{"id":2245,"date":"2025-05-07T10:45:25","date_gmt":"2025-05-07T07:45:25","guid":{"rendered":"https:\/\/uatwc.hobis.gr\/hellenic-financial-mediation-centre\/"},"modified":"2025-09-25T13:53:12","modified_gmt":"2025-09-25T10:53:12","slug":"hellenic-financial-mediation-centre","status":"publish","type":"page","link":"https:\/\/hobis.gr\/en\/hellenic-financial-mediation-centre\/","title":{"rendered":"Hellenic Financial Mediation Centre"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2245\" class=\"elementor elementor-2245 elementor-329\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e54fc18 e-flex e-con-boxed e-con e-parent\" data-id=\"e54fc18\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-88e2389 e-con-full e-flex e-con e-child\" data-id=\"88e2389\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71a72a2c elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"71a72a2c\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Would you like to resolve your dispute in one day?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98aa3a9 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"98aa3a9\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17984dc2 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"17984dc2\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Hellenic Financial Mediation Centre (HFMC) can help<\/br><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a450da1 e-con-full e-flex e-con e-child\" data-id=\"a450da1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e64f44 elementor-widget elementor-widget-image\" data-id=\"5e64f44\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"522\" src=\"https:\/\/hobis.gr\/wp-content\/uploads\/2025\/09\/scene-5.png\" class=\"attachment-large size-large wp-image-2344\" alt=\"\" srcset=\"https:\/\/hobis.gr\/wp-content\/uploads\/2025\/09\/scene-5.png 935w, https:\/\/hobis.gr\/wp-content\/uploads\/2025\/09\/scene-5-300x196.png 300w, https:\/\/hobis.gr\/wp-content\/uploads\/2025\/09\/scene-5-768x501.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5386b49 e-flex e-con-boxed e-con e-child\" data-id=\"5386b49\" data-element_type=\"container\" data-settings=\"{&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6daf31f elementor-widget elementor-widget-shortcode\" data-id=\"6daf31f\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a1dfe95 e-flex e-con-boxed e-con e-parent\" data-id=\"a1dfe95\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3e2f6aa e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"3e2f6aa\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a8874a6 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a8874a6\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Immediate Resolution\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8888263 elementor-widget elementor-widget-heading\" data-id=\"8888263\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">We support Mediation under Law 4640\/2019<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-680a2e9 elementor-widget elementor-widget-text-editor\" data-id=\"680a2e9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>HFMC provides specialised, high-level <strong>support services<\/strong> in <strong>Mediation procedures under<\/strong> <a href=\"https:\/\/hobis.gr\/en\/n-4640-2019\/\">Law 4640\/2019<\/a> helping to resolve financial disputes relating to banking, investments, insurance, debt settlement, the registration and cancellation of mortgage lien, the correction of land registry entries, leasing and factoring contacts, commercial disputes, etc.).<\/p><p>This is the second area of operation of the Hellenic Financial Ombudsman and aims to promote the use of <strong>Mediation under Law 4640\/2019<\/strong> in the financial sector so that parties can resolve their disputes <strong>directly<\/strong>, reaching sustainable agreements <strong>at a lower cost<\/strong> than court proceedings.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c3ddf9 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2c3ddf9\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c792db0 elementor-position-left elementor-mobile-position-left elementor-view-default elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"c792db0\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/hobis.gr\/en\/aitisi-parochis-ypostiriktikon-ypiresion-diamesolavisis-ypochreotikis-archikis-synedrias-yas\/neo-aitisi-diamesolavisis-yas-elkechd\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Application for support services to conduct Mediation under Law 4640\/2019 \/ Mandatory Initial Session (M.I.S.) for Mediation under Law 4640\/2019.  