{"id":837,"date":"2025-08-05T09:35:00","date_gmt":"2025-08-05T09:35:00","guid":{"rendered":"https:\/\/www.studiobarnaba.it\/?page_id=837"},"modified":"2026-10-18T12:56:09","modified_gmt":"2026-10-18T12:56:09","slug":"contenzioso-bancario-e-finanziario","status":"publish","type":"page","link":"https:\/\/www.studiobarnaba.it\/en\/contenzioso-bancario-e-finanziario\/","title":{"rendered":"Banking and Financial Litigation"},"content":{"rendered":"<div data-colibri-id=\"837-c1\" class=\"style-1535 style-local-837-c1 position-relative\">\n  <!---->\n  <div data-colibri-component=\"section\" data-colibri-id=\"837-c2\" id=\"content\" class=\"h-section h-section-global-spacing d-flex align-items-lg-center align-items-md-center align-items-center style-1536 style-local-837-c2 position-relative\">\n    <!---->\n    <!---->\n    <div class=\"h-section-grid-container h-section-fluid-container\">\n      <div data-colibri-id=\"837-c6\" class=\"h-row-container gutters-row-lg-1 gutters-row-md-1 gutters-row-2 gutters-row-v-lg-1 gutters-row-v-md-1 gutters-row-v-1 style-1540 style-local-837-c6 position-relative\">\n        <!---->\n        <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-1 gutters-col-md-1 gutters-col-2 gutters-col-v-lg-1 gutters-col-v-md-1 gutters-col-v-1\">\n          <!---->\n          <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1675-outer style-local-837-c7-outer\">\n            <div data-colibri-id=\"837-c7\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-1 v-inner-lg-1 v-inner-md-1 v-inner-1 style-1675 style-local-837-c7 position-relative\">\n              <!---->\n              <!---->\n              <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-center align-self-md-center align-self-center\">\n                <!---->\n                <div data-colibri-id=\"837-c8\" class=\"h-text h-text-component style-1674 style-local-837-c8 position-relative h-element\">\n                  <!---->\n                  <!---->\n                  <div class=\"\">\n                    <p>In collaboration with: <strong><u>Studio Avv. Carlo Capone<\/u><\/strong><\/p>\n                  <\/div>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n          <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1541-outer style-local-837-c9-outer\">\n            <div data-colibri-id=\"837-c9\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-0 v-inner-lg-1 v-inner-md-1 v-inner-0 style-1541 style-local-837-c9 position-relative\">\n              <!---->\n              <!---->\n              <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                <!---->\n                <div data-colibri-id=\"837-c10\" class=\"h-global-transition-all h-heading style-1542 style-local-837-c10 position-relative h-element\">\n                  <!---->\n                  <div class=\"h-heading__outer style-1542 style-local-837-c10\">\n                    <!---->\n                    <!---->\n                    <h4 class=\"\">Current accounts, mortgages, loans: when the bank makes demands, it is fair to ask why.<\/h4>\n                  <\/div>\n                <\/div>\n                <div data-colibri-id=\"837-c11\" class=\"h-global-transition-all h-heading style-1543 style-local-837-c11 position-relative h-element\">\n                  <!---->\n                  <div class=\"h-heading__outer style-1543 style-local-837-c11\">\n                    <!---->\n                    <!---->\n                    <h2 class=\"\">Banking and financial litigation<\/h2>\n                  <\/div>\n                <\/div>\n                <div data-colibri-id=\"837-c12\" class=\"h-lead h-text h-text-component style-1544 style-local-837-c12 position-relative h-element\">\n                  <!---->\n                  <!---->\n                  <div class=\"\">\n                    <p>Legal assistance for individuals, professionals and businesses in banking and financial disputes.\n                      <br>From contract review to defence in court.<\/p>\n                  <\/div>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n      <div data-colibri-id=\"837-c3\" class=\"h-row-container gutters-row-lg-0 gutters-row-md-0 gutters-row-2 gutters-row-v-lg-0 gutters-row-v-md-0 gutters-row-v-0 style-1537 style-local-837-c3 position-relative\">\n        <!---->\n        <div class=\"h-row justify-content-lg-end justify-content-md-end justify-content-end align-items-lg-center align-items-md-center align-items-center gutters-col-lg-0 gutters-col-md-0 gutters-col-2 gutters-col-v-lg-0 gutters-col-v-md-0 gutters-col-v-0\">\n          <!---->\n          <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto align-self-lg-center align-self-md-center align-self-center style-1538-outer style-local-837-c4-outer\">\n            <div data-colibri-id=\"837-c4\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-0 h-px-md-0 h-px-0 v-inner-lg-0 v-inner-md-0 v-inner-0 style-1538 style-local-837-c4 position-relative\">\n              <!---->\n              <!---->\n              <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                <!---->\n                <div data-colibri-id=\"837-c5\" class=\"h-divider style-1539 style-local-837-c5 position-relative h-element\">\n                  <!----><span class=\"h-divider__line style-1539-line style-local-837-c5-line style-1539-line style-local-837-c5-line\"><\/span> <span class=\"h-svg-icon h-divider__icon style-1539-icon style-local-837-c5-icon\"><!--Icon by Icons8 Line Awesome (https:\/\/icons8.com\/line-awesome)--><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"bank\" viewbox=\"0 0 512 545.5\"><path d=\"M256 94.5l6 2.5 192 80 10 4.5V224h-32v176h32v80H48v-80h32V224H48v-42.5l10-4.5 192-80zm0 35L106 192h300zM112 224v176h32V224h-32zm64 0v176h32V224h-32zm64 0v176h32V224h-32zm64 0v176h32V224h-32zm64 0v176h32V224h-32zM80 432v16h352v-16H80z\"><\/path><\/svg><\/span>                  <span class=\"h-divider__line style-1539-line style-local-837-c5-line style-1539-line style-local-837-c5-line\"><\/span><\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n  <div data-colibri-component=\"section\" data-colibri-id=\"837-c13\" id=\"content-2\" class=\"h-section h-section-global-spacing d-flex align-items-lg-center align-items-md-center align-items-center style-1545 style-local-837-c13 position-relative\">\n    <!---->\n    <!---->\n    <div class=\"h-section-grid-container h-section-fluid-container\">\n      <!---->\n      <div data-colibri-id=\"837-c14\" class=\"h-row-container gutters-row-lg-2 gutters-row-md-2 gutters-row-0 gutters-row-v-lg-2 gutters-row-v-md-2 gutters-row-v-2 style-1546 style-local-837-c14 position-relative\">\n        <!