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.

According to D. Lgs. 196/03, the personal data collected will be used only to inform about the activities and initiatives of Consultique SCF S.p.A. and will not be communicated or disclosed to third parties. The providing of personal data is voluntary, but without personal data Consultique SCF S.p.A. will could not provide the services requested. Data subject may exercise its rights under Art. 7, D. Lgs. 196/03. Data Controller is Consultique SCF S.p.A. - Palazzo Candiani-Fagiuoli - Stradone San Fermo 22 - 37121 Verona (Italy).

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