natgillin/translations-raw huggingface dataset:
“ SEYMOUR, ki je direktor Akcijske skupine zavarovancev družbe Equitable (EMAG) z glavno odgovornostjo za zavarovance, ki niso iz Združenega kraljestva, je odbor obvestil, da je prav tako prejel pisma nemških zavarovancev, ki so se pritožili, ker niso dobili finančnih poročil v svojem jeziku.
Mr SEYMOUR, who is a director of the Equitable Members Action Group (EMAG) with main responsibility for non-UK based policyholders, informed the committee that he too received letters from German policyholders who complained of a lack of financial reports in their language.
THOMSON je v WE 21-CONF potrdil, da se dokumenti v zvezi z letno skupščino družbe ter poročila in izkazi zdaj objavljajo v angleškem jeziku, „ ker je zaradi prevajanja dokumentov prišlo do zamude “.
In WE 21-CONF it is confirmed that documents relating to the Annual General Meeting as well as reports and accounts are now issued in English " as the translations of documents was causing some delay ".
Ko je bil THOMSON vprašan, ali verjame, da je takšno ravnanje v skladu s tretjo direktivo o življenjskem zavarovanju, je v H8 navedel, da „ po njegovem mnenju s tem ne kršijo zahtev “.
When asked whether he believes that such practice is in accordance with the Third Life Directive Mr THOMSON responded in H8 that " as I understand it, it does not breach our requirements ".
Zahteva o obveščanju zavarovanca v jeziku države članice obveznosti iz Priloge III h konsolidirani direktivi o življenjskem zavarovanju (glej točko 3.a.) je dejansko povezana le z informacijami iz priloge, ki ne vključujejo dokumentacije, na katero se sklicujeta WEYER in SEYMOUR.
The requirement to communicate information to the policyholder in the language of the Member State of the commitment, laid down in Annex III of the consolidated Life Directive (see point 3. a.) below), indeed relates only to the information listed in the Annex, which does not include the documentation referred to by Mr WEYER and Mr SEYMOUR.
Pisni in ustni dokazi, ki jih je odbor prejel od irskih in nemških zavarovancev, kažejo, da so imeli zavarovanci precejšnje težave, ko so si prizadevali za pridobitev odškodnine.
Written and oral evidence received by the committee from Irish and German policyholders suggests that they have faced particular difficulties in their efforts to obtain redress.
Ker se je večina oškodovanih zavarovancev, ki niso iz Združenega kraljestva, najprej obrnila na svoje nacionalne organe, se ta oddelek začne s kratko predstavitvijo odgovornosti tujih držav članic v zvezi z varstvom potrošnikov, kot so določene v tretji direktivi o življenjskem zavarovanju.
Since most of the aggrieved non-UK policyholders first turned to their respective national authorities, this section begins by briefly outlining the responsibilities of host Member States in terms of consumer protection as laid down in the Third Life Directive.
Potem so obravnavane vloge in ukrepi irskih in nemških regulativnih organov v zvezi z družbo Equitable Life s posebnim poudarkom na zagotavljanju pomoči oškodovanim zavarovancem.
Subsequently, the roles played, and actions undertaken, by Irish and German regulatory authorities in relation to Equitable Life are explored with particular reference to providing assistance to aggrieved policyholders.
a) Nadzorni organi v državi članici obveznosti
Supervisory authorities in the Member State of commitment
Vloga in pristojnosti organov tuje države na podlagi tretje direktive o življenjskem zavarovanju
Role and powers of host Member State authorities under the 3rd Life Directive (3LD)
V je WE 41 Komisija na podlagi tretje direktive o življenjskem zavarovanju začrtala razdelitev pooblastil in odgovornosti med organi domače države članice in tujih držav članic.
In WE 41, the Commission outlines the division of powers and responsibilities between authorities of home and host Member States under the 3LD.
Tako je na podlagi člena 10(2) direktive „ za finančni nadzor zavarovalnice, vključno s posli, ki jih opravlja prek podružnic ali iz naslova svobode opravljanja storitev, pristojna izključno domača država članica“.
