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Mr. Bercow
To ask the Chancellor of the Exchequer if he will make a statement on the powers of the (a) banking and (b) building society ombudsmen. [15954]
Mrs. Liddell
Both ombudsmen investigate and adjudicate upon customer complaints within their terms of reference, and make awards where the complaint is upheld. The terms of reference of both schemes exclude purely commercial decisions, unless there is an allegation of maladministration.