Functions and attributions of CIAB
Our services
CIAB has the power to settle consumers disputes


What is an alternative dispute resolution?
It is a faster, simpler, friendly and economical way of resolving conflicts.
Arbitration Centers are independent, impartial and specialized entities, that seek to help the consumers and companies in the resolution of consumers disputes. To this end, the Centers resort to mediation, conciliation and arbitration.
In what situations can I use the services of the Consumer Arbitration Court (CIAB)?
Consumers conflicts arising from the acquisition of goods and services up to 30.000 euros.
*CIAB´s intervention always depends on the verification of the competence rules contained in the Law and regulations.
What should I do to initiate an alternative dispute resolution process?
You must ensure that you have tried to resolve your complaint directly with the company.
If the conflict persists, you must gather all documentation and submit a complaint using our form or directly at our facilities.
How to file a consumer complaint?
Use the form to submit the complaint, or go to the CIAB facilities, accompanied by all important documentation.
1
A legal expert (jurist) reviews the complaint and the documentation submitted. Competence is verified, and the process begins with the notification to the company complained of.
2
In the mediation phase, the mediator/legal expert (jurist) will try to resolve the conflict in an amicable way between the consumer and the supplier. If an agreement is reached, the process ends. Otherwise, it will proceed to the conciliation phase. The mediation may be indirect or through a face-to-face meeting.
3
In the conciliation phase, the Arbitrator Judge will attempt to resolve the conflict trough conciliation of the parties. If this is not possible, the process proceeds to the arbitration phase.
4
The arbitration phase consists of a trial, where testimonial and documentary evidence are admitted. The parties may request expert opinions to be carried out by specialized Technicians. The arbitration verdict is equivalent to a first instance decision.



RACE
Banking Consumer Support Network
- Inform bank customers about their rights and duties in the event of a risk of non-compliance with the credit agreement.
- Support the consumer in the proposals presented by credit institutions.
- Accompany bank customers when negotiating with credit institutions, within the scope of regularizing non-compliance situations.
What do they say about CIAB
Testimonials from those who used our services in conflict resolutions
-
“I thank you for the efficiency and professionalism of CIAB´s professionals. It was the first time I used CIAB and I am impressed, in a good way, for the service speed and efficiency.”
António R. -
“I personally want to send a note of praise for the excellent service provided by the CIAB team in my dispute with… for the responsible, professional and quick way in which they approached and handled this matter of mine. Due to your determined commitment, the idea remains that some institutions are worth believing in after all. It’s not all the same. You are different and you make a difference. We are aware that without your intervention this conflict would still be unresolved.”
Francisco M. -
“We are aware that without your intervention this conflict would still be unresolved. Your work and effort are of great comfort for those who are in the same situation as us. Our most sincere thank you.”
Cristina S.


Are you a Company, do you know what Full Membership is?
It’s a simple way for companies to convey trust to consumers
The Consumer Arbitration Court (CIAB) in numbers
Success in resolving your case is just a click away
+ 20000
Complaints
+15000
Resolutions
+ 15000
Participating Companies
Municipalities and Associated Entities