Age Discrimination Loan Complaint

It sounds like you have taken important initial steps. Given that you haven't received a response for 6 months, you might consider the following steps:
- Follow-Up: Contact both the Human Rights Ombudsman and the Financial Ombudsman to request an update on your case.
- Legal Advice: Consult with a lawyer specializing in discrimination or banking law in Cyprus for further assistance.
Would you like more information on how to contact a specialized lawyer in Nicosia?

The Ombudsman typically investigates complaints and mediates to resolve disputes but does not usually take direct legal action.
- You may need to take legal action yourself or with the help of a lawyer.
- Consider consulting a lawyer specializing in discrimination or banking law to explore legal options.
Would you like more details on lawyers in Nicosia who can assist you?

I understand your concerns about time and cost. Here are a few steps you could consider:
- Follow-Up: Contact the Human Rights Ombudsman and Financial Ombudsman again to expedite your complaint.
- Alternative Resolution: Seek mediation or arbitration, which might be quicker and less costly than court proceedings.
Would you like more information on mediation services in Nicosia?

Mediation can be a quicker and more cost-effective way to resolve disputes:
- Mediation is a voluntary process where a neutral third party helps the disputing parties reach a mutually agreeable solution.
- It is typically faster and less expensive than going to court.
- Mediation services are often available through legal aid organizations or private mediators.
Would you like contact information for mediation services in Nicosia?

Mediation services can be a good option for you. Here are some details for mediation services in Nicosia:

Would you like more information on how the mediation process works?

Yes, you can escalate your issue to the European Commission. Here are the steps:
- EU Commission Complaint: Submit a complaint to the European Commission about the violation of EU laws.
- SOLVIT Network: Contact SOLVIT, a service provided by the national administration in each EU country, to help resolve issues with public authorities.
- European Ombudsman: File a complaint with the European Ombudsman regarding maladministration by EU institutions.
Would you like more details on how to proceed with any of these options?

Given the specifics of your situation, I would recommend starting with the European Ombudsman for the maladministration issue, as it could address the lack of response from the Ombudsman. Additionally, submitting a complaint to the European Commission about the violation of EU laws could be a strong step.
Would you like more details on how to proceed with the European Ombudsman?

To proceed with the European Ombudsman:
- European Ombudsman Complaint: You can file a complaint online through the European Ombudsman's website.
- Required Information: Prepare a detailed account of your issue, including the lack of response from the Cypriot Ombudsman and the discrimination based on age.
- Supporting Documents: Attach any relevant documents, such as your initial complaint and any correspondence.
Would you like more information on how to file the complaint online?

To file a complaint with the European Ombudsman, follow these steps:
*. Visit the European Ombudsman's website: [European Ombudsman Website](https://www.ombudsman.europa.eu/en/home).
*. Click on "Make a complaint."
*. Fill in the online complaint form with details of your issue, including:
- Lack of response from Cypriot Ombudsman
- Discrimination based on age
- Any relevant documents
Would you like more information on the specific details needed for the complaint form?

To file a complaint with the European Commission, follow these steps:
*. Visit the European Commission's website: [European Commission Complaints](https://ec.europa.eu/info/about-european-union_en).
*. Click on "Make a complaint."
*. Fill out the complaint form, detailing:
- Violation of EU laws
- Discrimination based on age
- Any supporting documents
Would you like more information on the specific details needed for the complaint form?

To file a complaint with the European Commission, you need the following details:
*. Personal Information: Your name, address, and contact details.
*. Description: A clear description of the issue, including how the Cypriot bank discriminated against you based on age.
*. Relevant Laws: Mention the specific EU laws violated (e.g., Article * of the Cypriot Constitution, EU Directives, Charter of Fundamental Rights of the EU).
*. Supporting Documents: Attach any relevant documents, such as your initial complaint and any correspondence with the bank and Ombudsman.
Would you like assistance in drafting your complaint description?

Your chances could be strong, given that age discrimination is a significant issue. However, outcomes depend on the specifics and evidence provided. The timeline can vary; investigations and resolutions may take several months to more than a year. Would you like assistance in drafting your complaint description to strengthen your case?

Here is a draft for your complaint description to the European Commission:
---
Subject: Complaint Regarding Age Discrimination by Cypriot Bank
Description:
I am filing this complaint to address the discrimination I faced from a Cypriot bank solely based on my age. Despite meeting all the necessary criteria for a bank loan, my application was denied explicitly due to my age, which violates several fundamental rights and EU laws.
Relevant Laws Violated:
- Article * of the Cypriot Constitution
- EU Directives on Equal Treatment
- Article * and * of the Charter of Fundamental Rights of the European Union
- European Convention on Human Rights
Supporting Documents:
*. Initial loan application and rejection letter from the bank.
*. Correspondence with the Human Rights Ombudsman and Financial Ombudsman.
*. Any other relevant communication or documentation supporting my claim.
Details:
Despite my efforts to seek redress, including writing to the Human Rights Ombudsman and Financial Ombudsman, I have not received any response for over six months. This delay exacerbates the issue and violates the principles of good administration.
I seek the European Commission's intervention to address this discrimination and ensure compliance with EU laws and directivesWould you like any changes or additional details in this draft?

Here is the revised draft for your complaint description to the European Commission:
---
Subject: Complaint Regarding Age Discrimination by Cypriot Banks
Description:
I am filing this complaint to address the discrimination I faced from Cypriot banks solely based on my age. Despite meeting all the necessary criteria for a bank loan, my applications were denied explicitly due to my age, which violates several fundamental rights and EU laws.
Relevant Laws Violated:
- Article * of the Cypriot Constitution
- EU Directives on Equal Treatment
- Articles * and * of the Charter of Fundamental Rights of the European Union
- European Convention on Human Rights
Supporting Documents:
*. Correspondence with the Human Rights Ombudsman and Financial Ombudsman.
*. Any other relevant communication or documentation supporting my claim.
Details:
Despite my efforts to seek redress, including writing to the Human Rights Ombudsman and Financial Ombudsman, I have not received any response for over six months. Additionally, multiple banks have indicated directly and through their websites that they do not provide mortgages to individuals over *. This delay exacerbates the issue and violates the principles of good administration.
I seek the European Commission's intervention to addressthis discrimination and ensure compliance with EU laws and directives.
---
Would you like any additional details or changes in this draft?

If the European Commission's website link is not working, you can try the following options:
*. SOLVIT Network: You can contact SOLVIT, which is a service provided by the national administration in each EU country, to help resolve issues with public authorities.
- SOLVIT Cyprus: [SOLVIT Cyprus](https://ec.europa.eu/solvit/)
*. EU Commission Direct Contact: Contact the European Commission directly via their general contact page to report the issue and seek guidance.
- European Commission Contact Page: [Contact Page](https://ec.europa.eu/info/contact_en)
Would you like more assistance on how to proceed with these options?

You're welcome! If you need further assistance in the future, feel free to reach out. Best of luck with your complaint.