Except in relation to a complaint the subject matter of which falls to be dealt with (or has properly been dealt with) under a consumer redress scheme, a money award may be such amount as the Ombudsman considers to be fair compensation for one or more of the following:
(1) financial loss (including consequential or prospective loss); or
(2) pain and suffering; or
(3) damage to reputation; or
(4) distress or inconvenience;
whether or not a court would award compensation.