Krav om tilbageførsel af overførsler foretaget via netbank fra kunde i banks filial i Finland. Formalitetsafgørelse om Ankenævnets kompetence.

Sagsnummer:187/2020
Dato:16-12-2020
Ankenævn: Bo Østergaard, Anita Nedergaard, Mikkel Prehn, Ida Marie Moesby og Anna Marie Schou Ringive
Klageemne:Formalitetsafgørelse - ankenævnets kompetence
Afvisning - anden myndighed § 4, andre ankenævn mv. § 5, stk. 1
Ledetekst:Krav om tilbageførsel af overførsler foretaget via netbank fra kunde i banks filial i Finland. Formalitetsafgørelse om Ankenævnets kompetence.
Indklagede:Danske Bank
Øvrige oplysninger:OF
Senere dom:
Pengeinstitutter

Indledning

Sagen vedrører krav om tilbageførsel af overførsler foretaget via netbank fra kunde i Danske Banks filial i Finland. Formalitetsafgørelse om Ankenævnets kompetence.

Sagens omstændigheder

Klageren er bosat i Finland og er kunde i Danske Banks filial i Finland, hvor hun har en konto -340 samt netbankadgang.

Klageren har oplyst, at hun i perioden fra juni 2019 til september 2019 foretog syv betalinger på i alt 24.154 EUR fra sin konto i banken til henholdsvis en investeringsvirksomhed, F, og til en anden virksomhed, G.

Hun fandt efterfølgende ud af, at hun var blevet udsat for svindel fra disse virksomheder og krævede den 17. februar 2020 pengene tilbagebetalt fra banken.  

Den 20. maj 2020 indbragte klageren sagen for Ankenævnet. I klagen anførte klageren følgende om sagsforløbet:

The SCAM Broker Story:

Last summer when I started investing [navn] from [F] called and told me about Company. He also emailed me with information about the Company. I couldn`t doubt anything about my inexperience and I believed everything he told me. At first, everything went fine and it looked like I would get some profits too. So long everything went well until I asked for some of my profits myself. After that, asking for money began. I have to pay taxes, [navn] s fee, Company´s fees and expenses for the money transfer. The tone of calls was friendly at first but gradually became very intimidating. I was threatened. At this point, I first receive an email from [G]. They said they were a debt collection company and would like to recover my money from [F] for me. Reported that they operate under FCA and are a legal Company while [F] is illegal. [navn 2] called and told me he was at [G] and wanted to collect my money from [F]. He was going to Bulgaria for trial. This is where the money would be recovered from several investors. Slowly the bills began to come down. Cost of litigation, bills of a judge and lawyer. At this point, my money ran out and I was already in debt. Last fall it was revealed to me that [G] was a scam too and no money is coming back to me.”

Danske Bank har fremlagt ”Terms and conditions of Accounts and Payment Services” for kunder i Danske Banks filial i Finland (the bank) gældende fra den 1. januar 2020. Af de heri indeholdte “General terms and conditions for euro-denominated payments transmitted within the Single Euro Payments Area” fremgår blandt andet:

23 Customer advisory service and out-of-court redress mechanisms

A consumer or a small business may refer disputes arising from these terms and conditions to the Finnish Financial Ombudsman Bureau (FINE, www.fine.fi) or to the Banking Complaints Board operating as part of the Bureau. A consumer may have his/her disputes processed by the Consumer Disputes Board (KRIL, www.kuluttajariita.fi). A payment service user may inform the FinancialSupervisory Authority (www.finanssivalvonta.fi) of the bank’s actions.

24. Place of jurisdiction and applicable law

24.1 The payment service user is a consumer

Disputes arising from these terms and conditions shall be settled in the district court of the jurisdiction where the bank has its registered office or principal place of administration, or in the district court of the place of jurisdiction in Finland where the payment service user has its domicile or permanent place of residence. If the user does not have a residence in Finland, disputes shall be settled in the district court of the jurisdiction where the bank has its registered office or principal place of administration.

24.3 Applicable law

These terms and conditions and the payment orders referred to in these terms and conditions are governed by Finnish law.

Der er indsat tilsvarende bestemmelser i “General terms and conditions for Outgoing and Incoming Currency Payments”, der ligeledes er indeholdt i de fremlagte ”Terms and conditions of Accounts and Payment Services”.

