ABF complaint in Rome: assistance in disputes with .
The Banking and Financial Ombudsman (ABF) is a fast, affordable and accessible out-of-court procedure for resolving disputes with banks, financial companies and other intermediaries. SP Law assists clients in preparing, filing and managing the complaint at every stage.
Avv. Andrea Piacentini
Law degree from the European University of Rome and admitted to the Rome Bar since 2015. Advisory and litigation in civil law, with particular experience in banking litigation, debt recovery, leases and contract law. He is the firm's partner in charge of disputes with banks and financial intermediaries.
ABF and banking litigation.
Drafting the ABF complaint
Review of the documents, identification of the grounds and preparation of the complaint in accordance with the ABF procedural rules.
Preliminary assessment
We check admissibility, deadlines, procedural requirements and supporting documents before filing.
Managing the procedure
Assistance throughout the review phase: replies to requests for additional information, observations and responses to the intermediary.
Banking and financial law
Litigation on current accounts, mortgages, personal loans, credit cards, credit lines, compound interest, interest, fees, credit-bureau reports and dealings with banks.
A clear strategy for your .
We follow the ABF procedure within the required deadlines and formalities, minimising the risk of inadmissibility or dismissal on procedural grounds.
We review banking records, correspondence and prior complaints to build a coherent and well-founded case.
We support you from the initial consultation through to the Ombudsman's decision, including any subsequent court proceedings.
Avv. Andrea Piacentini personally handles the firm's banking and financial litigation.
ABF complaint, Banking and Financial Ombudsman, banking disputes — Rome and Italy
SP Law provides legal assistance for complaints to the Banking and Financial Ombudsman in Rome and throughout Italy. We advise individuals and businesses in disputes with banks and financial intermediaries: current accounts, mortgages, personal loans, credit cards, compound interest, fees, interest and credit-bureau reports. Avv. Andrea Piacentini is the firm's partner in charge of banking and financial litigation. Offices in Rome Vigna Clara and Rome Prati.
Frequently .
Answers to the most common questions about ABF complaints and banking disputes.
When is an ABF complaint appropriate?
An ABF complaint is appropriate for disputes up to €200,000 with banks or financial intermediaries — current accounts, mortgages, credit cards, unauthorised transfers, compound interest, credit-bureau reports — once a written complaint to the bank has gone unanswered or received an unsatisfactory reply within 60 days.
How much does an ABF complaint cost?
The filing fee paid to the ABF is €20 and is refunded by the intermediary if the complaint is upheld. The lawyer's fee is agreed in advance, transparently and in proportion to the value of the dispute.
How long does the ABF procedure take?
The Banking and Financial Ombudsman's decision usually arrives within 6-9 months of a complete complaint being filed, much faster than ordinary civil court proceedings.
Do I need a lawyer for an ABF complaint?
Legal assistance is not mandatory but strongly recommended: a well-argued complaint, with the correct reconstruction of the banking relationship and organised documentation, significantly increases the chances of success and reduces the risk of inadmissibility.
What kind of disputes can be brought before the ABF?
All disputes concerning banking and financial operations and services: current accounts, mortgages, personal loans, credit and debit cards, unauthorised transfers, anatocism, usury, fees, Central Credit Register and CRIF reports, salary-backed loans and consumer credit.
Do I have to file a complaint with the bank first?
Yes. An ABF complaint is only admissible after a written complaint has first been sent to the bank or intermediary and 60 days have passed. If no response is received or the response is unsatisfactory, the complaint can be filed with the ABF within 12 months of the original complaint to the bank.
Is the ABF's decision binding?
The decision is not technically binding like a court judgment, but banks comply in the vast majority of cases. If not, the intermediary is publicly reported on the ABF website, and it remains possible to bring the matter before an ordinary court.
How do I get started with the firm?
Just contact us by phone, email or via the online form. We arrange an initial consultation to review the banking documents, assess the merits of the case and propose the most effective strategy, with a clear quote before any engagement.
Let's talk about your .
Book an initial consultation to assess your ABF complaint and the documentation to prepare.