4640\/2019\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-file-word\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M369.9 97.9L286 14C277 5 264.8-.1 252.1-.1H48C21.5 0 0 21.5 0 48v416c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48V131.9c0-12.7-5.1-25-14.1-34zM332.1 128H256V51.9l76.1 76.1zM48 464V48h160v104c0 13.3 10.7 24 24 24h104v288H48zm220.1-208c-5.7 0-10.6 4-11.7 9.5-20.6 97.7-20.4 95.4-21 103.5-.2-1.2-.4-2.6-.7-4.3-.8-5.1.3.2-23.6-99.5-1.3-5.4-6.1-9.2-11.7-9.2h-13.3c-5.5 0-10.3 3.8-11.7 9.1-24.4 99-24 96.2-24.8 103.7-.1-1.1-.2-2.5-.5-4.2-.7-5.2-14.1-73.3-19.1-99-1.1-5.6-6-9.7-11.8-9.7h-16.8c-7.8 0-13.5 7.3-11.7 14.8 8 32.6 26.7 109.5 33.2 136 1.3 5.4 6.1 9.1 11.7 9.1h25.2c5.5 0 10.3-3.7 11.6-9.1l17.9-71.4c1.5-6.2 2.5-12 3-17.3l2.9 17.3c.1.4 12.6 50.5 17.9 71.4 1.3 5.3 6.1 9.1 11.6 9.1h24.7c5.5 0 10.3-3.7 11.6-9.1 20.8-81.9 30.2-119 34.5-136 1.9-7.6-3.8-14.9-11.6-14.9h-15.8z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/hobis.gr\/en\/aitisi-parochis-ypostiriktikon-ypiresion-diamesolavisis-ypochreotikis-archikis-synedrias-yas\/neo-aitisi-diamesolavisis-yas-elkechd\/\" >\n\t\t\t\t\t\t\tApplication for support services to conduct Mediation under Law 4640\/2019 \/ Mandatory Initial Session (M.I.S.) for Mediation under Law 4640\/2019.  4640\/2019\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-242f574 elementor-widget elementor-widget-text-editor\" data-id=\"242f574\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Please note that the above application does not constitute a request for recourse to the Mediation procedure or the Mandatory Initial Session (M.I.S.) for Mediation under Law 4640\/2019.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c90c73d e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"c90c73d\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b0cf2c elementor-widget elementor-widget-image\" data-id=\"3b0cf2c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"625\" src=\"https:\/\/hobis.gr\/wp-content\/uploads\/2025\/09\/3.png\" class=\"attachment-large size-large wp-image-2946\" alt=\"\" srcset=\"https:\/\/hobis.gr\/wp-content\/uploads\/2025\/09\/3.png 931w, https:\/\/hobis.gr\/wp-content\/uploads\/2025\/09\/3-300x234.png 300w, https:\/\/hobis.gr\/wp-content\/uploads\/2025\/09\/3-768x600.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7622e18c e-flex e-con-boxed e-con e-parent\" data-id=\"7622e18c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-48f4285f e-grid e-con-full e-con e-child\" data-id=\"48f4285f\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-58bc8a92 e-con-full e-flex e-con e-child\" data-id=\"58bc8a92\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b18b18a elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"2b18b18a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Our services<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21645481 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"21645481\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Specialisation &amp; Organization<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f9c7d9 e-con-full e-flex e-con e-child\" data-id=\"5f9c7d9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55d6a52 elementor-widget elementor-widget-text-editor\" data-id=\"55d6a52\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>HFMC provides its services in accordance with the principles of Mediation under Law 4640\/2019.<\/p><p>We are not involved in resolving the dispute, for which the Mediator chosen by the parties is solely responsible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a56f72 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"0a56f72\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d1578bb e-con-full e-grid e-con e-child\" data-id=\"7d1578bb\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5cf7cdac e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"5cf7cdac\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:300,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5fce3a43 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5fce3a43\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"icon icon-users2\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a28e711 elementor-widget elementor-widget-icon-box\" data-id=\"4a28e711\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tChoice of Mediator\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tYou have the option of choosing an experienced, specialised, accredited Mediator from the '<b>List of Trained Financial Mediators<\/b>' held by HFMC.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-269e73be e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"269e73be\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:300,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f1bfa54 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"4f1bfa54\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\" icon_building\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53b3cade elementor-widget elementor-widget-icon-box\" data-id=\"53b3cade\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRooms &amp; Equipment\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSpecially designed rooms with modern equipment for the proper conduct of mediation under Law 4640\/2019. Rooms can be used for joint, private (caucus) or preparatory meetings, either in person or remotely, and there are break rooms for coffee breaks and light meals.