---->\n        <div class=\"h-row justify-content-lg-start justify-content-md-start justify-content-start align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-2 gutters-col-md-2 gutters-col-0 gutters-col-v-lg-2 gutters-col-v-md-2 gutters-col-v-2\">\n          <!---->\n          <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1547-outer style-local-837-c15-outer\">\n            <div data-colibri-id=\"837-c15\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-1 v-inner-lg-1 v-inner-md-1 v-inner-1 style-1547 style-local-837-c15 position-relative\">\n              <!---->\n              <!---->\n              <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                <!---->\n                <div data-colibri-id=\"837-c16\" class=\"h-global-transition-all h-heading style-1548 style-local-837-c16 position-relative h-element\">\n                  <!---->\n                  <div class=\"h-heading__outer style-1548 style-local-837-c16\">\n                    <!---->\n                    <!---->\n                    <h4 class=\"\">What appears to be owed is not always actually lawful<\/h4>\n                  <\/div>\n                <\/div>\n                <div data-colibri-id=\"837-c17\" class=\"h-global-transition-all h-heading style-1549 style-local-837-c17 position-relative h-element\">\n                  <!---->\n                  <div class=\"h-heading__outer style-1549 style-local-837-c17\">\n                    <!---->\n                    <!---->\n                    <h3 class=\"\">When a banking or financial dispute arises<\/h3>\n                  <\/div>\n                <\/div>\n                <div data-colibri-id=\"837-c18\" class=\"h-lead h-text h-text-component style-1550 style-local-837-c18 position-relative h-element\">\n                  <!---->\n                  <!---->\n                  <div class=\"\">\n                    <p>In dealings with banks, financial intermediaries and collection companies, <strong>the information gap is often profound<\/strong>.\n                      <br> Obscure clauses, non-transparent financial terms, abusive practices and complex contracts can give rise to <strong>unfair or disproportionate claims<\/strong>.\n                      <br> The Firm assists those who wish to:<strong><br><\/strong><\/p>\n                  <\/div>\n                <\/div>\n                <div data-colibri-id=\"837-c19\" class=\"icon-list d-flex justify-content-lg-start justify-content-md-start justify-content-start style-1597 style-local-837-c19 position-relative h-element\">\n                  <!---->\n                  <ul class=\"ul-list-icon horizontal-on-desktop horizontal-on-tablet horizontal-on-mobile justify-content-lg-start justify-content-md-start justify-content-start\">\n                    <!---->\n                    <li class=\"list-item no-gutters\">\n                      <!---->\n                      <div class=\"list-container-divider d-flex justify-content-lg-start justify-content-md-start justify-content-start first-el-spacer\"><\/div> <span class=\"item-link no-gutters\"><div class=\"d-flex h-col no-gutters align-items-lg-center align-items-md-center align-items-center list-item-text-wrapper\"><div class=\"d-flex\"><span  class=\"h-svg-icon style-1597-icon style-local-837-c19-icon\"><!--Icon by Icons8 Line Awesome (https:\/\/icons8.com\/line-awesome)--><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"circle-thin\" viewbox=\"0 0 512 545.5\"><path d=\"M256 96c105.944 0 192 86.056 192 192s-86.056 192-192 192S64 393.944 64 288 150.056 96 256 96zm0 16c-97.297 0-176 78.703-176 176s78.703 176 176 176 176-78.703 176-176-78.703-176-176-176z\"><\/path><\/svg><\/span><\/div>\n                <span class=\"list-text d-block\"><span>check whether their bank exposure is lawful;<\/span><\/span>\n              <\/div>\n              <\/span>\n              <div class=\"list-container-divider d-flex justify-content-lg-start justify-content-md-start justify-content-start\">\n                <!---->\n              <\/div>\n              <\/li>\n              <li class=\"list-item no-gutters\">\n                <!---->\n                <!----><span class=\"item-link no-gutters\"><div class=\"d-flex h-col no-gutters align-items-lg-center align-items-md-center align-items-center list-item-text-wrapper\"><div class=\"d-flex\"><span  class=\"h-svg-icon style-1597-icon style-local-837-c19-icon\"><!--Icon by Icons8 Line Awesome (https:\/\/icons8.com\/line-awesome)--><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"circle-thin\" viewbox=\"0 0 512 545.5\"><path d=\"M256 96c105.944 0 192 86.056 192 192s-86.056 192-192 192S64 393.944 64 288 150.056 96 256 96zm0 16c-97.297 0-176 78.703-176 176s78.703 176 176 176 176-78.703 176-176-78.703-176-176-176z\"><\/path><\/svg><\/span><\/div>\n            <span class=\"list-text d-block\"><span>challenge demands considered excessive or flawed;<\/span><\/span>\n          <\/div>\n          <\/span>\n          <div class=\"list-container-divider d-flex justify-content-lg-start justify-content-md-start justify-content-start\">\n            <!---->\n          <\/div>\n          <\/li>\n          <li class=\"list-item no-gutters\">\n            <!---->\n            <!----><span class=\"item-link no-gutters\"><div class=\"d-flex h-col no-gutters align-items-lg-center align-items-md-center align-items-center list-item-text-wrapper\"><div class=\"d-flex\"><span  class=\"h-svg-icon style-1597-icon style-local-837-c19-icon\"><!--Icon by Icons8 Line Awesome (https:\/\/icons8.com\/line-awesome)--><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"circle-thin\" viewbox=\"0 0 512 545.5\"><path d=\"M256 96c105.944 0 192 86.056 192 192s-86.056 192-192 192S64 393.944 64 288 150.056 96 256 96zm0 16c-97.297 0-176 78.703-176 176s78.703 176 176 176 176-78.703 176-176-78.703-176-176-176z\"><\/path><\/svg><\/span><\/div>\n        <span class=\"list-text d-block\"><span>defend themselves in court or take action to recover sums unlawfully paid.<\/span><\/span>\n      <\/div>\n      <\/span>\n      <div class=\"list-container-divider d-flex justify-content-lg-start justify-content-md-start justify-content-start\" style=\"display: none;\">\n        <!---->\n      <\/div>\n      <div class=\"list-container-divider d-flex justify-content-lg-start justify-content-md-start justify-content-start last-el-spacer\"><\/div>\n      <\/li>\n      <\/ul>\n    <\/div>\n  <\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div data-colibri-id=\"837-c20\" class=\"h-row-container gutters-row-lg-1 gutters-row-md-1 gutters-row-2 gutters-row-v-lg-1 gutters-row-v-md-1 gutters-row-v-2 style-1551 style-local-837-c20 position-relative\">\n  <!