"complaint"
means a complaint by a client relating to any agreement with, or a financial service or product of, a financial institution, and in which it is alleged that the client has suffered or is likely to suffer financial prejudice or damage as a result of the financial institution—
(a) |
having contravened or failed to comply with a provision of any agreement or the law or of a code of conduct subscribed to by the financial institution; |
(b) |
having wilfully or negligently supplied, or failed to supply, a financial service or a product to the client; |
(c) |
having treated the client unreasonably or inequitably; or |
(d) |
having maladministered the implementation of an agreement with, or the supply of a financial service or a product to, the client; |