Consument, Verzekering, Schade
Particulier
Amount of interest calculated legal?
I have an old case from Denmark where I used to live before. I stopped paying off on a debt when I realised the injustice I had faced. The reason this was not already paid is because I respectfully dispute both the €4,000 unlawfully withdrawn from my Nordea Visa debit card in 2008 and the interest the bank has incurred on that amount. This situation arose from the exploitation of vulnerabilities in the Visa and Nordea banking systems by criminals on the Canary Islands. This security flaw allowed the perpetrators to clone my card and overdraw my account, even though it was a standard debit account without credit. Over the years, I have paid significant interest on the defrauded amount, despite experiencing financial hardship. Regrettably, the bank's representatives at the time failed to provide adequate assistance in resolving the case or offer information that could have aided the police in apprehending the criminals. Consequently, I reluctantly accepted the debt under duress. Upon further reflection and discussing this matter with law students at Tilburg University where I was studying, I realized the magnitude of the injustice I have faced.
To shed more light on the events that occurred: Upon returning to Denmark from the Canary Islands, I mailed the police report from the Spanish Police in Las Palmas to Nordea Vesterbro Torv Aarhus. However, Britt Carstens did not inform me that the case was closed until February 4th, 2009, almost a year after it was filed. In her email, Britt Carstens stated that she had received the police report but that it was submitted after an undisclosed deadline for submitting documents. This resulted in the case's closure and my liability for the stolen funds. Later, other Nordea employees mentioned that the police report was not properly filed in my account, contributing to the confusion and mishandling of the case. Moreover, TCM Netherlands claims that Nordea has stated they never received a police report, which contradicts the email correspondence I have from Britt Carstens in 2009, in which she acknowledged receiving the police report, albeit late. This conflicting information further underscores the mismanagement and inconsistencies in handling my case. In 2016 I sent a letter to TCM asking for a case review, since I never heard anything back I assumed they decided to drop the case. Instead the creditor kept calculating more interests. Therefore I was very surprised when I received a new claim this year.
This is the letter I received recently:
"We received your email from Nordic Debt Collection (NODECO).
Since 2020, this claim has already been processed by T. In 2020 and 2021 there was frequent contact with you.
Neither we nor the creditor has ever received proof from you of any fraud that you claim may have taken place. No copy of the police report was ever received.
For the last time we offer you the opportunity to make a payment arrangement. If you do not wish to make use of this, the procedure will be continued through legal proceedings.
Debt
Date
Outstanding amount
Nordea Bank Danmark
01-11-2018
€5.477,33
Interest
Collection costs
€4.702,48
€785,13
Total
€10.964,94
If you wish to make use of the option to make a payment arrangement, we would like to receive your payment proposal within 3 working days.
Kind regards,
My question is how solid is this case and is the amount of interest calculated legal in the Netherlands? It is almost as much as the original claim.
To shed more light on the events that occurred: Upon returning to Denmark from the Canary Islands, I mailed the police report from the Spanish Police in Las Palmas to Nordea Vesterbro Torv Aarhus. However, Britt Carstens did not inform me that the case was closed until February 4th, 2009, almost a year after it was filed. In her email, Britt Carstens stated that she had received the police report but that it was submitted after an undisclosed deadline for submitting documents. This resulted in the case's closure and my liability for the stolen funds. Later, other Nordea employees mentioned that the police report was not properly filed in my account, contributing to the confusion and mishandling of the case. Moreover, TCM Netherlands claims that Nordea has stated they never received a police report, which contradicts the email correspondence I have from Britt Carstens in 2009, in which she acknowledged receiving the police report, albeit late. This conflicting information further underscores the mismanagement and inconsistencies in handling my case. In 2016 I sent a letter to TCM asking for a case review, since I never heard anything back I assumed they decided to drop the case. Instead the creditor kept calculating more interests. Therefore I was very surprised when I received a new claim this year.
This is the letter I received recently:
"We received your email from Nordic Debt Collection (NODECO).
Since 2020, this claim has already been processed by T. In 2020 and 2021 there was frequent contact with you.
Neither we nor the creditor has ever received proof from you of any fraud that you claim may have taken place. No copy of the police report was ever received.
For the last time we offer you the opportunity to make a payment arrangement. If you do not wish to make use of this, the procedure will be continued through legal proceedings.
Debt
Date
Outstanding amount
Nordea Bank Danmark
01-11-2018
€5.477,33
Interest
Collection costs
€4.702,48
€785,13
Total
€10.964,94
If you wish to make use of the option to make a payment arrangement, we would like to receive your payment proposal within 3 working days.
Kind regards,
My question is how solid is this case and is the amount of interest calculated legal in the Netherlands? It is almost as much as the original claim.