 8fcM|?{-4M4/ȁ@=ѓ By1Go_hC௅6*_]\ѡ\s Mxr?_ |ηz_[I”I([gࠟ~Oqduj_WxMshmηI``:9#ô_/z/j6 pѫAhbd?/*v'|skZG<)pZΡt6l i.pC$Ugb1l eK)RV۔#|N4犎 UKmmoc| h^rxڷ՛og2ƞ핉᳅$c# V:]oL[(ê20}ۋ? |9𿂵 ?<1Υ2NU N >%/ÿ>\Z&\`O͍5EBN†MGfQx87{]?U~>{xGҵ{5-631E=ASooLd}rc>3AiW)楬2L|𓀯Q"7Oԝ\>kdN-㻶AHC#@# y'w gkK#XYh@2^~V^,njd2E|=ogM]IǸ&~|OiW~*SzR\gn^= uI$WW5c&DɬIQ(szgRT]T?bibBW'];mE/ !)@qAbur26ȈG_ > A{,u9Mْ@-837k>!}_xv9! ɤ\y?u~EPc;5xƾ#~ zf8w'&Gfٜ5BU~4ѡZtoFz~eAs|i<1kJF^) NqΦI&lJ݁|9]ڤW㟀|H6ck@QlRHn=[+b6/]CR.kΤǟ8|G B_s폗?fмSDj7u.l4ࠚ\Qc>@/~"nXu},>u-9}ܐI4~-/^$6WNW @~%Y=s‘? ~|\Ԡ{_+A׮t{l9ka²1c91o/,9UWr|gJ_6y` M_~WOs(#n_~UySۅ}ߕ~^T==|6~Ew_=ol|8_ /*{{c?'-DMB#)%gocó]!g09*F}6գ*AOXi[ۖSp dp %8`B%{~YSc: -_m:o^4t^jZ[ZZI'bd:GQ_}9c|!pZi- BOۂWr*sey#o:jzLj5IOIZ \lgU㑷o~uF-*)%Kh2LV0&G,$|cxTt~wK[)T^=.iωsgFծ#iԵ]vu"KsuMy∑@P#y=yeiZrh~Ӊ[M>#̕7Ɂ@UUR+OAvX[vxbMAf5;yH^Fg DG&/ȿs폗/j]4?W/|G,}wKP5.޺=|6"ϻʞ緶>_f7FgĿ_o4L5-He cjI>|?fxB?{</V >^ ῄmE}[Z$(qH h"*iR>S*?>⯊?ߌ=|_7UnLF@@$`!UT/8 '$&.E~$Oi Z@4FL/(9Kcnߗ%p<,t+KKKiE (Kc6@uo{AOhLjQb 4F6N !I|ONG^Klj]OcCյyⰳS8an9h0Aҿ? _W55 F #|Jq=ˡ9ʪ>_eHV6i/[t+;b14U+|NPwn0J퐧24m'^_t>VR=7u_g6qP;lb$vѪ J>P8˜#n_~UySۅ}ߕ~^T==|6~Ew_=ol|FybRԛno_Vg,k&{apa;F@`ヷ ~$~ڞ,l`|G,P$ics̏ka#_ Bkegj H(Z8GB8 otI/$▞-|_kI;a" p@ Ng R J1K>,>II_ < |g{1u[؁G[LwKs x!v`l8-- ($h +Y wږMzGV8(FcR@'ibb+vg׳Ϳi/|yʚHI]JF_A@+~Y(.u#mbD{ca#S cEB&x-xb 3pyWVLJ]Q":fJ[7N~66\)nkv+Od 2` M_~WOs/yiס%X,.8Ps?9ml丸&Ve$RJs/74Dׅ}"0,,P Qq+jjT?/'xuĿ'h(tIqqvv8 &&_Iok:ۼnwݴ|Ool|gτ %0%bebV'C=>ʿ/*{X55I|? []/=kV-߈8|;pڎ4ql@vPVʍ*x<>w5;)Q;?X?<21!&I7iO?/=1_߳5~|uɡ/WEhv&P vb Ї-qNzcWohCxSkcg=1[ⰴpQg}Sm޿ש,)5߅>5tM<iHcTFߞo-g+#RW tQipx|3'ؗXeƕ/,12 #r>WT=u #Լ.-bG[eM,6YfYv|wS߁u0ߺ_ca/[Ɨ}?ú֞[; kֶz!Ah扙GC5qbwk[^}> ?r[NWnMl~Fv>Lżáiv~r7G\D3*Gz?oڟqxa)iA (+"L~~~;㙠۲6NWC NW Gψgէh19_`.kS}_/◞|Èsu~^5dp|Jch` M_~WOs(#n_~UySʌ21Uxqi_ӟ4xvocZ6HQc[9O̿8_n}Uel3|я:)O& x{)lP!>ALcYg7{˕zG`e`(z6~}ϩ bHiz݌Mxb7*̤$ 7c~_>0S[ʿ/*{~ .)ݾ;719#IlZvָ#n_~UySۅ}ߕ~^T==|6~Ew_=ol|` M_~WOs/cG_ VG;[[eM 6q *{ǽg>m%M;w˼h+񤊡I r 2< [>-ҡ_*)VKInev#x:e{%71|S{kShQǙw;M&ܨۅ}ߕ~^T=xotZs}cokה]ZUxYQ UY lPۆ c/zۛ|9it(RI]G}[ ~!rF+'=|6~Ew_=ol|9 H.m ImdJ. `v՛e0̠_-H2]?