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Fig. Piotr Fotek / REPORTER
It is often difficult to find information on the possibility of reimbursing improperly invoiced commissions.
Free payment cards were often not free at all. The Office of Competition and Consumer Protection intervened and the banks return the money. However, you must read the bank letter and submit an application. Otherwise, the money will pass us through the nose.
Payment cards in Polish banks are generally free, that is to say that no monthly commission is paid. However, there is usually a condition – in a month we must make a certain number of transactions or issue a certain amount with the card. It turns out that even despite seemingly simple rules and surprises happened here. The customer spent as much as he / she needed, and here the bank as if nothing had ever drawn money from the account. What is going on?
On Sunday, we wrote about the communication of ING Bank Śląski addressed to customers. The bank informs about the deadline for filing complaints about badly paid cards. ING will repay the money because he perceived the commission wrongly. However, the case does not only concern this bank
See also: A foreign without a credit card, do not move. All loans do not work
Many of us deserve money, and we do not realize it. In addition to ING Bank clients, correspondence and traditional communications in the transaction systems, received by mail, should also be monitored by: Bank BO,, Bank Pocztowy, Credit Agricole, PKO BP and T-Mobile Usługi Bankowe. These banks have received UOKiK's decisions last year regarding commissions improperly collected. This means that they will have to make money.
Intervention of UOKiK
UOKiK informed of its activities in the case already in February. He instituted proceedings because many clients protested that they had been unfairly charged with commissions.
It appeared that bank transactions at the end of the month arrived the following month and that instead of the promised zero, the customer specifically paid to use the card. This was done by 13 of the 18 banks tested by UOKiK.
Six of them voluntarily changed obscure practices immediately after UOKiK's information, that is, without the need to make a decision. BZ WBK, EuroBank, Getin Noble Bank, ING Bank Śląski, Bank Millennium and Plus Bank.
BZ WBK sends letters, and the customer has three months from the receipt of the correspondence to annex the contract in complaint mode. At the same time, there is important information for customers – you must mention in the complaint the decision number UOKiK No. RBG – 9/2018
Bank Millennium has voluntarily simplified the rules of settlement of transactions on 9 last December. He advertised in commercials that the condition of the tax exemption is the posting of the transaction, so formally everything was fine.
Eurobank has been involved in this case for two years. Similarly, Getin Noble Bank. – The case concerned only a few clients – money.pl reported to the GNB Press Office
According to our reader's information, it appears that Deutsche Bank Polska also sends letters to customers regarding the cards unduly free. officially complicated
As mentioned above, the Office made five decisions in this case last year, plus one at the end of 2016 in the case of mBank. Banks were forced to pay card fees to consumers and change the settlement patterns of the transactions. mBank has already settled its debts – informs the press service
Bank Pocztowy has collected the complaints at the end of February of the current year. and 18 people gave a total of … 100 zlotys. The quantity does not hit on your lap. This may be because customers have noticed the bank letters or have not understood them. Looking at the one that was sent to our reader in June, Deutsche Bank Polska even knows why.
"If an individual settlement made by the Bank in relation to a given Client shows that on the basis of the Table before the changes introduced in 2014-2016, The client would pay lower fees and commissions, the Bank will repay the excess. -Preview within 60 days from the date of the conclusion of the schedule, "reads the letter.A few paragraphs later, the bank adds that" it will not ask for additional payments " if the situation turns out to be the opposite, namely if someone settled the transaction at the end of the previous month and avoided paying the next one.
"If anything, it's something," usually all in an official style , vaguely and without content it is obvious that money is waiting for us from the bank. Some of the recipients will probably throw the letter into the trash without an in-depth analysis. Include a certain appendix is not known for what?
As already mentioned above, UOKiK has had no comment on the practices of Deutsche Bank, yet the bank settles its accounts with customers. They have until July 30 to file a complaint. Note: The Bureau also did not: BGŻ, BPH, Idea Bank or Pekao
UOKiK questioned: advertisements indicating that debit cards were free, if the consumer was trading on a number or value given transaction during a given trading period; unreadable information on websites; a template for calculating debit card payments.
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