{"id":2352,"date":"2025-01-31T07:54:04","date_gmt":"2025-01-31T07:54:04","guid":{"rendered":"https:\/\/fmos.org.my\/?page_id=2352"},"modified":"2025-07-14T17:55:30","modified_gmt":"2025-07-14T09:55:30","slug":"how-to-file-a-dispute","status":"publish","type":"page","link":"https:\/\/www.fmos.org.my\/bm\/how-to-file-a-dispute\/","title":{"rendered":"Cara Memfailkan Pertikaian"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2352\" class=\"elementor elementor-2352\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f74844f e-flex e-con-boxed e-con e-parent\" data-id=\"6f74844f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5590ece0 e-flex e-con-boxed e-con e-child\" data-id=\"5590ece0\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b229784 elementor-icon-list--layout-inline elementor-align-left elementor-widget__width-inherit elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b229784\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Utama<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Penyelesaian Pertikaian<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Cara Memfailkan Pertikaian<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-834d959 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"834d959\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7a49f2c\" data-id=\"7a49f2c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-eac6905 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eac6905\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3b7242b\" data-id=\"3b7242b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9cf0040 elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"9cf0040\" data-element_type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg class=\\&quot;e-font-icon-svg e-fas-caret-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-background e--animation-fade\">\n\t\t\t\t<ul id=\"menu-1-9cf0040\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-921\"><a href=\"https:\/\/www.fmos.org.my\/bm\/who-can-file-a-dispute\/\" class=\"elementor-item\">Siapa Boleh Memfailkan Pertikaian<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2340\"><a href=\"https:\/\/www.fmos.org.my\/bm\/our-scope\/\" class=\"elementor-item\">Skop Kami<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2395\"><a href=\"https:\/\/www.fmos.org.my\/bm\/how-to-file-a-dispute\/\" class=\"elementor-item\">Cara Memfailkan Pertikaian<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-3635\"><a href=\"https:\/\/www.fmos.org.my\/bm\/dispute-resolution-process\/\" class=\"elementor-item\">Proses Penyelesaian Pertikaian<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2396\"><a href=\"https:\/\/www.fmos.org.my\/bm\/faq\/\" class=\"elementor-item\">Soalan Lazim<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open e-font-icon-svg e-eicon-menu-bar\" viewbox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 333H896C929 333 958 304 958 271S929 208 896 208H104C71 208 42 237 42 271S71 333 104 333ZM104 583H896C929 583 958 554 958 521S929 458 896 458H104C71 458 42 487 42 521S71 583 104 583ZM104 833H896C929 833 958 804 958 771S929 708 896 708H104C71 708 42 737 42 771S71 833 104 833Z\"><\/path><\/svg><svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close e-font-icon-svg e-eicon-close\" viewbox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M742 167L500 408 258 167C246 154 233 150 217 150 196 150 179 158 167 167 154 179 150 196 150 212 150 229 154 242 171 254L408 500 167 742C138 771 138 800 167 829 196 858 225 858 254 829L496 587 738 829C750 842 767 846 783 846 800 846 817 842 829 