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6aeab289 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"6aeab289\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:300,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-730afab5 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"730afab5\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" height=\"512\" viewBox=\"0 0 512 512\" width=\"512\"><g><path d=\"m71.308 135.13c1.423 1.588 3.454 2.495 5.586 2.495s4.163-.907 5.586-2.495l14.852-16.576c2.764-3.085 2.504-7.827-.581-10.591-3.085-2.765-7.826-2.503-10.591.581l-9.266 10.342-3.222-3.596c-2.763-3.084-7.504-3.345-10.591-.581-3.085 2.765-3.345 7.506-.581 10.591z\"><\/path><path d=\"m130.498 129.337h22.019c4.143 0 7.5-3.357 7.5-7.5s-3.357-7.5-7.5-7.5h-22.019c-4.143 0-7.5 3.357-7.5 7.5s3.357 7.5 7.5 7.5z\"><\/path><path d=\"m96.75 184.188c-3.085-2.765-7.826-2.503-10.591.581l-9.266 10.342-3.222-3.596c-2.763-3.083-7.504-3.345-10.591-.581-3.085 2.765-3.345 7.506-.581 10.591l8.808 9.83c1.423 1.588 3.454 2.495 5.586 2.495s4.163-.907 5.586-2.495l14.852-16.576c2.764-3.086 2.504-7.828-.581-10.591z\"><\/path><path d=\"m152.517 190.562h-22.019c-4.143 0-7.5 3.357-7.5 7.5s3.357 7.5 7.5 7.5h22.019c4.143 0 7.5-3.357 7.5-7.5s-3.358-7.5-7.5-7.5z\"><\/path><path d=\"m96.75 260.412c-3.085-2.765-7.826-2.503-10.591.581l-9.266 10.342-3.222-3.596c-2.763-3.083-7.504-3.345-10.591-.581-3.085 2.765-3.345 7.506-.581 10.591l8.808 9.83c1.423 1.588 3.454 2.495 5.586 2.495s4.163-.907 5.586-2.495l14.852-16.576c2.764-3.085 2.504-7.827-.581-10.591z\"><\/path><path d=\"m152.517 266.786h-22.019c-4.143 0-7.5 3.357-7.5 7.5s3.357 7.5 7.5 7.5h22.019c4.143 0 7.5-3.357 7.5-7.5s-3.358-7.5-7.5-7.5z\"><\/path><path d=\"m337.252 219.53c-4.143 0-7.5 3.357-7.5 7.5v7.025c0 4.143 3.357 7.5 7.5 7.5s7.5-3.357 7.5-7.5v-7.025c0-4.142-3.357-7.5-7.5-7.5z\"><\/path><path d=\"m388.618 241.556c4.143 0 7.5-3.357 7.5-7.5v-7.025c0-4.143-3.357-7.5-7.5-7.5s-7.5 3.357-7.5 7.5v7.025c0 4.142 3.358 7.5 7.5 7.5z\"><\/path><path d=\"m370.435 416.123c0-4.143-3.357-7.5-7.5-7.5s-7.5 3.357-7.5 7.5v3.509c0 4.143 3.357 7.5 7.5 7.5s7.5-3.357 7.5-7.5z\"><\/path><path d=\"m362.935 438.53c-4.143 0-7.5 3.357-7.5 7.5v3.509c0 4.143 3.357 7.5 7.5 7.5s7.5-3.357 7.5-7.5v-3.509c0-4.142-3.358-7.5-7.5-7.5z\"><\/path><path d=\"m86.159 32.319-9.266 10.342-3.222-3.596c-2.765-3.085-7.506-3.346-10.591-.581s-3.344 7.506-.58 10.591l8.808 9.829c1.423 1.588 3.454 2.495 5.586 2.495s4.163-.907 5.586-2.495l14.852-16.575c2.764-3.085 2.504-7.826-.581-10.591-3.086-2.761-7.827-2.503-10.592.581z\"><\/path><path d=\"m152.517 53.112c4.143 0 7.5-3.357 7.5-7.5s-3.357-7.5-7.5-7.5h-22.019c-4.143 0-7.5 3.357-7.5 7.5s3.357 7.5 7.5 7.5z\"><\/path><path d=\"m328.124 53.112c4.143 0 7.5-3.357 7.5-7.5s-3.357-7.5-7.5-7.5h-144.913c-4.143 0-7.5 3.357-7.5 7.5s3.357 7.5 7.5 7.5z\"><\/path><path d=\"m47.154 463.06h-33.182c-7.704 0-13.972 6.267-13.972 13.97v27.47c0 4.143 3.357 7.5 7.5 7.5s7.5-3.357 7.5-7.5v-26.44h32.154c4.143 0 7.5-3.357 7.5-7.5s-3.357-7.5-7.5-7.5z\"><\/path><path d=\"m498.029 463.06h-43.781v-28.928c0-4.143-3.357-7.5-7.5-7.5s-7.5 3.357-7.5 7.5v28.928h-152.626v-86.022c0-3.494 1.319-6.818 3.716-9.36l13.014-13.806c2.143-2.272 5.017-3.736 8.085-4.159.529 2.489 1.443 4.904 2.731 7.146l19.68 34.27c3.227 5.618 9.123 9.012 15.549 9.012 5.221 0 10.135-2.221 13.54-6.13 3.148 3.615 7.657 5.857 12.62 6.107 6.698.34 13.052-3.038 16.469-8.988l19.681-34.27c1.288-2.242 2.201-4.656 2.73-7.145 3.067.423 5.941 1.887 8.083 4.159l13.015 13.806c2.396 2.542 3.716 5.866 3.716 9.36v28.095c0 4.143 3.357 7.5 7.5 7.5s7.5-3.357 7.5-7.5v-28.095c0-7.335-2.771-14.313-7.801-19.649l-13.014-13.806c-5.325-5.648-12.803-8.916-20.558-8.995-2.388-5.394-6.666-9.813-12.044-12.352l-13.133-6.198v-6.26c1.691-.727 3.344-1.526 4.955-2.394 10.208 11.29 24.915 17.531 40.33 16.889 26.096-1.082 47.702-22.344 49.19-48.404 1.053-18.421-7.873-36.076-23.306-46.137 3.612-10.756 5.374-22.01 5.235-33.451-.647-53.804-44.173-98.005-97.634-99.873v-88.91c0-4.143-3.357-7.5-7.5-7.5h-245.687c-4.143 0-7.5 3.357-7.5 7.5s3.357 7.5 7.5 7.5h238.186v61.225h-306.73v-61.225h39.544c4.143 0 7.5-3.357 7.5-7.5s-3.357-7.5-7.5-7.5h-47.044c-4.143 0-7.5 3.357-7.5 7.5v304.898c0 4.143 3.357 7.5 7.5 7.5h237.12c5.73 2.564 11.988 4.103 18.527 4.374 15.073.631 29.899-5.348 40.331-16.889 1.611.867 3.263 1.666 4.954 2.393v6.26l-13.133 6.198c-5.379 2.538-9.657 6.957-12.045 12.352-7.755.079-15.233 3.347-20.558 8.995l-13.013 