---->\n  <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-1 gutters-col-md-1 gutters-col-2 gutters-col-v-lg-1 gutters-col-v-md-1 gutters-col-v-2\">\n    <!---->\n    <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1552-outer style-local-837-c21-outer\">\n      <div data-colibri-id=\"837-c21\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-0 v-inner-lg-0 v-inner-md-0 v-inner-0 style-1552 style-local-837-c21 position-relative\">\n        <!---->\n        <!---->\n        <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n          <!---->\n          <div data-colibri-id=\"837-c22\" class=\"h-row-container gutters-row-lg-2 gutters-row-md-2 gutters-row-0 gutters-row-v-lg-2 gutters-row-v-md-2 gutters-row-v-0 style-1553 style-local-837-c22 position-relative\">\n            <!---->\n            <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-2 gutters-col-md-2 gutters-col-0 gutters-col-v-lg-2 gutters-col-v-md-2 gutters-col-v-0\">\n              <!---->\n              <div class=\"h-column h-column-container d-flex h-col-lg-6 h-col-md-6 h-col-6 style-1554-outer style-local-837-c23-outer\">\n                <div data-colibri-id=\"837-c23\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-0 h-px-md-0 h-px-0 v-inner-lg-0 v-inner-md-0 v-inner-0 style-1554 style-local-837-c23 position-relative\">\n                  <!---->\n                  <!---->\n                  <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                    <!---->\n                    <div data-colibri-id=\"837-c24\" class=\"h-global-transition-all h-heading style-1555 style-local-837-c24 position-relative h-element\">\n                      <!---->\n                      <div class=\"h-heading__outer style-1555 style-local-837-c24\">\n                        <!---->\n                        <!---->\n                        <h5 class=\"\">Review of mortgage, loan or leasing contracts<\/h5>\n                      <\/div>\n                    <\/div>\n                    <div data-colibri-id=\"837-c25\" class=\"h-text h-text-component style-1556 style-local-837-c25 position-relative h-element\">\n                      <!---->\n                      <!---->\n                      <div class=\"\">\n                        <p>Analysis of financial and legal terms: interest rates, amortisation schedules, fees, penalties, vagueness of the conditions.<\/p>\n                      <\/div>\n                    <\/div>\n                  <\/div>\n                <\/div>\n              <\/div>\n              <div class=\"h-column h-column-container d-flex h-col-lg-6 h-col-md-6 h-col-6 style-1554-outer style-local-837-c26-outer\">\n                <div data-colibri-id=\"837-c26\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-0 h-px-md-0 h-px-0 v-inner-lg-0 v-inner-md-0 v-inner-0 style-1554 style-local-837-c26 position-relative\">\n                  <!---->\n                  <!---->\n                  <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                    <!---->\n                    <div data-colibri-id=\"837-c27\" class=\"h-global-transition-all h-heading style-1555 style-local-837-c27 position-relative h-element\">\n                      <!---->\n                      <div class=\"h-heading__outer style-1555 style-local-837-c27\">\n                        <!---->\n                        <!---->\n                        <h5 class=\"\">Challenging usurious or compound interest<\/h5>\n                      <\/div>\n                    <\/div>\n                    <div data-colibri-id=\"837-c28\" class=\"h-text h-text-component style-1556 style-local-837-c28 position-relative h-element\">\n                      <!---->\n                      <!---->\n                      <div class=\"\">\n                        <p>Checking whether the usury thresholds have been exceeded, unlawful capitalisation, breach of banking transparency rules and incorrect calculation of the debt.<\/p>\n                      <\/div>\n                    <\/div>\n                  <\/div>\n                <\/div>\n              <\/div>\n              <div class=\"h-column h-column-container d-flex h-col-lg-6 h-col-md-6 h-col-6 style-1554-outer style-local-837-c29-outer\">\n                <div data-colibri-id=\"837-c29\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-0 h-px-md-0 h-px-0 v-inner-lg-0 v-inner-md-0 v-inner-0 style-1554 style-local-837-c29 position-relative\">\n                  <!---->\n                  <!---->\n                  <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                    <!---->\n                    <div data-colibri-id=\"837-c30\" class=\"h-global-transition-all h-heading style-1555 style-local-837-c30 position-relative h-element\">\n                      <!---->\n                      <div class=\"h-heading__outer style-1555 style-local-837-c30\">\n                        <!---->\n                        <!---->\n                        <h5 class=\"\">Defending against payment injunctions<\/h5>\n                      <\/div>\n                    <\/div>\n                    <div data-colibri-id=\"837-c31\" class=\"h-text h-text-component style-1556 style-local-837-c31 position-relative h-element\">\n                      <!---->\n                      <!---->\n                      <div class=\"\">\n                        <p>Opposing demands based on wrong balances, unilateral calculations, unsigned statements or unverifiable amounts.<\/p>\n                      <\/div>\n                    <\/div>\n                  <\/div>\n                <\/div>\n              <\/div>\n              <div class=\"h-column h-column-container d-flex h-col-lg-6 h-col-md-6 h-col-6 style-1554-outer style-local-837-c32-outer\">\n                <div data-colibri-id=\"837-c32\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-0 h-px-md-0 h-px-0 v-inner-lg-0 v-inner-md-0 v-inner-0 style-1554 style-local-837-c32 position-relative\">\n                  <!---->\n                  <!---->\n                  <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                    <!---->\n                    <div data-colibri-id=\"837-c33\" class=\"h-global-transition-all h-heading style-1555 style-local-837-c33 position-relative h-element\">\n                      <!---->\n                      <div class=\"h-heading__outer style-1555 style-local-837-c33\">\n                        <!---->\n                        <!