A Savings and/or Credit Complaint

must relate to instances where a financial services provider:must relate to instances where a financial services provider:

(a) breached any applicable laws, regulations, by-laws or duties imposed therein;

(b) failed to give effect to a right provided to the consumer by laws, regulations, by-laws in respect to the subject matter of the complaint;

(c) failed to adhere to any applicable code of practice or code of conduct provided for by financial services laws and other legislation applicable in industry;

(d) failed to meet the standards of good practice required by financial services laws and instruments thereof; or

(e) treated the complainant unfairly or acted in an unconscionable manner towards the complainant.