Stichting Klachteninstituut Financiele Dienstverlening (Kifid)

Overview

Info fees

Consumers are not charged a fee for filing a complaint in proceedings before the Ombudsman or the Complaints Committee of the Kifid. Proceedings before the Appeals Committee cost EUR 500.

Companies pay a contribution towards the maintenance of the Kifid. The fixed annual contribution is 40% and the variable contribution is 60%, which depends on the estimated number of complaints filed against the company.

The entity is competent for disputes in the following sectors

• Financial Services
• Financial Services - Payment account and payment services
• Financial Services - Credit (excluding mortgage/home loans)
• Financial Services - Mortgages / Home loans
• Financial Services - Savings
• Financial Services - Other
• Investments, pensions and securities
• Non-life Insurance - Home and property
• Non-life Insurance - Transport
• Non-life Insurance - Travel
• Non-life Insurance - Health, accident and other
• Insurance - Life
• Insurance - Other

Fees to be paid by the consumer

• No

Fees to be paid by the trader

• Yes

Type of fee for the trader

• Fixed fee

Language(s) of the procedure

• Dutch

The procedure is done

• in writing
• orally

Outcome of the procedure

• Binding

Grounds for refusal

• The consumer did not attempt to contact the trader first to try and resolve the matter bilaterally
• The complaint is being or has previously been considered by another dispute resolution body or by a court
• The value of the claim is below or above the required threshold
• The consumer has not submitted the complaint to the dispute resolution body within the required time limit
• Dealing with the dispute will seriously affect the functioning of the dispute resolution body