Make your EU bank take the complaint seriously.

Answer 5 questions and generate a formal complaint to your bank. Where the dispute concerns a payment service, it is titled under the Payment Services Directive (PSD2) so the statutory 15 business-day response clock is clearly triggered — and if the bank misses the deadline or responds unsatisfactorily, the letter sets up a free escalation via FIN-NET to your national financial ombudsman. It frames FIN-NET as a strong, free escalation path, not a guaranteed outcome.

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