natgillin/translations-raw huggingface dataset:
Der er mange transportvirksomheder, som giver nedslag i priserne på visse betingelser, for så vidt angår dato eller
Indeed it is these firms that have been urging the Community authorities to regulate the
Det kan godt betale sig at forhøre sig nærmere om de forskellige ungdomsordninger, f.eks. »Carte Jeune« i Frankrig, »Carnet Joven« i Spanien, »Karta Neon« i Grækenland, »Cartão Jovem« i Portugal osv. Der kan være tale om betydelige nedslag i priserne (helt op til 50%).
sector on the grounds that the abuses committed by rogue operators have injured consumers and given a bad name to an investment which, initially, was not such a bad idea.
* et rutefly, selv om Deres reservation er i orden, skal De straks kræve den fastsatte kompensation. tion.
Some developers are past masters in pressure selling tech­niques and at pulling the wool over your eyes.
Søg oplysninger - Regeringerne i hvert enkelt unionsland er for pligtet ved lov til at gennemføre EF-direktivet om pakkerejser.
These developers have a whole ragbag of selling tech­niques: questionnaires hurriedly filled in at a street cor­ner, pseudo­surveys, telephone selling, lotteries or com­petitions, to mention but a few.
Sporg derfor en forbrugerorganisation, om den nationale lovgivning er i overensstemmelse med direktivet.
difficulties that arise
Klag om nødvendigt - Bliver Deres rettigheder tilsidesat, skal De skrive til et forbrugerrådgivningskontor eller lignende.
What are the most frequent with timeshares?
Bliver De nægtet tilladelse til at borde
Have you purchased shares in a property firm?
mere gunstig for de rejsende.
■ annual management fees;
Og glem ikke: Lovgivningen i nogle medlemsstater er endnu
■ charges that increase over time (such as maintenance costs);
ansvaret for manglende ydelser,
■ the exchange pool is not free of charge.
I øvrigt har De ingen klagemulighed, såfremt en pakkerejse annulleres på grund af manglende tilslutning eller force majeure,
■ In France, you're not considered as the owner but as someone who is entitled to use a flat for a determined and regular period.
Alligevel kan det blive en hård kamp at få placeret ansvaret i forbindelse med pakkerejser!
This formula is used because it does confer upon you the title of owner. In reality, you will be renting your holiday week for the rest of your life!
I nogle medlemsstater som f.eks.
■ In the United Kingdom, welcome to the club.
Frankrig har man i rejsebranchen den opfattelse, at det er tjene- steyderen (f.eks. hotellet), der har
Payment of the membership fee entitles you to use the facilities of a firm which is affiliated in some way to the club.
Boligsektoren (herunder »timeshare«)
This legislation will not enter into force for some years.
Boligmarkedet har på grund af dets økonomiske og sociale betydning længe været underkastet særlige regler på nationalt og endog regionalt plan.
■ More clearly­defined terms: timeshare terminology has to be clarified in order to pinpoint more precisely the domain covered.
Men den frie bevægelighed for personer og kapital i Den Europæiske Union har øget efterspørgslen efter ferieboliger hos ikke-fastboende.
■ A written contract: the seller must always provide a written contract, drafted in one of the official lan­guages of the European Union.
Denne tendens har bragt visse sædvaner frem i lyset, som skader forbrugernes interesser eller udgør en hindring for den frie udveksling af tjenesteydelser.
■ A brochure accompanying the contract: information on the conditions underlying the transaction and the product must be as complete as possible; notably, the seller must provide you with written information prior to signature of the contract (of which this information is an integral part). Otherwise the contract is null and void.
Navnlig det forholdsvis nye fænomen »brugsret til fast ejendom på timeshare-basis« har givet anledning til mange klager.
■ An address and articles of association: the style, address and legal status of the seller at the time of con­clusion of the contract must be set out in the document to be signed, failing which the contract is null and void and in which case you are perfectly entitled to refuse payment, even if you have signed.
Har jeg virkelig ret til at slå mig ned i en anden af Den Europæiske Unions medlemsstater?
It must include char­ges for the right to use the facilities and joint services, mandatory legal fees and management fees.
Alle unionsborgere har ret til at bosætte sig i et andet unionsland uden at blive udsat for forskelsbehandling på grund af nationalitet.
Guarantees: the draft also provides that States must establish guarantees:
Har jeg da også mulighed for at købe fast ejendom?
• if the immovable property is still under construc­tion;
Som regel ja, da retten til at finde en bolig - på leje- eller ejebasis - er et nødvendigt supplement til bosættelsesretten.
