These are disputes between you and a bank or financier: interest or fees charged outside the agreement, default and rescheduling, enforcement of security and mortgages, account freezes, or a credit-record (SIMAH) listing you believe is wrong. Most turn on how the finance agreement and its annexes are interpreted rather than on the existence of the debt.
Reviewing the finance agreement and recalculating the debt and charges · Negotiating rescheduling or settlement before enforcement · Challenging enforcement of a mortgage or security · Correcting inaccurate credit-record data · Representing businesses in facility and credit-line disputes · Defending bank claims before the Commercial Court or Execution Court.
Personal and real-estate finance debt calculation · Disputes over fees, commissions and late charges · Mortgage enforcement and sale of the secured asset · Bank guarantees and documentary credits · Corporate credit facilities and their sudden withdrawal · Account freezes · Incorrect credit-bureau listings · Leasing finance disputes.
When the bank begins enforcement against a secured asset; when your facilities are withdrawn suddenly and threaten your operations; when you discover charges never disclosed in the agreement; or when a credit listing blocks you from financing despite your payments. Acting before enforcement starts widens your options considerably.
Banking disputes are heard before the authority competent for banking and finance disputes under the prescribed procedure, while enforcement of mortgages and security runs through the Execution Court. Some commercial disputes between businesses and banks go before the Commercial Court depending on their nature.
We start by recalculating the debt from the agreement and the account statements, because this is where most disputes surface: duplicated fees, late charges applied to amounts already paid, or terms never clearly disclosed. We then decide whether a negotiated settlement or a formal challenge is the better route.
Against a bank, speed and documentation decide the outcome: once enforcement begins your options narrow and negotiation gets harder. We intervene early and document every exchange, with fair and competitive fees set by the size of the debt and the complexity of the file.
Yes, where the calculation departs from the agreement or includes undisclosed charges. The challenge is built on a documented recalculation from the account statements.
It depends on the stage of the process and the grounds; acting before sale procedures begin allows wider options such as rescheduling or settlement.
Through a documented objection with the data-issuing body and a request to the financier to correct it, supported by proof of payment or of the registration error.
It depends on the facility agreement and the notice periods it sets; a withdrawal that breaches those terms can be challenged and damages claimed.
Send us your case details on WhatsApp and we will set out the right route and the expected fees before any commitment.