---->\n                        <h5 class=\"\">Recovering sums unduly paid<\/h5>\n                      <\/div>\n                    <\/div>\n                    <div data-colibri-id=\"837-c34\" class=\"h-text h-text-component style-1556 style-local-837-c34 position-relative h-element\">\n                      <!---->\n                      <!---->\n                      <div class=\"\">\n                        <p>Recovery of interest, fees and charges not due, nullity of unfair terms, sham arrangements disguised as regular agreements.<\/p>\n                      <\/div>\n                    <\/div>\n                  <\/div>\n                <\/div>\n              <\/div>\n              <div class=\"h-column h-column-container d-flex h-col-lg-6 h-col-md-6 h-col-6 style-1557-outer style-local-837-c35-outer\">\n                <div data-colibri-id=\"837-c35\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-1 v-inner-lg-1 v-inner-md-1 v-inner-1 style-1557 style-local-837-c35 position-relative\">\n                  <!---->\n                  <!---->\n                  <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                    <!---->\n                    <div data-colibri-id=\"837-c36\" class=\"h-global-transition-all h-heading style-1558 style-local-837-c36 position-relative h-element\">\n                      <!---->\n                      <div class=\"h-heading__outer style-1558 style-local-837-c36\">\n                        <!---->\n                        <!---->\n                        <h5 class=\"\">Reports to the Central Credit Register and credit bureaus<\/h5>\n                      <\/div>\n                    <\/div>\n                    <div data-colibri-id=\"837-c37\" class=\"h-text h-text-component style-1559 style-local-837-c37 position-relative h-element\">\n                      <!---->\n                      <!---->\n                      <div class=\"\">\n                        <p>Removal or challenge of adverse entries, and of reports sent late or not in line with the rules.<\/p>\n                      <\/div>\n                    <\/div>\n                  <\/div>\n                <\/div>\n              <\/div>\n              <div class=\"h-column h-column-container d-flex h-col-lg-6 h-col-md-6 h-col-6 style-1560-outer style-local-837-c38-outer\">\n                <div data-colibri-id=\"837-c38\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-1 v-inner-lg-1 v-inner-md-1 v-inner-1 style-1560 style-local-837-c38 position-relative\">\n                  <!---->\n                  <!---->\n                  <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n                    <!---->\n                    <div data-colibri-id=\"837-c39\" class=\"h-global-transition-all h-heading style-1561 style-local-837-c39 position-relative h-element\">\n                      <!---->\n                      <div class=\"h-heading__outer style-1561 style-local-837-c39\">\n                        <!---->\n                        <!---->\n                        <h5 class=\"\">Analysis of the intermediary\u2019s conduct<\/h5>\n                      <\/div>\n                    <\/div>\n                    <div data-colibri-id=\"837-c40\" class=\"h-text h-text-component style-1562 style-local-837-c40 position-relative h-element\">\n                      <!---->\n                      <!---->\n                      <div class=\"\">\n                        <p>Assessment of compliance with the duties of transparency, fairness, loyalty and diligence that apply to banking and financial contracts.<\/p>\n                      <\/div>\n                    <\/div>\n                  <\/div>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n    <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1563-outer style-local-837-c41-outer\">\n      <div data-colibri-id=\"837-c41\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-1 v-inner-lg-1 v-inner-md-1 v-inner-1 style-1563 style-local-837-c41 position-relative\">\n        <!---->\n        <!---->\n        <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-center align-self-md-center align-self-center\">\n          <!---->\n          <div data-colibri-id=\"837-c42\" class=\"h-global-transition-all h-heading style-1564 style-local-837-c42 position-relative h-element\">\n            <!---->\n            <div class=\"h-heading__outer style-1564 style-local-837-c42\">\n              <!---->\n              <!---->\n              <h3 class=\"\">Against large institutions you need method, not improvisation.<\/h3>\n            <\/div>\n          <\/div>\n          <div data-colibri-id=\"837-c43\" class=\"d-block style-1565 style-local-837-c43 position-relative h-element\">\n            <!---->\n            <div class=\"h-image__frame-container-outer\">\n              <div class=\"h-image__frame-container\">\n                <!---->\n                <!---->\n                <img fetchpriority=\"high\" decoding=\"async\" width=\"1708\" height=\"1707\" src=\"https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/07\/cropped-pexels-pavel-danilyuk-8112121-scaled-2.jpg\" class=\"wp-image-840 style-1565-image style-local-837-c43-image\" alt=\"\" srcset=\"https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/07\/cropped-pexels-pavel-danilyuk-8112121-scaled-2.jpg 1708w, https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/07\/cropped-pexels-pavel-danilyuk-8112121-scaled-2-300x300.jpg 300w, https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/07\/cropped-pexels-pavel-danilyuk-8112121-scaled-2-100x100.jpg 100w, https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/07\/cropped-pexels-pavel-danilyuk-8112121-scaled-2-1024x1024.jpg 1024w, https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/07\/cropped-pexels-pavel-danilyuk-8112121-scaled-2-150x150.jpg 150w, https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/07\/cropped-pexels-pavel-danilyuk-8112121-scaled-2-768x768.jpg 768w, https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/07\/cropped-pexels-pavel-danilyuk-8112121-scaled-2-1536x1536.jpg 1536w\" sizes=\"(max-width: 1708px) 100vw, 1708px\" \/>\n                <div class=\"h-image__frame style-1565-frameImage style-local-837-c43-frameImage\"><\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<div data-colibri-id=\"837-c44\" class=\"h-row-container gutters-row-lg-2 gutters-row-md-2 gutters-row-0 gutters-row-v-lg-2 gutters-row-v-md-2 gutters-row-v-2 style-1599 style-local-837-c44 position-relative\">\n  <!---->\n  <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-2 gutters-col-md-2 gutters-col-0 gutters-col-v-lg-2 gutters-col-v-md-2 gutters-col-v-2\">\n    <!