natgillin/translations-raw huggingface dataset:
national income levels;
potrošnik je predložil netočne informacije, da bi pridobil pravico do osnovnega plačilnega računa, kadar na podlagi točnih informacij takšne pravice ne bi pridobil;
average fees charged by credit institutions in the Member State concerned for services provided on payment accounts.
potrošnik ne prebiva več zakonito v Uniji;
Without prejudice to the right referred to in Article 16(2) and the obligation contained in paragraph 1 of this Article, Member States may require credit institutions to implement various pricing schemes depending on the level of banking inclusion of the consumer, allowing for, in particular, more advantageous conditions for unbanked vulnerable consumers.
potrošnik je v državi članici, kjer že ima osnovni plačilni račun, naknadno odprl še en plačilni račun, ki mu omogoča uporabo storitev iz člena 17(1).
In such cases, Member States shall ensure that consumers are provided with guidance, as well as adequate information, on the available options.
Države članice lahko opredelijo dodatne omejene in posebne primere, v katerih lahko kreditna institucija okvirno pogodbo za osnovni plačilni račun enostransko prekine.
Article 19
Takšni primeri temeljijo na določbah nacionalnega prava, ki se uporablja na njihovem ozemlju, njihov namen pa je preprečiti, da bi potrošniki zlorabljali pravico do dostopa do osnovnega plačilnega računa.
Framework contracts and termination
V obvestilu o prekinitvi se potrošnika seznani s postopkom pritožbe zoper morebitno prekinitev ter pravico potrošnika, da naveže stik s pristojnim organom in organom, imenovanim za alternativno reševanje sporov ter se navede ustrezne kontaktne podatke.
Framework contracts providing access to a payment account with basic features shall be subject to Directive 2007/64/EC unless otherwise specified in paragraphs 2 and 4 of this Article.
Člen 20
The credit institution may unilaterally terminate a framework contract only where at least one of the following conditions is met:
Splošne informacije o osnovnih plačilnih računih
the consumer deliberately used the payment account for illegal purposes;
Države članice zagotovijo sprejetje ustreznih ukrepov za boljšo obveščenost javnosti o razpoložljivosti osnovnih plačilnih računov, njihovih splošnih cenovnih pogojih, postopkih za uveljavitev pravice do dostopa do osnovnega plačilnega računa in načinih za dostop do postopkov alternativnega reševanja sporov.
there has been no transaction on the payment account for more than 24 consecutive months;
Države članice zagotovijo, da so ukrepi za obveščanje zadostni in ciljno usmerjeni ter zlasti da upoštevajo potrošnike brez bančnih računov ter ranljive in mobilne potrošnike.
the consumer provided incorrect information in order to obtain the payment account with basic features where the correct information would have resulted in the absence of such a right;
Države članice zagotovijo, da dajo kreditne institucije potrošnikom brezplačno na voljo lahko dostopne informacije o posebnih značilnostih osnovnega plačilnega računa, ki ga ponujajo, z njim povezanih nadomestilih in njegovih pogojih uporabe ter brezplačno pomoč v zvezi s tem.
the consumer is no longer legally resident in the Union;
Države članice zagotovijo tudi, da je iz informacij jasno razvidno, da za dostop do osnovnega plačilnega računa nakup dodatnih storitev ni obvezen.
the consumer has subsequently opened a second payment account which allows him to make use of the services listed in Article 17(1) in the Member State where he already holds a payment account with basic features.
POGLAVJE V
Such cases shall be based on provisions of national law applicable in their territory and shall be aimed at avoiding abuses by consumers of their right to access a payment account with basic features.
Člen 21
Member States shall ensure that, where a credit institution terminates the contract for a payment account with basic features on one or more of the grounds mentioned in points (b),(d) and (e) of paragraph 2 and in paragraph 3, it informs the consumer of the grounds and the justification for the termination at least two months before the termination enters into force, in writing and free of charge, unless such disclosure would be contrary to objectives of national security or public policy.
Pristojni organi
Where the credit institution terminates the contract in accordance with point (a) or (c) of paragraph 2, its termination shall take effect immediately.
Države članice imenujejo nacionalne pristojne organe, pooblaščene za zagotovitev uporabe in izvrševanje te direktive, in zagotovijo, da so jim podeljena preiskovalna in izvršilna pooblastila ter ustrezna sredstva, potrebna za učinkovito in uspešno opravljanje njihovih nalog.
