Bank agreements
- Legal review of loan agreements (RON, EUR, CHF)
- Identifying unfair terms (fees, interest, margins)
- Changing how interest is calculated
- Challenging unilateral cost increases
- Assistance in conciliation and mediation with the bank
Protecting consumers in dealings with banks
Banking law
Advice and representation in disputes with credit institutions, with a focus on protecting borrowers' rights and restoring balance to their contracts.
I review your loan agreements, fees and contract terms and propose practical solutions: renegotiation, removal of unfair charges or a litigation strategy.
A clear approach
Every step, in plain language.
Up-to-date case law
Legal and technical arguments.
Clear financial impact
You know the costs before taking any step.
In Iași and online
Support wherever you are.
Banking law services
How I can help
Unfair terms
- Claims to have unfair terms declared null and void
- Recovering sums paid but not owed (fees, interest, penalties)
- Restoring the parties to their previous position
- Challenging addenda signed under pressure or without proper information
- Legacy CHF loan cases, handled pragmatically
Giving in payment
- Assessing eligibility and strategy
- Drafting the notice to the bank
- Representation in the procedure before the notary
- Defending against challenges brought by the bank
- Obtaining the judgment extinguishing your obligations
- Recovering sums paid but not owed once the procedure is complete
Enforcement by banks
- Challenges to enforcement
- Reducing or removing unfair interest or account attachments
- Provisional or final stay of enforcement
- Negotiating amicable solutions with the bank
- Protecting the family home from unlawful enforcement
- More details on the enforcement page
Loan restructuring
- Reviewing restructuring offers
- Renegotiating loan terms
- Protecting borrowers from unfavourable solutions
- Reducing the level of debt
Disputes with the bank
- Defence in claims for outstanding sums
- Challenging acceleration notices
- Challenging contract terms relied on by the bank
- Representation in appeals and second appeals
How I work
A clear, carefully structured legal process
- 01
Initial assessment
We discuss your situation, I review your documents and explain your options.
- 02
Legal strategy
We agree on suitable steps and discuss risks and costs.
- 03
Drafting / representation
I prepare the documents or represent you in negotiations and in court.
- 04
Following progress
I keep you informed and adjust the strategy as your case develops.
Why seek advice
Why do you need a banking law lawyer?
Your relationship with the bank can become complicated when unfair terms, unjustified cost increases or repayment difficulties arise. I build your case on up-to-date case law and technical arguments, so that your rights are protected.
- Legislation and practice change frequently
- Bank agreements can hide risks
- Courts take different approaches to similar cases
- Significant savings
- A clear strategy from the outset
Short answers
Frequently asked questions
More questions? We can discuss your situation.
What is an unfair term?
A term that was not individually negotiated with you and that creates, to your detriment, a significant imbalance between the parties' rights and obligations (Law No. 193/2000). If the court finds a term unfair, it ceases to have effect, and the sums you paid under it can be recovered.
How long do I have to challenge an unfair term?
A claim to have an unfair term declared null and void is not subject to a limitation period. Recovering the sums paid is generally subject to the 3-year limitation period, but the courts interpret differently when it starts to run, and the Court of Justice of the EU has restricted how it can be applied. That is why it is worth having your case reviewed as early as possible.
How much does a case against a bank cost?
Claims brought by consumers against banks to protect their rights are generally exempt from judicial stamp duty (Article 29 of Government Emergency Ordinance No. 80/2013). Depending on the case, notarial costs, court expenses and the lawyer's fee remain, and we agree the fee openly from the outset.
What is giving in payment?
A procedure by which you transfer the mortgaged property to the bank and thereby extinguish the debt under the loan it secures (Law No. 77/2016). It applies to individuals with mortgage loans of no more than EUR 250,000 when granted, begins with a notice sent through a court bailiff, a notary or a lawyer, and the court also examines whether the conditions of hardship (unforeseen change of circumstances) are met.
What can I do if the bank has started enforcement?
You can file a challenge to enforcement, usually within 15 days, and ask for enforcement to be stayed until the challenge is decided. Acting quickly matters, because these deadlines are strict and cannot be extended.
What does an acceleration notice mean?
The bank declares the entire outstanding loan immediately due, usually after missed repayments. The notice can be challenged if it does not comply with the contract or the law, and a prompt review can open the way to renegotiation.
Contact
Let's discuss your case.
Book a consultation and let's find the best solution for your situation together. I am here to listen and to give you the concrete support and professionalism you need.