• in the event of the seller's failure to perform the services promised.
Men ejendomsmarkedet er ikke underkastet EF-regler, og visse lande begrænser den ret, en borger fra et andet unionsland har til at købe fast ejendom.
■ The possibility of repudiating the contract: you will have a cooling­off period during which you can back out of the contract without incurring any penalty, after signature of the contract.
F.eks. må udlændinge i Grækenland og Italien ikke købe fast ejendom i nærheden af grænserne.
The proposed period is 10 days.
I Belgien er omkostningerne og afgifterne i forbindelse med købet f.eks. ret høje (ca. 16% af købesummen), og det anbefales derfor ikke at købe hus dér, medmindre De regner med at blive i landet i flere år.
■ Greater legal protection: you cannot be deprived of the protection accorded to you by the text, even if the applicable law mentioned in the contract is that of a third country.
Men for at købe får jeg brug for at overføre mine spa repenge - kræver det en tilladelse?
■ Economic protection: the seller cannot demand down payments during the cooling­off period.
I nogle lande spørger bankerne stadig om grunden til en international overførsel, men i de fleste tilfælde skal de
This draft sets out the minimum protection to which con­sumers in all countries of the European Union are en­titled.
Er det så uheldigt, at min opsparing ikke er stor nok til at betale for min drømmevilla, kan jeg så få et lån i det nye bopælsland?
Avoid taking ill-considered risks: insist on certain terms being entered into your contract. Insist on examining this document carefully before signing it!
Hvis De derfor opfylder de samme betingelser som en af landets egne statsborgere for at opnå et lån, har kreditinstituttet ikke ret til at nægte Dem lånet på grund af Deres nationalitet.
Currently, only France, Portugal, the United Kingdom and Greece have enacted statutes to protect you against the sharp practices of certain firms. For example, if you are a Greek and conclude a timeshare contract in your country, your country's legislation pro tects you.
Kreditinstitutterne finder som regel sådanne lån for risikofyldte, hvis De da ikke forlanger en sådan sikkerhed og så høje renter, at transaktionen ikke kan betale sig.
However, if you have Greek nationality and you buy timeshares in Italy, Greek law does not apply in your case.
Forhør Dem hos kreditinstitutterne om vilkårene, og spørg derudover en forbrugerorganisation i det pågældende land til råds.
Certain European timeshare agencies have an excellent knowledge of firms specialized in this domain and will be able to fill you in.
Man må hellere være meget forsigtig, for betingelserne for at få et lån varierer meget fra land til land, og også her vil ekspertrådgivning være til stor hjælp.
In some cases they may be able to intervene directly vis-à-vis professionals.
Hvorledes kan jeg sammenligne omkostningerne ved de forskellige lånetilbud? Beregnes de på samme måde som i mit hjemland?
In a nutshell, things really begin to get awkward in the event of a crossborder dispute — typically, if you are a German citizen and buy timeshares in Italy or Spain.
I EF-reglerne om forbrugslån er der fastsat én metode til beregning af de samlede låneomkostninger for at lette sammenligningen af de forskellige tilbud.
The Community text is not yet in force and so we advise you to consult your consumer associa tion for information on the legal situation in the various Member States.
Kan jeg, hvis jeg flytter til udlandet, tage mine møbler og personlige effekter med mig?
• mortgages and registration of property;
Normalt har De, når De flytter, ret til toldfrit at medbringe møbler og andre effekter, forudsat at det er til eget brug.
As regards real estate transactions, remember that the more information and advice you obtain the better.
Undtagelserne vedrører import af husdyr til Det Forenede Kongerige og Irland og begrundes med veterinærkontrol. rinærkontrol.
Don't forget that this type of transaction raises an abundance of related problems such as:
Hvad mener De?
What remains to be done
Enkeltpersoner, der ikke har råd til at give sig i kast med et egentligt køb af fast ejendom, har mulighed for at »købe« retten til i en ret lang periode (f.eks.
As in the case of many other classes of crossborder transactions, consumers who have to resolve a dispute relating to housing often face legal difficulties and complex and costly pro cedures.
20 år) at bruge en lejlighed el.lign. som feriebolig i en eller flere uger om året.
Hence it is vital to improve access to justice for con sumers.
Dog findes der også hæderlige fagfolk i timeshare-bran-chen!
European consumer guide to the single market
Hvilke vanskeligheder kommer man hyppigst ud for i forbindelse med timeshare?
One of the cornerstones of the single market is the free movement of capital.