The notification of termination shall advise the consumer of the procedure to submit a complaint against the termination, if any, and of the consumer’s right to contact the competent authority and designated alternative dispute resolution body and provide the relevant contact details.
Pristojni organi so bodisi javni organi bodisi organi, ki jih priznava nacionalno pravo ali javni organi, ki jih v ta namen izrecno pooblašča nacionalno pravo.
Article 20
Razen nacionalnih centralnih bank, ti organi niso ponudniki plačilnih storitev.
General information on payment accounts with basic features
Države članice zagotovijo, da so pristojni organi in vse osebe, ki delajo zanje ali so zanje delale, kot tudi revizorji in strokovnjaki, ki dobivajo navodila od pristojnih organov, dolžni varovati poklicno skrivnost.
Member States shall ensure that adequate measures are in place to raise awareness among the public about the availability of payment accounts with basic features, their general pricing conditions, the procedures to be followed in order to exercise the right to access a payment account with basic features and the methods for having access to alternative dispute resolution procedures for the settlement of disputes.
Zaupne informacije, ki jih lahko ti organi in osebe prejmejo pri opravljanju nalog, se ne smejo izdati nobeni drugi osebi ali organu, razen v obliki povzetka ali v združeni obliki, z izjemo primerov, za katere velja kazensko pravo ali ta direktiva.
Member States shall ensure that communication measures are sufficient and well-targeted, in particular reaching out to unbanked, vulnerable and mobile consumers.
To pa pristojnim organom ne preprečuje, da bi v skladu s pravom Unije in nacionalnim pravom izmenjavali ali pošiljali zaupne informacije.
Member States shall ensure that credit institutions make available to consumers, free of charge, accessible information and assistance about the specific features of the payment account with basic features on offer, their associated fees and the conditions of use.
Države članice zagotovijo, da so organi, ki jim je podeljena pristojnost za zagotavljanje uporabe in izvajanja te direktive, eno ali oboje od naslednjega:
Member States shall also ensure that the information makes clear that the purchase of additional services is not compulsory in order to access a payment account with basic features.
pristojni organi, kot so opredeljeni v točki 2 člena 4 Uredbe (EU) št. 1093/2010;
CHAPTER V
organi, ki niso pristojni organi iz točke (a), pod pogojem, da morajo ti organi v skladu z nacionalnimi zakoni in drugimi predpisi zaradi izvajanja njihovih nalog iz te direktive, tudi za namene sodelovanja z EBA v skladu s to direktivo, kadar je potrebno, sodelovati s pristojnimi organi iz točke (a).
COMPETENT AUTHORITIES AND ALTERNATIVE DISPUTE RESOLUTION
Države članice Komisijo in EBA obvestijo o pristojnih organih in morebitnih spremembah v zvezi z njimi.
Article 21
Prvič to storijo čim prej in najpozneje do 18. septembra 2016.
Competent authorities
Pristojni organi v skladu z nacionalnim pravom pooblastila izvajajo bodisi:
Member States shall designate the national competent authorities empowered to ensure the application and enforcement of this Directive and shall ensure that they are granted investigation and enforcement powers and adequate resources necessary for the efficient and effective performance of their duties.
na podlagi zahtevka, naslovljenega na sodišča, ki so pristojna za izdajo potrebne odločbe, kadar je primerno tudi s pritožbenim sredstvom, če zahtevku za izdajo potrebne odločbe ni bilo ugodeno.
The competent authorities shall be either public authorities or bodies recognised by national law or by public authorities expressly empowered for that purpose by national law.
Kadar je na njihovem ozemlju več kot en pristojni organ, države članice zagotovijo, da so naloge vsakega organa jasno opredeljene in da ti organi tesno sodelujejo, zato da lahko učinkovito opravljajo svoje naloge.
They shall not be payment service providers, with the exception of national central banks.
Komisija objavi seznam pristojnih organov v Uradnem listu Evropske unije vsaj enkrat letno in ga na svojem spletnem mestu stalno posodablja.
Member States shall ensure that competent authorities and all persons who work or who have worked for competent authorities, as well as auditors and experts instructed by competent authorities, are bound by the obligation of professional secrecy.
Člen 22
No confidential information which they may receive in the course of their duties may be divulged to any person or authority whatsoever, save in summary or aggregate form, without prejudice to cases covered by criminal law or by this Directive.
Obveznost sodelovanja
This shall not, however, prevent competent authorities from exchanging or transmitting confidential information in accordance with Union and national law.
