natgillin/translations-raw huggingface dataset:
Glej del IV, oddelek IX, točko 2.b in 2.d. navajajo, da si je družba ELAS zlasti prizadevala, da bi irske in nemške stranke privabila v poznih devetdesetih letih 20. stoletja in zlasti leta 2000, ko je njen finančni položaj postal kritičen in ko ji je glede na sodbo drugostopenjskega sodišča januarja 2000 grozilo, da se bo položaj zaradi obveznosti zajamčenih rent še poslabšal.
See Part IV, Section IX points 2.b and 2.d. have suggested that Equitable Life made particular efforts to attract Irish and German customers in the late 1990s and even more so in 2000, at a time when its financial situation had become critical and, in the light of the ruling of the Court of Appeal in January 2000, was very likely to deteriorate further due to GAR liabilities.
Sumljiva oglaševalska akcija družbe ELAS v Nemčiji, ki jo je predstavnik švicarskih oblasti med potekom zaslišanj označil kot nemogočo v švicarskem regulativnem okolju
The Society's doubtful advertisement campaign in Germany, which was criticised in the course of the hearings by the representative of the Swiss authorities as unthinkable in his own regulatory environment
Glej del IV, oddelek IX, točko 3.a. , in ustanovitev evropskega sklada na Irskem, oboje leta 2000, dokazujeta navedeno.
See Part IV, Section IX point 3.a. , and the launch of its 'European fund' in Ireland, both in 2000, illustrate this.
Po analogiji z zlorabo pri prodaji družbe ELAS v Združenem kraljestvu obstajajo prepričljivi dokazi
By analogy with Equitable Life's mis-selling in the UK, there are compelling accounts
Glej del IV, oddelek IX, točko 2.c.. , ki navajajo, da je družba ELAS zavajala več irskih in nemških zavarovancev ter potencialnih strank, jim ni svetovala glede tveganj pri zajamčenih rentah in lažno zatrjevala, da sklad za življenjsko zavarovanje s klavzulo o soudeležbi zavarovanca pri dobičku zavarovalnice izravnava nihanja dobička in osnovnih sredstev.
See Part IV, Section IX point 2.c. suggesting that the Society also misled a number of Irish and German policyholders and prospective customers by failing to advise them the GAR risk and by falsely claiming that the 'with-profits' fund was smoothing out fluctuations in earnings and asset values.
Poleg tega so dodatne izjave, predložene odboru
In addition to this, further statements were made to the committee
Glej del IV, oddelek IX, točko 2.c. , navajale, da je družba ELAS nekatere irske stranke napačno obveščala o tem, da so sredstva vložili ali bi jih vložili v poseben irski sklad, ki bi bil omejen in nanj ne bi vplivale obveznosti sklada Združenega kraljestva.
See Part IV, Section IX point 2.c. to the effect that the Society falsely informed certain Irish customers that they had bought, or would be buying, into a separate Irish fund which would be ring-fenced and thus not affected by liabilities arising within the UK fund.
Družba ELAS je s to prakso nadaljevala tudi po sodbi drugostopenjskega sodišča januarja 2000 in večkrat potrdila, da sodba ne bo vplivala na irske ali druge mednarodne police.
The Society continued to do so after the ruling of the Court of Appeal in January 2000 and claimed on several occasions that the ruling would not impact on Irish and other international policies.
Glej del IV, oddelek IX, točko 2.e. se je seznanil z nezadovoljstvom nemških zavarovancev nad nedavno odločitvijo družbe ELAS, da dokumentov v zvezi z letno skupščino družbe in poročil ter poslovnih knjig ne bo več objavljala v nemškem jeziku.
See Part IV, Section IX point 2.e.
Ta odločitev nemške zavarovance jasno postavlja v še slabši položaj kot zavarovance Združenega kraljestva in dodatno poudarja potrebo po zahtevah o obveščanju pred sklenitvijo pogodbe in tudi med celotnim trajanjem pogodbe.
