From The Desk of Fernando Guzmán Cavero March 11, 2014 : THE BANKING FRAUD IN PERU SUPPORTED BY BUREAUCRATIC PROCEDURES
Make your own conclusions in the communications I had with the Financial Defender, which is the branch of the Peruvian Banking Association ( ASBANC).
I have been one of their victims , but beyond this particular case that I am going through. my intention is to warn, everyone of the lack of real and decent protection in Peru's financial system today.
Consequently, and as time allows me to work on, I will open a blog where victims of any financial fraud will have a free space to expose their cases. This will be written in Spanish as its base language, but with inclusion to others idioms.
Translated from Spanish. The original version will appear at the end.
From: FGCNews@fgcfinancialservices.com [mailto:FGCNews@fgcfinancialservices.com ]
Sent: Sunday, March 09 2014 12:19 p.m.
Subject: Payments made and not registered.
I am surprised the deadlines to resolve claims. It is apparent that there are accounting operations of the banking and financial business that should be resolved in real time and there will be no place to procrastination.
My case is that I come to summarizein the next lines below:
On 5 March 2014, I approached the bank of credit to make a payment on my credit card issued by Banco Ripley.( Please review in file attached to the present). Have passed 96 hours of payment made to Banco Ripley and this transaction was not accredited in my my account yet; however I sent via e-mail the scanned copies of payments made.
If I have to wait 30 days to respond to a payment made and whose voucher, receipt, or any other name you may call it in your jargon, the point is that the vouchers in my possession are an irrefutable proof of payments, and would not only be an abuse of the rights of the client; but a premeditated devious and deceit fraud.
Fernando Guzman Cavero
Telephone: (511) 711-0282
Cel : (511) 982-357682
Fax: (511) 718-3809
Address: Ricardo Smut and good 458
Dear Mr Guzman:
I am writing to say hello and tell you it has been reported with the Office of the Customer Financial Defensor and at the same time respond to your communication dated 03.09.2014 , through which you bring to the attention of this Office your complaint against the Banco Ripley.
In this regard we must tell you that you must first submit your claim formally to the Bank. It is worth mentioning that the Bank has 30 days to resolve your claim, as of that date (has the answer or not) you can submit your claim to the Office of Financial Client, accompanied by the requirements that were requested and the copies that creates relevant.
The documentation must be delivered in a physical form to the office of the Ombudsman Customer financial, of not being able to do it personally, you can refer to another person or via courrier. You must enclose a copy of the DNI of the holder, form filled out and signed by the holder and copy of a letter of response from the Bank.
Our offices are located in Calle 41 No. 975, Urb. Corpac - San Isidro - Lima, from monday to friday from 09:00 to 18:00 hours.
It should be noted that the Customer Financial Defensor can only intervene in claims relating to the financial operations of the customers with their financial institutions, not being able to carry out efforts related to the policies of damages recoverable, punishment or reprimand.
Waiting For You have been treated
CLIENT FINANCIAL DEFENSOR