1. Member States shall ensure that procedures are
set up which allow payment service users and other interested parties
including consumer associations, to submit complaints to the competent
authorities with regard to payment service providers’ alleged
infringements of this Directive.
2. Where appropriate and without prejudice to the
right to bring proceedings before a court in accordance with national
procedural law, the reply from the competent authorities shall inform
the complainant of the existence of the ADR procedures set up in
accordance with Article 102.