This decision clearly puts German policyholders in an even more unfavourable position than UK policyholders and further highlights the need for robust information requirements before the contract is concluded, but also throughout its performance.
Odbor meni, da je presenetljivo, da niti irsko Ministrstvo za podjetja, trgovino in zaposlovanje (DETE) niti irski regulativni organ za finančne storitve (IFSRA) ne prevzema odgovornosti za skrajno neprimerna dejanja irskega zakonodajalca v zvezi z družbo ELAS pred letom 2003 in da IFSRA ostaja zunaj pristojnosti irske zakonodaje o svobodi obveščanja.
The committee finds it regrettable that neither the Irish Department of Enterprise, Trade and Employment (DETE), nor the Irish Financial Services Regulatory Authority (IFSRA), assumes responsibility for the grossly inadequate actions undertaken by the Irish regulator in relation to Equitable Life prior to 2003, and that IFSRA remains outside the remit of the Irish Freedom of Information legislation.
Vedno mora obstajati v celoti zavezujoča veriga odgovornosti za urejanje.
There should always be a fully liable chain of responsibility for regulation.
Veriga odgovornosti se ne sme prekiniti, niti takrat, ko se izvaja reforma regulativnih postopkov/organov.
The chain of accountability should not be broken including when there is reform of regulatory procedures/bodies.
Razpoložljivo gradivo
Available material
Glej del IV, oddelek IX, točka 3.a. nakazuje, da med krizo družbe ELAS na Irskem ni bilo pravil o poslovanju življenjskih zavarovalnic, razen zahtev o obveščanju iz direktiv o življenjskem zavarovanju.
See Part IV, Section IX point 3.a. indicates that there were no conduct of business rules specific to life insurance in place at the time of the ELAS crisis in Ireland, other than the information requirements required by the Life Directives.
Irski zakonodajalec zakonodajalca Združenega kraljestva o pravilih poslovanja ni obvestil do julija 2002.
The Irish regulator did not notify conduct of business rules to the UK regulator until July 2002.
Prav tako je nemški zakonodajalec zavarovalnice ES, ki so med letoma 1996 in 2000 delovale na njegovem ozemlju, vključno z družbo ELAS, neposredno obvestil o nemških pravilih poslovanja.
Likewise, the German regulator appears to have communicated German rules on the conduct of business directly to EC insurance undertakings operating in its territory in 1996 and 2000, including Equitable Life.
Z izjemo enega ukrepa nemškega zakonodajalca proti zavajajoči oglaševalski akciji niso niti irski niti nemški organi sprejeli nobenih posebnih ukrepov glede izvajanja kakršnih koli pravil poslovanja v zvezi z družbo ELAS.
With the exception of one intervention of the German regulator against a misleading advertising campaign, neither the Irish nor the German authorities have taken any particular action with regard to specifically enforcing any conduct of business rules in relation to Equitable Life.
Odbor ugotavlja, da so irski in nemški zakonodajalci imeli neupravičeno pasiven pristop k urejanju poslovanja v zvezi z družbo ELAS in niso v celoti izvajali svojih pristojnosti, ki so jim bile dodeljene v tretji direktivi o življenjskem zavarovanju.
The committee concludes that both Irish and German regulators have pursued an unjustifiably passive approach to the conduct of business regulation in respect of Equitable Life and failed to make full use of the powers conferred to them in this respect by the Third Life Directive.
Odbor ob upoštevanju razpoložljivega gradiva
In light of available material
Glej tudi del IV, oddelek IX, točko 3.a. meni, da tretja direktiva o življenjskem zavarovanju nejasno opredeljuje pristojnosti, vloge in odgovornosti organov domače in tuje države članice.
See also Part IV, Section IX point 3.a. , the committee believes that the Third Life Directive lacks clarity in defining the powers, roles and responsibilities of home and host Member State authorities.