Pristojni organi različnih držav članic sodelujejo med seboj, kadar koli je to potrebno zaradi izpolnjevanja njihovih nalog iz te direktive, pri čemer uporabljajo pooblastila iz te direktive ali iz nacionalnega prava.
Member States shall ensure that the authorities designated as competent for ensuring the application and enforcement of this Directive are either or both of the following:
Pristojni organi nudijo pomoč pristojnim organom drugih držav članic.
competent authorities as defined in point (2) of Article 4 of Regulation (EU) No 1093/2010;
Zlasti si izmenjujejo informacije in sodelujejo pri vseh preiskavah ali nadzornih dejavnostih.
authorities other than the competent authorities referred to in point (a) provided that national laws, regulations or administrative provisions require those authorities to cooperate with the competent authorities referred to in point (a) whenever necessary in order to carry out their duties under this Directive, including for the purposes of cooperating with EBA as required under this Directive.
Da bi države članice poenostavile in pospešile sodelovanje ter zlasti izmenjavo informacij, za namene te direktive vsaka država članica imenuje en sam pristojni organ kot kontaktno točko.
The first such notification shall be made as soon as possible and at the latest by 18 September 2016.
Države članice sprejmejo potrebne upravne in organizacijske ukrepe za lažjo pomoč iz odstavka 1.
The competent authorities shall exercise their powers in conformity with national law either:
Pristojni organi držav članic, ki so za namene te direktive v skladu z odstavkom 1 imenovani za kontaktne točke, brez nepotrebnega odlašanja, drug drugemu pošljejo informacije, potrebne za opravljanje nalog pristojnih organov, ki so določene z ukrepi, sprejetimi na podlagi te direktive.
directly under their own authority or under the supervision of the judicial authorities;
Pristojni organi, ki si v skladu s to direktivo izmenjujejo informacije z drugimi pristojnimi organi, lahko pri posredovanju informacij navedejo, da takšne informacije ne smejo biti razkrite brez njihovega izrecnega privoljenja, pri čemer se lahko takšne informacije izmenjajo le za namene, za katere so ti organi dali privoljenje.
by application to courts which are competent to grant the necessary decision, including, where appropriate, by appeal, if the application to grant the necessary decision is not successful.
Pristojni organ, imenovan za kontaktno točko, lahko informacije, ki jih prejme, pošlje drugim pristojnim organom, ne sme pa jih poslati drugim telesom ali fizičnim oziroma pravnim osebam brez izrecnega privoljenja pristojnih organov, ki so mu jih razkrili, ter jih lahko posreduje le za namene, za katere so mu ti organi dali privoljenje, razen v ustrezno utemeljenih okoliščinah, v tem primeru pa takoj obvesti kontaktno točko, ki je informacije posredovala.
Where there is more than one competent authority on their territory, Member States shall ensure that their respective duties are clearly defined and that those authorities collaborate closely so that they can discharge their respective duties effectively.
Pristojni organ lahko izpolnitev zahteve za sodelovanje pri preiskavi oziroma nadzorni dejavnosti ali za izmenjavo informacij, kot je določeno v odstavku 3, zavrne le, kadar:
The Commission shall publish a list of the competent authorities in the Official Journal of the European Union at least once a year, and update it continuously on its website.
bi lahko taka preiskava, preverjanje na kraju samem, nadzorna dejavnost ali izmenjava informacij ogrozili suverenost, varnost ali javni red naslovljene države članice;
Article 22
je pred organi naslovljene države članice že sprožen sodni postopek v zvezi z istimi dejanji in osebami;
Obligation to cooperate
je bila v naslovljeni državi članici v zvezi z istimi osebami in dejanji že izrečena pravnomočna sodba.
Competent authorities of different Member States shall cooperate with each other whenever necessary for the purpose of carrying out their duties under this Directive, making use of their powers, whether set out in this Directive or in national law.
V primeru takšne zavrnitve pristojni organ ustrezno uradno obvesti pristojni organ, ki je vložil zahtevo, pri čemer navede čim podrobnejše informacije.
Competent authorities shall render assistance to competent authorities of the other Member States.
Člen 23
In particular, they shall exchange information and cooperate in any investigation or supervisory activities.
Reševanje sporov med pristojnimi organi različnih držav članic
In order to facilitate and accelerate cooperation, and more particularly the exchange of information, each Member State shall designate one single competent authority as a contact point for the purposes of this Directive.
