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In Italia esiste l’Ombudsman per risolvere i problemi con le banche

Ognuno di noi, nella vita, ad un certo punto incontra le banche, vuoi per il mutuo, vuoi per un prestito, vuoi per un semplice conto corrente. Nonostante adesso la trasparenza sia un obbligo, molte banche sbagliano approccio con i clienti. Adesso si può protestare, ed è gratis, grazie all’Ombudsman.

La banca o anche un intermediario finanziario, si potrebbe non comportare bene con un cliente. In genere il primo passo che si compie è quello di inoltrare un reclamo all’istituto finanziario, per ricordare il proprio problema e tentare una soluzione pacifica dell’affare. Ma se anche il reclamo non ottiene risposta, non resta che affidarsi al Giurì Bancario.

Il Giurì Bancario è l’Ombudsman che è a disposizione dei clienti gratuitamente. Ma come si può consultare. Ecco i passi da seguire:
in primo luogo è necessario che il clienti presenti un reclamo alla banca o all’intermediario che non ha avuto con lui un comportamento corretto
poi, sia che la banca o l’intermediario rispondano, sia che tacciano, se non si ottiene una risposta soddisfacente entro un anno, si può chiedere l’intervento del Giurì.

Per contattare l’Ombudsman si deve compilare un modulo, disponibile sul sito dell’Adiconsum, e poi inviarlo in Via delle Botteghe Oscure 54 – 000186 Roma. Entro 90 giorni il Giurì è costretto a rispondere. Ma per cosa va scomodato?

Si può richiedere l’intervento dell’Ombudsman per un motivo fondamentale:

1. in merito alla compravendita di azioni, titoli di stato, obbligazioni, fondi comuni, polizze finanziarie, fondi per la gestione patrimoniale e via dicendo.

Qual è l’entità del risarcimento che si può ottenere? Se l’operazione contestata ha un valore che supera i 100.000 euro, si può chiedere tramite il Giury ma questo interverrà soltanto per le richieste fino ad un massimo di 100 mila. Questo non esclude che il cittadino che si sente truffato può fare ricorso in ogni momento all’autorità giudiziaria e richiedere anche mediazione e arbitrato.