Local view for "http://purl.org/linkedpolitics/eu/plenary/2002-07-02-Speech-2-215"
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"en.20020702.10.2-215"2
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". – Mr Crowley began by saying that he has a personal interest in this matter. May I reply by saying that we all have a personal interest in the matter. It applies to all citizens of euroland who travel abroad and who wish to obtain their cash from a cash dispenser. It is a commodity which is available to all citizens, and all those who leave their own country to go to another part of euroland will be happy with it.
Mr Crowley also asks what users of cash machines can do if they find out that the charge for cash obtained abroad is not the same as the charge for cash obtained domestically. There are three ways in which users can obtain redress. Firstly, they can go to a bank and complain, ask why the bank does not do what the law says. This can be followed up in writing, and I am sure the bank will take notice. That is the second way of obtaining redress.
If, however, the user is of the opinion that the answer given by the bank is insufficient, he can go to a banking ombudsman. In French this is a
. He can obtain the services of such an ombudsman on the Internet via "FIN-NET". This provides a list of all such ombudsmen who can deal with any problems of that nature. If that does not work then the person concerned can address the authorities in his or her Member State because in this case, as elsewhere, enforcement here is carried out by national authorities. I am sure that the national authorities in Ireland will be sufficiently alert and active to help any dissatisfied customer in obtaining what he wants. These three ways of obtaining redress should prove to be quite adequate.
As regards the last point on how the Commission intends to tell all 370 million citizens of Europe about this facility, I would firstly like to say that the tourist who goes abroad, at least within the euro area, will immediately know about this facility because when he draws cash out of the wall he will see on the slip what the charges are. He can think back to what has happened domestically and thus will immediately know whether the law is respected or not.
Secondly, the banks are under an obligation to inform customers not only about the rates which they charge on transferring money or obtaining money through cash dispensers abroad, but also to advise all their customers if there is a change in the rate. One of the other stipulations of this regulation is transparency. Because there is transparency, customers will know what they are asked to pay and they will be able to compare that with what other banks charge. It is hoped that in this way, competition will see to it that the lowest charges possible are being charged to the customer.
I hope this answer satisfies Mr Crowley. I hope he is happy with the situation which I am sure he has wanted to see for many months."@en1
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"médiateur bancaire"1
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