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CONCILIATORE BANCARIO FINANZIARIO

The Banca Carige Group is a member of the "Conciliatore Bancario Finanziario" (Financial Banking Conciliator) with a view to improving relations with customers, to whom two instruments for the alternative resolution of disputes are in fact made available:

  • Mediation
  • Arbitration.

 
MEDIATION
It is a way of resolving a dispute by entrusting an independent third party with the task of facilitating the reaching of an agreement between the parties at predefined costs. The mediator is an expert but is not a judge, i.e. he or she is not called upon to prove either party right or wrong.

Who can resort to mediation
Both the client and the Bank may request the Bank and Finance Conciliator to organise the mediation meeting. The procedure is very short. The Financial and Banking Conciliator can organise what is necessary throughout the country, with the intervention of independent "peacemakers", generally professionals in the field of banking and finance. The mediation must be concluded within 60 working days of the first meeting. The agreement reached is binding on the parties. The agreement reached can be approved by the Court and become enforceable title. In other words, in the event of non-compliance with the agreement you can ask for immediate execution as shown in the minutes of mediation. If the agreement is not reached, it is always possible to ask for the intervention of an arbitrator or to appeal to the judge.

Scope of application
Mediation can be sought for any matter, whatever the disputed value, the nature of the transaction or the damage.

How to apply
To activate a mediation write to:
Banking and Financial Conciliator
via delle Botteghe Oscure, 54
00186 Rome.

 

To learn more, visit the website www.conciliatorebancario.it
 

 
ARBITRATION
It is a procedure aimed at ending a dispute with the intervention of an expert, the arbitrator, who is entrusted with the task of judging. The arbitrator is not an ordinary judge, there are no professional requirements, but usually at least for an arbitration in banking and finance matters legal competence is required. A university professor or an attorney who is an expert in the subject matter of the matter is often called an arbitrator. The decision to rely on an arbitrator involves the intention not to go afterwards to the ordinary judge.

Who can resort to arbitration
The first step is always for the parties to decide to resolve a dispute without resorting to ordinary justice, but through the intervention of an arbitrator whose costs are agreed between the parties. This choice can be made even before an issue arises - for example at the conclusion of a contract - or when a dispute arises. It is always the parties who choose who to turn to. It is then up to the arbitrator(s) to proceed to the decision, as the parties may decide to have recourse to an arbitrator or an arbitration panel composed of an odd number of experts.

Scope of application
Arbitration can be requested for any matter, whatever the disputed value, the nature of the transaction or the damage.

How to apply
To request the initiation of an arbitration write to:
Banking and Financial Conciliator
via delle Botteghe Oscure, 54
00186 Rome.

 

To learn more, visit the website www.conciliatorebancario.it

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