Pomanjkanje jasnosti je problematično s stališča podjetij, ki želijo delovati na enotnem trgu in se srečujejo z negotovostjo v zvezi s pravili o uporabi, in še bolj za stranke, ki verjetno ne poznajo pravil o varstvu potrošnikov in ne vedo, kateri organ je pristojen za izvajanje teh pravil ter obravnavanje s tem povezanih pritožb.
This lack of clarity is problematic both from the perspective of firms wanting to operate in a single market who face uncertainty with regard to the applicable rules and, to an even greater degree, for consumers who are likely to be unaware of the rules intended to protect them and moreover do not know which authority is competent to enforce these rules and deal with corresponding complaints.
Poleg tega odbor ugotavlja, da se morajo potrošniki v čezmejnem položaju pogosto odločiti, ali njihova pritožba zadeva finančni nadzor ali kakšen drug regulativni vidik, kar je zelo težko razlikovati.
Furthermore, the committee notes that consumers in cross-border situations are often faced with the task of reaching a decision as to whether their complaint relates to financial supervision or some other aspect of regulation, which is a complex distinction to make.
Primer družbe ELAS dodatno kaže tesno povezavo in prekrivanje vprašanj finančnega nadzora in poslovanja na nekaterih področjih.
The Equitable Life case further illustrates the close links and overlaps, in certain areas, between financial supervision and conduct of business issues.
Ločevanje pristojnosti domače in tuje države članice lahko zato povzroči problematične razmere, ko tuji zakonodajalec, ki ureja poslovanje, nima finančnih informacij (do katerih ima dostop le domači zakonodajalec), potrebnih za oceno, ali so izjave in informacije izvajalcev finančnih storitev točne ali nezadostne/zavajajoče, pri čemer je potrebno regulativno ukrepanje.
The division of competences between home and host State may thus lead to problematic situations, in which the host State conduct of business regulator lacks financial information he would need (which only the prudential home State regulator has) to assess whether the statements made and information given by a financial services provider are accurate or otherwise insufficient/misleading and hence should give rise to regulatory intervention.
Dejstvo, da se organu za finančne storitve ni zdelo potrebno opozoriti zakonodajalcev tuje države o krizi financ družbe ELAS, je pomembno prispevalo k pomanjkanju regulativnih ukrepov s strani nemških in irskih zakonodajalcev, ki urejajo poslovanje.
The fact that the FSA never deemed it necessary to alert the host State regulators of the critical state of Equitable Life's finances constituted an important reason for the lack of regulatory action by German and Irish conduct of business regulators.
Irski in nemški zakonodajalci so se odzvali na številna poizvedovanja in prošnje zavarovancev za dostop do informacij.
Both Irish and German regulators have responded to numerous queries and requests for information from policyholders.
Gradivo, ki je bilo na voljo odboru
Material made available to the committee
Glej del IV, oddelek IX, točka 3.a. , navaja, da sta oba zakonodajalca poskušala pridobiti informacije od organov Združenega kraljestva in o tem obvestiti zavarovance v zadevnih državah članicah.
See Part IV, Section IX point 3.a. indicates that both regulators sought to obtain information from the UK authorities and passed this information on to policyholders in their respective Member States.
Vendar izjave, predložene odboru
However, statements made to the committee
Glej del IV, oddelek IX, točka 3.a. , pojasnjujejo, da irski in nemški zavarovanci niso dobili odškodnine za storjeno krivico prek zadevnih nacionalnih zakonodajalcev na področju financ.
See Part IV, Section IX point 3.a. make it clear that Irish and German policyholders were not able to obtain redress for their grievances through their respective national financial regulators.
Irski organ ni bil pristojen za odločanje o pritožbah.
The Irish authority did not have the power to adjudicate on complaints.
Nemški zakonodajalec je zavrnil večino prejetih pritožb, ker so zadevale vprašanja finančnega nadzora, za kar pa ni pristojen.
The German regulator rejected most complaints it received because it considered that they concerned matters of financial supervision, for which it was not responsible.
Dve pritožbi, ki jima je nemški zakonodajalec ugodil, nista bili povezani s krizo družbe ELAS.
