In the event of a dispute between you and your bank, an amicable solution is possible with this interlocutor.
Finding and proposing a solution to put an end to a dispute between bank and customer, such is the mission of the banking mediator.
With the same status as that of insurance mediator, it must be fair, independent and operate in a transparent manner. The Consumer Mediation Assessment and Control Commission (CECMC) is responsible for assessing
It should be noted from the outset that this recourse is free. To be able to appeal it, the resolution by a written complaint, of the dispute in question must have failed. And as far as possible, an acknowledgment of receipt which will allow you, if necessary, to provide proof of your attempts to resolve the conflict.
In the event that the response from the advisor or customer service does not provide a solution in your view, or if no response occurs within 2 months (or 15 days in the context of a dispute related to a service payment), the mediator may be called upon.
It is by mail that the banking mediator can be seized, at an address indicated on the website of your bank.
And then ?
The mediator must notify you that he has been contacted, by post or e-mail. He then has a maximum of 90 days to submit a proposal for a solution to the dispute.
It should be borne in mind that resorting to the mediator suspends the period during which you can go to court for 2 years. It resumes when the mediator transmits his proposed solution.
The proposed solution, you are entitled to accept or refuse it; like the bank. In case of refusal, it can be appealed to justice. It will then be the district court if the dispute relates to sums whose amount does not exceed 10,000 euros; or the tribunal de grande instance if the amount is equal to or greater than 10,000 euros.