Af “Bulletin on Payment Services”, der endvidere er indeholdt i de fremlagte ”Terms and conditions of Accounts and Payment Services” fremgår endvidere:

“8. Client counselling and legal remedies

It is worthwhile contacting the Bank in issues concerning payment services. The customer may also leave a contact request to Danske Bank's customer service, tel. 0200 2590 (local network charge/mobile network charge) Monday to Friday 9 a.m. to 4 p.m. or through eBanking at www.danskebank.fi. If the customer considers that the Bank has acted against these terms and conditions of payment services, he or she should primarily contact the Bank's service desk where these Complaints should be made in writing.

8.1 Other remedies

Insurance and Financial Advisory Office,

Porkkalankatu 1, FI-00180 Helsinki,

tel. +358 (0)9 6850 120,

www.fine.fi

The Consumer Disputes Board,

P.O. Box 306, FI-00531 Helsinki,

tel. +358 (0)29 566 5200,

www.kuluttajariita.fi

9. Applicable law

Finnish law is applied to payment services.

Means of restitution

1. Customer guidance and means of restitution

It is advisable to contact the Bank in matters relating to these terms and conditions. The customer may also leave a contact request to Danske Bank's telephone service, tel. 0200 2580, or use the eBanking service at www.danskebank.fi.

If the customer deems that the bank has acted contrary to these terms and conditions, the customer should primarily contact the branch of Danske Bank where the breach is deemed to have occurred.

Complaints should be submitted in writing.

2. Other means of restitution

The Finnish Financial Ombudsman Bureau

Porkkalankatu 1, FI-00180 Helsinki,

tel. +358 (0)9 6850 120,

www.fine.fi

The Consumer Disputes Board,

P.O. Box 306, FI-00531 Helsinki,

tel. +358 (0)29 566 5200,

www.kuluttajariita.fi

Parternes påstande

Klageren har nedlagt påstand om, at Danske Bank skal betale 24.154 EUR.

Danske Bank har nedlagt påstand om afvisning og anmodet om, at formalitetsspørgsmålet om Ankenævnets kompetence afgøres, forinden sagens realitet behandles.

Parternes argumenter

Klageren har til støtte for, at sagen fremmes til behandling, anført, at hun har anvendt Danske Banks services, at hun ønsker sagen afgjort hurtigst muligt, og at afgørelsen hele tiden bliver udskudt, uden at hun får en fyldestgørende forklaring.

Danske Bank har anført, at det følger af de fremlagte ”Terms and conditions of Accounts and Payment Services” for kunder i Danske Banks filial i Finland, at aftalt værneting er Finland, og at klagen skal afgøres efter finsk ret.

Der er to alternative tvistløsningsorganer, som klageren kan anvende i Finland. Det mere specialiserede nævn under The Finnish Financial Ombudsman Bureau, www.fine.fi, og det generelle Consumer Disputes Board, www.kuluttajariita.fi.

Danske Bank har yderligere henvist til, at klageren har rejst et krav i henhold til PSD2-direktiv, EU 2366/2015, artikel 74, om betalerens ansvar for uautoriserede betalingstransaktioner, der står i afsnit IV i direktivet. Følgende er bestemt i artikel 100, stk. 4, i direktivet: ”I tilfælde af overtrædelse eller mistanke om overtrædelse af de nationale retsregler, som gennemfører afsnit III og IV, er de kompetente myndigheder, der er omhandlet i stk. 1, de kompetente myndigheder i betalingstjenesteudbyderens hjemland, bortset fra agenter og filialer, hvis virksomhed udøves i henhold til etableringsretten, hvor de kompetente myndigheder er værtslandets kompetente myndigheder.”

Ankenævnets bemærkninger

Klageren er bosat i Finland og er kunde i Danske Banks filial i Finland, hvor hun har en konto -340 samt netbankadgang.

Klageren har oplyst, at hun i perioden fra juni 2019 til september 2019 foretog syv betalinger i Euro på i alt 24.154 EUR fra sin konto i banken til henholdsvis en investe-ringsvirksomhed, F, og til en anden virksomhed, G.

Det følger af § 5, stk. 1, litra c, i Ankenævnets vedtægter, at Ankenævnet skal afvise at behandle en klage, hvis klagen hører under, er under behandling ved, eller har været behandlet af et udenlandsk tvistløsningsorgan, som er anmeldt til Europa-Kommissionen.

Da klagen efter sagens oplysninger henhører under et finsk tvistløsningsorgan, som er anmeldt til Europa-Kommissionen, afviser Ankenævnet at behandle klagen.

Ankenævnets afgørelse

Ankenævnet kan ikke behandle klagen.

Klageren får klagegebyret tilbage.