The two complaints which were upheld by the German regulator were not related to Equitable Life's crisis.
Veliko izjav in dokazov, predloženih odboru
Many statements and submissions to the committee
Glej del IV. , navaja, da so prekrivanje in siva območja med finančnim nadzorom ter spremljanjem poslovanja organom tujih in domačih držav omogočile prelaganje odgovornosti pri obravnavanju pritožb z enega na drugega.
See Part IV.. suggest that the overlaps and grey areas between financial and conduct of business supervision allowed home and host state authorities to shift responsibility from one to another for dealing with complaints.
Na primer, nemški zakonodajalec in tudi zakonodajalec Združenega kraljestva sta zavrnila pristojnost za obravnavanje posebne pritožbe
For instance, neither the German nor the UK regulators regarded themselves as competent for dealing with a particular complaint
Glej del IV, oddelek IX, točka 3.a. , ki jo je prvi zakonodajalec razlagal kot vprašanje finančnega nadzora, drugi pa kot vprašanje poslovanja.
See Part IV, Section IX point 3.a. , which was interpreted by one as concerning a financial supervision issue, while the other considered the same complaint to be related to conduct of business.
Odbor meni, da so vrzeli pri čezmejnih odškodninskih postopkih nesprejemljive.
The committee believes that these gaps in cross-border redress are unacceptable.
Odbor meni, da pomeni diskriminacija na podlagi stalnega prebivališča v zvezi s sodno ali nesodno preiskavo regulativne napake omejevanje svobode prejemanja storitev, kar zagotavlja Pogodba.
The committee believes that discrimination on the basis of residence concerning the judicial and non-judicial investigation of regulatory failure constitutes a restriction on the freedom to receive services, as guaranteed by the Treaty.
Poleg tega je takšna diskriminacija v zvezi z odškodnino tesno povezana s svobodo prejemanja in opravljanja storitev življenjskega zavarovanja ter z ustanavljanjem podružnic, ki opravljajo takšne storitve v skladu s Pogodbo, zato krši člena 43 in 49 Pogodbe ES.
Furthermore, such discrimination in relation to redress is so closely related to the freedom to receive and provide life insurance services and to establish branches to provide such services as guaranteed by the Treaty, that it must be contrary to Articles 43 and 49 of the EC Treaty.
Zavarovanci, ki so sklenili pogodbo z eno od podružnic družbe ELAS v EU, lahko v skladu z domačo zakonodajo zahtevke proti družbi vložijo na sodišču zadevne domače države članice, kar je v skladu z Uredbo (ES) št. 44/2001 in členom 32 konsolidirane direktive o življenjskem zavarovanju.
Policyholders who contracted with one of the Society's EU branches may bring claims against Equitable Life before the court of their respective home state under domestic law according to Regulation (EC) No 44/2001 and Article 32 of the consolidated Life Directive.
Medtem ko odbor ni imel nobenih podatkov o tožbah proti družbi ELAS, ki bi potekale na irskih sodiščih
Whilst the committee has not had any notice of cases brought against Equitable Life before Irish courts
Glej del IV, oddelek IX, točka 5. , je bil obveščen , da takšna tožba zdaj poteka na nemškem regionalnem sodišču.
See Part IV, Section IX point 5. , it is aware that one such case is currently pending before a German regional court.
Odbor meni, da pristojnost domačih sodišč pomeni nekaj koristi za prizadete zavarovance.
The committee considers that the jurisdiction of domestic courts brings with it some advantages for the affected policyholders.
Vseeno obstajajo nekateri dvomi o tem, ali bodo domača sodišča lahko vedno ustrezno obravnavala zadeve, kot je zadeva družbe ELAS, kjer dokazi vključujejo zapletena zavarovalna in regulativna vprašanja, ki so tesno povezana z drugo državo članico in ki so poleg tega verjetno na voljo le v prevodu iz tujega jezika.
