National Financial Helpline — Legal Consulting on Financial Disputes

Legal Consulting on Financial Disputes

Information and advisory services in the field of consumer finance protection, chargeback procedures, and complaints addressed to financial regulators in the European Union and the United States.

The initial consultation is informational in nature and does not constitute legal representation.

About the Company

National Financial Helpline is an international team of attorneys and consultants specializing in consumer finance law, payment disputes, and communication with regulators.

Advisory Approach

We evaluate the prospects of an application to a bank or regulator and explain the available legal mechanisms within the applicable law.

International Practice

We work with EU regulations (PSD2, consumer protection directives) and US law (Regulation E, the Fair Credit Billing Act).

Transparent Terms

Cooperation terms are set out in a written agreement. The cost of services is discussed before any work begins.

Confidentiality

Processing of personal data complies with the requirements of GDPR and applicable data-protection laws.

How the Consultation Works

A transparent process with no hidden conditions.

Request

You provide your contact details and a brief description of your situation through the form on the website.

Initial Call

A specialist contacts you to clarify the circumstances and assess the applicable legal procedures.

Written Opinion

Where appropriate, we prepare an information memo describing the available mechanisms to protect your rights.

Engagement

If ongoing support is required, we enter into a written agreement setting out the scope of services.

Practice Areas

We provide consultations across the following categories of financial matters.

Chargeback Procedures

Guidance on the procedure for disputing transactions through the card-issuing bank in accordance with Visa and Mastercard rules and applicable law.

Regulatory Complaints

Consulting on how to submit complaints to national financial regulators in the EU (BaFin, AMF, CySEC, CNMV) and the US (SEC, CFTC, FTC).

Consumer Rights Protection

Information on applicable EU directives and US legislation regarding the protection of financial-services consumers.

Pre-litigation Resolution

Assistance with drafting formal demand correspondence addressed to financial institutions and payment systems.

Documentation Support

Organization of documents, correspondence, and transaction records for subsequent use within legal procedures.

GDPR Guidance

Consulting on the rights of data subjects in the context of financial services operating within the EU jurisdiction.

Our Attorneys

A team with formal education and practical experience in financial law.

Alexander Kowalski

Senior Partner

Education: University of Vienna (Faculty of Law), London School of Economics (LL.M.).

Focus: resolution of financial disputes, private international law.

Languages: English, German, Russian.

Anastasia Fuchs

Payment Disputes Expert

Education: Université Paris 1 Panthéon-Sorbonne, King's College London (LL.M. Financial Law).

Focus: chargeback procedures, rules of the Visa and Mastercard payment systems.

Languages: English, French, Russian.

Anatoly Antonov

Regulatory Practice Expert

Education: University of Amsterdam, LL.M. in European Law.

Focus: submissions to EU financial regulators, compliance matters.

Languages: English, Dutch, Russian.

Frequently Asked Questions

Answers to the most common questions about our services.

Do you guarantee a result?

No. No legal services provider is in a position to guarantee the outcome of a matter, the recovery of funds, or specific timelines. We offer information and advisory services and explain the applicable legal mechanisms. Final decisions on applications are made by banks, payment systems, and regulators.

How much does a consultation cost?

The cost of the initial consultation and any further support is discussed on an individual basis and set out in a written agreement. We do not charge hidden fees. All payment terms are disclosed before any work begins.

What documents are needed for a consultation?

For a substantive discussion we typically require: transaction confirmations (bank statements, receipts), correspondence with the counterparty, documents confirming the terms on which services were provided, and any other materials relevant to the situation.

Do you work with clients from the EU and the US?

Yes. Our focus is on legal mechanisms applicable in EU and US jurisdictions, including EU directives on the protection of financial-services consumers and the corresponding US legislation.

How do you protect my data?

We process personal data in accordance with GDPR and applicable data-protection laws. Full details are set out in our Privacy Policy.

Are you a law firm?

National Financial Helpline provides information and advisory services. For specific procedures requiring representation by a licensed attorney in court, we cooperate with licensed legal representatives in the relevant jurisdictions.