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dissemination of information about protests
is an important and delicate service provided
by the Chambers of Commerce; it is undoubtedly
extremely useful to all businessmen, who
use it in order to avoid making mistakes
in selecting their business partners.
This service, provided by the Chambers
of Commerce, entails obvious advantages
in terms of credit rating, business reputation
and public confidence. Before granting
any line of credit or loan, all credit
institutions ask if the applicant has
been protested.
On the first day of each month, the people
in charge of protests (bailiffs - ufficiali
giudiziari – notaries, and Town
Clerks) send the lists of protests concerning
promissory notes, accepted bills of exchange,
and bank cheques, as well as the lists
of protests relating to non-acceptance
of bills of exchange.
In order to guarantee high business reliability
and transparency, the aforesaid information
is published by the Chamber of Commerce,
inputting all protest-related data in
the relevant computerised filing system
within ten days of receipt of the lists.
In fact, computerisation guarantees full,
equal and timely publication of the relevant
information nationwide. The data concerning
each single protest is stored in the computerised
register for five years.
Should any protest be included by mistake,
the authorised public officials or credit
institutions are to file a de-registration
application. This also applies to anyone
who proves he/she has been arbitrarily
or wrongly protested.
After ascertaining the protest illegitimacy,
the Chairman of the Chamber of Commerce
acts accordingly
.
Any debtor paying a bill of exchange or
promissory note within 12 months of protest,
can ask for de-registration from the computerised
register by filing a formal application
to the person in charge of the Protest
Office, also including the bill of exchange/promissory
note duly marked as paid, and the deed
of protest or the statement indicating
refusal to pay. Should any debtor be unable
to get hold of the bill/note holder, in
order to obtain de-registration, instead
of producing the bill/note marked as paid
he/she can enclose a certificate issued
by a credit institution attesting the
existence of a term bearer deposit equalling
the bill/note. The person in charge of
the Protest Office files a request for
de-registration within twenty days of
application date.
The general public can access the information
about protests contained in the aforesaid
computerised register through terminals
located in the premises of the Chambers
of Commerce, and by using (remote) terminals
connected to InfoCamere.
Anyone can ask to search the Computerised
Register of Protests and obtain certificates
about any search outcomes. Should the
entities investigated have been protested,
said certificates shall also indicate
the relating reasons
.
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