Küldjön Nyílt levelet az Európai Parlament képviselőinek – Tisztelt Sargentini Képviselő Asszony!

Judith SARGENTINI

Judith SARGENTINI

Az Európai Parlament képviselői jelenleg azt vizsgálják, hogy Magyarország kormánya, parlamentje és bíróságai szervei tiszteletben tartják-e a demokratikus jogállami értékeket (2017/2131(INL)).

A vizsgálatot Judit Sargentini képviselőj asszony vezeti.

Judit Sargentini hollandiai politikus, aki a zöld párt színeiben lett parlamenti képviselő.

Kérjük, küldje el az általunk megfogalmazott nyílt levelet Sargentini képviselő asszonynak és kollégáinak, annak érdekében, hogy felhívjuk a figyelmét a devizahitelesek elnyomására!

Ebben a bejegyzésben találja a nyílt levelünk szövegét.


Iratkozzon fel a jobb-oldali oszlopban a Hírlevelünkre, Likeoljon minket a Facebookon és kövessen minket a Twitteren, hogy az elsők között értesüljön az eredményeinkről!


Alkotmanybirosag - Clausula Rebus sic stantibus

A devizahiteles törvények sértik az emberi jogokat

Email az Judith Sargentini képviselő asszonynak, az Európai Parlament képviselőjének.

Hívja fel az európai döntéshozók figyelmét a devizahitelesek elnyomására!

Küldje el az alábbi, rövid, magyar nyelven megfogalmazott emailt a felsorolt email cimekre!

Az emailt bárki elküldheti, aki tenni akar a devizahitelesek jogaiért. Az email elküldésének nincs határideje.  Kérjük, h azok is küldjék el ezt az email, akik korábban már küldtek nyílt levelet a PITEE egyesület felhívására!

Lepjen be a levelezőprogramjába. Kezdjen írni egy új emailt. Másolja be az alább felsorolt emailcímeket a “címzettek” sorba. Másolja be az alábbi tárgy megjelölést a “Tárgy” sorba. (A tárgy megjelölésen esetleg némileg változtasson, hogy nehezebb legyen a címzetteknek kiszűrni a leveleinket.) Másolja be a javasolt szöveget a “Szöveg” dobozba. Ha ezzel készen van, ne felejtse el aláírni a nevét az email végén! Miután aláírta az emailt, küldje el a címzetteknek.

— EMAIL —

Címzettek:
judith.sargentini@europarl.europa.eu;
openletterfx@gmail.com;
david.weir@ep.europa.eu;

Tárgy:
Kérjük, vizsgálja meg a magyarországi devizahiteles törvényeinek jogszerűségét!

Szöveg:
Tisztelt Sargentini Képviselő Asszony!

Hivatkozással a PITEE egyesület 2017.11.30. napján kelt angol nyelvű nyílt levelére, kérjük, vizsgálja meg, hogy megengedik-e az Európai Unió alapértékei azt, hogy a magyar parlament törvénnyel avatkozzon be polgári jogi jogviszonyokba, és írja át érvényes szerződések tartalmát!

“Judith Sargentini to lead investigation into Hungary” (greens-efa.eu, 11.07.2017)

További információk: http://www.pitee.org/english

Üdvözlettel:

ALÁÍRÁS

— EMAIL VÉGE —

Köszönjük a segítségét! Amint választ kapunk a nyílt leveleünkre, akkor azt közzé fogjuk tenni a weboldalunkon (www.pitee.org)

Ez a jelenlegi sorozatban az utolsó nyílt levél, aminek az elküldésére kérjük Önöket. Ennek a levélnek az elküldése különösen fontos, annak érdekében, mert most lehetőségünk van befolyásolni az Európai Parlament vizsgálatát!


Iratkozzon fel a jobb-oldali oszlopban a Hírlevelünkre, Likeoljon minket a Facebookon és kövessen minket a Twitteren, hogy az elsők között értesüljön az eredményeinkről!


A PITEE Egyesület nyílt levele

Judith SARGENTINI

Judith SARGENTINI

Judith SARGENTINI
Member of the European Parliament

Europees Parlement
Committee on Civil Liberties,
Justice and Home Affairs
Wiertzstraat
Altiero Spinelli 05F265
1047 Brussel

Budapest, 30 November 2017

Situation in Hungary 2017/2131(INL)

Dear Ms Sargentini,

I am writing to you in regard to your task of drawing up a specific report on the situation in Hungary, with the aim of establishing whether there is a “clear risk of a serious breach” of EU values by a Member State.[1]

Please allow me to bring the situation of the Hungarian foreign currency (FX) loan debtors to your attention. The FX consumer debt crisis is not mentioned in the resolution of 17 May 2017.

