Lo Studio Cappuccio has been advising banks and individuals on current accounts and bank financing for years. The following aspects are usually analysed:
- compliance with and the legality of the contractual conditions;
- the possible application of usurious rates;
- presence of subjective usury as envisaged by the L. 108/96;
- the unlawful charging of anatocistic interest;
- analysis of solving and restoring remittances ante CICR Resolution of 9.2.2000;
- the correct application of maximum overdraft fees;
- the possible application of maximum overdraft fees below the usury threshold;
- compliance with the regulations on the application of the Maximum Overdraft Fee;
- the correct application and legitimacy of other charges agreed upon in the contract;
- compliance with existing legislation and case law.
We reiterate that unlike other firms convicted of reckless litigation, our firm does not provide misleading opinions, but carries out a truthful and transparent analysis in order to show the real situation to the client. At the same time, Studio Cappuccio also deals with analysis on mortgages, of derivatives analysis and of analysis on unit-linked policies.
To whom our current account analysis service is addressed
- Entrepreneurs in possession of account statements with debit (negative) balances
- Individuals with negative account statements (negative balances)
- Subjects subject to.Injunction Decree
- Person about to be subjected to an injunction order
- Persons in difficulty in repaying bank debts
- People who want to reconcile terms with the bank
- People who think they pay too much in relation to their loans
- Travel agencies
- Restaurants
- Building contractors
- Real estate developers
- Nautical entrepreneurs
- Shipowners
Bank account analysis: documentation required for analysis purposes
For the purposes of analysing the current account, it is necessary to acquire the following documentation, in particular:
- quarterly scalar account statements;
- current account opening contract;
- any overdraft resolutions;
- variations in contractual conditions;
- proposals for unilateral amendments to the contract.
It is also possible to carry out a bank irregularity check on positions that have already been closed. In this regard, it is emphasised that, for the purposes of the statute of limitations, the account must have been closed for a period not exceeding ten years from the date of analysis.
Over the past ten years, the firm has realised analysis of bank appraisals and financial services for major credit institutions, law firms and the Civil and Criminal Court of Rome.