>5ĵr*\eןug|x|amau_szVE燉cC+__n~z~=Yq3&}$I{IF30~dOhCxSkcg=1DpDǵ|=1ӞU ^-^J%}Q_ =QY|Sᘵ{"OA%U$@dLTϖpG EFO F'pey ~|~2W=_+ 7ʌN :+wWgm_AԞ sjѰ ۍT0 @p"ϻʞ緶>Zzzd֖ulB|}rW'cQ` M_~WOs.4> "' OYW)ڭ;vWLDTܙNSIW0/ҿ^¯XFcnf1-a"c yB@NWr6Oc3xSlQ:~mCO__OGMO4<AZIIfןio%tqG&/ȿs폗%d?b tdE@p"ϻʞ緶>_o͇U)}QB|?#n_~UySۅ}ߕ~^T==|6~Ew_=ol|` M_~WOs/ڴ~Q_G&/ȿs폔 /*{{c{m>ʿ/*{A>@p"ϻʞ緶>Q ;ǚ*-%_%GjUi_9H+֟K_/fvHg[̢m sӍq{> |c#o*ZNr966`iESī erz 1V% W%n_{=W  _W-49&94.կo*dRP=6 H_H1@,?9աMuitͯj]Y-8=oL}P` M_~WOs-oG#?eeS\dxaJя8+im%| ~Eϻʞ緶>_|/m~g'b+:B__N3|0|%K–O%q)2~ze~>ש既~ O+߫,(O|) &>'o/6=IHj}~*nHӎb+G FuSo+_J@p"ϻʞ緶>U `B_s폖9;XZYv+>02xl|t*T8թ*eRZ6oG&/ȿs폔 /*{{c?z'{Z!&S,Dp8RL n*3:`Уa v* kWOs/6Ʃ<<]zO]5k>#n_~UyS>xKX]_^h7cyr`m!pG8` /*{{c{m>ʿ/*{z҅XTi<>&TO~Ch|+gEXo,턏'B[G] IB0FD}B<~Кϊ~kEmV dp&~qT1>@p"ϻʞ緶>]}7Z-Ν]v-+ q 3*)B pWqn/cG]7N[x+}S <ɻs-lV[Ch>/?m*gX\(oPF1vHv?g6n6{zsu⟃?nO-2Ǻʿ/*{zF~x!JsVIo?/^>B.ςK[ַF[Oe&v)HO 9=e?EƧ<%^Ue3O"~7st)_ְW'1~_[0|c9w;|PMncgyu] Ѥ~=x_P, kJO6vu$rO6n6{cuSb_?bO8i,bōŴX m8e~_ /*{{cC\߰?uBtwZ0r|#n_~UySSfr?ʿ/*{mi:dgexic@Y=Ool|vTb%O|# Wඅ+ /R4Hlybҿ0c]|SQ{7E+in?WON WN K T~`+xwԤԦ@N8s3rS  Eޓho#`8^\H!{lM,Z)F2虁m=t-R@DD_XݯQwHI< |Ѥ7M6Muqyi~Q$w.]^sq4$Y$/2 {{c[#?|4n ܜ E o cޤ#?EJYi_gKOMBAoĊQ*WkwwgI+ ) +?ۓĒi_ $s>|ccpL^FW?wNEQEXomK$F H|Oxt7ܴl|gbVi+E|޿ϙD{m>ʿ/*{}{_?ɪVȾ󆺑].'-}[o4x}cV3e*񹶨rrn?g?]Zծ{X1 ̳W [ܟg.»TcY%{Wv.ߦ{Skg{K|U`T 3z.Þ/]Xyv a1#c\0oNGGkjFd*G+FFz lھ+HvJCs< I&rIc/X̫Faݵqƒnr{z6\ /*{{c{m>ʿ/*{A>@p"ϻʞ緶>PG&/ȿs폗=|6~Ew_=ol|Z f ae*b ޜr{c>X{m>ʿ/*{A>@p"ϻʞ緶>Qvw_yhG?lf ޻HN.lG7adG?U %%Sk$0E$BxNJ~~~]~8^xk\[2!56=&`ѭ$1xz5MJLn<G meqNT3 m\|m6]X%T]⟣kUgC!<)p1|ӞUҿ'2 |ab{ȏ1ء76LrX ch%?yw'C!<)p1|ӞUԯ{AEs&0<am6lr!>AzcWo0$FXyoNM~?ȥV5Ƭ6j+dyxvWd[[@0UAyoɐ8 lۅIbx@"HR={cZ|\OhKm7ŶThw4_13/np?l}?߅w? -xrg MFIkItFFq`t_S%.?~~U]*jXJ_W8>@p"ϻʞ緶>PG&/ȿs폖3\Sm#[>OL|${Y9!0K6`xc>_RkM_{m>ʿ/*{wy6_ZЪ(gz2"=|6~Ew_=ol|!j_ }b)9EU،ja}A9{%Ɇ{} V37j7_u7  >.#Rԣc oleTa Z|-<oUTY3$ni\}}+2*ݧY=]͂p ǯxxd%TR\-C;N3md11?º',"XȋF2Fr1+>Ki64V>R2)1 |3$[5ĸ؊՗7{1+;>ʿ/*{~8xECeem!2?sa>@p"ϻʞ緶>_ad| QE;v"`/8 ߟ_x-_GᾳS Z(頢(˟+?2|(^$pơAX9</W|Fn,,, U$ {zfiyd8~^A{{c;plCWW#1j17rkEC/k&K}&xTg}o 9  =j7.nQ{jowss.w tی~~ʟK7|Q'Zԏ71i0A\y '69#c1ۃ8|^uXڔKkgJy01 *(7ɺ:`sqzԛK#"}:%h%k+KgkS_-); x-ht5A-H{m'ů7?