According to Mr György Surányi, a former governor of the Hungarian National Bank, the FX consumer debt crisis is the most severe social and economic conflict in Hungary since the political changes of 1989.[2] If you look at the numbers, more than 1.1 million consumers took out loans in a foreign currency.[3] This means that the crisis affects more than 10% of Hungary’s population.[4]

The values of the Union show their strength especially in times of social and economic crisis because democratic dispute resolution measures are the only means of maintaining confidence in the legal system and, by so doing, preventing escalation.[5] Due to the significant impact of the FX consumer debt crisis on Hungary, it is extraordinarily important that this conflict is resolved in line with the values of the Union.

However, the Hungarian government, parliament and courts are trying to resolve this conflict in a way that reveals a systematic breach of the rule of law. I would like to explain to you the reasons why.

The debt crisis is caused by so-called foreign currency consumer loans. Foreign currency loans are high-risk financial products that look financially attractive because banks charge a lower interest rate for debts in foreign currencies than they do for debts in the home currency. In return for the lower interest rate, borrowers must bear the risk of FX volatility. Since consumers tend to focus on the better financial conditions and overlook the risk of FX volatility, regulators place great restrictions on banks when selling FX loans to average consumers, because consumers are unable to predict and mitigate the FX volatility risk.[6]

The financial crisis of 2008 had a serious impact on many FX consumer loan debtors, whose vulnerability to FX volatility caused them significant financial losses.

We prepared a report in 2011 on the lending practices of the Hungarian banks.[7] The report discloses serious violations of Hungarian and European consumer protection provisions. Banks did not inform consumers properly about the risk of FX volatility. Banks did not perform adequate risk assessments. Banks were hiding and manipulating costs in loan agreements. Documents suggest that the Hungarian Financial Supervisory Authority knew about the wrongdoings of the banks, but it has never objected.

On the basis of our findings, Hungarian consumers took their cases to the ordinary courts asking them to review their individual FX loan agreements and, if applicable, provide legal protection against abusive lending practices.

The Hungarian Supreme Court for civil law matters (“Kúria”), however, denied legal protection and in a 2013 decision declared that Hungarian courts are not competent to solve legal disputes between banks and consumers.[8]

In view of the deteriorating situation of the Hungarian debtors and the lack of legal protection by the courts, the Hungarian parliament adopted several pieces of legislation with the aim of providing relief schemes for distressed borrowers.[9]

These new laws amended the content of the existing FX consumer loan agreements, sometimes even with retroactive effect.[10] This means that the Hungarian parliament regularly uses its constitutional powers to intervene in private law matters and, by so doing, determines civil rights and obligations.

A key part of the legislation is that consumers are obliged by law to bear the costs caused by the FX volatility, and courts are instructed to dismiss all actions of the consumers if they raise legal objection against the decision of the Parliament.

The Hungarian Constitutional Court approved this legislation in various decisions,[11] and the ordinary courts are applying these laws in thousands of court procedures.[12]

Perhaps I am stating the obvious, but EU member states with stable democratic traditions would never resort to such legislation. According to Art. 6(1) of the European Convention on Human Rights, it is within the sole competence of the judiciary to determine civil rights and obligations in fair trials. Therefore, in countries where the rule of law is respected, the courts perform dispute resolution and balance the interests of the banks and the consumers, and judges who adhere to and apply the rule of law are willing to provide consumers with legal protection against abusive lending practices.

The case law of the Hungarian courts and the legislative measures of the Hungarian parliament prove that the values of the Union are being systematically breached by Hungarian institutions.

Courts breach European values when they deny legal protection against abusive lending practices, and the parliament breaches European values when it usurps the role of the judiciary and tries to perform dispute resolution by legislation.

The FX consumer debt crisis shows that Hungarian legal culture has not adapted to the requirements of the European Union. Hungary suffers from the absence of democratic traditions, the absence of a stable and broadly acknowledged constitutional culture, and the absence of the rule of law. Despite the long period of time since the political changes of 1989, Hungarian institutions are still in the firm grip of communist-educated judges, prosecutors and public servants.

Please note that the European Commission is investigating a breach of European values by the Hungarian institutions in EU-Pilot Procedure 8572/15. The European courts are reviewing the FX debt crisis legislation in cases T-634/17 and C-118/17.

I am asking you to request a legal opinion from your legal service as to whether legislation that intervenes in civil law matters, and thereby determines civil rights and obligations, is consistent with the values of the Union. If that legal opinion confirms my statements in this letter, then the FX debt crisis should become part of your report.

Please feel free to contact us if you need any further information.

Yours sincerely,

 

Független bíróságok

Független bíróságok

[1] s. Resolution 2017/2656(RSP) of the European Parliament, 17.05.2017.

[2] s. György Surányi, “A devizahitelezés csapdái“, http://www.portfolio.hu, 12.05.2017.

[3] s. Hungarian National Bank (www.mnb.hu), Composition of loans extend to the household sector (2010 Q4).

[4] s. https://en.wikipedia.org/wiki/Hungary.

[5] s. Sec. 2 Communication from the Commission of 11 March 2014, A new EU Framework to strengthen the Rule of Law, COM(2014) 158 final.

[6] s. Letter of the governor of the Swiss National Bank to the governor of the Hungarian National Bank, 02.07.2004.

