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The users of the financial services protest little
Know you how you must demand against his bank, insuring or society of values? Surely no, judging by the few files - about 10,000 each year-that arrive at the Bank of Spain (SEES), the Seguros Main directorate (DGS) and the National Commission of the Market of Valores (CNMV). In order to palliate this lagoon, the three financial supervisors and the National Institute of Consumption will distribute from today 100,000 pamphlets, in which they explain what the user must make to protest if he is not in agreement with some action of his organization. In them, they explain that the complaint in anyone of the three organisms can be presented/displayed - although he is faster if it gives itself in the suitable one and that in her the identification of the user must consist, the excellent organization against whom it calls to each other and the reasons, as well as documents that can serve as test. Previous steps But the question is not so easy and, mainly, it requires of much patience. Before sending itself to protest before anyone of the three organisms, it is necessary to pass through the Service of Attention or Defender of the Client of the organization against which the claim appears, which takes, habitually, a minimum of two months. Later, if the client has still not secured his objective and, mainly, it they have left desire to litigate, is when it must go to the supervisors, where they wait to him, with general character, four months more of proceedings, although they can more be many. But most characteristic of the process it is not the period of duration but the fact that the decision is not binding either and it economically values the possible damages and damages caused to the users. That is to say, that after a year fighting, the client can be whereupon the Bank of Spain or the CNMV gives the reason him but its organization follows without giving its arm to twist and, by all means, it does not give back the received thing illegally to him nor it grants indemnification to him some. Last step: the courts From there, it is the judicial route, an also winding way but that gives the confidence of which the resolution of is forced fulfillment. Clear that nobody almost uses this possibility because the cost to do far beyond supposes it in the majority of the cases a quantity the one that is tried to recover. The vice-president of the association Adicae, Fernando Blacksmiths, recommends the users to protest to avoid abusive conducts but she recognizes that the present system does not animate to do it because is very tedious and it does not assure that the organizations are going to accept the resolutions. Disobedience to the supervisors the services of claims of the supervisors are almost one lottery. To thus they demonstrate the numbers it of the Bank of Spain of 2006. The organizations less than accepted their mandate in half of the resolutions in favor of the clients. And the breach of discipline goes to worse - it has changed the form to enter it and that influences, because in 2002 they respected to him now in 69,5% of the cases and only in 43.9%. By the organizations, less collaborating they are the boxes, that do not pay attention to him 66.5% to the times, against 43.7% of the banks. (The extracted News of Public)
 
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