However, there are certain doubts as to whether domestic courts would always have the capacity to deal adequately with cases, such as Equitable Life, where the evidence to be considered involves complex actuarial and regulatory issues strongly linked to another Member State which, moreover, is only likely to be available in translation from a foreign language.
Poleg tega se lahko pojavijo zapleteni spori glede vprašanja, katera zakonodaja naj se uporablja, in tudi v zvezi s povezanostjo zasebnega mednarodnega prava ter pravili notranjega trga.
In addition, there may well be complex arguments around the issue of applicable law, but also in relation to the interaction between private international law and internal market rules.
Glavne ugotovitve odbora v zvezi z zavarovanci Združenega kraljestva, da tožba ni najboljša možnost povprečnega zavarovanca zaradi morebitnih visokih stroškov in tveganja, v splošnem veljajo tudi za zavarovance zunaj Združenega kraljestva, čeprav se stopnja tveganja, ki so ji izpostavljeni tožniki, lahko razlikuje glede na zadevne domače pravne sisteme in sodne stroške, vključno z razpoložljivostjo kakršnega koli sistema pravne pomoči.
The general conclusion, which the committee made in connection with UK policyholders, that litigation is not a viable alternative to the average policyholder due to potentially high costs and risks, also applies, in general terms, to non-UK policyholders, although the degree of risk to which litigants are exposed may vary depending on their respective domestic legal systems and the costs of accessing the same, including the availability of any legal aid schemes.
(e) Pravna sredstva v zakonodaji Skupnosti
(e) Remedies under Community law
Odbor ugotavlja, da sodna in institucionalna praksa Komisiji preprečuje začetek postopkov za ugotavljanje kršitev proti državam članicam za preteklo kršitev zakonodaje Skupnosti, kjer je bila odškodnina že izplačana.
The committee takes note of the case-law and institutional practice according to which the Commission is prevented from bringing infringement proceedings against Member States for past breaches of Community law which have since been remedied.
Odbor vseeno vztraja, da takšne razmere ustvarjajo pravno praznino na področju sodnega varstva posameznikov, ki so žrtve kršitev zakonodaje Skupnosti s strani države članice, kar se lahko pokaže šele več let po kršitvi.
The committee insists, however, that such a position creates an unfortunate lacuna in the judicial protection of individuals who are victims of violations of Community law by a Member State, which may only become apparent several years after the breach.
Odbor meni, da bi možnost obsodbe držav članic za pretekle kršitve, ki bi hkrati zagotavljala pomoč žrtvam, ki želijo začeti postopek na nacionalnem sodišču, močno spodbudila države članice, da bi pravilno in pravočasno izvajale zakonodajo EU.
The committee believes that the possibility of condemning Member States for past breaches, in addition to being of assistance to victims considering possible actions before national courts, would create a strong incentive for Member States to implement EU legislation correctly and on time.
Odbor tudi ugotavlja, da je Komisija pristojna za preiskavo preteklih kršitev zakonodaje Skupnosti s strani podjetij, ki kršijo določena pravila Pogodbe, kadar za to obstaja legitimen interes
The committee also notes that the Commission has the power to investigate past breaches of Community law by undertakings in breach of certain Treaty rules where there is a legitimate interest in doing so.
Uvodna izjava (11) in člen 7(1) Uredbe Sveta (ES) št. 1/2003 z dne 16. decembra 2002 o izvajanju pravil konkurence iz členov 81 in 82 Pogodbe ( UL L 1, 4.1.2003, str.
Recital 11 and Article 7(1) of Council Regulation (EC) No 1/2003 of 16 December 2002 on the implementation of the rules on competition laid down in Articles 81 and 82 of the Treaty (OJ L 1, 4.1.2003, p.
Obratno takšna omejitev pristojnosti Komisije izpostavlja ključni pomen pravice državljana do peticije in pravice Parlamenta do preiskave v takšnih razmerah.
Conversely, such a limitation on the powers of the Commission highlights the vital importance of the citizen's right of petition and the Parliament's right of inquiry in such situations.
