Before filing an administrative or judicial claim, financial institutions will be obliged to go to mediation or arbitration
This service may be requested by those persons who detect abusive clauses in their loan or mortgage contracts; who have difficulty in making payments, currently or in the future; or who have received notice of a mortgage foreclosure procedure on their habitual residence.
Before beginning mediation it is necessary to have made a prior claim to the financial institution. After a period of one month without a reply or having received an unsatisfactory reply to the claim, a mediation process may be initiated with Ofideute.
Consumer mediation procedures will take a maximum of 3 months from the notification of the initial agreement. Ofideute may extend this period for a justified cause, although in no case can it exceed 6 months.
Ofideute’s intervention as an intermediary body has been made possible by the signing of cooperation agreement between the Catalan Consumer Agency and the Catalan Housing Agency.