---->\n    <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1600-outer style-local-837-c45-outer\">\n      <div data-colibri-id=\"837-c45\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-2 h-px-md-2 h-px-2 v-inner-lg-2 v-inner-md-2 v-inner-2 style-1600 style-local-837-c45 position-relative\">\n        <!---->\n        <!---->\n        <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n          <!---->\n          <div data-colibri-id=\"837-c46\" class=\"h-global-transition-all h-heading style-1598 style-local-837-c46 position-relative h-element\">\n            <!---->\n            <div class=\"h-heading__outer style-1598 style-local-837-c46\">\n              <!---->\n              <!---->\n              <h4 class=\"\">You can request a technical consultation on your banking relationship.\n                <br>The documents will be analysed from a legal and accounting perspective to understand whether there are defects, grounds for liability or scope for defensive action.<\/h4>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<\/div>\n<\/div>\n<div data-colibri-component=\"section\" data-colibri-id=\"837-c47\" id=\"features\" class=\"h-section h-section-global-spacing d-flex align-items-lg-center align-items-md-center align-items-center style-1566 style-local-837-c47 position-relative\">\n  <!---->\n  <!---->\n  <div class=\"h-section-grid-container h-section-boxed-container\">\n    <div data-colibri-id=\"837-c73\" class=\"h-row-container gutters-row-lg-2 gutters-row-md-2 gutters-row-0 gutters-row-v-lg-2 gutters-row-v-md-2 gutters-row-v-2 style-1583 style-local-837-c73 position-relative\">\n      <!---->\n      <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-2 gutters-col-md-2 gutters-col-0 gutters-col-v-lg-2 gutters-col-v-md-2 gutters-col-v-2\">\n        <!---->\n        <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1584-outer style-local-837-c74-outer\">\n          <div data-colibri-id=\"837-c74\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-2 h-px-md-2 h-px-2 v-inner-lg-2 v-inner-md-2 v-inner-2 style-1584 style-local-837-c74 position-relative\">\n            <!---->\n            <!---->\n            <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n              <!---->\n              <div data-colibri-id=\"837-c75\" class=\"h-global-transition-all h-heading style-1585 style-local-837-c75 position-relative h-element\">\n                <!---->\n                <div class=\"h-heading__outer style-1585 style-local-837-c75\">\n                  <!---->\n                  <!---->\n                  <h3 class=\"\">Technical litigation requires document analysis<\/h3>\n                <\/div>\n              <\/div>\n              <div data-colibri-id=\"837-c76\" class=\"h-lead h-text h-text-component style-1586 style-local-837-c76 position-relative h-element\">\n                <!---->\n                <!---->\n                <div class=\"\">\n                  <p>Each position is analysed starting from the documents available:\n                    <br>contract, bank statements, amortisation schedule, correspondence.\n                    <br> The approach involves:<\/p>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n    <div data-colibri-id=\"837-c48\" class=\"h-row-container gutters-row-lg-1 gutters-row-md-1 gutters-row-2 gutters-row-v-lg-1 gutters-row-v-md-1 gutters-row-v-2 style-1567 style-local-837-c48 position-relative\">\n      <!---->\n      <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-center align-items-md-center align-items-center gutters-col-lg-1 gutters-col-md-1 gutters-col-2 gutters-col-v-lg-1 gutters-col-v-md-1 gutters-col-v-2\">\n        <!---->\n        <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto align-self-lg-center align-self-md-center align-self-center style-1568-outer style-local-837-c49-outer\">\n          <div data-colibri-id=\"837-c49\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-2 v-inner-lg-1 v-inner-md-1 v-inner-2 style-1568 style-local-837-c49 position-relative\">\n            <!---->\n            <!---->\n            <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n              <!---->\n              <div data-colibri-id=\"837-c50\" class=\"h-text h-text-component style-1569 style-local-837-c50 position-relative h-element\">\n                <!---->\n                <!---->\n                <div class=\"\">\n                  <p>I.<\/p>\n                <\/div>\n              <\/div>\n              <div data-colibri-id=\"837-c51\" class=\"h-icon style-1570 style-local-837-c51 position-relative h-element\">\n                <!----><span class=\"h-svg-icon h-icon__icon style-1570-icon style-local-837-c51-icon\"><!--Icon by Icons8 Line Awesome (https:\/\/icons8.com\/line-awesome)--><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"binoculars\" viewbox=\"0 0 512 545.5\"><path d=\"M176 112c29.713 0 53.785 20.558 61 48h38c7.215-27.442 31.287-48 61-48 31.48 0 56.644 23.064 62 53 30.428 7.807 56.326 27.65 68 56v.5l.5.5L503 324c5.795 13.502 9 28.423 9 44 0 61.666-50.334 112-112 112-55.546 0-101.847-40.826-110.5-94-8.688 8.553-20.476 14-33.5 14s-24.813-5.447-33.5-14c-8.653 53.174-54.954 94-110.5 94C50.334 480 0 429.666 0 368c0-17.54 4.253-34.19 11.5-49l34-95.5h.5c11.496-31.205 37.775-50.882 68-58.5 5.356-29.936 30.52-53 62-53zm0 32c-19.043 0-32 12.957-32 32v14.5l-14.5 1.5c-24.565 2.586-44.21 17.225-53.5 42v.5L64 267c14.557-6.945 30.852-11 48-11 46.792 0 86.797 29.08 103.5 70 8.577-13.29 23.658-22 40.5-22s31.923 8.71 40.5 22c16.703-40.92 56.708-70 103.5-70 17.38 0 33.794 4.377 48.5 11.5l-12-34c-.14-.34-.354-.662-.5-1-9.246-21.422-29.724-37.997-53.5-40.5l-14.5-1.5V176c0-19.043-12.957-32-32-32s-32 12.957-32 32v16h-96v-16c0-19.043-12.957-32-32-32zm-64 144c-32.328 0-59.852 19.073-72.5 46.5-.28.606-.235 1.387-.5 2-4.2 9.743-7 20.17-7 31.5 0 44.372 35.628 80 80 80s80-35.628 80-80-35.628-80-80-80zm288 0c-44.372 0-80 35.628-80 80s35.628 80 80 80 80-35.628 80-80-35.628-80-80-80zm-144 48c-9.026 0-16 6.974-16 16s6.974 16 16 16 16-6.974 16-16-6.974-16-16-16z\"><\/path><\/svg><\/span><\/div>\n              <div\n                data-colibri-id=\"837-c52\" class=\"h-global-transition-all h-heading style-1571 style-local-837-c52 position-relative h-element\">\n                <!---->\n                <div class=\"h-heading__outer style-1571 style-local-837-c52\">\n                  <!---->\n                  <!---->\n                  <h4 class=\"\">checking for contractual defects or financial wrongdoing<\/h4>\n                <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto align-self-lg-center align-self-md-center align-self-center style-1568-outer style-local-837-c53-outer\">\n        <div data-colibri-id=\"837-c53\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-2 v-inner-lg-1 v-inner-md-1 v-inner-2 style-1568 style-local-837-c53 position-relative\">\n          <!