13.806c-5.031 5.336-7.802 12.314-7.802 19.649v86.022h-195.467c-4.143 0-7.5 3.357-7.5 7.5s3.357 7.5 7.5 7.5h420.846v26.44c0 4.143 3.357 7.5 7.5 7.5s7.5-3.357 7.5-7.5v-27.47c0-7.701-6.268-13.968-13.971-13.968zm-98.491-121.4c.819 2.61.521 5.354-.842 7.727l-19.681 34.27c-.785 1.366-2.027 1.503-2.708 1.479-.675-.034-1.903-.306-2.546-1.742l-2.551-5.701 12.932-26.573c2.325-4.778 3.555-10.113 3.556-15.431v-3.064l6.73 3.177c2.475 1.166 4.29 3.248 5.11 5.858zm-84.504-89.704v-56.379c15.894-9.474 27.294-4.208 41.604 2.401 14.131 6.527 31.487 14.544 54.198 5.623v48.354c0 26.413-21.488 47.901-47.9 47.901h-.001c-26.413.001-47.901-21.487-47.901-47.9zm36.436-160.731v5.759c-16.69 1.869-32.471 7.813-46.175 17.353h-122.084c-4.143 0-7.5 3.357-7.5 7.5s3.357 7.5 7.5 7.5h104.971c-6.416 7.018-11.741 14.791-15.889 23.112h-227.553v-61.224zm-306.73 76.224h221.537c-2.305 7.444-3.751 15.188-4.285 23.112h-78.782c-4.143 0-7.5 3.357-7.5 7.5s3.357 7.5 7.5 7.5h78.864c.62 7.873 2.153 15.615 4.58 23.112h-221.914zm0 76.225h207.979c-4.705 6.84-7.733 14.772-8.738 23.112h-60.77c-4.143 0-7.5 3.357-7.5 7.5s3.357 7.5 7.5 7.5h61.178c1.531 8.603 5.261 16.51 10.571 23.112h-210.22zm248.768 65.612c-18.479-.767-33.782-15.821-34.836-34.273-.75-13.122 5.636-25.693 16.665-32.808 5.663-3.653 8.11-10.668 5.949-17.061-3.004-8.875-4.527-18.168-4.527-27.622 0-23.114 9.027-44.818 25.42-61.115 53.791-53.477 146.013-15.757 146.927 60.053.117 9.776-1.39 19.385-4.478 28.558-2.18 6.471.249 13.538 5.905 17.187 11.029 7.115 17.415 19.687 16.665 32.809-1.054 18.452-16.355 33.507-34.836 34.273-10.297.4-20.161-3.489-27.321-10.64 12.762-11.52 20.794-28.185 20.794-46.69v-53.619c0-4.01-2.029-7.674-5.429-9.8-3.402-2.127-7.59-2.35-11.199-.594-18.761 9.129-31.515 3.237-46.28-3.583-15.912-7.348-33.947-15.677-57.605-.407-3.312 2.135-5.288 5.768-5.288 9.718v58.285c0 18.506 8.034 35.171 20.797 46.691-7.156 7.155-17.003 11.054-27.323 10.638zm69.428 5.571c3.32 0 6.58-.259 9.763-.757v21.585c-.001 3.057-.707 6.123-2.044 8.869l-7.719 15.862-7.719-15.861c-1.337-2.747-2.043-5.813-2.043-8.869 0-.347-.001-21.459-.001-21.586 3.181.499 6.442.757 9.763.757zm-36.604 26.803c.82-2.61 2.635-4.692 5.109-5.86l6.731-3.177v3.064c0 5.315 1.23 10.651 3.555 15.432l12.932 26.572-2.551 5.701c-.643 1.437-1.871 1.708-2.546 1.742-.685.024-1.924-.112-2.708-1.479l-19.68-34.27c-1.362-2.37-1.661-5.114-.842-7.725z\"><\/path><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11f5daf7 elementor-widget elementor-widget-icon-box\" data-id=\"11f5daf7\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSecretarial support\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tScheduling meetings, confirming the availability of the Mediator, ensuring the proper organisation of the mediation process etc.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5525a237 e-flex e-con-boxed e-con e-parent\" data-id=\"5525a237\" data-element_type=\"container\" id=\"faq-elkexd\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8a700 e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"8a700\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13f711ef elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"13f711ef\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57986491 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"57986491\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financial Mediation under Law 4640\/2019<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4044fe23 e-con-full e-flex e-con e-child\" data-id=\"4044fe23\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b1c2c0f elementor-widget elementor-widget-elementskit-accordion\" data-id=\"7b1c2c0f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69ee85e847b52\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-7b1c2c0f\">\n                        <a href=\"#collapse-1a8861469ee85e847b52\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-1a8861469ee85e847b52\" aria-expanded=\"true\" aria-controls=\"Collapse-1a8861469ee85e847b52\">\n                            \n                            <span class=\"ekit-accordion-title\">What is Mediation under Law 4640\/2019? <\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"lnr lnr-chevron-down\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"lnr lnr-chevron-up\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-1a8861469ee85e847b52\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-7b1c2c0f\" data-parent=\"#accordion-69ee85e847b52\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Mediation is an internationally recognised process in which parties to a private dispute voluntarily seek an out-of-court settlement based on the principles of legality, confidentiality and private autonomy. <\/p>\n<p>In Greece, Mediation is governed by <a href=\"http:\/\/www.diamesolavisi.gov.gr\/sites\/default\/files\/news\/attachments\/n.46402019_0.pdf\" rel=\"nofollow noopener\" target=\"_blank\">Law 4640\/2019 <\/a>and provides an alternative route to justice alongside court proceedings.