>#>i}xşh/T#7 )]hciep66cE9YR z~| >~־'Ʊmxmn:O' M GI?4N<ɭo{qGO<vw_q>@p"ϻʞ緶>PG&/ȿs폗ܾ"~_,o;Ղahu(#Ew?x/O%9΋pȊ1(q受0ҫz7g3n).\׷$G&/ȿs폔 /*{{c廧o^$=?¾ yiiܾ3O$i?c^7Mzh|yK揍 j ǐ!8~Zf $\^ slt!BQ]R]~1 i[Lԭ5Ric>]Aʊ6ۍe#ǂW?-~%l֗$7ZgKGI8f}cD8# h.>g]%jUI+89l B~g?q/,q)p'(x0y]zrcyHhڷkJb0s98_[o+?N/]G_ KIC{_,+0W Df=0uqqx_/½+[myo|"/{Hb 2mYTm`6mC7t׵/1:Tp U"yjpBb_ j^u/?* vRTHH8?{al د8YoO9u%{w8y8liQ(GEFI0g.=>ʿ/*{~OOsEG9MQlN>m*RG9!Ī)c6{W-ͪi ㏞k6DV݂d<((ԧ{GWfc$b[ZmWSϡI{]Ff(B$cۂso?w3Nou u?id۾O'_f6 }'RՎω^Դk>KY`ɏ:~SFg~ٞ(5I|5sx{N6^E2@H3c?)Fw4~f2t I=$moggpRtMsA|7ڶWO,.et*lmuN~V/kzbI Z#sۖQs-`2 <R-!<dд>&@ڬͶe9u* ᔅm|K/? Hg[7C5YSEXUB@v*U0N5i˷yi{w?ͺ>SÿxȹԮ4BuKpJX,16V֯Iq; ʖ`H\(={c%/pL,Mw~hxl~ƲmrbHxQ٥ xAjEwxˆ8{{YNc+bf9F/]s~:h<78Ú>@p"ϻʞ緶>^gՌƗZ|1hjSjNi Mr1KO5q E62UHv2I+`@p"gWOs/o 9b?16vcA_2@p"ϻʞ緶>VKi<d/TmN9=/s*>ʮj/QY##)GN[?B]𝌞%11 k=xTU?x%?k`>=1_?i 6(Obbh-hpTc3'~W 6f>Mݢʘ9Ȑ1n`~g玿zo!󈧇RW˯S/so൬v~TJ:e6胐$Opsgq? 5o xgQ)$?h~nIt4Ey:o-!-L&0q7_la y ㎞ C| (oTol~sb)GF=P|@!nKq0e3PqNH??sX~%k v"]3ISk Nx8P89`t&7+OhPrLDD?<>LcI+@dM$m FwDQ>`{|޽o^(ԡ|'wo[ H40[?#zņUcrFx`0_|N~*do/은{(h94SrH+. Q閘rmV=xG~OVeڏ(%ndD=Bav/S)ȟ[_ÚiBwlg`zcWow_H"_hoA*3 Ӏy`Omω!M&hta"0q!X}BvZgTj6}ya ,6cܱķ2\2Uy_o19 Jَ#JQxhJ*Zݗ'>~7L[[{i串B>&PI 8$$l$l|9kAu>inndM?P͎!aRM?( /?9"wb5&KKu %dh%>&4l<% e]kZ.DoH`ZĬq`"!N4dbj5ODgq~S`eĹ'J/n=ݑ'qხ|o. +iV]80 E v789/|{l+x[xvXByN~X_xI~~oz_ (0(F|Mij;)FJyaU|q=|6~Ew_=ol|_/'ͤywǰgKF@b,G㏺?!_sXl4(F+?5lf&"U&w#n_~UySۅ}ߕ~^T=]/9>L]긳m?>Ñ4خ88zWdx++gW~/_` M_~WOs+^+pBd'Wxl|XKF@b,G㏺?!Dh4 1v+1|8K75STЦ>ˌ̖yaC u'lhb*AXUt2[1 OL /9>L]긳m?>Ñ4خ88zW^3N(Sp떖6Iz ޣ}hO.O"2Lv{`F^d7=O3G"VG ۂLcѷ|hbWUŜchqG=(f.u\Y6t~Cҝ:3rQitKUgW&]/Eb{_~WOs(#n_~UySth4 1v+1|8KF@b,G㏺?!]/@p"ϻʞ緶>PG&/ȿs폗|hbWUŜchqG=(f.u\Y6t~C҉fW6W^?EuO .K62FHU*Wb\֑Ƶ H-5΅moΑ,-vh4 1v+1|8KF@b,G㏺?!\jSO?# Q|>eQqWMB"@_.{`t 6t@0(o9?>f.u\Y6t~C҉|hbWUŜchqG=+X_wzz՞5_m;WЙ[I𯅴wB1%H<,遵׋u&^]bVhFn@ /Ñ4خ88zQ/9>L]긳m?>nZ-QI~~GfXj%^igoo7p6u%0 [w:=Bh\B8~ a* -'$}_r4}qg>~}J%?#G٠i]Wqqq v[Ҿyxzy(I.m}ei/rBդ idXtU, ]nK}v[bƥn rÑ4خ88zQ/9>L]긳m?>sJ9dol2VWNokjE{]5iW5w0!דs6F)\|!a $%9Wcr1ѷ|hbWUŜchqG=(f.u\Y6t~CҺ# 这<-JI!