[7] S. PITEE Press release 23.11.2011 “Hungarian banks originated foreign currency consumer loans illegally for years” (https://pitee.wordpress.com/english/press-review/)

[8] s. Sec. 7 Uniformity Decision 6/2013, 16.12.2016.

[9] s. ECB Opinion on the conversion of foreign exchange loans (CON/2014/87), 16.12.2014; ECB Opinion on the general terms and conditions of consumer loan contracts (CON/2014/85), 8.12.2014; ECB Opinion on specific settlement rules for consumer loan agreements (CON/2014/76), 28.10.2014; ECB Opinion on further rules applicable to specific consumer loan contracts (CON/2014/72), 10.10.2014; ECB Opinion on new general measures stemming from the Supreme Court’s decision on consumer loan contracts (CON/2014/59), 28.7.2014; ECB Opinion on foreign currency mortgages and residential property loan agreements (CON/2012/27), 5.4.2012; ECB Opinion on foreign currency mortgages and residential property loan agreements (CON/2011/87), Hungary, 4.11.2011.

[10] s. ECB Opinion on new general measures stemming from the Supreme Court’s decision on consumer loan contracts (CON/2014/59), 28.7.2014.

[11] s. Sec. [90] Decision 8/2014, 20.03.2014; Sec. [24] Decision 3168/2015, 24.07.2015; Sec. [21]-[22] Decision 3147/2015, 24.07.2015.

[12] s., e.g., 46.G.41.863/2014/5, 46.G.41.831/2014/5, 46.G.41.926/2014/5, 46.G.41.952/2014/5, 46.G.44.645/2014/4, 46.G.42.315/2014/6, 46.G.40.308/2015/4, 46.G.42.877/2014/6, 46.G.42.379/2014/4, 46.G.42.766/2014/5, 46.G.42.971/2014/4, 46.G.43.183/2014/4, 46.G.43.200/2014/8, 46.G.43.122/2014/4, 46.G.43.689/2014/3, 46.G.43.810/2014/3, 46.G.41.863/2014/7, 46.G.42.315/2014/8, 46.G.43.963/2014/5, 46.G.43.923/2014/3, 46.G.43.748/2014/4, 46.G.41.926/2014/7, 46.G.43.775/2014/3, 46.G.41.831/2014/7, 46.G.43.677/2014/3, 46.G.43.962/2014/3, 46.G.43.680/2014/3, 46.G.43.938/2014/3, 46.G.43.342/2014/4, 46.G.40.308/2015/6, 46.G.43.338/2014/4, 46.G.44.645/2014/6, 46.G.43.333/2014/4, 46.G.43.040/2014/7, 46.G.43.343/2014/4, 46.G.42.754/2014/4, 46.G.43.233/2014/4, 46.G.42.812/2014/4, 46.G.43.132/2014/4, 46.G.43.344/2014/4, 46.G.44.351/2014/4, 46.G.42.425/2014/13, 46.G.44.770/2014/3, 46.G.44.771/2014/3, 46.G.44.815/2014/4, 46.G.44.815/2014/4, 46.G.44.661/2014/3, 46.G.41.104/2015/3, 46.G.44.814/2014/3, 46.G.44.198/2014/3, 46.G.44.133/2014/4, 46.G.41.295/2015/3, 46.G.41.233/2015/3, 46.G.41.234/2015/3, 46.G.41.276/2015/5, 46.G.41.228/2015/3, 46.G.41.261/2015/3, 46.G.40.771/2015/4, 46.G.41.123/2015/3, 46.G.40.740/2015/4, 46.G.40.630/2015/4, 46.G.40.583/2015/4, 46.G.40.599/2015/4, 46.G.40.841/2015/4, 46.G.40.633/2015/4, 46.G.40.956/2015/4, 46.G.40.593/2015/4, 46.G.40.595/2015/4, 46.G.40.657/2015/4, 46.G.40.973/2015/4, 46.G.40.524/2015/3, 46.G.44.560/2014/3, 46.G.41.617/2015/3, 46.G.44.865/2014/3, 46.G.41.326/2015/3, 46.G.41.245/2015/3, 46.G.41.230/2015/3, 46.G.41.246/2015/3, 46.G.40.904/2015/4, 46.G.40.410/2015/3, 46.G.40.105/2015/3, 46.G.40.250/2015/3, 46.G.41.244/2015/3, 46.G.41.400/2015/3, 46.G.44.935/2015/3, 46.G.40.937/2015/4, 46.G.44.818/2014/3, 46.G.40.525/2015/3, 46.G.40.789/2015/4, 46.G.40.385/2015/3, 46.G.40.544/2015/3, 46.G.40.713/2015/4, 46.G.40.395/2015/9, 46.G.40.598/2015/4, 46.G.40.865/2015/7, 46.G.40.792/2015/4, 46.G.40.534/2015/4, 46.G.40.594/2015/4, 46.G.40.686/2015/4, 46.G.40.686/2015/4, 46.G.40.509/2015/3, 46.G.40.680/2015/4.


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