{"id":15013,"date":"2025-10-31T14:12:43","date_gmt":"2025-10-31T12:12:43","guid":{"rendered":"https:\/\/csalb.ro\/?p=15013"},"modified":"2025-10-31T14:12:43","modified_gmt":"2025-10-31T12:12:43","slug":"report-on-alternative-dispute-resolution-as-at-30-09-2025","status":"publish","type":"post","link":"https:\/\/csalb.ro\/en\/rapoarte-csalb\/report-on-alternative-dispute-resolution-as-at-30-09-2025\/","title":{"rendered":"REPORT ON ALTERNATIVE DISPUTE RESOLUTION AS AT 30.09.2025"},"content":{"rendered":"

[vc_row][vc_column][vc_column_text]During the first nine months of 2025, as many as 812 consumers went through the entire conciliation process: application filing, negotiation, final resolution <\/strong>\u00f3<\/strong> a solution accepted by both parties (in 595 cases), or reached an amicable settlement directly with their banks\/NBFIs, having first approached ABDRC (in 217 cases).<\/strong><\/p>\n

In the first nine months of the year, 89 court cases were terminated because the parties wanted and managed to find an amicable solution with the help of ABDRC.<\/strong><\/p>\n

The number of compliant applications registered in the first nine months of the year stands at 2,121 applications, <\/strong>with both the number of applications to banks and the number of applications to NBFIs lower this year compared to the same period last year, amid a decrease in the volume of requests for de-registration from the Credit Bureau. Some consumers continued to experience genuine difficulties in making the due payments, and these justified circumstances required identification of solutions to rebalance the contractual obligations (with the applications being submitted directly to creditors, or via ABDRC).<\/p>\n

Of the total number of applications received before the end of Q3 2025, <\/strong>1,620 concerned different issues in relation with banks, whereas 501 concerned different issues in relation with NBFIs.<\/p>\n

Thus, the share of applications to NBFIs fell below last year’s reference period: <\/strong>from 26.6% of total\/Q3 2024 down to 23.6% of total\/Q3 2025.<\/p>\n

Aggregately, the share of applications intended at banks increased compared to last year’s reference period:<\/strong> 73.4% of the total\/at the end of Q3 2024, and 76.4% of the total\/Q3 2025.<\/p>\n

At the end of Q3 2025, we see 500 applications for deregistration from the Credit Bureau (CB) <\/strong>(282 intended at banks + 218 intended at NBFIs), while the number of this type of applications recorded at the end of Q3 2024 was 803<\/strong>. Thus, in this statistical slot, we need to highlight also that, in the first nine months of this year, the number applications for deregistration from the Credit Bureau (CB) stayed flat compared to last year (a decrease by approximately 38%).<\/strong><\/p>\n

It should be reminded that most of the applications concerning issues in relation to the Credit Bureau, the First Home programme or assigned loans are closed<\/strong> because, on a case-by-case basis, these are governed by a special piece of legislation which leaves but limited or even no room whatsoever for negotiation.<\/p>\n

The number of casefiles formed at the end of Q3 2025 reached 686. Two casefiles were formed in relation to a NBFI and 684 were<\/strong> formed in relation to banks. By way of comparison, 825 casefiles were formed in the first nine months of 2024 (one single casefile in relation to NBFIs). Of the casefiles formed this year and settled until the end of the reference period, 595 concluded with a resolution (the parties accepted the solution proposed by the conciliator), while other 60 casefiles are still being processed (at the end of Q3 2025). In 20 cases, one of the parties rejected the solution rendered by the conciliator and a report was issued, whereas in 11 cases, one of the parties withdrew from the procedure.<\/p>\n

The number of resolutions handed down in the first nine months of this year is 595, compared to the figure reported for the same period of last year, i.e. <\/em>721 resolutions (during the two periods under review, being Q3 2025 and Q3 2024, the share of resolutions out of the total solutions is 96% in both years<\/strong>).<\/p>\n

Furthermore, before the end of the Q3 2025, 217 applications were settled amicably<\/strong> by traders after the respective cases having been referred to ABDRC (traders negotiated directly with consumers), broken down as follows: 176 applications settled amicably with banks, and 41 applications settled amicably with NBFIs<\/strong>.<\/p>\n

At the end of Q3 of this year, <\/strong>we counted 1,318 enquiries made by phone, and 293 persons\/consumers accessed the chat function available on the ABDRC website.<\/p>\n

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A breakdown of the applications by traders looks as follows:<\/strong><\/h2>\n

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BANKS:<\/strong><\/p>\n