Pomimo, że prokuratura w Szczecinie od lat prowadzi śledztwo w sprawie nieuczciwej działalności banków w Polsce, nadal prawo jest przez banki łamane, a klienci są wobec tych działań bezradni. Co zrobić, by nieuczciwe banki przestały łamać prawo? Jednym ze sposobów jest poinformowanie o nielegalnych działaniach banków w Polsce Europejski Bank Centralny (European Central Bank) oraz nadzory w poszczególnych krajach, w których siedzibę mają banki-matki banków prowadzących nielegalne działania w Polsce.
Dlaczego warto to zrobić? W większości krajów europejskich zatrudnieni w zarządach banków, który udowodni się łamanie prawa lub nawet są o to posądzani, dostają “wilczy bilet” i nie będą już mogli zajmować wysokich stanowisk w innej firmie z sektora finansowego. Jest to zatem istotny środek motywujący zarządy banków do działań etycznych i zgodnych z prawem. Poinformowanie ECB oraz nadzorów w krajach banków-matek pozwoli wywierać presję poprzez banki-matki na posiadane przez nie banki w Polsce do zaniechania nielegalnych działań w Polsce.
Tuż poniżej przedstawiamy instrukcję jak raportować o nielegalnych działaniach banków-matek do ECB. Pod instrukcją raportowania do ECB znajdują się instrukcje jak raportować do nadzorów w krajach banków matek, by zajęły się nielegalnymi działaniami swoich banków w Polsce.
Raportowanie do ECB
1. Otwórz stronę (najlepiej w przeglądarce Google Chrome)
https://www.bankingsupervision.europa.eu/banking/breach/form/html/index.en.html
2.
3. Wpisz odpowiednio dla Twojego banku następujacy bank-matkę:
- mBank -> COMMERZBANK Aktiengesellschaft
- Bank Millenium S.A.-> Banco Comercial Português, SA
- Santander -> Banco Santander, S.A.
- BNP Paribas -> BNP Paribas S.A.
- ING -> ING Groep N.V.
- Raiffeisen -> Raiffeisen Bank International AG
4.
Tekst do wklejenia (i uzupełnienia nawiasów) do ostatniego pola:
[NAZWA BANKU MATKI TWOJEGO BANKU] operates in Poland via its subsidiary [TWOJ BANK] who in turn has been one of the main providers of toxic financial products known as Swiss-Franc indexed/referencing/linked mortgages. To date [TWOJ BANK] has one of the largest open positions of these toxic financial products and despite their proven illegality does nothing to remedy the situation it has put its clients in. I am one of the numerous victims of the said mis-selling of the toxic financial products by the institution whose parent company you regulate, and as I suspect collusion of the Polish financial regulator KNF with the financial sector they are meant to be regulating I believe that the regulator of the parent company needs to get involved to examine this case properly. This is to do with similar toxic financial instrument reported to you in July 2019 against Commerzbank and its Polish subsidiary mBank under your reference 1132907353.
5.
Najlepiej zaznaczyć pierwszą opcję (na gorze) oraz wysłać kopię umowy pocztą do ECB na wskazany później adres. Jeśli nie zamierzasz wysyłać swojej umowy do ich wglądu, zaznacz opcję 3cią (na dole).
6.
Jeśli uprzednio zgłosiłeś Twój bank do np. Prokuratury/CBA lub KNFu, UOKIK lub innego nadzoru, to zaznacz w pierwszym pytaniu odpowiedz “Yes” oraz wpisz datę i urząd.
7.
Ostatni punkt to Wyłączenie poufności -> trzeba wybrać Yes/Tak lub No/Nie wg swojego uznania.
8.
[WYCIĘTA TREŚĆ FORMULARZA]
Raportowanie BNP Paribas do AMF
1. Email na adres: [email protected]
2. Tytuł emaila: “BNP Paribas facilitating sale of toxic financial products in Poland via its Polish subsidiary BNP Paribas Bank Polska”
3. Treść emaila:
Hello,
BNP Paribas operates in Poland via its subsidiary BNP Paribas Bank Polska who in turn has been one of the main providers of toxic financial products known as Swiss-Franc indexed/referencing/linked mortgages. To date BNP Paribas Bank Polska has one of the largest open positions of these toxic financial products and despite their proven illegality does nothing to remedy the situation it has put its clients in.
I am one of the numerous victims of the said mis-selling of the toxic financial products by the institution whose parent company you regulate, and as I suspect collusion of the Polish financial regulator KNF with the financial sector they are meant to be regulating I believe that the regulator of the parent company needs to get involved to examine this case properly.