---->\n          <!---->\n          <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n            <!---->\n            <div data-colibri-id=\"837-c54\" class=\"h-text h-text-component style-1572 style-local-837-c54 position-relative h-element\">\n              <!---->\n              <!---->\n              <div class=\"\">\n                <p>II.<\/p>\n              <\/div>\n            <\/div>\n            <div data-colibri-id=\"837-c55\" class=\"h-icon style-1570 style-local-837-c55 position-relative h-element\">\n              <!----><span class=\"h-svg-icon h-icon__icon style-1570-icon style-local-837-c55-icon\"><!--Icon by Font Awesome (https:\/\/fontawesome.com)-->\n    <svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"black-tie\" viewbox=\"0 0 1536 1896.0833\">\n      <path d=\"M0 128h1536v1536H0V128zm1085 1115L864 612l221-297H451l221 297-221 631 317 304z\"><\/path>\n    <\/svg><\/span><\/div>\n            <div data-colibri-id=\"837-c56\" class=\"h-global-transition-all h-heading style-1571 style-local-837-c56 position-relative h-element\">\n              <!---->\n              <div class=\"h-heading__outer style-1571 style-local-837-c56\">\n                <!---->\n                <!---->\n                <h4 class=\"\">preparing an expert report with the support of a financial and accounting expert<\/h4>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto align-self-lg-center align-self-md-center align-self-center style-1568-outer style-local-837-c57-outer\">\n        <div data-colibri-id=\"837-c57\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-2 v-inner-lg-1 v-inner-md-1 v-inner-2 style-1568 style-local-837-c57 position-relative\">\n          <!---->\n          <!---->\n          <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n            <!---->\n            <div data-colibri-id=\"837-c58\" class=\"h-text h-text-component style-1573 style-local-837-c58 position-relative h-element\">\n              <!---->\n              <!---->\n              <div class=\"\">\n                <p>III.<\/p>\n              <\/div>\n            <\/div>\n            <div data-colibri-id=\"837-c59\" class=\"h-icon style-1570 style-local-837-c59 position-relative h-element\">\n              <!----><span class=\"h-svg-icon h-icon__icon style-1570-icon style-local-837-c59-icon\"><!--Icon by Socicon (http:\/\/www.socicon.com)--><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 1500 1500\">\n\n<path d=\"M799.805 922.852c-14.648 11.719-32.227 20.508-49.805 20.508s-35.156-8.789-49.805-20.508l-700.195-571.289v899.414h1500v-899.414zM750 750c14.648 0 29.297-5.859 41.016-14.648l594.727-486.328h-1271.484l594.727 486.328c11.719 8.789 26.367 14.648 41.016 14.648z\"><\/path>\n<\/svg>\n<\/span><\/div>\n            <div data-colibri-id=\"837-c60\" class=\"h-global-transition-all h-heading style-1571 style-local-837-c60 position-relative h-element\">\n              <!---->\n              <div class=\"h-heading__outer style-1571 style-local-837-c60\">\n                <!---->\n                <!---->\n                <h4 class=\"\">handling the out-of-court phase (formal notices, negotiations)<\/h4>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto align-self-lg-center align-self-md-center align-self-center style-1568-outer style-local-837-c61-outer\">\n        <div data-colibri-id=\"837-c61\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-2 v-inner-lg-1 v-inner-md-1 v-inner-2 style-1568 style-local-837-c61 position-relative\">\n          <!---->\n          <!---->\n          <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n            <!---->\n            <div data-colibri-id=\"837-c62\" class=\"h-text h-text-component style-1574 style-local-837-c62 position-relative h-element\">\n              <!---->\n              <!---->\n              <div class=\"\">\n                <p>IV.<\/p>\n              <\/div>\n            <\/div>\n            <div data-colibri-id=\"837-c63\" class=\"h-icon style-1570 style-local-837-c63 position-relative h-element\">\n              <!----><span class=\"h-svg-icon h-icon__icon style-1570-icon style-local-837-c63-icon\"><!--Icon by Icons8 Line Awesome (https:\/\/icons8.com\/line-awesome)--><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"legal\" viewbox=\"0 0 512 545.5\"><path d=\"M255.5 57.5l11 11 48 48.5 11.5 11-11.5 11.5-4.5 4.5 89.5 89 4.5-4.5 11.5-11 11 11 48 48.5 11.5 11-11.5 11.5-112 112-11 11.5-11.5-11.5-48-48-11.5-11.5 11.5-11 5.5-5.5-33-33-189 189-23-23 189-189L208 246l-5.5 5.5-11 11.5-11.5-11.5-48-48-11.5-11.5 11.5-11L244 68.5zm0 45L166 192l25.5 25.5L281 128zM288 167l-57 57 89 89 57-57zm127.5 95.5L411 267l-85 85 25.5 25.5L441 288z\"><\/path><\/svg><\/span><\/div>\n            <div\n              data-colibri-id=\"837-c64\" class=\"h-global-transition-all h-heading style-1571 style-local-837-c64 position-relative h-element\">\n              <!---->\n              <div class=\"h-heading__outer style-1571 style-local-837-c64\">\n                <!---->\n                <!---->\n                <h4 class=\"\">preparing the defence or the court action<\/h4>\n              <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n    <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto align-self-lg-center align-self-md-center align-self-center style-1575-outer style-local-837-c65-outer\">\n      <div data-colibri-id=\"837-c65\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-1 h-px-md-1 h-px-1 v-inner-lg-1 v-inner-md-1 v-inner-1 style-1575 style-local-837-c65 position-relative\">\n        <!---->\n        <!---->\n        <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n          <!---->\n          <div data-colibri-id=\"837-c66\" class=\"h-text h-text-component style-1576 style-local-837-c66 position-relative h-element\">\n            <!---->\n            <!---->\n            <div class=\"\">\n              <p>V.<\/p>\n            <\/div>\n          <\/div>\n          <div data-colibri-id=\"837-c67\" class=\"h-icon style-1577 style-local-837-c67 position-relative h-element\">\n            <!----><span class=\"h-svg-icon h-icon__icon style-1577-icon style-local-837-c67-icon\"><!