Ombudsman – In many legal systems there is the figure of the Ombudsman – a physical individual who acts in the role of an independent ‘referee’, where considers various personal complaints by citizens against public and private Authorities in a wide range of spheres; including administrative procedures, common banking issues and legal problems. Ombudsman services are free for the public to use. Ina many legal systems where this figure exists, the Ombudsman cannot oblige the governmental body to change their act, but can convince them to amend it in favor of the citizens who have complained. As well recommendations made by ombudsmen are not binding legally the person making the complaint – they can still go to court or seek protection of their own interests via other local legal procedures even if the ombudsman has declined their claim.