Kadar se zahteva za sodelovanje, zlasti za izmenjavo informacij, zavrne ali v razumnem roku ni odgovora nanjo, lahko pristojni organi zadevo predložijo EBA in ga lahko zaprosijo za pomoč v skladu s členom 19 Uredbe (EU) št. 1093/2010.
The Member State shall communicate to the Commission and to the other Member States the names of the authorities which are designated to receive requests for exchange of information or cooperation pursuant to this paragraph.
V takšnih primerih lahko EBA ukrepa v skladu s pooblastili, ki so mu bila dodeljena z navedenim členom, vsaka zavezujoča odločitev, ki jo sprejme v skladu z navedenim členom, pa je za zadevne pristojne organe zavezujoča ne glede na to, ali so ti pristojni organi člani EBA ali ne.
Member States shall take the necessary administrative and organisational measures to facilitate assistance provided for in paragraph 1.
Člen 24
Competent authorities of Member States having been designated as contact points for the purposes of this Directive in accordance with paragraph 1 shall without undue delay supply one another with the information required for the purposes of carrying out the duties of the competent authorities as set out in the measures adopted pursuant to this Directive.
Alternativno reševanje sporov
Competent authorities exchanging information with other competent authorities under this Directive may indicate at the time of communication that such information must not be disclosed without their express agreement, in which case such information may be exchanged solely for the purposes for which those authorities gave their agreement.
Države članice zagotovijo, da imajo potrošniki dostop do učinkovitih in uspešnih postopkov alternativnega reševanja sporov v zvezi s pravicami in obveznostmi, določenimi v tej direktivi.
The competent authority having been designated as the contact point may transmit the information received to the other competent authorities; however it shall not transmit the information to other bodies or natural or legal persons without the express agreement of the competent authorities which disclosed it and solely for the purposes for which those authorities gave their agreement, except in duly justified circumstances in which case it shall immediately inform the contact point that supplied the information.
Takšni postopki alternativnega reševanja sporov in subjekti, ki jih ponujajo, izpolnjujejo zahteve glede kakovosti iz Direktive 2013/11/EU.
A competent authority may refuse to act on a request for cooperation in carrying out an investigation or supervisory activity or to exchange information as provided for in paragraph 3 only where:
Člen 25
such an investigation, on-the-spot verification, supervisory activity or exchange of information might adversely affect the sovereignty, security or public policy of the Member State addressed;
Mehanizem v primeru zavrnitve plačilnega računa za katerega se zaračuna nadomestilo
judicial proceedings have already been initiated in respect of the same actions and the same persons before the authorities of the Member State addressed;
Brez poseganja v člen 16 lahko države članice vzpostavijo poseben mehanizem, s katerim zagotovijo, da bodo imeli potrošniki brez plačilnega računa na njihovem ozemlju, ki jim je kreditna institucija zavrnila dostop do plačilnega računa, za katerega se zaračunava nadomestilo, učinkovit brezplačen dostop do osnovnega plačilnega računa.
final judgement has already been delivered in the Member State addressed in respect of the same persons and the same actions.
POGLAVJE VI
In the event of such a refusal, the competent authority shall notify the requesting competent authority accordingly, providing as detailed information as possible.
SANKCIJE
Article 23
Člen 26
Settlement of disagreements between competent authorities of different Member States
Sankcije
The competent authorities may refer the situation to EBA where a request for cooperation, in particular the exchange of information, has been rejected or has not been acted upon within a reasonable time, and may request EBA’s assistance in accordance with Article 19 of Regulation (EU) No 1093/2010.
Države članice določijo pravila o sankcijah, ki se uporabljajo za kršitve nacionalne zakonodaje, ki prenaša to direktivo, in sprejmejo vse potrebne ukrepe za zagotovitev njihovega izvajanja.
In such cases, EBA may act in accordance with the powers conferred on it by that Article and any binding decision made by EBA in accordance with that Article shall be binding on the competent authorities concerned regardless of whether those competent authorities are members of EBA or not.
Takšne sankcije so učinkovite, sorazmerne in odvračilne.
Article 24
Države članice določijo, da lahko pristojni organ javnosti razkrije vse upravne sankcije, sprejete zaradi kršenja ukrepov, sprejetih zaradi prenosa te direktive, razen če bi takšno razkritje resno ogrozilo finančne trge ali vpletenim stranem povzročilo nesorazmerno škodo.
Alternative dispute resolution
POGLAVJE VII
Member States shall ensure that consumers have access to effective and efficient alternative dispute resolution procedures for the settlement of disputes concerning rights and obligations established under this Directive.
