Data collected will be used according to D. Lgs. 196/03. The holder of the treatment is Consultique S.p.A [privacy policy]

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Usury and Compounding

Banking current account analysis focuses on three main factors, which define the correct amount of interest that banks are authorised to charge to their clients.
These factors are:
  • compound interest
  • overdraft interest
  • bank usury
Recalculating capital interest can help to highlight any misappropriated capital amount by the bank which is to the detriment of the client or borrower. Consultique analyses current accounts in each credit category; loan and lease contracts, according to the legislation dictates and the most authoritative doctrinal opinions.
All checks shall be focused on application of usurious interest, commissions which are not due, and compound bank interest, in order to get the refund of amounts unlawfully paid over the years to the bank.

Technical appraisal and analysis can be used both in and out of court, directly in negotiations with lenders (bank or credit institution) thus taking advantage of Consultique’s experience in banking sector management disputes.

Pursuant to article 13 of Regulation (EU) 2016/679, we inform you that your personal data (including: name and surname, city, email, telephone number), freely given by you, will be processed by Consultique SCF S.p.A., as Data Controller, with computerized and manual methods, for purposes related to the management of your information request. The provision of personal data is free, however if you deny to provide your personal data it will not allow our Company to fulfil your request. We also inform you that the personal data that you have freely provided could be communicated to third parties appointed as Data Processor, that supply specific services strictly connected to the achievement of the purposes indicated above. We also inform you that, with your previous consent, your personal data could be used for sending commercial advices and for periodically informing you about the activities and initiatives of Consultique SCF S.p.A. Your personal data will be stored for the period of time strictly necessary for the purposes for which personal data are processed. Your personal data will not be disseminated. Finally, pursuant to articles 15 and following of Regulation (EU) 2016/679, we remind you that for more information, for specific requests or to exercise your rights (access, rectification, erasure, restriction, notification, data portability, objection) you can contact the Data Controller, sending a recorded delivery letter to Consultique SCF S.p.A., Stradone San Fermo n. 22, 37121 – Verona or an e-mail to If you think that the processing of your personal data by the Data Controller has infringed the provision of the Regulation (UE) 2016/679, you can lodge a complaint with a Supervisory Authority.

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