{"id":20470,"date":"2021-10-31T21:00:00","date_gmt":"2021-10-31T20:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=20470"},"modified":"2021-11-03T10:43:57","modified_gmt":"2021-11-03T09:43:57","slug":"help-face-financial-hurdles","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/en\/magazine\/help-face-financial-hurdles\/","title":{"rendered":"We help you face financial hurdles"},"content":{"rendered":"<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><strong>At 11Onze we protect all customers who feel they have been mistreated in their financial management, whether by banks or companies. For this reason, we have activated a complaints protocol and have set up a free legal advice service. Aina Ans\u00f3, from the legal department of 11Onze, explains it to us.<\/strong><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Since El Canut can be downloaded and the first customers have started to activate their accounts on 11Onze,<\/span><b> the fincom has detected that some financial institutions are making it difficult to allow transfers<\/b><span style=\"font-weight: 400;\"> to 11Onze accounts and other financial operations. These obstacles may constitute a violation of the <\/span><a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2007-20555\"><span style=\"font-weight: 400;\">Law on Consumers and Users<\/span><\/a><span style=\"font-weight: 400;\"> and, for this reason, the 11Onze legal department has taken action and has promoted a complaint protocol.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8220;Our protocol is designed for situations in which a client considers that the former financial institution or a company with which they have dealings may be engaging in malpractice,&#8221; explains Ans\u00f3. The legal advisor argues that, on this point, the regulations are clear: if the client believes that any right is being violated, <\/span><b>they have the right to file an out-of-court complain<\/b><span style=\"font-weight: 400;\">t, so that their case can be assessed.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8220;These are always cases in which <\/span><b>institutions or companies do not justify the reasons for this hindrance. They are not transparent<\/b><span style=\"font-weight: 400;\"> with the reasons why they do it,&#8221; he says. Ans\u00f3 also points out that, in the event that financial institutions make difficulties with the <\/span><a href=\"https:\/\/www.11onze.cat\/en\/magazine\/freedom-choose-iban\/\"><span style=\"font-weight: 400;\">IBAN<\/span><\/a><span style=\"font-weight: 400;\">, other legal measures must be taken, as we have explained to 11Onze.\u00a0<\/span><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<div class=\"component gallery\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-lg-10 offset-lg-1\">\n        <div id=\"slider_1\" class=\"carousel slide\" data-wrap=\"false\" data-interval=\"false\">\n          <div class=\"carousel-inner\">\n            <div class=\"carousel-item active\">\n              <img decoding=\"async\" class=\"d-block w-100\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/09\/Aina-Anso\u0301.jpg\" alt=\"\">\n              <div class=\"carousel-caption\">\n                <p><span style=\"font-weight: 400;\">&#8220;The 11Onze legal team has designed an easy and agile procedure to avoid the obstacles of other entities for 11Onze customers&#8221;<\/span><\/p>\n\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><strong>An &#8220;easy and agile&#8221; process<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">And what does this protocol consist of? Ans\u00f3 explains that 11Onze&#8217;s legal department has organised the entire procedure so that it is<\/span><b> &#8220;easy, agile and so that the customer has to do practically nothing&#8221;<\/b><span style=\"font-weight: 400;\">. Thus, a four-step protocol has been established:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><b>First step: the customer&#8217;s notification. <\/b><span style=\"font-weight: 400;\">As soon as the customer feels that his or her consumer rights have been violated, <\/span><b>he or she must inform his or her 11Onze agent<\/b><span style=\"font-weight: 400;\">. The 11Onze agent will send him\/her a basic notification form, which will then be analysed by the legal department.<\/span><\/li>\n<li><b>Second step: fill in the notification form.<\/b><span style=\"font-weight: 400;\"> Once the customer has received the notification form, they will have to fill it in with their personal details, the reason for the complaint, the amount of the claim if necessary, the details of the entity they believe may have committed malpractice, and other information regarding any other complaints they may have made previously. &#8220;Once the client has filled in the document, he or she will send it to his or her 11Onze agent, and the agent will forward it to the legal office,&#8221; Ans\u00f3 summarises.<\/span><\/li>\n<li><b>Third step: the notification form goes to the 11Onze legal department<\/b><span style=\"font-weight: 400;\">. With the notification form in hand, the 11Onze legal department will begin to work with the complaint and draw up a report. All this advice will be provided free of charge. &#8220;In the legal department, <\/span><b>we will validate all the information and take the measures we deem appropriate<\/b><span style=\"font-weight: 400;\">. For example, the drafting of a statement of claim, with all the legal bases that apply,&#8221; says the legal advisor.\u00a0<\/span><\/li>\n<li><b>Step four: the client submits the complaint. <\/b><span style=\"font-weight: 400;\">Once the complaint has been given legal status by the law firm, the relevant documentation will be forwarded to the 11Onze agent, who will forward it to the customer. <\/span><b>The customer only has to send this documentation to the financial institution or company<\/b><span style=\"font-weight: 400;\"> that he or she considers to have violated his or her rights so that the appropriate measures can be taken.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>11Onze is becoming a phenomenon as the first Fintech community in Catalonia. Now, it releases the first version of El Canut, the super app of 11Onze, for <\/b><a href=\"https:\/\/bit.ly\/2YlbZAf\"><b>Android<\/b><\/a><b> and <\/b><a href=\"https:\/\/bit.ly\/Onze-IOS\"><b>Apple<\/b><\/a><b>. El Canut, the first universal account can be opened in Catalan territory.<\/b><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<div class=\"component cards\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-xl-8 offset-xl-2\">\n        <h1>If you liked this article, we recommend you read:<\/h1>\n        <div class=\"cards__wrapper\">\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/en\/?p=20054\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/10\/THUMBNAIL_PDF_APP-800x526.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">11Onze<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>The verification process, now easier<\/strong><\/p>\n              <span class=\"card-time\">1 min read<\/span>\n              <p class=\"card-text small\">When activating El Canut you no longer have to take photos<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/en\/magazine\/freedom-choose-iban\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/09\/THUMBNAIL_DISCRIMINACIO_IBAN-800x579.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Economy<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>The freedom to choose your IBAN<\/strong><\/p>\n              <span class=\"card-time\">5 min read<\/span>\n              <p class=\"card-text small\">The 11Onze super app will allow users to open accounts in other European countries<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/en\/magazine\/spanish-government-seize-savings\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/09\/THUMBNAIL_CALERS_SEMPRE_NOSTRES-800x533.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Economy<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Can the Spanish government seize my savings?<\/strong><\/p>\n              <span class=\"card-time\">5 min read<\/span>\n              <p class=\"card-text small\">The new draft National Security Law opens up&#8230;<\/p>\n            <\/div>\n          <\/div>\n\n              <\/div>\n              <br>\n              <br>\n              <div class=\"cards__wrapper\">\n\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":71,"featured_media":20468,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[1],"tags":[20],"class_list":["post-20470","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-finances"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>We help you face financial hurdles - 11ONZE<\/title>\n<meta name=\"description\" content=\"If you feel your consumer rights have been violated by other banks, please contact us. 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