--Icon by Icons8 Line Awesome (https:\/\/icons8.com\/line-awesome)--><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"money\" viewbox=\"0 0 512 545.5\"><path d=\"M447 108l12 68h-32.5l-5.5-31-181 31H50.5zM32 192h448v256H32V192zm79 32c.533 2.603 1 5.238 1 8 0 22.092-17.908 40-40 40-2.762 0-5.396-.467-8-1v98c2.603-.533 5.238-1 8-1 22.092 0 40 17.908 40 40 0 2.762-.467 5.396-1 8h290c-.533-2.603-1-5.238-1-8 0-22.092 17.908-40 40-40 2.762 0 5.396.467 8 1v-98c-2.603.533-5.238 1-8 1-22.092 0-40-17.908-40-40 0-2.762.467-5.396 1-8H111zm145 16c43.993 0 80 36.007 80 80s-36.007 80-80 80-80-36.007-80-80 36.007-80 80-80zm0 32c-26.7 0-48 21.3-48 48s21.3 48 48 48 48-21.3 48-48-21.3-48-48-48z\"><\/path><\/svg><\/span><\/div>\n          <div\n            data-colibri-id=\"837-c68\" class=\"h-global-transition-all h-heading style-1578 style-local-837-c68 position-relative h-element\">\n            <!---->\n            <div class=\"h-heading__outer style-1578 style-local-837-c68\">\n              <!---->\n              <!---->\n              <h4 class=\"\">Recovering the sums unlawfully paid<\/h4>\n            <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<\/div>\n<div data-colibri-id=\"837-c69\" class=\"h-row-container gutters-row-lg-2 gutters-row-md-2 gutters-row-0 gutters-row-v-lg-2 gutters-row-v-md-2 gutters-row-v-2 style-1579 style-local-837-c69 position-relative\">\n  <!---->\n  <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-2 gutters-col-md-2 gutters-col-0 gutters-col-v-lg-2 gutters-col-v-md-2 gutters-col-v-2\">\n    <!---->\n    <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1580-outer style-local-837-c70-outer\">\n      <div data-colibri-id=\"837-c70\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-2 h-px-md-2 h-px-2 v-inner-lg-2 v-inner-md-2 v-inner-2 style-1580 style-local-837-c70 position-relative\">\n        <!---->\n        <!---->\n        <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-start align-self-md-start align-self-start\">\n          <!---->\n          <div data-colibri-id=\"837-c71\" class=\"h-x-container style-1581 style-local-837-c71 position-relative h-element\">\n            <!---->\n            <div class=\"h-x-container-inner style-dynamic-837-c71-group style-1581-spacing style-local-837-c71-spacing\"><span class=\"h-button__outer style-1582-outer style-local-837-c72-outer d-inline-flex h-element\"><a h-use-smooth-scroll=\"true\" href=\"https:\/\/www.studiobarnaba.it\/en\/metodo\/\"  data-colibri-id=\"837-c72\" class=\"d-flex w-100 align-items-center h-button justify-content-lg-center justify-content-md-center justify-content-center style-1582 style-local-837-c72 position-relative\"><!----><!----> <span>DISCOVER THE METHOD<\/span><\/a>\n              <\/span>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<\/div>\n<\/div>\n<div data-colibri-component=\"section\" data-colibri-id=\"837-c77\" id=\"about\" class=\"h-section h-section-global-spacing d-flex align-items-lg-center align-items-md-center align-items-center style-1587 style-local-837-c77 position-relative\">\n  <!---->\n  <!---->\n  <div class=\"h-section-grid-container h-section-boxed-container\">\n    <!---->\n    <div data-colibri-id=\"837-c78\" class=\"h-row-container gutters-row-lg-2 gutters-row-md-2 gutters-row-2 gutters-row-v-lg-2 gutters-row-v-md-2 gutters-row-v-2 style-1588 style-local-837-c78 position-relative\">\n      <!---->\n      <div class=\"h-row justify-content-lg-center justify-content-md-center justify-content-center align-items-lg-stretch align-items-md-stretch align-items-stretch gutters-col-lg-2 gutters-col-md-2 gutters-col-2 gutters-col-v-lg-2 gutters-col-v-md-2 gutters-col-v-2\">\n        <!---->\n        <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1589-outer style-local-837-c79-outer\">\n          <div data-colibri-id=\"837-c79\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-2 h-px-md-2 h-px-2 v-inner-lg-2 v-inner-md-2 v-inner-2 style-1589 style-local-837-c79 position-relative\">\n            <!---->\n            <!---->\n            <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-center align-self-md-center align-self-center\">\n              <!---->\n              <div data-colibri-id=\"837-c80\" class=\"h-global-transition-all h-heading style-1590 style-local-837-c80 position-relative h-element\">\n                <!---->\n                <div class=\"h-heading__outer style-1590 style-local-837-c80\">\n                  <!---->\n                  <!---->\n                  <h5 class=\"\">You can request a technical consultation on your banking relationship<\/h5>\n                <\/div>\n              <\/div>\n              <div data-colibri-id=\"837-c81\" class=\"h-global-transition-all h-heading style-1591 style-local-837-c81 position-relative h-element\">\n                <!---->\n                <div class=\"h-heading__outer style-1591 style-local-837-c81\">\n                  <!---->\n                  <!---->\n                  <h3 class=\"\">To receive assistance with banking disputes, you can book a consultation.<\/h3>\n                <\/div>\n              <\/div>\n              <div data-colibri-id=\"837-c82\" class=\"h-text h-text-component style-1592 style-local-837-c82 position-relative h-element\">\n                <!---->\n                <!---->\n                <div class=\"\">\n                  <p>Online or in the office, the appointment makes it possible to analyse the documents and assess together whether there are grounds for action.<\/p>\n                <\/div>\n              <\/div>\n              <div data-colibri-id=\"837-c83\" class=\"h-text h-text-component style-2810 style-local-837-c83 position-relative h-element\">\n                <!---->\n                <!---->\n                <div class=\"\">\n                  <p>Question: Can I challenge the interest on a loan or mortgage? Answer: Yes, where the conditions are met: usurious rates, interest not agreed in writing or stated vaguely, an incorrect APR, unlawful capitalisation of interest, fees and insurance not due. The Firm examines the contract and the history of the relationship, with a technical expert if necessary, before advising any action. Question: I have received a payment injunction from a bank. Can I defend myself? Answer: Yes. An opposition can be filed within 40 days if the claim is unfounded or the documents are inadequate. The Firm analyses the papers and, if there are valid grounds, prepares the opposition. Question: The bank has frozen my account: can I challenge it? Answer: It depends on the reason for the freeze. If it is an enforcement measure (e.g. a garnishment), the lawfulness of the measure can be checked and, where the conditions are met, formal defects, excesses or procedural errors can be raised. In other cases, such as a freeze for anti-money laundering reasons or irregularities, targeted and timely technical action is needed. Question: I signed a contract with the bank without understanding all the clauses: can I challenge it? Answer: If the bank did not provide the information required by the transparency rules, or if the contract contains unfair, disproportionate or non-negotiated terms, partial nullity or the intermediary\u2019s liability can be assessed. Each position is analysed on the basis of the contract and of the information documents signed or omitted.