Form of Appeal

The procedure for submitting and processing appeals to “TAYANCH MIKROMOLIYA BANKI” JSC is carried out in accordance with the Law of the Republic of Uzbekistan “On Appeals of Individuals and Legal Entities.”

Appeals may be submitted orally or in writing. Oral and written appeals have equal legal significance. Appeals may be individual or collective.

Types of Appeals

Application — an appeal requesting assistance in exercising rights, freedoms, and legitimate interests.

Proposal — an appeal containing recommendations for improving state and public activities.

Complaint — an appeal demanding restoration of violated rights, freedoms, and legitimate interests.

Requirements for Appeals

Appeals must indicate the surname, name, patronymic (if any), place of residence of the applicant, and the essence of the application, proposal, or complaint.

Written appeals must be signed by the applicant. If it is not possible for the applicant to sign personally, the appeal must be signed by the person who prepared it, additionally indicating their surname, name, and patronymic.

Written appeals that do not indicate the surname, name, patronymic, place of residence, contain false information, or are not signed shall be considered anonymous and will not be reviewed.

Consumer Rights Protection

Consumer protection, in a broader sense, refers to the laws and regulations that ensure fair interaction between service providers and consumers.

A consumer protection system generally includes ensuring transparency and access to information about goods and services, promoting market competition, preventing fraud, improving consumers’ financial literacy, and preventing unfair business practices.

What should a consumer do if their rights are violated?

First of all, if your rights have been violated, you should immediately contact the bank’s management, either verbally or in writing.

If the consumer’s rights are not restored, they have the right to apply to the competent government authorities, local self-government bodies, or directly to a court responsible for enforcing consumer protection legislation.

In addition, the consumer may apply to the Appeals Department of the Central Bank, which handles appeals from individuals and legal entities, requesting the restoration of their rights.