Først og fremmest terminologien! Fænomenet kaldes i flæng »timeshare«, »fælleseje«, »det nye feriekoncept« m.m., således at det ikke altid er let at vide nøjagtig hvad det er, man køber. Er man medejer?
What this means is that there are no longer any restrictions on the transfer of money from one Community country to another.
Andre kendetegn ved dette fænomen er de mange ekstraomkostninger:
■ keep your money where you want to;
B meget høj udbetaling
■ transfer your money wherever you want to and
B ekspeditionsgebyr fl årlige administrationsomkostninger
■ borrow money wherever it suits you best.
B stadig større fællesudgifter (f.eks. til reparationer)
Let us hope that competition will motivate banks to offer you better quality services at lower prices.
Vanskeligheden ved at sælge igen: I mange tilfælde kan det være vanskeligt at sælge Deres produkt igen, selv til
While awaiting better times, it is better to do your sums and take whatever advice you can get.
B I Frankrig betragtes De nemlig ikke som ejer, men som en person, der har ret til at bo i en lejlighed i bestem­te, regelmæssigt tilbagevendende, perioder.
■ Firstly, you can pay for your purchases in cash; how­ever, there are certain drawbacks in using cash, one being the risk of theft.
Ifølge fransk lovgivning er De »partner« i et ikke­handelsdri­vende selskab som vederlag for Deres indskud.
You will also lose out if you do not spend all your foreign currency and so have to con­vert it back again.
a I Portugal betragtes De virkelig som ejer!
■ Another popular form of payment is the Eurocheque system.
De har en reel og anerkendt ejendomsret.
The big advantage here is that the charges are fixed and that you know what they are in advance.
Med andre ord betragtes De som medlem af en klub.
However, the associated costs can be quite steep.
Således er det ofte vanskeligt at vide, hvilke regler der gælder, og hvilken lovgivning der beskytter Dem i tilfæl­de af problemer.
■ The safest method is probably the international trans­fer, via a bank or a post office.
Lad os tage et eksempel, som slet ikke er så langt ude: Et tysk selskab, som sælger fællesejen­domsretten til lejligheder i Spanien til britiske statsbor­gere.
The drawbacks here are the charges involved, which may be high — especially if you want to transfer a modest sum through a bank — and the time it takes for the money to arrive.
Selv jurister kan ikke finde ud af det!
A simi­lar method is to use a cheque guaranteed by a bank.
Så er det på tide, at Den Europæiske Union gør noget!
If I want to buy foreign currency, where is the best place to do so?
Den foreslåede beskyttelse er i hovedtræk følgende:
Beware of bureaux de change which go in for aggressive publicity and, for example, assure you that they charge no commission.
F.eks. tales der i direktivudkastet om »erhvervelse af brugsret til fast ejendom (en eller flere boliger) på timeshare-basis«.
Finally, always ask for a receipt clearly setting out all details of the operation.
B En skriftlig kontrakt.
And if I want to pay by cheque or card?
a En brochure, som er en integrerende del af kontrakten.
For years the Community has been working hard to facilitate the use of cards and cheques beyond the national frontiers.
Den skal indeholde så fuldstændige oplysninger som muligt om betingelserne for handelen og om pro duktet.
The aim is to improve the efficiency, speed and reliability of these payment systems and to reduce their costs, which are often excessive.
Sælgeren har bl.a. pligt til at stille et informationsdokument til rådighed inden undertegnelsen af kontrakten (som det er en integrerende del af). Sker det ikke, er kontrakten ugyldig.
Several recommendations have been addressed to the banks and some progress has been made, notably the acceptance by cash dispensers of cards issued in another country.
I så fald er De i Deres fulde ret til at nægte at betale, også selv om De har skrevet under.
However, in the absence of binding measures, progress to date has been unsatisfactory, notably as regards reducing costs.
a Gennemsigtige tal. Den samlede pris, der skal betales, skal være angivet i kontrakten.
In practice, in several countries of the European Union, consumers use Eurocheques with a guarantee card to pay in shops, restaurants, etc.
Prisen omfatter bl.a. det beløb, der skal betales for brug af fællesfaciliteter
However, normal bank cheques or post office cheques are rarely accepted in shops, restaurants and hotels in other countries.
Boligsektoren
Financial services
og fælles tjenesteydelser, lovpligtige udgifter samt supplerende administrative udgifter.
Payments by card such as Visa, Eurocard/Mastercard, American Express and Diners Club, for which a special invoice has to be signed, are becoming increasingly pop­ular in shops throughout the European Union.
• en eventuel forsinkelse af byggeriet
Countries also differ in their willingness to accept particular cards.