<\/p>\n<p>With the help of a suitably trained Mediator \u2014 an independent, neutral and impartial third party \u2014 the parties to the dispute can, with the assistance of their legal representative, achieve a mutually beneficial and sustainable solution.<\/p>\n                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-7b1c2c0f\">\n                        <a href=\"#collapse-7de5d8669ee85e847b52\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-7de5d8669ee85e847b52\" aria-expanded=\"false\" aria-controls=\"Collapse-7de5d8669ee85e847b52\">\n                            \n                            <span class=\"ekit-accordion-title\">Why should I choose Mediation under Law 4640\/2019 for my financial disputes? <\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"lnr lnr-chevron-down\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"lnr lnr-chevron-up\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-7de5d8669ee85e847b52\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-7b1c2c0f\" data-parent=\"#accordion-69ee85e847b52\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><strong>Saving time and money<\/strong><\/p>\n<p>The Mediation process is quick, usually taking just one day, and cheaper than court proceedings. This allows the parties to resolve their dispute and get back to business.<\/p>\n<p><strong>Voluntary choice of a sustainable solution<\/strong><\/p>\n<p>In Mediation, the parties come together voluntarily and in good faith to resolve their dispute. If they reach an agreement with the help of the Mediator, it will satisfy the interests of both parties and be sustainable. <\/p>\n<p><strong>Binding and enforceable agreement<\/strong><\/p>\n<p>The agreement resulting from the Mediation process is recorded in the 'Mediation Record' and is legally binding. Furthermore, once filed with the registry of the competent Court, it:<br \/>a) constitutes an enforceable title for the compulsory collection of the claim;<br \/>b) renders the filing of a lawsuit for the same dispute inadmissible to the extent that its subject matter is covered by the agreement of the parties and any pending proceedings are discontinued; and<br \/>c) constitutes a title for the registration or cancellation of a mortgage. If no agreement is reached, the parties may bring the matter before the competent courts at any time.  <\/p>\n<p><strong>Confidentiality, Impartiality and Effectiveness<\/strong><\/p>\n<p>The Mediation process provides a neutral, confidential and impartial environment in which the parties can negotiate and communicate. The parties voluntarily enter into a negotiation process on equal terms. The Mediator, who is mutually accepted by the parties, plays a catalytic role in helping them reach an agreement while acting with neutrality, impartiality and confidentiality. They do not disclose information confidentially disclosed to them by either party to the dispute, nor do they disclose to third parties any information obtained during or in connection with the Mediation, including the fact that it is about to take place or has taken place. The Mediator is a professional with the qualifications specified in Law 4640\/2019. This means that they have received special training and are accredited and registered with the Ministry of Justice. They are also subject to the supervisory and disciplinary control of the Ministry of Justice's Central Mediation Committee. The 'List of Trained Financial Mediators' held by HFMC includes Mediators with significant experience and expertise in the field.     <\/p>\n<p><strong>Maintaining the transactional relationship between the parties<\/strong><\/p>\n<p>Mediation is a civilised option. Unlike court proceedings, Mediation restores mutual trust and helps the parties involved in financial and commercial disputes maintain their transactional relationship. <\/p>\n                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-7b1c2c0f\">\n                        <a href=\"#collapse-90c953c69ee85e847b52\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-90c953c69ee85e847b52\" aria-expanded=\"false\" aria-controls=\"Collapse-90c953c69ee85e847b52\">\n                            \n                            <span class=\"ekit-accordion-title\">What is the Mandatory Initial Session (M.I.S.) for Mediation?