<\/p>\n                <\/div>\n              <\/div>\n              <div data-colibri-id=\"837-c84\" class=\"h-x-container style-1593 style-local-837-c84 position-relative h-element\">\n                <!---->\n                <div class=\"h-x-container-inner style-dynamic-837-c84-group style-1593-spacing style-local-837-c84-spacing\"><span class=\"h-button__outer style-1594-outer style-local-837-c85-outer d-inline-flex h-element\"><a h-use-smooth-scroll=\"true\" href=\"https:\/\/www.studiobarnaba.it\/en\/consulenza-legale-online\/\"  data-colibri-id=\"837-c85\" class=\"d-flex w-100 align-items-center h-button justify-content-lg-center justify-content-md-center justify-content-center style-1594 style-local-837-c85 position-relative\"><!----><!----> <span>Book a CONSULTATION<\/span><\/a>\n                  <\/span>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n        <div class=\"h-column h-column-container d-flex h-col-lg-auto h-col-md-auto h-col-auto style-1595-outer style-local-837-c86-outer\">\n          <div data-colibri-id=\"837-c86\" class=\"d-flex h-flex-basis h-column__inner h-px-lg-2 h-px-md-2 h-px-2 v-inner-lg-2 v-inner-md-2 v-inner-2 style-1595 style-local-837-c86 position-relative\">\n            <!---->\n            <!---->\n            <div class=\"w-100 h-y-container h-column__content h-column__v-align flex-basis-100 align-self-lg-center align-self-md-center align-self-center\">\n              <!---->\n              <div data-colibri-id=\"837-c87\" class=\"d-block style-1596 style-local-837-c87 position-relative h-element\">\n                <!---->\n                <div class=\"h-image__frame-container-outer\">\n                  <div class=\"h-image__frame-container\">\n                    <!---->\n                    <!---->\n                    <img decoding=\"async\" width=\"2560\" height=\"1709\" src=\"https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/07\/pexels-mikhail-nilov-8730998-scaled.jpg\" class=\"wp-image-238 style-1596-image style-local-837-c87-image\" alt=\"\" srcset=\"https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/07\/pexels-mikhail-nilov-8730998-scaled.jpg 2560w, https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/07\/pexels-mikhail-nilov-8730998-300x200.jpg 300w, https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/07\/pexels-mikhail-nilov-8730998-1024x684.jpg 1024w, https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/07\/pexels-mikhail-nilov-8730998-768x513.jpg 768w, https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/07\/pexels-mikhail-nilov-8730998-1536x1025.jpg 1536w, https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/07\/pexels-mikhail-nilov-8730998-2048x1367.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\n                    <div class=\"h-image__frame h-hide-sm style-1596-frameImage style-local-837-c87-frameImage\"><\/div>\n                  <\/div>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>In collaborazione con: Studio Avv. Carlo Capone Conti correnti, mutui, finanziamenti: quando la [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/full-width-page.php","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-837","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"Usury, compound interest, payment injunctions, Central Credit Register reports: review of bank contracts and defence against banks and lenders.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"google-site-verification\" content=\"6WVxFYwGUPhHUxWYLjfTVOQ_Q8ixDRQGqAT3H0wuBUk\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.studiobarnaba.it\/en\/contenzioso-bancario-e-finanziario\/\" \/>\n\t\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.3\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_GB\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Studio Legale Barnab\u00e0 | Il diritto come strumento, non come ostacolo.\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Banking and Financial Disputes in Italy | Studio Legale Barnab\u00e0\" \/>\n\t\t<meta property=\"og:description\" content=\"Usury, compound interest, payment injunctions, Central Credit Register reports: review of bank contracts and defence against banks and lenders.\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/www.studiobarnaba.it\/en\/contenzioso-bancario-e-finanziario\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/07\/Studio_Legale_Barnaba.png\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/07\/Studio_Legale_Barnaba.png\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2025-08-05T09:35:00+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2026-10-18T12:56:09+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"Banking and Financial Disputes in Italy | Studio Legale Barnab\u00e0\" \/>\n\t\t<meta name=\"twitter:description\" content=\"Usury, compound interest, payment injunctions, Central Credit Register reports: review of bank contracts and defence against banks and lenders.\" \/>\n\t\t<meta name=\"twitter:image\" content=\"https:\/\/www.studiobarnaba.it\/wp-content\/uploads\/2025\/07\/Studio_Legale_Barnaba.png\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.studiobarnaba.it\\\/en\\\/contenzioso-bancario-e-finanziario\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.studiobarnaba.it\\\/en\\\/#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.studiobarnaba.it\\\/en\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.studiobarnaba.it\\\/en\\\/contenzioso-bancario-e-finanziario\\\/#listItem\",\"name\":\"Contenzioso Bancario e Finanziario\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.studiobarnaba.it\\\/en\\\/contenzioso-bancario-e-finanziario\\\/#listItem\",\"position\":2,\"name\":\"Contenzioso Bancario e Finanziario\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.studiobarnaba.it\\\/en\\\/#listItem\",\"name\":\"Home\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.studiobarnaba.it\\\/en\\\/#organization\",\"name\":\"Studio Legale Barnab\\u00e0\",\"description\":\"Lo Studio Legale Barnab\\u00e0 fornisce assistenza e consulenza legale in ambito civile, bancario, tributario, esecutivo e nella gestione della crisi d\\u2019impresa. 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