• en mangelfuld eller udeblivende opfyldelse af sæl­gerens forpligtelser.
For example, Visa cards are welcomed in France, the United Kingdom and Spain but are less well established in Germany and Italy; Eurocard/Mastercard is also popular in France, Spain and the United Kingdom, but less useful in Ireland and Denmark.
De har efter kon­traktens underskrivelse en betænkningstid, inden for hvilken De kan hæve kontakten uden at skulle betale erstatning.
Electronic payment by bank card in shops, for which you use a personal access code, is still largely limited to national usage.
Denne fortrydelsesfrist foreslås sat til ti dage.
So don't rely on this system of payment when you go abroad.
De kan ikke unddrages den beskyttelse, der er fastsat i udkastet, heller ikke selv om den ret, der finder anvendelse i henhold til kon­trakten, er et tredjelands.
However, the European Union has issued recommenda­tions and you are keenly urged to compare the conditions of use offered to you with those recommended.
De nationa­le myndigheder kan vedtage strengere bestemmelser, såfremt de ønsker det.
Briefly, the recommended conditions are as follows:
Men hvis De er græker og køber ferier for hele livet i Italien, er deres transaktion ikke omfattet af græsk lov.
■ the holder of the card has a right to be supplied with a record of his operations;
Der er bl.a. visse europæiske timeshare-organisa-tioner, som udmærket kender de selskaber, der har specialiseret sig i timesharing, og de vil kunne give Dem yderligere oplysninger.
■ the card issuer must provide the holder with the possi­bility of notifying loss or theft within 24 hours, using a system that can be accessed at any time of the day or night;
De har forstået det rigtigt - pro blemerne opstår for alvor i tilfælde af grænseoverskridende tvister.
■ pending notification of theft or loss, the cardholder's liability is limited to ECU 150.
Simpelthen fordi Italien og Spanien tålmodigt afventer vedtagelsen af EF-reglerne om timeshare, før de vil gøre noget.
This liability is terminated on notification, except where the holder has acted with extreme negligence or fraudulently.
Kræv et maksimum af garantier på dette område må De hellere
Can I use a card or cheques to withdraw money from banks, post offices and cash dispensers when I am abroad?
For så vidt angår handel med fast ejendom må De ikke glemme, at det er bedre med for megen information og rådgivning end for lidt.
It is becoming increasingly possible to withdraw cash from cash dispensers or to cash a cheque abroad. But be careful!
handle fornuftigt end regne med, at en retssag vil løse Deres pro blemer ...
As regards cash dispensers, you will have to find one which accepts your card.
Selv om visse medlemsstater har sagt »ja« til korte sager, er der andre, der går ind for uendeligt lange retssager.
Therefore, before your depar­ture, ask for the list of addresses approved by your card issuer and for details on costs.
Undgå derfor at løbe nogen uovervejet risiko - kræv at få visse klausuler indføjet i Deres skriftlige kontrakt og insister på at få lov til at læse dokumentet, inden De skriver under!
If you have postal cheques you can withdraw money at all post offices, except for Germany, Ireland and the United Kingdom, where only some post offices provide this service. Eurocheques are welcomed by most banks, except in Ireland, Denmark and Portugal.
• teknisk kontrol med byggeriet realkredit og tinglysning af ejendomsret
Most banks in Spain and Italy, for example, accept Visa cards and Eurocard/Mastercards but you may have far more difficulty in finding a bank that will agree to such transactions in Greece or in Belgium.
• arvespørgsmål.
cost, and what are my
• byggetilladelser
What do these operations rights?
Det, der mangler at blive gjort.
Is this more advantageous?
EF-reglerne om timeshare er endnu ikke vedtaget af Ministerrådet.
Moreover, certain banks have the habit of slapping on 'a double deduction', i.e. they charge both the issuer of the order and the beneficiary.
Da medlemsstater ne normalt har mindst to år til at vedtage lovgivningen til gen nemførelse af direktiver, vil den beskyttelse, som er fastsat i denne lovgivning først blive effektiv i 1996.
Finally, these bank operations are not always reliable, many transfers never arriving at their destination.
Som tilfældet er i forbindelse med mange andre grænseoverskridende transaktioner står de forbrugere, som vil have afgjort en boligsag, over for retlige vanskeligheder og indviklede og kost bare retssager.
International postal orders are at least as reliable and in deed the services offered by the postal authorities are often better value than those provided by the banks. If you frequently have to transfer money to another country in the Union, you would be well advised to open a postal cheque account.