[JESLI ZGODZISZ SIE PODZIELIC SWOJA UMOWA O KREDYT HIPOTECZNY, CZYLI DOWODEM NA ABUZYWNOSC, NAPISZ CO NASTEPUJE – W PRZECIWNYM RAZIE USUN TO ZDANIE:] I am happy to share with you my mortgage agreement.
Kind regards,
[IMIE NAZWISKO]
Raportowanie ING do DNB
1. Email na adres: [email protected]
2. Tytul emaila: “ING Group facilitating sale of toxic financial products in Poland via its Polish subsidiary ING Bank Śląski SA”
3. Tresc emaila:
Hello,
ING Group operates in Poland via its subsidiary ING Bank Śląski SA who in turn has been one of the main providers of toxic financial products known as Swiss-Franc indexed/referencing/linked mortgages. To date ING Bank Śląski SA has one of the largest open positions of these toxic financial products and despite their proven illegality does nothing to remedy the situation it has put its clients in.
I am one of the numerous victims of the said mis-selling of the toxic financial products by the institution whose parent company you regulate, and as I suspect collusion of the Polish financial regulator KNF with the financial sector they are meant to be regulating I believe that the regulator of the parent company needs to get involved to examine this case properly.
[JESLI ZGODZISZ SIE PODZIELIC SWOJA UMOWA O KREDYT HIPOTECZNY, CZYLI DOWODEM NA ABUZYWNOSC, NAPISZ CO NASTEPUJE – W PRZECIWNYM RAZIE USUN TO ZDANIE:] I am happy to share with you my mortgage agreement.
Kind regards,
[IMIE NAZWISKO]
Raportowanie ING do AFM
1. Email na adres: [email protected]
2. Tytul emaila: “ING Group facilitating sale of toxic financial products in Poland via its Polish subsidiary ING Bank Śląski SA”
3. Tresc emaila:
Hello,
ING Group operates in Poland via its subsidiary ING Bank Śląski SA who in turn has been one of the main providers of toxic financial products known as Swiss-Franc indexed/referencing/linked mortgages. To date ING Bank Śląski SA has one of the largest open positions of these toxic financial products and despite their proven illegality does nothing to remedy the situation it has put its clients in.
I am one of the numerous victims of the said mis-selling of the toxic financial products by the institution whose parent company you regulate, and as I suspect collusion of the Polish financial regulator KNF with the financial sector they are meant to be regulating I believe that the regulator of the parent company needs to get involved to examine this case properly.
[JESLI ZGODZISZ SIE PODZIELIC SWOJA UMOWA O KREDYT HIPOTECZNY, CZYLI DOWODEM NA ABUZYWNOSC, NAPISZ CO NASTEPUJE – W PRZECIWNYM RAZIE USUN TO ZDANIE:] I am happy to share with you my mortgage agreement.
Kind regards,
[IMIE NAZWISKO]
Raportowanie mBanku/Commerzbanku do BaFin
1. Email na adres: [email protected]
2. Tytul emaila: “Commerzbank AG facilitating sale of toxic financial products in Poland via its Polish subsidiary mBank SA”
3. Tresc emaila:
Hello,
Commerzbank AG operates in Poland via its subsidiary mBank SA who in turn has been one of the main providers of toxic financial products known as Swiss-Franc indexed/referencing/linked mortgages. To date mBank SA has one of the largest open positions of these toxic financial products and despite their proven illegality does nothing to remedy the situation it has put its clients in.
I am one of the numerous victims of the said mis-selling of the toxic financial products by the institution whose parent company you regulate, and as I suspect collusion of the Polish financial regulator KNF with the financial sector they are meant to be regulating I believe that the regulator of the parent company needs to get involved to examine this case properly.
This is to do with similar toxic financial instrument reported to you in July 2019 against Commerzbank and its Polish subsidiary mBank under your reference HGS-QB 9100-2019/0482.
[JESLI ZGODZISZ SIE PODZIELIC SWOJA UMOWA O KREDYT HIPOTECZNY, CZYLI DOWODEM NA ABUZYWNOSC, NAPISZ CO NASTEPUJE – W PRZECIWNYM RAZIE USUN TO ZDANIE:] I am happy to share with you my mortgage agreement.
Kind regards,
[IMIE NAZWISKO]
Raportowanie Millenium/BCP do Banco de Portugal
1. Email na adres: [email protected]
2. Tytul emaila: “Banco Comercial Português S.A. facilitating sale of toxic financial products in Poland via its Polish subsidiary Millenium”
3. Tresc emaila:
Hello,
Banco Comercial Português S.A. operates in Poland via its subsidiary Millenium who in turn has been one of the main providers of toxic financial products known as Swiss-Franc indexed/referencing/linked mortgages. To date Millenium has one of the largest open positions of these toxic financial products and despite their proven illegality does nothing to remedy the situation it has put its clients in.
