{"id":7195,"date":"2018-01-30T15:42:08","date_gmt":"2018-01-30T13:42:08","guid":{"rendered":"https:\/\/csalb.ro\/uncategorized\/raport-anual-csalb-31-12-2017\/"},"modified":"2018-07-04T12:58:49","modified_gmt":"2018-07-04T09:58:49","slug":"activity-report-abdrc-31-12-2017","status":"publish","type":"post","link":"https:\/\/csalb.ro\/en\/abdrc-reports\/activity-report-abdrc-31-12-2017\/","title":{"rendered":"ACTIVITY REPORT ABDRC &#8211; 31.12.2017"},"content":{"rendered":"<p><strong>Alternative dispute resolution operational activity report as at 31.12.2017<\/strong><\/p>\n<p><!--more--><\/p>\n<p>The Alternative Banking Dispute Resolution Centre started its alternative dispute resolution operational activity on 01.03.2016, with the receipt of the first application from a consumer.<\/p>\n<p>&nbsp;<\/p>\n<p>In 2017, we received as many as <strong>1,165 written applications, and more than 7,000 requests by phone <\/strong>from consumers:<\/p>\n<ul>\n<li><strong>505 of the written applications were found compliant;<\/strong><\/li>\n<li>16 of them were found non-compliant;<\/li>\n<li>644 were applications for various information (about the ADR procedures).<\/li>\n<\/ul>\n<p>Distribution of the complete casefiles to conciliators is random, term of the availability and workload of each conciliator.<\/p>\n<p>Means of filing compliant applications:<\/p>\n<ul>\n<li><strong>384 were filed by email <\/strong>(preferred by consumers);<\/li>\n<li>64 were mailed;<\/li>\n<li>57 were brought to, and registered by consumers in the office of ABDRC.<\/li>\n<\/ul>\n<p>The applications received from consumers targeted the <strong>following types of claims<\/strong>:<\/p>\n<ul>\n<li>return of the management fee, the monitoring fee or other categories of fees &#8211; perceived by consumers as unlawfully charged;<\/li>\n<li>rescheduling of loans;<\/li>\n<li>reduction of the monthly instalments, when the consumer assesses that the monthly instalments have been abusively increased by the business;<\/li>\n<li>return of the amount resulted from the excessive increase of the interest rate, as perceived by consumers;<\/li>\n<li>reduction of the interest rate, and freezing of exchange rate at the rate applied at execution of the loan agreement (in CHF);<\/li>\n<li>declaring the load early due, in disregard of the contractual conditions;<\/li>\n<li>calculation and payment of the instalments in lei, at the rate of exchange applied at the time when the agreement was concluded;<\/li>\n<li>removal of clauses qualified by consumers are abusive, regarding application of default interests;<\/li>\n<li>deregistrations from the credit register, etc.<\/li>\n<\/ul>\n<p><strong>Qualification of the 505 compliant applications:<\/strong><\/p>\n<ul>\n<li>214 were turned into casefiles;<\/li>\n<li>67 are currently screened (as at 31.12.2017);<\/li>\n<li>224 were closed.<\/li>\n<\/ul>\n<p>The main <strong>reasons for closing <\/strong>compliant applications are:<\/p>\n<ul>\n<li>businesses refused settlement of the disputes by ADR procedures:\n<ul>\n<li>due to pending court actions;<\/li>\n<li>because forced execution procedures have already been initiated;<\/li>\n<li>attempts to contact the consumer directly;<\/li>\n<\/ul>\n<\/li>\n<li>business put forward a number of offers, but all of them were turned down by consumers (before the consumers approaching ABDRC);<\/li>\n<li>more than 90 days have passed since filing of the applications, and the consumers failed to supplement the applications with the data\/documents required for due settlement.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>As many as 67 applications are in <strong>the screening phase <\/strong>(reviews of completeness of the documentation, requests for information and supporting documents).<\/p>\n<p>Qualification of the 214 casefiles in the procedure with proposed solution (as at 31.12.2017):<\/p>\n<ul>\n<li>20 preliminary casefiles;<\/li>\n<li>48 casefiles in the phase of discussions with the parties;<\/li>\n<li><strong>115 resolutions;<\/strong><\/li>\n<li>24 closures;<\/li>\n<li>2 inadmissibility resolutions;<\/li>\n<li>3 casefiles in which one party withdrew from the procedure;<\/li>\n<\/ul>\n<div class=\"buton-descarca\"><a class=\"za-btn custom-font-7 animate_icon\" href=\"https:\/\/csalb.ro\/wp-content\/uploads\/2018\/03\/Raport-CSALB_2017_11.01_V01_DTP_ROEN_f.pdf\" target=\"_self\" style=\" font-size:11px; 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