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geld is een middel, geen doel

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ING, AFAS Personal en de Consumentenbond

Posted on August 11, 2014 at 6:10 AM

“Beste Ben,


Ik reageer maar even op jouw blog van 5 augustus via deze blog. Dan blijft het behoorlijk onder ons. Want wie leest immers onze blogs? Als ik twitter dat er weer een blog staat dan krijg ik wat bezoekers. Niet veel. Jouw blog vond ik toevallig omdat iemand me de link er naar toe gaf. Anders was ik er nooit bij terecht gekomen.


Goed, dus even onder ons: vind je het niet vervelend dat de Consumentenbond zijn opinie via jouw blog bekend maakt? Dat ze bij de afdeling communicatie waarschijnlijk niet de nieuwswaarde er van in zagen om er een nieuwsbericht aan te wijden? Zoals ze bij het Nibud wel hebben gedaan. En wat opgepikt is door diverse media. Zodat de verspreidingskans van de mening groter is dan via een blog, dat weg valt in de grote mêlee van informatie, die de Consumentenbond biedt. Is dat niet jammer?


Ik baalde er destijds ook van dat ik de grove misstanden rondom de ‘betalingsbeschermingsverzekeringen’ niet onder de aandacht kreeg. “Een te lang woord voor in de kolommen van de krant” werd me verteld door de afdeling communicatie. Later bleek in de DSB-zaak dat van de 830 miljoen aan koopsommen voor dat soort verzekeringen er 530 miljoen aan provisie naar DSB was gegaan…. Ik wist dat het fout zat, maar kreeg de steen communicatief niet in de vijver geworpen.


In deze casus gaat het natuurlijk om een veel minder heftige misstand. ING maakt het de consument er niet gemakkelijker op. Jazeker, ik kan mijn gegevens bij ING downloaden en uploaden in mijn huishoudboekje. In mijn boek ‘De consument is financieel bewusteloos . . . nou en?’ heb ik eens stapsgewijs beschreven wat een consument dan moet doen.

• Inloggen met gebruikersnaam en wachtwoord bij de verschillende banken

• Opzoeken hoe je moet downloaden

• Periode selecteren die je wil downloaden

• Bepalen waar op de computer dat bestand komt te staan.

• Soms zelfs nog nadenken over wat voor soort bestand je wilt downloaden.

• Het downloaden starten en laten gebeuren.

• Inloggen in je huishoudboekje.

• Binnen je digitale huishoudboekje zoeken hoe je gegevens moet up-loaden

• Dan zoeken waar je het bestand hebt staan.

• Vervolgens die gegevens uploaden.

Waarom deze tien stappen als de consument het met een of twee muisklikken kan regelen?


Nu even naar jouw reactie.


Ik weet dat het de consument goede dingen heeft gebracht dat de Consumentenbond aan tafel heeft gezeten bij het opstellen van de Algemene Bankvoorwaarden. Maar als die nu gebruikt worden door ING om te zeggen dat wat AFAS Personal doet niet mag en dat de rechter ING daarin gelijk geeft (en jij in feite ook….) dan zeg IK niet dat jullie partners in crime zijn, maar heeft de rechter jullie dat gemaakt. Als ik jou was zou ik verder in mijn Consumentenbond-wiek geschoten zijn en direct hebben gezegd: “Oei, als banken de voorwaarden zo uitleggen dan zitten we dit najaar nog met ze om tafel om dat recht te gaan zetten”. Nu verwijs je naar in de maak zijnde Europese wetgeving. Jij en ik weten dat dat nog jaaaaaaren kan duren voordat het nationaal van kracht is. Dus moeten we daarop wachten? Ook al omdat het hier alleen om het gemakkelijk krijgen van inzicht in mijn en jouw gegevens gaat en niet over betalingstransacties.


Je zegt dat de Consumentenbond wil dat partijen met elkaar om tafel gaan om daarover procedures te gaan afspreken. Dat is (zoals we dat vroeger bij de Consumentenbond plachten te zeggen) ‘een eerste stap in de goede richting’. Wat ik niet helemaal mee krijg uit je reactie is: wat gaat de bond er verder aan doen. Blijft het bij deze uitspraak?


(Ook) als lid van de Consumentenbond wil ik je oproepen om hierin meer actie te ondernemen. Natuurlijk, de wereld vergaat niet als dit niet binnen afzienbare termijn geregeld wordt. Maar ook dit is weer een signaal vanuit de arrogante bankwereld dat ze graag met het geld van de consument werken, maar die consument verder links laten liggen. Ik verwacht van de Consumentenbond iets meer power dan een mening in een blog drie-hoog achter.


Goedhartelijke groeten,

Rob


P.S. En als je actie gaat ondernemen, kijk dan ook eens naar het initiatief QiY. Daarin krijgt de consument écht de regie. Dat moet je aanspreken. Toch?”

 

Categories: Consumentenbelangen, Banken

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