Enumerate the types of complaints which may be referred to Banking Ombudsman?

There are various complaints which are referred to the Banking Ombudsman are: Any person may file a complaint with Banking Ombudsman having jurisdiction on anyone of the following grounds alleging: Deficiency in banking including internet banking or other services. Non-Payment or inordinate delay in the payment or collection of cheques, drafts, bills etc. Non-acceptance, without sufficient cause of small denomination notes tendered for any purpose and for charging commission in respect thereof. Failure to honour guarantee/letter of credit by banks. Complaints from exports in India. Concerning loans and advances in so far as they relate to non-observance of Reserve Bank Directives. New grounds of complaints with effect from January 2006 relating to credit cards failure in providing the promised facilities and levying excessive charges without prior notice. New grounds of complaints include deficiency arising out of internet banking etc.