What to do if the Financial is not competent to decide your dispute? 

Courts of law
Czech telecommunication office
Legal counsel
Civic Associations (NGOs)
Financial market supervision 
Consumer protection
Pension companies and pension funds supervision
Personal data protection
Criminal prosecutions

Courts of law 

In general, anyone who finds himself/herself harmed as to his/her rights shall be entitled to file a lawsuit with the courts of the Czech Republic (website available in Czech only). In such case it is indispensable to take into account the costs of the court proceedings. Although, in principle, the costs of the proceedings shall be borne by the losing party the amount of the reimbursement of costs that can be adjudicated to the successful party is governed by legislation and it do not cover any fee for legal counsel if higher that the prescribed fees.

Czech Telecommunication Office 

The Czech Telecommunication Office is authorized to decide disputes between the telecommunication service users and telecommunication service providers. You may address it e.g. if you disagree with the bill issued by the telecommunication service provider. Contact details: address Sokolovská 219, Prague 9, P.O.Box 02, 225 02 Prague 025, Czech Republic, tel.: +420 224 004 111, e-mail: podatelna@ctu.cz.

Legal counsel

In complicated disputes it is recommendable to hire a legal counsel. The Register of Attorneys maintained by the Czech Bar Association can be found here. In justified cases you may use the free of charge consultancy services of the Czech Bar Association (please verify the availability of this service in English with the Czech Bar Association).

 

Civic Associations (NGOs) 

You may also use services of one of the Civic Associations providing legal consultancy free of charge. Contact details of such Civic Associations are to be found on the internet, however please make sure that the entity you found does indeed provide its services free of charge.

You may find links to websites of several Civic Associations who cooperate with the consumers in the matters concerning financial market here.

Financial market supervision 

The Czech National Bank (hereinafter referred to as “the CNB”) is charged with the supervision over the financial market in the Czech Republic. The initiative to investigate activities of a specific supervised entity may be filed under Sec. 42 of the Administrative Procedure Code with the Department of Supervision of the Financial Market. The CNB is, however, not authorized to decide disputes between private individuals/entities or to provide a legally binding assessment of the existence of rights and duties following from a private legal relationship. Based on a filed initiative, the CNB is nevertheless authorized to make an investigation, or to commence administrative proceedings to impose sanctions on a supervised entity. The CNB shall, upon a request of the complainant, inform the complainant of the results of the investigation, including whether the administrative proceedings have been commenced, within 30 days of receiving the initiative. Contact details of the CNB : address Na Příkopě 28, 110 00 Prague 1, Czech Republic, tel. +420 224 411 111, e-mail: info@cnb.cz.

Consumer protection 

The Czech Trade Inspection Authority (hereinafter referred to as “the CTIA”) is charged with the control and supervision over the legal entities and individuals in relation to the purchase of good and provision of services, including control and supervision over the persons who provide consumer credits. Contact details: address: Štěpánská 567/15, 120 00 Prague, Czech Republic, tel. +420 296 366 360, e-mail: info@coi.cz. As well as the CNB, the CTIA is not entitled to decide your dispute with the institution; nevertheless it may investigate whether the Act No. 634/1992 Coll., on Consumer Protection, as amended, or another statute governing the consumer credit has been breached.

Pension companies and pension funds supervision 

The Ministry of Finance , Section 36 – Financial Market Supervision Department, is charged with the supervision over the pension companies funds in relation to providing and management of the government contribution to building savings. Contact details: address Letenská 15, 118 10 Prague 1, Czech Republic, tel. +420 257 04 11 11, e-mail: podatelna@mfcr.cz. As well as the CNB, the Ministry of Finance is not authorized to decide disputes between private individuals/entities.

Personal data protection 

The Office for Personal Data Protection (hereinafter referred to as “the Office”) is charged with the supervision over the personal data collection and processing pursuant to Sec. 2 of the Act on Protection of Personal Data. Contact details: address Pplk. Sochora 27, 170 00 Prague 7, Czech Republic, tel. +420 234 665 555, e-mail: posta@uoou.cz. You may file an initiative with the Office to investigate whether some person collected and/or processed your personal data in compliance with the law. As well as the CNB, the Office is not authorized to decide disputes between private individuals/entities; nevertheless it is authorized to make an investigation whether the law has been breached in the specific case, or to impose a sanction.

Criminal prosecutions 

If there is a suspicion that a crime has been committed it is recommendable to address the Police of the Czech Republic. The Public Prosecutor’s Office may be addressed as well.

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