Head office pointed out that the abuse of the banks to customers and so. misseling, or mismatch of financial products to customers’ needs were the cause of the financial crisis in the world
As noted, the issue of fairness in Poland merchant in offering financial services is also a headache. – I can see it not only for loans in Swiss francs, but with insurance with an investment component, known popularly polisolokatami, as well as the non-banking sector loans – said the head of the OCCP.
Self-regulation of the financial sector brings vain effects
Thus, as pointed out, self-regulation of the industry brings quite meager results. He explained that it is not just about filling a recommendation or recommendations of the Financial Supervision Authority, which after all, the main task is to care for the stabilization of the banking sector, but with fair rules of conduct towards clients.
Thus, he said, so the important role of his office and conducted by the proceedings concerning, inter alia, Abusive Clauses, placing clients in an error or a unilateral contract termination.
He recalled that his office has already issued six decisions, with penalties zł 50 million in total, on the so-called. investment policies. He said that for the moment we will learn about the following penalties for these financial products.
Will banks ranking for frankowiczów
Today, the President of the OCCP, together with the Minister of Finance Mateusz Szczurek announced the creation of the ranking of the best banks dealing frankowiczów.
M. Rat: We will check on how banks fulfill their aid declaration frankowiczom
Source: TVN24 Business and World / X-news
M. Rat: We will check on how banks fulfill their aid declaration frankowiczo
Its purpose, as explained by Jasser, check the behavior of banks after January 15, declaring that they will do anything to change the franc as the least painful hit to their customers.
OCCP already checked the conduct of banks on January 15
Jasser said, however, that have already been initiated two screenings, whether banks on January 15 , after the release of the franc, they treated their customers fairly, and not moved excessive costs on to consumers.
He explained that on January 20 banks flowed detailed questionnaire that will be returned to the Office by the end of this week, and on this basis office will determine whether there has been no breaches.
– Most importantly, as emphasized that such offices as the OCCP, respond as soon as possible adverse effects. – They did not wait until the milk spills – Jasser said.
OCCP get new preventive tools, defending consumer
But the operation of the Office shall not fail, Ones guest said.
– are also planned changes in the law, which will facilitate the OCCP preventive measures, explained Adam Jasser. To them it will be the temporary ban on the sale or marketing of a financial product if it is found that it threatens the safety of consumers.
– At this time, we will be able to carry out a detailed analysis of whether or not the law is violated, says Yasser. This will make it dangerous or favorable product will not be allowed on the market.
Another new tool is to be part of the OCCP in lawsuits, brought by injured clients. As explained by Jasser, it’s about expressing so. “Significant judgment on”. – Wyrażalibyśmy its opinion in the case, if it would occur to us by the court, or the injured party – he said.
is an ongoing debate over the system of sanctions imposed by the OCCP
President of the OCCP asked about the desirability of imposing certain sanctions admitted that his Office’s decisions should be understandable to the public and is currently being discussed system of fines imposed by the office.
He explained that in the case of 1372 zł penalty imposed to the company operating the system of mutual donations Apolandia.com called Ponzi scheme, its low height resulted from the small-scale trafficking.
Adam Jasser refused to answer the question, whether led by the office agrees to planned by the government mergers in the energy sector. He explained that it depends on a careful examination of its energy companies conclusions.
In the near future, we have to know the results of the dot. Irregularities in the distribution of coal.
Christopher Rzyman, jk
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