Derfor haster det med at forbedre forbrugernes klageadgang.
Today, most European post offices offer this service, except in Greece, Ireland and Portugal.
Et af de vigtigste aspekter ved det indre marked er de frie kapitalbevægelser.
Does that mean that I can open a bank account or postal account anywhere in the European Union?
Dette begreb betyder, at der ikke længere er begrænsninger for overførsel af penge fra et EF­land til et andet.
Certainly, that goes without saying in the single market, whether you are of Greek, Italian or Dutch or any other Community nationality.
Således kan De i princippet: fl bruge Deres penge, hvor De ønsker det
Naturally, there is some red tape: hence, to open an account in Spain, for example, non-resident European citizens must present a 'negative residence permit' issued by the police.
■ investere dem, hvor De vil, og fl låne penge dér, hvor det passer Dem bedst.
I've often heard of the ecu but what use is it to consumers?
Foreløbig gør vekselomkostningerne og gebyrerne for bank­overførsler mellem unionslandene det mindre fordelagtigt at udnytte det finansielle enhedsmarkeds muligheder.
As a precursor to a single currency, more widespread use of the ecu would make much of this chapter obsolete — hence, consumers would no longer have to compare exchange rates, or to pay commissions when purchasing foreign currency.
Lad os håbe, at konkurrencen vil få bankerne til at tilbyde Dem bedre service til lavere pris.
Even now it is possible to conduct a certain number of operations denominated in ecus, such as opening an account, making certain investments, obtaining travellers cheques, etc.
Når der nu ikke findes en fælles mønt, hvorledes kan jeg så betale for mine indkøb i et andet unionsland?
Can I transfer my money freely from one Member State to another or are there still restrictions?
De har flere muligheder:
In principle, money has been free to circulate throughout the Union since 1990.
■ De kan for det første betale kontant, men der er visse ulemper forbundet med anvendelsen af kontanter, ikke mindst faren for tyveri.
Hence you are completely free to make or receive payments from and to anywhere in the Community.
De lider endvidere et tab, såfremt De ikke bruger al Deres fremmede valuta og skal veksle tilbage til Deres egen valuta.
The few remaining restrictions, notably in Greece and Portugal, are to be phased out by 1995.
■ Et andet ret udbredt betalingsmiddel er eurochecksy­stemet.
However, in certain countries there will be tax formalities to be complied with.
Den store fordel her er, at omkostningerne er faste, og at De derfor kender dem, før De skriver en check ud.
Hence in France, a customs declaration is indispensable for sums in excess of FF 50 000.
Men der er lagt et loft over, hvor meget hver check må lyde på, og det kan være en ulempe, hvis De vil købe noget, der er dyrere.
In Spain, you have to make a declaration when you import or export between PTA 1 and 5 million, while an administrative authorization is required if you want to export more than PTA 5 million from the country.
fl De kan ligeledes benytte Deres kreditkort eller be­talingskort, navnlig hvis Deres kort indgår i et velkendt netværk som f.eks. Visa, Mastercard eller American Express.
So I can invest my savings in the country offering the highest interest rates?
Denne betalingsmåde sparer Dem for besvæ­ret med at veksle og kan endog give Dem en gunstig kurs.
Whether this is worth the bother depends on more factors than the interest rate.
Men omkostningerne i forbindelse med et sådant kort er langt fra ubetydelige.
A lot depends on what you want to do with the money later, and in what country. So, get advice.
Hvor er det bedst at veksle, hvis jeg vil købe uden­landsk valuta?
The BCCI bankruptcy showed the need to guarantee con sumers a common level of legal protection against loss of their deposits in the event of a bank's becoming insolvent. vent.
De kan i avisen se de vejledende kurser og sammenligne dem med dem, der tilbydes af bankerne og vekselkonto­rerne.
A draft legal text was proposed in May 1992 mandating the national authorities to guarantee a minimum level of protection to all depositors and giving them coverage of up to ECU 20 000 in the event of a crisis, with payment to be effected within three months.
Det kan godt betale sig, da der ofte er forskel på de kurser, der tilbydes.
But remember: the pro cess of adapting national legislation to the require-
Forhør Dem under alle omstændigheder om kurs, provision og andre omkostninger i forbindelse med transaktionen. tionen.
ments of this text will take some time, and the measures will not become effective until July 1995.
Vær på vagt over for vekselkontorer, der lover guld og grønne skove og f.eks. hævder, at De ikke skal betale pro vision.
However, most countries have established deposit-guarantee schemes, although the scope and level of legal pro tection differs considerably from one country to another.