829 842 817 846 804 846 783 846 767 842 750 829 737L588 500 833 258C863 229 863 200 833 171 804 137 775 137 742 167Z\"><\/path><\/svg>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-9cf0040\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-921\"><a href=\"https:\/\/www.fmos.org.my\/bm\/who-can-file-a-dispute\/\" class=\"elementor-item\" tabindex=\"-1\">Siapa Boleh Memfailkan Pertikaian<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2340\"><a href=\"https:\/\/www.fmos.org.my\/bm\/our-scope\/\" class=\"elementor-item\" tabindex=\"-1\">Skop Kami<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2395\"><a href=\"https:\/\/www.fmos.org.my\/bm\/how-to-file-a-dispute\/\" class=\"elementor-item\" tabindex=\"-1\">Cara Memfailkan Pertikaian<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-3635\"><a href=\"https:\/\/www.fmos.org.my\/bm\/dispute-resolution-process\/\" class=\"elementor-item\" tabindex=\"-1\">Proses Penyelesaian Pertikaian<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2396\"><a href=\"https:\/\/www.fmos.org.my\/bm\/faq\/\" class=\"elementor-item\" tabindex=\"-1\">Soalan Lazim<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-34fab41\" data-id=\"34fab41\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cad054b e-con-full e-flex e-con e-child\" data-id=\"cad054b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49761e0 elementor-widget-tablet__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"49761e0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4><strong style=\"color: #1f1454;\">Bilakah Pertikaian Boleh Dikemukakan<\/strong><\/h4><p>Sebelum mengemukakan pertikaian kepada FMOS, pengadu perlu membuat aduan formal terhadap Ahli kami terlebih dahulu.<\/p><p>Jika anda tidak berpuas hati dengan keputusan akhir Ahli berkenaan terhadap aduan tersebut, anda boleh mengemukakan pertikaian anda kepada FMOS:<\/p><ul class=\"custom-bullet\"><li>dalam tempoh <span style=\"color: #3347fe;\">6 bulan<\/span> dari tarikh anda menerima keputusan akhir daripada Ahli berkenaan; atau<\/li><li>sekiranya Ahli gagal untuk memberi maklumbalas mereka dalam tempoh <span style=\"color: #3347fe;\">60 hari<\/span> dari tarikh aduan pertama dikemukakan kepada Ahli<\/li><\/ul><h4><strong style=\"color: #1f1454;\">Senarai Semak Dokumen<\/strong><\/h4><p>Anda perlu mengemukakan borang aduan yang telah lengkap diisi berserta semua dokumen berkaitan dengan  pertikaian anda, seperti keputusan akhir daripada Ahli atau salinan aduan bertulis pertama anda kepada Ahli.<\/p><ul><li>Semasa memfailkan pertikaian, sila berikan maklumat yang berkaitan sebanyak mungkin.<\/li><li>Anda mesti menyediakan dokumen sokongan yang berkaitan supaya kami dapat memulakan proses siasatan\/mediasi dengan berkesan.<\/li><li>Dokumen sokongan yang tidak mencukupi boleh menyebabkan kelewatan dalam memproses pertikaian anda.<\/li><li>Dokumen-dokumen berikut perlu diserahkan kepada kami untuk pertimbangan (mana yang berkenaan):<\/li><\/ul><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7d89f9 elementor-widget elementor-widget-text-editor\" data-id=\"d7d89f9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"responsive-table\"><table class=\"table table-bordered table-condensed\"><tbody><tr><td><strong>Perbankan termasuk<br \/><\/strong><strong> Perbankan Islam dan<br \/>Sistem Pembayaran<\/strong><\/td><td><ol><li>Keputusan akhir Ahli (surat\/e-mel) atau salinan aduan pertama anda kepada Ahli<\/li><li>Borang Pertikaian FMOS yang telah lengkap diisi (rujuk\u00a0<a