Open Dialogue. On Legal Matters, Arising During Dispute Considerations Between Consumers and Providers of Financial Services

• Issues of legal qualification of the payment made by the insurer under the Mandatory Liability Insurance contract (OSAGO) in cash (insurance compensation or losses).
• Issues of in-kind compensation for various motor vehicle insurance products in the context of a spare parts shortage in the Russian market arising due to international economic sanctions.
• Issues of fulfillment of obligations by insurance companies under life investment insurance contracts in regards to payment of investment income.
• Issues arising during the consideration of disputes between consumers of financial services and credit institutions related to the return of fees (in whole or in part) paid by consumers for providing them with additional services in the conclusion of credit agreements.
• Novel appeals topics received by the Financial Ombudsman in relation to credit institutions due to changes in the economic situation in the country.
• Issues related to the peculiarities of interaction between the Financial Ombudsman Service, financial institutions, and consumers of financial services including the introduction of new and development of existing digital services aimed at simplifying the interaction with the Financial Ombudsman.