/uoBl62]>?]3zd7R^I2'F$mW*:q7/9>L]긳m?>Ñ4خ88zU^M+Mrbchʆ# nw_Çt%MBio[b k=amx7D+(V8`@`[08ړYX,:1KM_QEpQEtDText1tDText2tDText3tDText4$$If!vh5h5 55@ 5 #vh#v #v#v@ #v :V l4s),5h5 55@ 5 / / / / / /  / / 4f4tDText5tDText6$$If!vh5h55`#vh#v#v`:V ls),5h55`/ /  / / / 4tDText7tDText8$$If!vh5h55`#vh#v#v`:V ls),5h55`/ /  / / / 4tDText9vDText10$$If!vh5h55`#vh#v#v`:V l),5h55`/ /  / / / 4vDText35jD$$If!vh5h55`#vh#v#v`:V l4a)5h55`/ /  / / /  4f4$$If!vh5h55`#vh#v#v`:V l4f),5h55`/ 4f4vDText12vDText13$$If!vh5h55`#vh#v#v`:V l4),5h55`/ / / /  / / 4f4vDText14vDText15$$If!vh5h55`#vh#v#v`:V l4),5h55`/ /  / / /  4f4$$If!vh55 $#v#v $:Vl t0)655 $$$If!vh55 $#v#v $:VlW t0)6,55 $$$If!vh55 $#v#v $:Vlq t0)6,55 $vDText14vDText14$$If!vh5h55 5#vh#v#v #v:Vl t6,5h55 5/ / / / / / / vDText18vDText18$$If!vh5h55\#vh#v#v\:V l0),5h55\/ / / /  /  / 4jD$$If!vh5h5,"#vh#v,":V l40)5h5,"/ / /  / 4f4vDText19vDText20 $$If!vh5h55\#vh#v#v\:V l460),5h55\/ / /  / / / 4f4vDText21vDText22$$If!vh5h55\#vh#v#v\:V l60),5h55\/ / /  / / /  4vDText23$$If!vh5u5 #vu#v :V l[0T),5u5 / /  / / 4jD$$If!vh5u5 #vu#v :V l 0T)5u5 / / /  / 4vDText25$$If!vh5u5 #vu#v :V l40T),5u5 / / / / 4f4$$If!vh5T)#vT):V l4-0T)5T)/ 4f4vDText26$$If!vh5%5/#v%#v/:V l40T),5%5// / / 4f4vDText27$$If!vh5u5 #vu#v :V lT)6,5u5 /  / / 4vDText29$$If!vh5u5 #vu#v :V l)T)65u5 / /  / 4vDText28$$If!vh5u5 #vu#v :V lT)6,5u5 / / / 4jD$$If!vh5u5 #vu#v :V l065u5 / / / 4$$If!vh55#5\#v#v##v\:V l6,55#5\/ 4vDText30vDText30vDText30$$If!vh5555b#v#v#v#vb:V l46+,5555b/ / /  / /  / / / 4f4$$If!vh5555b#v#v#v#vb:V l4\6+,5555b/ 4f4jDvDText30vDText30 $$If!vh555#5\#v#v#v##v\:V l46,555#5\/ / /  / /  / / / 4f4$$If!vh555#5\#v#v#v##v\:V l6,,555#5\/ 4vDText30vDText30vDText30 $$If!vh555#5\#v#v#v##v\:V l46,555#5\/ / /  / /  / / / 4f4tDeCheck1tDeCheck2~$$If!vh55x #v#vx :V l4a)6,55x / 4f4tDeCheck3tDeCheck4~$$If!vh55x #v#vx :V l4a)6,55x / 4f4vDRText31$$If!vh5T)#vT):V l0T)65T)4vD` Text32$$If!vh5T)#vT):V l0T)65T)/ 4DyK yK nhttp://www.financial-ombudsman.org.uk/faq/mortgage.htm$$If!vh5T)#vT):V lc0T)65T)/ / 4vDText33$$If!vh5T)#vT):V