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"lnr lnr-chevron-down\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"lnr lnr-chevron-up\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-90c953c69ee85e847b52\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-7b1c2c0f\" data-parent=\"#accordion-69ee85e847b52\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>According to Law 4640\/2019, disputes heard in regular proceedings with a subject matter exceeding \u20ac30,000 are subject to a M.I.S. for Mediation. <\/p>\n<p>During the M.I.S., the parties, in the presence of their lawyers, are informed by the Mediator about the procedure and principles of Mediation, as well as the possibility of settling their dispute out of court based on its specific characteristics. The parties are free to either agree to resolve their dispute through Mediation or disagree. If they disagree, a report must be signed and filed with the relevant court, as this is a prerequisite for the lawsuit to be admissible. <\/p>\n                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-7b1c2c0f\">\n                        <a href=\"#collapse-6b439f869ee85e847b52\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-6b439f869ee85e847b52\" aria-expanded=\"false\" aria-controls=\"Collapse-6b439f869ee85e847b52\">\n                            \n                            <span class=\"ekit-accordion-title\">Pricing of HFMC Mediation Support Services<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"lnr lnr-chevron-down\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"lnr lnr-chevron-up\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-6b439f869ee85e847b52\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-7b1c2c0f\" data-parent=\"#accordion-69ee85e847b52\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><strong>Provision of HFMC Support Services in:<\/strong><\/p>\n<ol>\n<li><strong>Mediation under Law 4640\/2019: \u20ac 90<\/strong><\/li>\n<li><strong>Mandatory Initial Mediation Session (MIM)<\/strong>\n<ul>\n<li>in person:<strong> \u20ac 10 <\/strong> <\/li>\n<li>remotely: <strong>\u20ac 5<\/strong><\/li>\n<\/ul>\n<\/li>\n<li><strong>Consensual registration and elimination of a Mortgage Note<\/strong>\n<ul>\n<li>in person:<strong> \u20ac 10<\/strong><\/li>\n<li>remotely: <strong>\u20ac 5<\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p><em><strong>NOTE: <\/strong>VAT at 24% is added to the above amounts. These amounts are paid by each party to HFMC after a mutually acceptable Mediator has been selected, and are refunded if the Mediation is cancelled.  <\/em><\/p>\n<p><em>The <strong>Mediator's fee<\/strong> is agreed directly between the parties and the Mediator, without the involvement of HFMC.<\/em><\/p>\n                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-7b1c2c0f\">\n                        <a href=\"#collapse-82de2a269ee85e847b52\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-82de2a269ee85e847b52\" aria-expanded=\"false\" aria-controls=\"Collapse-82de2a269ee85e847b52\">\n                            \n                            <span class=\"ekit-accordion-title\">How is the Ombudsman process different from Mediation under Law 4640\/2019?  <\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"lnr lnr-chevron-down\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"lnr lnr-chevron-up\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-82de2a269ee85e847b52\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-7b1c2c0f\" data-parent=\"#accordion-69ee85e847b52\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <table>\n<tbody>\n<tr>\n<th><strong>Institution <\/strong><\/th>\n<th><a href=\"https:\/\/hobis.gr\/en\/\"><strong>HFO <\/strong><\/a><\/th>\n<th><a href=\"https:\/\/hobis.gr\/en\/hellenic-financial-mediation-centre\/\"><strong>HFMC<\/strong><\/a><\/th>\n<\/tr>\n<tr>\n<td><strong> <em>Procedure<\/em><\/strong><\/td>\n<td><strong>Ombudsman<\/strong><\/td>\n<td><strong>Mediation under Law 4640\/2019<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><em>Institutional framework<\/em><\/strong><\/td>\n<td><a href=\"https:\/\/hobis.gr\/en\/joint-ministerial-decision-70330-2015\/\">J.D.M. 70330\/2015<\/a> <\/td>\n<td><a href=\"https:\/\/hobis.gr\/en\/n-4640-2019\/\">Law 4640\/2019<\/a> <\/td>\n<\/tr>\n<tr>\n<td><strong><em>Cost of services<\/em><\/strong><\/td>\n<td>Free<\/td>\n<td>Based on the Pricing of Mediation Support Services. In addition to the Mediator\u2019s fee<\/td>\n<\/tr>\n<tr>\n<td><strong><em>Type of procedure<\/em><\/strong><\/td>\n<td>Written<\/td>\n<td>Mainly oral<\/td>\n<\/tr>\n<tr>\n<td><strong><em>The Financial Ombudsman<\/em><\/strong><\/td>\n<td>The Financial Intermediary<\/td>\n<td>The accredited Mediator selected by the parties<\/td>\n<\/tr>\n<tr>\n<td><strong><em>Representation by a lawyer<\/em><\/strong><\/td>\n<td>Without a lawyer<\/td>\n<td>Representation by a lawyer is mandatory<\/td>\n<\/tr>\n<tr>\n<td><strong><em>Type of disputes<\/em><\/strong><\/td>\n<td>Disputes arising from the provision of banking, investment and other financial services<\/td>\n<td>All private commercialdisputes (e.g. debt settlements, registration and cancellation of mortgage liens, etc.)