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You can apply to the Financial System Mediator with requirements for credit transactions.

This page presents the main types of claims for credit services made to the Mediator and the necessary steps to apply to the Mediator.

Below you can find the main types of disputes regarding credit transactions considered by the Mediator. For example, when a financial institution (bank, credit institution or pawnshop)

  • did not proportionally reduce the total cost of the loan.
  • without the consent of the client, he sent his funds to pay off obligations.
  • unreasonably charged fines and penalties.
  • changed the conditions specified in the agreement (interest rate, repayment periods, etc.) without notice in the prescribed manner.
  • unreasonably demanded early repayment of the loan amount and payment of interest.
  • did not properly provide the guarantor with information about the loan obligation (for example, did not notify the guarantor of the existence of the obligation the day before, did not submit the loan repayment schedule), which led to adverse property consequences for the guarantor.

This list is not exhaustive and you can contact the Mediator for other issues related to credit transactions.

What to do if you have a complaint against a financial institution (bank, credit institution or pawnshop)?

Your Steps

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Make a complaint-demand to the financial organization

Before applying to the Mediator, you must make a complaint-demand to the financial organization
Fill in the complaint-demand
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Wait for the response of the financial organization

Maximum 10 business days, in case of the claims against the Credit bureau – 15 business days
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Apply to the Mediator

If you are not satisfied with the response of the financial organization, you can submit a claim to the Mediator

Useful links

Do you have a complaint ․․․ Your Steps Why to apply to the Mediator List of the Financial Organizations Document Templates

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News and Reports

  • “Elite Plaza” Business Center, 7th floor 15 Khorenatsi str., Yerevan 0010, Armenia 
    Tel. (+374 60) 70-11-11 
    E-mail: info@fsm.am