href=\"https:\/\/fmos.org.my\/wp-content\/uploads\/2025\/04\/Banking-Dispute-Form-App.pdf\" target=\"_blank\" rel=\"noopener\">pautan<\/a>)<\/li><li>Salinan asal Borang Pendedahan Dibenarkan yang telah ditandatangani oleh pemegang akaun di bawah :-<br \/><ol start=\"1\" type=\"i\"><li>Subseksyen 134 (1) Akta Perkhidmatan Kewangan 2013 \u2013 untuk pertikaian terhadap bank berlesen dan penerbit yang diluluskan bagi instrumen pembayaran yang ditetapkan (rujuk\u00a0<a href=\"https:\/\/fmos.org.my\/wp-content\/uploads\/2025\/04\/Permitted-Disclosure-Form-2.pdf\" target=\"_blank\" rel=\"noopener\">pautan<\/a>)<\/li><li>Subseksyen 146 (1) Akta Perkhidmatan Kewangan Islam 2013 \u2013 untuk pertikaian terhadap bank Islam berlesen dan penerbit yang diluluskan bagi instrumen pembayaran Islam yang ditetapkan (rujuk\u00a0<a href=\"https:\/\/fmos.org.my\/wp-content\/uploads\/2025\/04\/Permitted-Disclosure-Form-2.pdf\" target=\"_blank\" rel=\"noopener\">pautan<\/a>)<\/li><li>Subseksyen 120 (c) Akta Institusi Kewangan Pembangunan 2002 \u2013 untuk pertikaian terhadap institusi kewangan pembangunan yang ditetapkan (rujuk\u00a0<a href=\"https:\/\/fmos.org.my\/wp-content\/uploads\/2025\/04\/Permitted-Disclosure-Form-2.pdf\" target=\"_blank\" rel=\"noopener\">pautan<\/a>)<\/li><\/ol><\/li><li>Salinan dokumen pengenalan pemegang akaun (MyKad\/Pasport\/SSM)<\/li><li>Salinan dokumen pengenalan pengadu (MyKad\/Pasport), jika anda hadir bagi pihak pemegang akaun<\/li><li>Jika anda mewakili pemegang akaun (waris terdekat\/benefisiari), surat kebenaran daripada pemegang akaun (rujuk\u00a0<a href=\"https:\/\/fmos.org.my\/wp-content\/uploads\/2025\/04\/Authorization-Letter.pdf\" target=\"_blank\" rel=\"noopener\">pautan<\/a>dan dokumen pengenalan diri anda (MyKad\/Pasport) adalah wajib<\/li><li>Surat Pengesahan Status Perniagaan Mikro\/Kecil pemegang akaun oleh Setiausaha Syarikat, jika perniagaan tidak berdaftar dengan SME Corporation Malaysia (rujuk <a href=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/05\/Confirmation-on-MSE-Status.docx\">pautan<\/a>)<\/li><\/ol><div class=\"custom-gap-title\"><strong><u>Dokumen-dokumen lain yang berkaitan bergantung kepada jenis pertikaian (jika berkenaan):<\/u><\/strong><\/div><ol><li>Ringkasan pertikaian mengikut urutan kronologi, sekiranya tidak dinyatakan dalam Borang Pertikaian FMOS<\/li><li>Surat-menyurat (surat atau e-mel) antara anda dan Ahli<\/li><li>Laporan polis<\/li><li>Penyata bank<\/li><li>Draf jualan\/slip transaksi kad kredit<\/li><li>Buku simpanan atau penyata akaun yang menunjukkan transaksi yang dipertikaikan<\/li><li>Resit transaksi Mesin Teler Automatik (ATM)\/ Mesin Deposit Tunai (CDM) yang dipertikaikan<\/li><li>Penyata Pinjaman<\/li><li>Polisi bankasurans atau sijil banktakaful (jika ada)<\/li><\/ol><\/td><\/tr><tr><td><strong>Insurans\/Takaful<\/strong><\/td><td><ol><li>Keputusan akhir Ahli (surat\/e-mel) atau salinan aduan pertama anda kepada Ahli<\/li><li>Borang Pertikaian FMOS yang telah lengkap diisi (rujuk\u00a0<a href=\"https:\/\/fmos.org.my\/wp-content\/uploads\/2025\/04\/Insurance-disputes-form-app.pdf\" target=\"_blank\" rel=\"noopener\">pautan<\/a>)<\/li><li>Salinan dokumen pengenalan pemegang polisi atau sijil (MyKad\/Pasport\/SSM)<\/li><li>Jika anda mewakili pemegang akaun (waris terdekat\/benefisiari), surat kebenaran daripada pemegang akaun (rujuk\u00a0<a href=\"https:\/\/fmos.org.my\/wp-content\/uploads\/2025\/04\/Authorization-Letter.pdf\" target=\"_blank\" rel=\"noopener\">pautan<\/a>dan dokumen pengenalan diri anda (MyKad\/Pasport) adalah wajib<\/li><li>Surat Pengesahan Status Perniagaan Mikro\/Kecil pemegang polisi atau sijil oleh Setiausaha