In 2007, I took a mortgage loan to buy an apartment. In parallel, we also pay instalments for a personal loan we took to buy a car. The loan for the apartment was taken for 25 years. We still have to pay RON 110,000, i.e. monthly instalments for 10 years. Over the last year, the instalment for the apartment increased significantly, which left us, a family with two small children, very worried since our income has been stalling for years. However, as always, we did our best not to delay payment of the instalments. Then, we learned about ABDRC. We filed the application online, attached also supporting documents, and asked for a reduction of the principal and, implicitly, of the instalments. But we received more than we had asked for! The bank wrote off all the debt. This incredible piece of news almost brought tears to my eyes. It's hard to find words to describe what this decision means to us. We received more than we had hoped for, and we are very grateful for this wonderful gift. I think that our encounter with ABDRC was God's way of working out a miracle for our family.

After the bank attached my income for a loan I had taken back in 2014, the overdue payments and penalties ended up amounting to RON 25,000, for a loan of RON 35,000. And this because the payment transfers were made into the wrong account. The bank wrote off RON 18,500 of this amount, and I paid RON 5,000, plus the cost of the court bailiff. The solution we reached seems to me a very good one, and I would give more than the maximum grade to the conciliator for his involvement! Initially, the bank refused to deal with the issue. I even hired a lawyer, whom I eventually didn't need because ABDRC helped me solve the problem in 45 days, and I remained also in cordial relations with the bank.

``Back in 2007, I took a mortgage loan in CHF. Due to the real estate crisis and the increasing CHF rate, the instalments virtually doubled in time. Before the fall of 2018, we managed somehow, although with same delay, to pay them, but since the spring of 2019, since we have been faced with a serious health problem of my wife, the delays have grown longer and longer. Before the situation got critical, we approached ABDRC hoping that their conciliation would get us a reconversion and rebalancing of this loan. But with the help of ABDRC we obtained more than we could have ever hoped for, meaning the loan that we had to pay for perhaps 12 more years was written off entirely and closed. Our collaboration with ABDRC was straightforward, on the point and unexpectedly fast. This is why I encourage all that find themselves in a more particular situation and seek to settle with their banks, before pursuing any other proceedings, to try conciliation via ABDRC. Nothing is imposed, and there are no constraints, but only benefits.``

After almost 10 years since we had borrowed a credit, we found that there were major gaps between the additional act received in 2010 and the initial contract back in 2006. We wrote to the bank and we asked to remove the commision that we considered to be abusive. The bank refused us, and a friend recommended to contact the Center to expose our situation. In two months we resolved the problem and we received back almost 3000 Euros and the bank eliminated from our contract the 85 Euros fee considered abusive.

After almost 10 years since we had borrowed a credit, we found that there were major gaps between the additional act received in 2010 and the initial contract back in 2006. We wrote to the bank and we asked to remove the commision that we considered to be abusive. The bank refused us, and a friend recommended to contact the Center to expose our situation. In two months we resolved the problem and we received back almost 3000 Euros and the bank eliminated from our contract the 85 Euros fee considered abusive.

In March 2016, a savings-loan contract reached maturity and when I wished to recover my money the bank returned only a partial amount and motivated that the remaining account is held by a third party. The Center helped me to recover all my money.The bank suggested that I was going for nothing to the ADR Center, because they have the upper hand in the negotiation. I didn’t feel any pressure from the conciliator who offered me a convenient solution, a solution that I couldn’t receive at the bank before contacting the ADR Center.

I had a credit and I needed to intervene multiple times for the bank to understand that the interest and fees were too high. I tried to resolve it on my own, but I didn’t have any result. Then I contacted the ADR Center and it resolved the dispute right away. We agreed that everything left to be paid, meaning 3000 lei accounting for fees paid until then should be erased. I chose the proposed resolution to gain control over the final solution. I didn’t want the resolution to be imposed by a third party.

I want to express my sincere gratitude for all your help, attention and promptitude that you provided in resolving my case. Thanks to you and your conciliator I managed to escape a nightmare that last more than four years.