SCPA CAMPAN & TIMONEAFinancial-Banking Law
Banking and financial law focuses on the contractual relationship between creditors and borrowers. In all financial transactions, the main objective is to negotiate and manage this relationship to ensure that the interests of the represented party are met both legally and commercially.
A banking and finance lawyer represents either the borrower or the lender, and most of their role will focus on the transactional elements of arranging transactions.
Regardless of the specific area of banking and finance, banking and finance lawyers provide support in negotiating, structuring and managing financial arrangements, as well as conducting due diligence.
A banking and finance lawyer will need to balance compliance by complying with all applicable laws and regulations (which are often in multiple jurisdictions) and mediate the parties, helping them reach mutually satisfactory terms.
Another element of a banking and finance lawyer’s role is to take an active interest in future trends that may influence a transaction. After applying analytical fact-checking and close attention to detail, a banking and finance lawyer must then be able to communicate the information in a clear and succinct manner.
Campan & Timonea's area of expertise consists of:
- Representation and assistance to clients before banking institutions, litigation in banking law
- Advice on unfair terms in credit contracts.
- Legal assistance and representation in lawsuits concerning the annulment of unfair clauses in credit contracts and the restitution of amounts wrongfully collected by the bank.
- Legal assistance and representation in lawsuits concerning the freezing (stabilization) of the exchange rate in credit agreements and the restitution of amounts resulting from exchange rate differences overcharged by the bank.
- Legal assistance and representation in proceedings concerning the updating with the inflation index of the sums by which the consumer has been injured, the legal interest on the sums by which the consumer has been injured, as well as other legal expenses arising from consumer protection proceedings
- Legal assistance and representation in the bank foreclosure procedure
- Legal assistance and representation in the enforcement procedure by debt recovery companies
- Legal assistance and representation in litigation concerning the appeal against execution
- Legal assistance and representation in the negotiation and conclusion of credit contracts
- Legal assistance and representation regarding the renegotiation of clauses in credit agreements
- Legal assistance and representation in the procedure of payment in lieu of payment
- Legal assistance and representation in the procedure of suspension of the bank’s right to foreclosure
- Legal assistance and representation for consumer protection
Lawyers with over 16 years of experience, specializing in the most important areas of law, we offer personalized legal services based on the client’s needs, for individuals and legal entities.
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VAT ID (CUI) RO32357347
Registered Office: 21 Mihai Veliciu Street, Apt 1
Cluj-Napoca, 400423, Cluj, Romania
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