The relationship between a customer and the bank may experience difficulties for several reasons:
Money Management: This is when the overdraft, the bank allowed to over-indebtedness;
will out: it is then how to switch banks;
dispute: the banking ombudsman intervenes.
The mediator intervenes when no solution was found at a disagreement between a client and account manager or customer service relations.
There is a mediator in all banks:
is a mediator at the national level,
is a mediator per case,
would mediate the mediation service of the French Banking Federation.
The banking ombudsman can be called for disputes:
management of the current account,
managing means of payment,
The mediator does not have jurisdiction in disputes concerning:
the refusal of loan,
the price level of services.
The mediator intervened more than once:
court proceedings are open,
a ruling is made.
The mediator can not be seized if the appeal with the agency and the customer relations department of the bank have not been made.
The client must first establish a record. The mediator is called to find an amicable solution if the application is accepted.
After reviewing the record, the mediator decides that submits a notice to both parties. The proposed solution is not required to be accepted by either party.
The lawsuit comes as a last resort because it is long and costly and in most cases it is not necessary.
Statements of account and the account agreement provide details of the mediator of the bank.