(1) Name and address of the scheme. In which language is it possible to contact the scheme in the network?

Transkript

1 DENMARK DA-B 1(2) BANKING 1(2) (1) Name and address of the scheme. In which language is it possible to contact the scheme in the network? Pengeinstitutankenævnet (The Danish Banking Complaint Broad) Østerbrogade 62, 4 DK København Ø Tel ( ) Fax Contacts can be made in Danish and English (2) The coverage of the scheme as regards: financial institutions, financial products, intermediaries All banks and savings banks All products offered by banks and savings banks no (3) The organisation of the scheme; public or private/statutory or voluntary, who is running the scheme, who is funding the scheme Privately organised statutory scheme Established by the Board of Danish Bankers and the Board of Danish Consumers Funded by the Board of Danish Bankers (4) In which languages could the complaint be made the decision be given? Danish, English, German Danish (5) Limits to the amount of the complaint No limits (6) Time limits in bringing the complaint to the scheme No limits (7) The average time taken to handle a complaint 4 to 5 months

2 DA-B 1(2) (8) Nature of the decision (9) Charges The decision is binding on the bank if it does not reject the decision within 4 weeks. There is a standard fee of 100 DK ( 13,4), which will be returned if the decision is in favour of the complainant. (10) Is there an annual report available? In which languages? Yes, in Danish (11) Has the scheme been notified to the Commission in accordance with the Commission Recommendation 98/257? Yes

3 DA-B 2(2) DÄNEMARK BANKWESEN 2(2) (1) Name und Anschrift des Systems. In welcher Sprache kann das System im Netzwerk angesprochen werden? Realkreditankenævnet (dänische Beschwerdestelle für Hypothekenkredite) Zieglers Gård Nybrogade 12, Parterre DK 1203 Kopenhagen K Telefon: Telefax: sn@ran.dk Das System kann in Dänisch und Englisch angesprochen werden. (2) Deckungsbereich des Systems betreffend Finanzinstitute, Finanzprodukte, Finanzintermediäre Alle Hypothekenkreditinstitute. Nur Hypotheken. (3) Art der Organisation des Systems: öffentlich oder privat/gesetzlich vorgeschrieben oder freiwillig, wer betreibt das System, wer finanziert das System? Privat organisiertes gesetzlich vorgeschriebenes System. Ins Leben gerufen vom Verband der dänischen Hypothekenbanken und dem dänischen Verbraucherrat. Finanziert von den Hypothekenkreditinstituten. (4) In welchen Sprachen kann die Beschwerde eingereicht, die Entscheidung getroffen werden? In Dänisch und Englisch. In Dänisch. (5) Höchstgrenze des Streitwerts Für den Streitwert gilt keine Höchstgrenze. (6) Vorgesehene Fristen für die Einbringung der Beschwerde in das System Im allgemeinen sind keine Fristen vorgesehen. Es wird allerdings erwartet, daß die Beschwerde so bald wie möglich an die Beschwerdestelle herangetragen wird.

4 DA-B 2(2) (7) Durchschnittliche Bearbeitungszeit einer Beschwerde 3 bis 5 Monate. (8) Art der Entscheidung Nicht bindend. (9) Gebühren Es wird eine Pauschalgebühr in Höhe von 100 DK ( 13,4) erhoben, die erstattet wird, sofern die Entscheidung zu Gunsten des Beschwerdeführers ausfällt. (10) Kann ein Jahresbericht zur Verfügung gestellt werden und in welchen Sprachen? Ja, in dänischer Sprache. (11) Wurde das System der Kommission gemäß der Empfehlung der Kommission 98/257/EG gemeldet? Ja.

5 DENMARK INSURANCE (1) Name and address of the scheme. In which language is it possible to contact the scheme in the network? Ankenaevnet for Forsikring - Insurance Complaints Board Anker Heegaards Gade 2 Postbox 360 DK-1572 Köbenhavn Tel Fax hj@ankeforsikring.dk Contacts can be made in Danish and English (2) The coverage of the scheme as regards: financial institutions, financial products, intermediaries All Danish insurance companies The contracts shall be governed by Danish law and have policy conditions written in Danish. The Board does not decide in cases relating to medical assessment and cases where the evidence has to be substantiated. (3) The organisation of the scheme; public or private/statutory or voluntary, who is running the scheme, who is funding the scheme Privately organised statutory scheme The scheme was set up jointly by the Consumer Council and the Danish Insurance Association. A supreme court magistrate chairs the Board and the members represent equally consumers and insurance companies. (4) In which languages could the complaint be made the decision be given? Danish or another language which the board is able to read and understand Danish (5) Limits to the amount of the complaint No limits

6 (6) Time limits in bringing the complaint to the scheme No (7) The average time taken to handle a complaint 6-8 months (8) Nature of the decision The decision, which is in favour for the plaintiff, is binding on the insurance company if it does not dispute the case within 4 weeks. (9) Charges There is a flat fee of 100 DK ( 13), which will be refunded to the consumer if he entirely or partially wins the case. (10) Is there an annual report available? In which languages? Yes, Danish (11) Has the scheme been notified to the Commission in accordance with the Commission Recommendation 98/257? Yes.