The Financial Arbitrator is not competent to decide disputes between creditors or intermediaries and consumers if the dispute has not arisen in connection with offering, providing or mediation of the consumer credit.

The Financial Arbitrator is not competent to decide the following disputes:

  • disputes concerning credit agreements not governed by the statutes on consumer credits,
  • disputes concerning insurance agreements (except for the life insurance agreements), even if the insurance has been provided by the person who provided or mediated credit to the complainant at the same time,
  • disputes concerning purchase contracts, even if the price has been covered by a credit,
  • disputes concerning contracts to make up work, even if the price has been covered by the credit specifically granted for that purpose,
  • protection of personality, even if the dispute arose between the creditor and debtor,
  • inheritance disputes, even if any related obligations have been covered by a credit,
  • disputes between the owners of flat units or between the Owners Associations and their members,
  • disputes between a husband and wife concerning the settlement of the common property, even if obligations following from the credit agreements form a part of the common property.

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