<\/td>\n<\/tr>\n<tr>\n<td><strong><em>Transacting parties<\/em><\/strong><\/td>\n<td>Individuals and businesses (with an annual turnover of up to \u20ac3,000,000)<\/td>\n<td>Any natural or legal person<\/td>\n<\/tr>\n<tr>\n<td><strong><em>Providers <\/em><\/strong><\/td>\n<td>Only financial service providers participating in the HFO procedure<\/td>\n<td>Any natural or legal person<\/td>\n<\/tr>\n<tr>\n<td><strong><em>Duration <\/em><\/strong><\/td>\n<td>Up to 90 days<\/td>\n<td>1 day<\/td>\n<\/tr>\n<tr>\n<td><strong><em>Outcome<\/em><\/strong><\/td>\n<td>Amicable settlement. A non-binding recommendation may be issued <\/td>\n<td>Binding agreement, which, once filed with the registry of the competent Court, constitutes an enforceable title<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is Mediation under Law 4640\/2019? \",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Mediation is an internationally recognised process in which parties to a private dispute voluntarily seek an out-of-court settlement based on the principles of legality, confidentiality and private autonomy. <\/p>\\n<p>In Greece, Mediation is governed by <a href=\\\"http:\/\/www.diamesolavisi.gov.gr\/sites\/default\/files\/news\/attachments\/n.46402019_0.pdf\\\">Law 4640\/2019 <\/a>and provides an alternative route to justice alongside court proceedings.<\/p>\\n<p>With the help of a suitably trained Mediator \u2014 an independent, neutral and impartial third party \u2014 the parties to the dispute can, with the assistance of their legal representative, achieve a mutually beneficial and sustainable solution.<\/p>\\n\"}},{\"@type\":\"Question\",\"name\":\"Why should I choose Mediation under Law 4640\/2019 for my financial disputes? \",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><strong>Saving time and money<\/strong><\/p>\\n<p>The Mediation process is quick, usually taking just one day, and cheaper than court proceedings. This allows the parties to resolve their dispute and get back to business.<\/p>\\n<p><strong>Voluntary choice of a sustainable solution<\/strong><\/p>\\n<p>In Mediation, the parties come together voluntarily and in good faith to resolve their dispute. If they reach an agreement with the help of the Mediator, it will satisfy the interests of both parties and be sustainable. <\/p>\\n<p><strong>Binding and enforceable agreement<\/strong><\/p>\\n<p>The agreement resulting from the Mediation process is recorded in the 'Mediation Record' and is legally binding. Furthermore, once filed with the registry of the competent Court, it:<br \/>a) constitutes an enforceable title for the compulsory collection of the claim;<br \/>b) renders the filing of a lawsuit for the same dispute inadmissible to the extent that its subject matter is covered by the agreement of the parties and any pending proceedings are discontinued; and<br \/>c) constitutes a title for the registration or cancellation of a mortgage. If no agreement is reached, the parties may bring the matter before the competent courts at any time.  <\/p>\\n<p><strong>Confidentiality, Impartiality and Effectiveness<\/strong><\/p>\\n<p>The Mediation process provides a neutral, confidential and impartial environment in which the parties can negotiate and communicate. The parties voluntarily enter into a negotiation process on equal terms. The Mediator, who is mutually accepted by the parties, plays a catalytic role in helping them reach an agreement while acting with neutrality, impartiality and confidentiality. They do not disclose information confidentially disclosed to them by either party to the dispute, nor do they disclose to third parties any information obtained during or in connection with the Mediation, including the fact that it is about to take place or has taken place. The Mediator is a professional with the qualifications specified in Law 4640\/2019. This means that they have received special training and are accredited and registered with the Ministry of Justice. They are also subject to the supervisory and disciplinary control of the Ministry of Justice's Central Mediation Committee. The 'List of Trained Financial Mediators' held by HFMC includes Mediators with significant experience and expertise in the field.     <\/p>\\n<p><strong>Maintaining the transactional relationship between the parties<\/strong><\/p>\\n<p>Mediation is a civilised option. Unlike court proceedings, Mediation restores mutual trust and helps the parties involved in financial and commercial disputes maintain their transactional relationship. <\/p>\\n\"}},{\"@type\":\"Question\",\"name\":\"What is the Mandatory Initial Session (M.I.S.) for Mediation?