Komisija je v odgovorih na pritožbe zavarovancev družbe ELAS navedla, da ni smela preiskovati vsebine in uporabe nekdanjega regulativnega sistema v Združenem kraljestvu, ki se je do zdaj že zamenjal.
The Commission, in response to complaints it received from Equitable Life policyholders, argued that it could not investigate the content and application of the former regulatory regime in the UK, which had since been replaced.
Parlament je v nasprotju s tem odločil, da so zadeve vlagateljev peticije dovolj pomembne za začetek poglobljene preiskave in poznejšo ustanovitev preiskovalnega odbora.
Parliament, by contrast, decided that the matters raised by the petitioners were sufficiently important to warrant an in-depth investigation and the consequent setting up of a Committee of Inquiry.
Čeprav Parlament vlagateljem peticije ne more podeliti odškodnine, lahko predloži potrebna priporočila, ki se mu zdijo s tem v zvezi potrebna.
Although Parliament itself does not have the power to award compensation to petitioners, it may make any recommendations it deems appropriate in this respect.
Tretja direktiva o življenjskem zavarovanju ne določa odškodnin in se ne ukvarja z vprašanjem nadomestila ter se nanj tudi ne sklicuje.
The Third Life Directive does not itself provide for any remedies and does not deal with, or make any reference to, the question of compensation.
Takšna vprašanja je treba zato urediti v skladu s splošnimi načeli zakonodaje Skupnosti, vključno z obveznostjo lojalnega sodelovanja iz člena 10 Pogodbe ES.
Such questions must therefore be determined according to general principles of Community law, including the duty of loyal cooperation enshrined in Article 10 of the EC Treaty.
Nacionalna sodišča Združenemu kraljestvu načeloma lahko naložijo plačilo odškodnine zavarovancem družbe ELAS, ki so bili oškodovani zaradi nezmožnosti Združenega kraljestva, da bi ravnalo v skladu s določbami tretje direktive o življenjskem zavarovanju.
The UK may in principle be held liable before national courts in damages to Equitable Life policyholders who have suffered loss as a result of the UK's failure to comply with the provisions of the 3LD.
Nekatere napake zakonodajalcev
Certain failures by the UK regulators
Poleg tega je jasno, da kumulativni učinki kršitev s strani organov Združenega kraljestva lahko skupaj pomenijo grobo in očitno neupoštevanje omejitev njihove diskrecijske pravice.
Moreover, it is clear that the cumulative effect of breaches by UK authorities may collectively amount to grave and manifest disregard for the limits imposed on their discretion.
Nesodni odškodninski postopki
Non-judicial means of redress
(a) Pritožbe organu za finančne storitve in različne preiskave pred preiskavo preiskovalnega odbora
(a) Complaints to the FSA and various inquiries preceding EQUI
Glej del IV, oddelek III. , kažejo, da se odškodninski postopki niso začeli niti podlagi pritožb, ki so jih zavarovanci predložili organu za finančne storitve po krizi, niti na podlagi poznejših uradnih preiskav.
See Part IV, Section III. indicate that neither complaints submitted by policyholders to the FSA after the crisis, nor any of the subsequent official inquiries have resulted in redress.
Dejansko se vprašanja odgovornosti in mogoče odškodnine niso niti obravnavala v opisu nalog teh preiskav ali bila izrecno izključena iz njih.
Indeed, matters of liability and possible redress were either not addressed or explicitly excluded from the terms of reference of those inquiries.
Gradivo, ki je na voljo odboru
Material made available to the committee
Glej del IV, oddelek IX, točka 4.a. , ne podpira obtožb, da organ za finančne storitve ni pravilno obravnaval zavarovancev iz Irske in Nemčije, ki so mu pošiljali pritožbe ali zahteve po informacijah.
See Part IV, Section IX point 4.a. does not support allegations of a failure by the FSA to deal appropriately with policyholders from Ireland and Germany approaching them with complaints or requests for information.