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COVID-19 EMERGENCY

We would like to inform our kind clientele that, in view of the health emergency in progress, as a precautionary measure, the MCE Locam S. p. A. branches will be temporarily closed.

 In line with Government decrees and in order to contain the spread of the COVID-19 virus, we invite you to visit the Branch only if strictly necessary and only by appointment.

 We have prepared the FAQ that can be consulted below to help our customers and our interlocutor companies. We will periodically update the FAQ and all the contents of this page. 

We do everything we can to be close to you even in a moment of physical distance.

FAQ

Frequently Asked Questions

Ultimo Aggiornamento 15 Aprile 2020

I have secured salary loan in progress, can I suspend the payroll deduction?

The measures adopted to date by the Italian Government do not provide for "the suspension of repayments of loans resulting from the salary secured salary loan”;.
However, Presidential Decree 180/1950, which governs the transfer of one-fifth of the salary, provides that: ‘[. . . ] where the salary or wages subject to transfer are reduced by no more than one-third, the retention shall continue to be made to the extent established. Where the reduction is more than one third, the deduction may not exceed one fifth of the reduced salary or salary [. . . ]’.
For the above, if you are affected by a redundancy fund measure, which should affect more than 1/3 of your salary, your employer may send the relevant notice via pec to: mediocreditoeuropeo. servicing@pec. it.
In this case the deduction will be reduced or suspended depending on the measure of reduction of salary itself, without prejudice to any queuing of instalments at the end of the repayment plan, according to the terms of the loan agreement signed.

I have been laid off (Covid-19) and I have a salary secured loan in progress, can I suspend the deduction from my salary?

The measures adopted to date by the Italian Government do not provide for "the suspension of repayments of loans resulting from the salary secured salary loan”;.
However, Presidential Decree 180/1950, which governs the transfer of one-fifth of the salary, provides that: ‘[. . . ] where the salary or wages subject to transfer are reduced by no more than one-third, the retention shall continue to be made to the extent established. Where the reduction is more than one third, the deduction may not exceed one fifth of the reduced salary or salary [. . . ]’.
For the above, if you are affected by a redundancy fund measure, which should affect more than 1/3 of your salary, your employer may send the relevant notice via pec to: mediocreditoeuropeo. servicing@pec. it.
In this case the deduction will be reduced or suspended depending on the measure of reduction of salary itself, without prejudice to any queuing of instalments at the end of the repayment plan, according to the terms of the loan agreement signed.

I'm retired and I have a salary secured loan, can I suspend the withholding on my pension?

The measures adopted to date by the Italian Government do not provide for "the suspension of repayments of loans resulting from the salary secured loan of the pension”.

How can I get liquidity if I already have financing in place?

You can contact us by calling 800. 153. 153. Operators will assess your financial position and provide you with all the information you need. We remind you that if you have a loan against the assignment of the fifth/pension or a loan with proxy, it will not be possible to proceed with the renewal before 40% of the original duration has elapsed.

Pensando possa essere di interesse ti segnaliamo che il Ministero dell’Economia e delle Finanze ha messo a disposizione dei cittadini una sezione del proprio sito dedicata ai provvedimenti economici assunti dal Governo per contrastare l’emergenza sanitaria.
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Nel caso non avessi trovato la risposta al tuo quesito puoi contattarci mezzo e-mail all’indirizzo: servicing@mcelocam.com  o telefonicamente al numero 06.68445.1 ed al numero verde 800.153.153. I nostri operatori sono a tua disposizione dal Lunedì al Venerdì dalle ore 09.00 alle ore 18.00.

 

Qualora tu sia in procinto di uscire di casa ti ricordiamo di portare con te il modello di autocertificazione del Ministero dell’Interno e scaricabile cliccando qui.