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Our service is free of charge

HFO can deal with

HFO examines impartially, confidentially and free of charge:

  • disputes arising from the provision of banking and investment services from banks or investment companies based in Greece, between individuals and companies (with annual turnover of up to 1 million Euro ) or associations.

  • disputes regarding electronic contracts for the provision of banking and investment products and services through the EU’s ODR platform

  • cross-border disputes, within its jurisdiction, as a member of the Financial Dispute Resolution Network FIN-NET. (FIN-NET)

HFO cannot deal with or ceases to examine disputes:

  • if the customer did not attempt to contact thebank or investment company, concerned in order to discuss his complaint and seek, as a first step, to resolve the matter directly with the service provider

  • if the dispute or the broader issue that is part of, is being or has previously been considered by a court or by another ADR entity (e.g. the Hellenic Consumers’ Ombudsman)

  • if the customer has not submitted the complaint to HFO within one (1) year from the date upon which he/she submitted the complaint to the bank or investment company

  • if the dispute is frivolous or vexatious

  • if dealing with such a type of dispute would seriously impair the effective operation of HFO