I am one of the numerous victims of the said mis-selling of the toxic financial products by the institution whose parent company you regulate, and as I suspect collusion of the Polish financial regulator KNF with the financial sector they are meant to be regulating I believe that the regulator of the parent company needs to get involved to examine this case properly.
[JESLI ZGODZISZ SIE PODZIELIC SWOJA UMOWA O KREDYT HIPOTECZNY, CZYLI DOWODEM NA ABUZYWNOSC, NAPISZ CO NASTEPUJE – W PRZECIWNYM RAZIE USUN TO ZDANIE:] I am happy to share with you my mortgage agreement.
Kind regards,
[IMIE NAZWISKO]
Raportowanie Millenium/BCP do Comissão do Mercado de Valores Mobiliários
1. Email na adres: [email protected]
2. Tytul emaila: “Banco Comercial Português S.A. facilitating sale of toxic financial products in Poland via its Polish subsidiary Millenium”
3. Tresc emaila:
Hello,
Banco Comercial Português S.A. operates in Poland via its subsidiary Millenium who in turn has been one of the main providers of toxic financial products known as Swiss-Franc indexed/referencing/linked mortgages. To date Millenium has one of the largest open positions of these toxic financial products and despite their proven illegality does nothing to remedy the situation it has put its clients in.
I am one of the numerous victims of the said mis-selling of the toxic financial products by the institution whose parent company you regulate, and as I suspect collusion of the Polish financial regulator KNF with the financial sector they are meant to be regulating I believe that the regulator of the parent company needs to get involved to examine this case properly.
[JESLI ZGODZISZ SIE PODZIELIC SWOJA UMOWA O KREDYT HIPOTECZNY, CZYLI DOWODEM NA ABUZYWNOSC, NAPISZ CO NASTEPUJE – W PRZECIWNYM RAZIE USUN TO ZDANIE:] I am happy to share with you my mortgage agreement.
Kind regards,
[IMIE NAZWISKO]
Raportowanie Raiffeisen do FMA
1. Email na adres: [email protected]
2. Tytul emaila: “Raiffeisen Bank International AG facilitating sale of toxic financial products in Poland via its Polish branch Raiffeisen Bank International AG (Spółka Akcyjna) Oddział w Polsce”
3. Tresc emaila:
Hello,
Raiffeisen Bank International AG operates in Poland via its branch Raiffeisen Bank International AG (Spółka Akcyjna) Oddział w Polsce who in turn has been one of the main providers of toxic financial products known as Swiss-Franc indexed/referencing/linked mortgages. To date Raiffeisen Bank International AG (Spółka Akcyjna) Oddział w Polsce has one of the largest open positions of these toxic financial products and despite their proven illegality does nothing to remedy the situation it has put its clients in.
I am one of the numerous victims of the said mis-selling of the toxic financial products by the institution whose parent company you regulate, and as I suspect collusion of the Polish financial regulator KNF with the financial sector they are meant to be regulating I believe that the regulator of the parent company needs to get involved to examine this case properly.
[JESLI ZGODZISZ SIE PODZIELIC SWOJA UMOWA O KREDYT HIPOTECZNY, CZYLI DOWODEM NA ABUZYWNOSC, NAPISZ CO NASTEPUJE – W PRZECIWNYM RAZIE USUN TO ZDANIE:] I am happy to share with you my mortgage agreement.
Kind regards,
[IMIE NAZWISKO]
Raportowanie Santander do Banco de Espana
1. Email na adres: [email protected]
2. Tytul emaila: “Santander Group facilitating sale of toxic financial products in Poland via its Polish subsidiary Santander Bank Polska SA”
3. Tresc emaila:
Hello,
Santander Group operates in Poland via its subsidiary Santander Bank Polska SA who in turn has been one of the main providers of toxic financial products known as Swiss-Franc indexed/referencing/linked mortgages. To date Santander Bank Polska SA has one of the largest open positions of these toxic financial products and despite their proven illegality does nothing to remedy the situation it has put its clients in.
I am one of the numerous victims of the said mis-selling of the toxic financial products by the institution whose parent company you regulate, and as I suspect collusion of the Polish financial regulator KNF with the financial sector they are meant to be regulating I believe that the regulator of the parent company needs to get involved to examine this case properly.
[JESLI ZGODZISZ SIE PODZIELIC SWOJA UMOWA O KREDYT HIPOTECZNY, CZYLI DOWODEM NA ABUZYWNOSC, NAPISZ CO NASTEPUJE – W PRZECIWNYM RAZIE USUN TO ZDANIE:] I am happy to share with you my mortgage agreement.
Kind regards,
[IMIE NAZWISKO]