KONČNE DOLOČBE
Such alternative dispute resolution procedures and the entities offering them shall comply with the quality requirements laid down by Directive 2013/11/EU.
Člen 27
Article 25
Ocenjevanje
Mechanism in the event of refusal of a payment account for which a fee is charged
Države članice Komisiji prvič do 18. septembra 2018 in nato vsaki dve leti predložijo informacije o naslednjem:
Without prejudice to Article 16, Member States may set up a specific mechanism to ensure that consumers who do not have a payment account in their territory and who have been denied access to a payment account for which a fee is charged by credit institutions will have effective access to a payment account with basic features, free of charge.
spoštovanju določb iz členov 4, 5 in 6 s strani ponudnikov plačilnih storitev;
CHAPTER VI
spoštovanju zahtev za zagotovitev primerjalnih spletnih mest v skladu s členom 7 s strani držav članic;
SANCTIONS
številu zamenjav plačilnih računov in deležu prošenj za zamenjavo, ki so bile zavrnjene;
Article 26
številu kreditnih institucij, ki ponujajo osnovne plačilne račune, in številu takšnih računov, ki so bili odprti, ter deležu prošenj za odprtje osnovnih plačilnih računov, ki so bile zavrnjene.
Sanctions
Komisija prvič do 18. septembra 2018 in nato vsaki dve leti pripravi poročilo na podlagi informacij, ki jih prejme od držav članic.
Member States shall lay down rules on sanctions applicable to infringements of the national legislation transposing this Directive and shall take all necessary measures to ensure that they are implemented.
Člen 28
Such sanctions shall be effective, proportionate and dissuasive.
Ponovni pregled
Member States shall provide that the competent authority may disclose to the public any administrative sanction that will be imposed for infringement of the measures adopted in the transposition of this Directive, unless such disclosure would seriously jeopardise the financial markets or cause disproportionate damage to the parties involved.
Komisija do 18. septembra 2019 Evropskemu parlamentu in Svetu predloži poročilo o izvajanju te direktive, ki mu po potrebi priloži zakonodajni predlog.
CHAPTER VII
Poročilo vključuje:
FINAL PROVISIONS
seznam vseh postopkov za ugotavljanje kršitev, ki jih je sprožila Komisija v zvezi s to direktivo;
Article 27
oceno povprečne višine nadomestil v državah članicah za plačilne račune, ki spadajo v področje uporabe te direktive;
Evaluation
oceno izvedljivosti okvira za zagotavljanje samodejne preusmeritve plačil z enega plačilnega računa na drugega v isti državi članici, skupaj s samodejnim obveščanjem prejemnikov plačil ali plačnikov, ko so njihovi prenosi preusmerjeni;
Member States shall provide the Commission with information on the following for the first time by 18 September 2018 and every two years thereafter:
oceno izvedljivosti razširitve storitve zamenjave iz člena 10, kadar sta prejemni in prenosni ponudnik plačilnih storitev v različnih državah članicah, ter izvedljivosti čezmejnega odpiranja računov v skladu s členom 11;
compliance by payment service providers with Articles 4, 5 and 6;
oceno števila imetnikov računov, ki so zamenjali plačilne račune po prenosu te direktive na podlagi informacij, ki jih predložijo države članice v skladu s členom 27;
compliance by Member States with the requirements to ensure the existence of comparison websites pursuant to Article 7;
oceno stroškov in koristi uvedbe prenosljivosti številk plačilnih računov po vsej Uniji;
the number of payment accounts that have been switched and the proportion of applications for switching that have been refused;
oceno števila kreditnih institucij, ki ponujajo osnovne plačilne račune;
the number of credit institutions offering payment accounts with basic features, the number of such accounts that have been opened and the proportion of applications for payment accounts with basic features that have been refused.
oceno števila in – kadar so na voljo informacije v anonimni obliki – značilnosti potrošnikov, ki so odprli osnovne plačilne račune po prenosu te direktive;
The Commission shall prepare a report for the first time by 18 September 2018 and every two years thereafter, on the basis of the information received from Member States.
oceno povprečnih letnih nadomestil za osnovne plačilne račune na ravni držav članic;
Article 28
oceno učinkovitosti obstoječih ukrepov in potrebe po dodatnih ukrepih zaradi povečanja finančne vključenosti in pomoči ranljivim članom družbe v zvezi s prezadolženostjo;
Review
primere najboljših praks v državah članicah, namenjenih manjši izključenosti potrošnikov pri dostopu do plačilnih storitev.