Syarikat, jika perniagaan tidak berdaftar dengan SME Corporation Malaysia (rujuk <a href=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/05\/Confirmation-on-MSE-Status.docx\" target=\"_blank\" rel=\"noopener\">pautan<\/a>)<\/li><li>Salinan jadual dan kontrak polisi\/sijil<\/li><\/ol><div class=\"custom-gap-title\"><strong><u>Dokumen-dokumen lain yang berkaitan bergantung kepada jenis pertikaian (jika berkenaan):<\/u><\/strong><\/div><ol><li>Surat-menyurat (surat atau e-mel) antara anda dan Ahli<\/li><li>Ringkasan pertikaian mengikut urutan kronologi<\/li><li>Salinan laporan perubatan<\/li><li>Salinan laporan polis<\/li><li>Salinan laporan pelaras kerugian<\/li><li>Salinan lesen memandu<\/li><li>Salinan kad pendaftaran kenderaan<\/li><li>Salinan caj\/bil hospital<\/li><\/ol><\/td><\/tr><tr><td><strong>Pasaran Modal<\/strong><\/td><td><ol><li>Keputusan akhir Ahli (surat\/e-mel) atau salinan aduan pertama anda kepada Ahli<\/li><li>Borang Pertikaian FMOS yang telah lengkap diisi (rujuk\u00a0<a href=\"https:\/\/fmos.org.my\/wp-content\/uploads\/2025\/04\/Capital-Market-Dispute-Form-app.pdf\" target=\"_blank\" rel=\"noopener\">pautan<\/a>)<\/li><li>Salinan dokumen pengenalan pengadu (MyKad\/Pasport\/SSM)<\/li><\/ol><div class=\"custom-gap-title\"><strong><u>Dokumen-dokumen lain yang berkaitan bergantung kepada jenis pertikaian (jika berkenaan):<\/u><\/strong><\/div><ol><li>Ringkasan pertikaian\/aduan mengikut urutan kronologi, sekiranya tidak dinyatakan dalam Borang Pertikaian<\/li><li>Surat-menyurat (surat atau e-mel) antara anda dan Ahli termasuk WhatsApp atau pesanan ringkas<\/li><li>Laporan polis (jika ada)<\/li><li>Penyata Bank\/Penyata Dagangan\/Nota Kontrak\/Notis Transaksi yang berkaitan<\/li><li>Dokumen yang diberikan oleh Ahli kepada anda semasa proses penjualan<\/li><li>Sebarang maklumat dan dokumen lain yang berkaitan untuk menyokong tuntutan anda<\/li><\/ol><\/td><\/tr><\/tbody><\/table><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee1e822 elementor-widget elementor-widget-text-editor\" data-id=\"ee1e822\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Anda boleh mengemukakan aduan anda di sini: <a href=\"https:\/\/www.fmos.org.my\/bm\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><strong style=\"color: #08a1b0; text-decoration: underline;\">Failkan Aduan<\/strong><\/a><\/p><p>Sebagai alternatif, anda boleh menghubungi kami atau mengemukakan pertikaian anda secara terus di:<\/p><p><span style=\"color: #3347fe;\">Alamat:<\/span><\/p><p>Level 14 Main Block,<br \/>Menara Takaful Malaysia<br \/>No. 4 Jalan Sultan Sulaiman,<br \/>50000 Kuala Lumpur<\/p><p><span style=\"color: #3347fe;\">Talian Umum:<\/span> +603 2272 2811<\/p><p><span style=\"color: #3347fe;\">Waktu Operasi:<\/span><br \/>8.30 pagi \u2013 5.30 petang<br \/>Isnin \u2013 Jumaat<br \/>(tidak termasuk cuti umum)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Home Dispute Resolution How to File a Dispute When to submit a dispute Before submitting a dispute to FMOS, the complainant must first file a formal complaint against our Member. If you are dissatisfied with the final decision by the Member regarding your complaint, you may then submit your dispute with FMOS: within 6 months [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2352","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Submit a Dispute to FMOS | FMOS Malaysia<\/title>\n<meta name=\"description\" content=\"Dissatisfied with a decision? Learn how to submit your dispute to FMOS Malaysia with the required documents. 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