le0T)65T)/ / 4tDeCheck5tDeCheck6$$If!vh55 #v#v :V l40*655 / 4f4vDText34$$If!vh5X)#vX):V l0X)65X)4$IfK$L$l!vh55 $5#v#v $#v:Vl t06,554$5}$$If!vh5Y)#vY):V l065 *4$IfK$L$l!vh5x#vx:Vl  t 0x65x` p $$If!vh5P5 #vP#v :Vl t065j5/ / / / DyK www.ombudsman.my.contact.bgyK Hhttp://www.ombudsman.my.contact.bg/$$Ifl!vh5#v:V l4W06,5/ 4alf4H@H Normal CJOJQJ_HaJmH sH tH B@B Heading 1 $<@& 5CJ\>@> Heading 2$@& 5CJ \>@> Heading 3$@& 5CJ\>@> Heading 4$@& 6CJ]H@H Heading 5$@&5B*CJ\phJ@J Heading 6$$@&a$5B*\phDA@D Default Paragraph FontVi@V  Table Normal :V 44 la (k@(No List >B@> Body Text6B*]ph6P@6 Body Text 2CJ4@4 Header  !4 @"4 Footer  !6Q@26 Body Text 3CJZC@BZ Body Text Indent$^a$CJOJQJaJ.)@Q. Page Number6U@a6 Hyperlink >*B*phFV@qF FollowedHyperlink >*B* phj@j  Table Grid7:V044*+h4<q. %&4H\]h|  !"#$3Gbcn()/2 567k$&7KLMo        + , - . n o ' ; O P d e f j k q r w x * > R f g h Q ~   !"#$%&'()*+h^_stuij]^Atu9XYZ[\r 5ghij;>moprsuvxyz{|012 !,-./0125H0H000000H0000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 @000 0 0 0 0 0 0 0 0 00 0 0 0 0 008000 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0(000 0 0 00 0 0 0 0 0 0 0 0 0 0 (0(0(00 0  0  0  0 0  0  0  0  0  0  0 0 0 0 0  0 0  0  0 0  0  0  0  0  0  0 0  0  0  0  0  0 0  0 0  0  0  0  0  0  0  0  0  0  0  0  0  0  0  0  0  0 0  0  0  0  0  0  0 0  0  00 0 0 0 0 0 0 0 @0 @0 @0 @0 @0 0 @0  @0  @0 @0 0 0 `0h0h 0h 0h 0h (0h(0h0u 0u 0u 0u 0u0u0u 0u0u0u 0u 0u0u(0h0000 00 0 0 0 0 0 0 000000000 0 0h0Z0Z! 0Z! 0Z! 0Z 0Z 0Z 0Z0Z0Z 0Z 0Z0Z0Z0h0h(0;@0I00@0I00@0I00@0I00@0@0I00h00000000 0 000000() 56KLMo()*+h 5gh|025{00#T R{00  s00 {00 {00 s00 {00Bs00 {00 s0 0 PRs00 y0 0 {00{00p!{00{00{00{00{00 {00Ry00 y00y00 y00 y00 {00 {00 ky00 y00 {00 {0 0{0 0{0 0@0{00{00{00@0K00( I00K0h||X   L   BV "چ !$&).27;?AORVX  R*J H &H|Y ",Ԇ؏B "#%'(*+,-/01345689:<=>@LMNPQSTUWY #4@FHTZhtz|  3?ENZ`nz !-3kw}7CIp|     # ) ' 3 9 ; G M P \ b * 6 < > J P R ^ d U e l | >U_kq4FFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFG G G G FFXFG G F1X  DB/X2$keJi/w 4lb$ $b< і 0e0e     @ 5% 8c8c     ?1 d0u0@Ty2 NP'p<'pA)BCD|E||S"@D  A0 (    < ?" B   B DjJ?"  <pGpGpGpG"`   <pGpGpGpG"`   v W?`N OWebdings"  r W?`8Wingdings"b  c 2AFOSKS2  < ?" B S  ?H0(  4E vt-(tEvtY(tEt tvt &)t(Text1Text2Text3Text4Text5Text6Text7Text8Text9Text10Text35Text12Text13Text14Text15 OLE_LINK1 OLE_LINK2Text18Text19Text20Text21Text22Text23Text25Text26Text27Text29Text28Text30Check1Check2Check3Check4Text31Text32 _Hlt75674662Text33Check5Check6Text345Ii}4Oo8  ( V m ?`5  !"#@$%&' $G[{ Fa J  * : f } @r57ԍLVH5;@VV5:?E\\5V*urn:schemas-microsoft-com:office:smarttagsplacehttp://www.5iantlavalamp.com/=*urn:schemas-microsoft-com:office:smarttags PlaceName=*urn:schemas-microsoft-com:office:smarttags PlaceType8*urn:schemas-microsoft-com:office:smarttagsCity>*urn:schemas-microsoft-com:office:smarttags PersonName ^vuwx{||}n444NQ  U f l } ??WWXXYY_rsuvyz}##-78:[gklmmoopprsuvxy{|"._125hljo\gmmoopprsuvxy{|1533333333uwx{||} %&4]h$3Gn444NQ 7&7Vo    f x Q U f l }  ??WWXXYY_r\psuvyz}##-78:[gklmmoopprsuvxy{|"._!-15mmoopprsuvxy{|15" JsVPk}9nda <-L ["t&Xtuʟz/2o=x!)U"@ $:$H}p&^ 94( (Y(sV&eD7$S@zIFiC?n@pD 2fGؙB H8fLyIX, l6NK &L, TC"\D,?%S_0|>awXe@ $gBno=Xp>"_q8fLN|vPxh ^`OJQJo(h ^`OJQJo(oh pp^p`OJQJo(h @ @ ^@ `OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh PP^P`OJQJo(h ^`OJQJo(h ^`OJQJo(oh pp^p`OJQJo(h @ @ ^@ `OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh PP^P`OJQJo( ^`OJQJo( ^`OJQJo(o pp^p`OJQJo( @ @ ^@ `OJQJo( ^`OJQJo(o ^`OJQJo( ^`OJQJo( ^`OJQJo(o PP^P`OJQJo(h ^`OJQJo(h ^`OJQJo(oh pp^p`OJQJo(h @ @ ^@ `OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh PP^P`OJQJo( 8^`OJQJo( ^`OJQJo(o pp^p`OJQJo( @ @ ^@ `OJQJo( ^`OJQJo(o ^`OJQJo( ^`OJQJo( ^`OJQJo(o PP^P`OJQJo(h^`OJQJo(hHh ^`OJQJo(oh pp^p`OJQJo(h @ @ ^@ `OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh PP^P`OJQJo(hhh^h`CJOJQJo(h 88^8`OJQJo(oh ^`OJQJo(h   ^ `OJQJo(h   ^ `OJQJo(oh xx^x`OJQJo(h HH^H`OJQJo(h ^`OJQJo(oh ^`OJQJo(h hh^h`OJQJo(h 88^8`OJQJo(oh ^`OJQJo(h   ^ `OJQJo(h   ^ `OJQJo(oh xx^x`OJQJo(h HH^H`OJQJo(h ^`OJQJo(oh ^`OJQJo(8^`CJOJQJo(8 ^`OJQJo(o8 pp^p`OJQJo(8 @ @ ^@ `OJQJo(8 ^`OJQJo(o8 ^`OJQJo(8 ^`OJQJo(8 ^`OJQJo(o8 PP^P`OJQJo( ^`OJQJo( ^`OJQJo(o pp^p`OJQJo( @ @ ^@ `OJQJo( ^`OJQJo(o ^`OJQJo( ^`OJQJo( ^`OJQJo(o PP^P`OJQJo(hh^h`OJQJo(hH88^8`OJQJ^Jo(hHo^`OJQJo(hH  ^ `OJQJo(hH  ^ `OJQJ^Jo(hHoxx^x`OJQJo(hHHH^H`OJQJo(hH^`OJQJ^Jo(hHo^`OJQJo(hHh ^`OJQJo(h ^`OJQJo(oh pp^p`OJQJo(h @ @ ^@ `OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh PP^P`OJQJo(h ^`OJQJo(h ^`OJQJo(oh pp^p`OJQJo(h @ @ ^@ `OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh PP^P`OJQJo(h ^`OJQJo(h ^`OJQJo(oh pp^p`OJQJo(h @ @ ^@ `OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh PP^P`OJQJo(h 88^8`OJQJo(h ^`OJQJo(oh   ^ `OJQJo(h   ^ `OJQJo(h xx^x`OJQJo(oh HH^H`OJQJo(h ^`OJQJo(h ^`OJQJo(oh ^`OJQJo(h 88^8`OJQJo(h ^`OJQJo(oh   ^ `OJQJo(h   ^ `OJQJo(h xx^x`OJQJo(oh HH^H`OJQJo(h ^`OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh pp^p`OJQJo(h @ @ ^@ `OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh PP^P`OJQJo(h ^`OJQJo(h ^`OJQJo(oh pp^p`OJQJo(h @ @ ^@ `OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh PP^P`OJQJo(h ^`OJQJo(h ^`OJQJo(oh pp^p`OJQJo(h @ @ ^@ `OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh PP^P`OJQJo(h^`.h^`.hpLp^p`L.h@ @ ^@ `.h^`.hL^`L.h^`.h^`.hPLP^P`L.808^8`056CJOJPJQJ^Jo( ^`OJQJo(o pp^p`OJQJo( @ @ ^@ `OJQJo( ^`OJQJo(o ^`OJQJo( ^`OJQJo( ^`OJQJo(o PP^P`OJQJo(h ^`OJQJo(h ^`OJQJo(oh pp^p`OJQJo(h @ @ ^@ `OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh PP^P`OJQJo(h ^`OJQJo(h ^`OJQJo(oh pp^p`OJQJo(h @ @ ^@ `OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh PP^P`OJQJo(8^`CJOJQJo(8 ^`OJQJo(o8 ^`OJQJo(8 h h ^h `OJQJo(8 8 8 ^8 `OJQJo(o8 ^`OJQJo(8 ^`OJQJo(8 ^`OJQJo(o8 xx^x`OJQJo(h ^`OJQJo(h ^`OJQJo(oh pp^p`OJQJo(h @ @ ^@ `OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh PP^P`OJQJo(h ^`OJQJo(h ^`OJQJo(oh pp^p`OJQJo(h @ @ ^@ `OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh PP^P`OJQJo(h 88^8`OJQJo(h ^`OJQJo(oh   ^ `OJQJo(h   ^ `OJQJo(h xx^x`OJQJo(oh HH^H`OJQJo(h ^`OJQJo(h ^`OJQJo(oh ^`OJQJo(h hh^h`OJQJo(h 88^8`OJQJo(oh ^`OJQJo(h   ^ `OJQJo(h   ^ `OJQJo(oh xx^x`OJQJo(h HH^H`OJQJo(h ^`OJQJo(oh ^`OJQJo(8^`CJOJQJo(8 ^`OJQJo(o8 pp^p`OJQJo(8 @ @ ^@ `OJQJo(8 ^`OJQJo(o8 ^`OJQJo(8 ^`OJQJo(8 ^`OJQJo(o8 PP^P`OJQJo(h ^`OJQJo(h ^`OJQJo(oh pp^p`OJQJo(h @ @ ^@ `OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh PP^P`OJQJo(h ^`OJQJo(h ^`OJQJo(oh pp^p`OJQJo(h @ @ ^@ `OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh PP^P`OJQJo(h ^`OJQJo(h ^`OJQJo(oh pp^p`OJQJo(h @ @ ^@ `OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh PP^P`OJQJo(h ^`OJQJo(h ^`OJQJo(oh pp^p`OJQJo(h @ @ ^@ `OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh PP^P`OJQJo(h ^`OJQJo(h ^`OJQJo(oh pp^p`OJQJo(h @ @ ^@ `OJQJo(h ^`OJQJo(oh ^`OJQJo(h ^`OJQJo(h ^`OJQJo(oh PP^P`OJQJo("Pk"\=x!g|>aU"e3iTY( <-=Xp[" J4(TBn2p&Xtu""                                    F                 `                 V?                 LTb                                                                                         Ni                          2f                                            2f                                                      @ @DC%^t|oaGLfXb (1?/?7c! $M*i"*j,..N .6.@:[;.=$XD/eHyIWV/[\]a ta99nRrpnwnXb&[jbA*gN?pK-(&O !2   l~:gm}8_2.f@'B!/ %&4H\]h|  !"#$3Gbcn()/ 56k&7KLo      + , o ' ; P d e f j q w x * > R f g h Q ~  ()^_stYZ\r gh|!,-5@ l4P@P P P@PPPPPPP<@P PD@PUnknownGz Times New Roman5Symbol3& z Arial;Wingdings?5 z Courier New"1hZh|FLF 8 , ,`E!14daa 2QHP?WV"*Complaint FormvectusStilina"                           ! Oh+'0  8 D P \hpxComplaint FormvectusNormalStilina9Microsoft Office Word@P@lf@@Ht՜.+,D՜.+,< hp|  FOS, a Complaint Form Titlel 8@ _PID_HLINKSA$ 6$7http://www.financial-ombudsman.org.uk/faq/mortgage.htm+w3$http://www.ombudsman.my.contact.bg/+  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstvwxyz{|}~     !"#$%&')*+,-./4Root Entry Fܮt6Data uҚ1Table>WordDocumentnSummaryInformation( DocumentSummaryInformation8(CompObjq  FMicrosoft Office Word Document MSWordDocWord.Document.89q