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>According to Law 4640\/2019, disputes heard in regular proceedings with a subject matter exceeding \u20ac30,000 are subject to a M.I.S. for Mediation. <\/p>\\n<p>During the M.I.S., the parties, in the presence of their lawyers, are informed by the Mediator about the procedure and principles of Mediation, as well as the possibility of settling their dispute out of court based on its specific characteristics. The parties are free to either agree to resolve their dispute through Mediation or disagree. If they disagree, a report must be signed and filed with the relevant court, as this is a prerequisite for the lawsuit to be admissible. <\/p>\\n\"}},{\"@type\":\"Question\",\"name\":\"Pricing of HFMC Mediation Support Services\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><strong>Provision of HFMC Support Services in:<\/strong><\/p>\\n<ol>\\n<li><strong>Mediation under Law 4640\/2019: \u20ac 90<\/strong><\/li>\\n<li><strong>Mandatory Initial Mediation Session (MIM)<\/strong>\\n<ul>\\n<li>in person:<strong> \u20ac 10 <\/strong> <\/li>\\n<li>remotely: <strong>\u20ac 5<\/strong><\/li>\\n<\/ul>\\n<\/li>\\n<li><strong>Consensual registration and elimination of a Mortgage Note<\/strong>\\n<ul>\\n<li>in person:<strong> \u20ac 10<\/strong><\/li>\\n<li>remotely: <strong>\u20ac 5<\/strong><\/li>\\n<\/ul>\\n<\/li>\\n<\/ol>\\n<p><em><strong>NOTE: <\/strong>VAT at 24% is added to the above amounts. These amounts are paid by each party to HFMC after a mutually acceptable Mediator has been selected, and are refunded if the Mediation is cancelled.  <\/em><\/p>\\n<p><em>The <strong>Mediator's fee<\/strong> is agreed directly between the parties and the Mediator, without the involvement of HFMC.<\/em><\/p>\\n\"}},{\"@type\":\"Question\",\"name\":\"How is the Ombudsman process different from Mediation under Law 4640\/2019?  \",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<table>\\n<tbody>\\n<tr>\\n<th><strong>Institution <\/strong><\/th>\\n<th><a href=\\\"https:\/\/hobis.gr\/en\/\\\"><strong>HFO <\/strong><\/a><\/th>\\n<th><a href=\\\"https:\/\/hobis.gr\/en\/hellenic-financial-mediation-centre\/\\\"><strong>HFMC<\/strong><\/a><\/th>\\n<\/tr>\\n<tr>\\n<td><strong> <em>Procedure<\/em><\/strong><\/td>\\n<td><strong>Ombudsman<\/strong><\/td>\\n<td><strong>Mediation under Law 4640\/2019<\/strong><\/td>\\n<\/tr>\\n<tr>\\n<td><strong><em>Institutional framework<\/em><\/strong><\/td>\\n<td><a href=\\\"https:\/\/hobis.gr\/en\/joint-ministerial-decision-70330-2015\/\\\">J.D.M. 70330\/2015<\/a> <\/td>\\n<td><a href=\\\"https:\/\/hobis.gr\/en\/n-4640-2019\/\\\">Law 4640\/2019<\/a> <\/td>\\n<\/tr>\\n<tr>\\n<td><strong><em>Cost of services<\/em><\/strong><\/td>\\n<td>Free<\/td>\\n<td>Based on the Pricing of Mediation Support Services. In addition to the Mediator\u2019s fee<\/td>\\n<\/tr>\\n<tr>\\n<td><strong><em>Type of procedure<\/em><\/strong><\/td>\\n<td>Written<\/td>\\n<td>Mainly oral<\/td>\\n<\/tr>\\n<tr>\\n<td><strong><em>The Financial Ombudsman<\/em><\/strong><\/td>\\n<td>The Financial Intermediary<\/td>\\n<td>The accredited Mediator selected by the parties<\/td>\\n<\/tr>\\n<tr>\\n<td><strong><em>Representation by a lawyer<\/em><\/strong><\/td>\\n<td>Without a lawyer<\/td>\\n<td>Representation by a lawyer is mandatory<\/td>\\n<\/tr>\\n<tr>\\n<td><strong><em>Type of disputes<\/em><\/strong><\/td>\\n<td>Disputes arising from the provision of banking, investment and other financial services<\/td>\\n<td>All private commercialdisputes (e.g. debt settlements, registration and cancellation of mortgage liens, etc.)<\/td>\\n<\/tr>\\n<tr>\\n<td><strong><em>Transacting parties<\/em><\/strong><\/td>\\n<td>Individuals and businesses (with an annual turnover of up to \u20ac3,000,000)<\/td>\\n<td>Any natural or legal person<\/td>\\n<\/tr>\\n<tr>\\n<td><strong><em>Providers <\/em><\/strong><\/td>\\n<td>Only financial service providers participating in the HFO procedure<\/td>\\n<td>Any natural or legal person<\/td>\\n<\/tr>\\n<tr>\\n<td><strong><em>Duration <\/em><\/strong><\/td>\\n<td>Up to 90 days<\/td>\\n<td>1 day<\/td>\\n<\/tr>\\n<tr>\\n<td><strong><em>Outcome<\/em><\/strong><\/td>\\n<td>Amicable settlement. 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The Hellenic Financial Mediation Centre (HFMC) can help Immediate Resolution We support Mediation under Law 4640\/2019 HFMC provides specialised, high-level support services in Mediation procedures under Law 4640\/2019 helping to resolve financial disputes relating to banking, investments, insurance, debt settlement, the registration and cancellation of [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2245","page","type-page","status-publish","hentry"],"rankMath":{"parentDomain":"hobis.gr","noFollowDomains":[],"noFollowExcludeDomains":[],"noFollowExternalLinks":true,"featuredImageNotice":"The featured image should be at least 200 by 200 pixels to be picked up by Facebook and other social media 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