Thus, according to Article 10(2) of the Directive, " the financial supervision of an insurance undertaking, including that of the business it carries on either through branches or under the freedom to provide services shall be the sole responsibility of the home Member Sates ."
Po drugi strani si tuja država članica pridržuje pravico do nadzora poslovanja na svojem ozemlju.
On the other hand, the host Member State retains powers for supervising the conduct of business on its territory.
Prvič, člen 32 tretje direktive o življenjskem zavarovanju določa osnovno pravilo, da je na splošno treba pri policah za življenjsko zavarovanje upoštevati zakonodajo države obveznosti, tj. zakonodajo države, v kateri ima zavarovanec stalno prebivališče za zagotavljanje, da polico ureja zakonodaja, ki jo zakonodajalec pozna.
Firstly, Article 32 of the 3LD lays down the basic rule that the law applicable to Life assurance contracts must, in general, be that of the country of commitment, i.e. the country where the policyholder has his/her habitual residence in order to ensure that the contract is governed by law with which the policyholder is familiar.
Razen tega, „ ko zavarovalnica Skupnosti ustanovi podružnico ali izvaja storitve v drugi državi članici, lahko ta tuja država članica zahteva, da njeno poslovanje poteka v skladu z javnim interesom.
Furthermore, " when a Community insurer establishes a branch in, or provides services into, another Member State , that host Member State may require that its conduct of business rules that are justified by the general good should be respected.
Pristojne organe domače države zavarovalnice je treba seznaniti s temi pravili (glej člen 40(4)), tako da lahko domači organi o tem ustrezno obvestijo zavarovalnico.
These rules must be notified to the competent authorities of the insurer's home State (see Article 40(4)), so that the home authority can inform the insurer accordingly.
Razen tega lahko tuja država članica zahteva poznejše in nesistematično obvestilo o pogojih za police, ki jih uporablja zavarovalnica na njenem ozemlju, ‚da preveri skladnost z nacionalnimi določbami v zvezi z zavarovalnimi policami‘ (člen 45)“ (WE 41
In addition the host Member State may ask for ex post and non-systematic notification of the policy conditions used by an insurer in its territory 'for the purpose of verifying compliance with national provisions concerning assurance contracts' (Article 45) " (WE 41
Stran 3. ).
Page 3. ).
Komisija zagotavlja navodila glede uporabe koncepta javnega interesa v zavarovalniškem sektorju prek obrazložitvenega sporočila
The Commission provides guidance on the application of the concept of the general good in the insurance sector through an interpretative Communication
Obrazložitveno sporočilo Komisije o svobodi opravljanja storitev in javnem interesu v zavarovalniškem sektorju (2000/C 43/03). .
Commission Interpretative Communication on the freedom to provide services and the general good in the insurance sector (2000/C 43/03). .
Pravica domačih držav članic, da uporabijo pravila, ki so v javnem interesu, je omenjena na več mestih v tretji direktivi o življenjskem zavarovanju, na primer v zvezi z oglaševanjem, pri čemer člen 47 določa, da „ zavarovalnice lahko oglašujejo svoje produkte v tuji državi v skladu z vsemi pravili, ki urejajo obliko in vsebino takšnega oglaševanja in so sprejeta v javnem interesu “.
The right of home Member States to apply their rules in the interest of the general good is referred to in several places in the 3LD, for instance as regards advertising, where it is stipulated in Article 47 that " insurers can advertise their products in the host country subject to any rules governing the form and content of such advertising adopted in the interest of the general good ".
Tretja direktiva o življenjskem zavarovanju prav tako določa zahteve glede najnujnejših informacij, ki jih je treba sporočiti zavarovancu pred sklenitvijo police in med trajanjem njene veljavnosti (glej člen 36 v zvezi s Prilogo III).
The 3LD also lays down requirements in terms of minimum information that must be provided to the policyholder before the contract is concluded and throughout the term of the contract (see Article 36 in connection with Annex III).
Informacije med drugim vključujejo ureditve za obravnavo pritožb.
The information includes inter alia the arrangements for handling complaints.
V skladu s členom 36(3) lahko tuja država članica poleg informacij, naštetih v Prilogi III, zahteva še druge informacije, če so potrebne za pravilno razumevanje bistvenih elementov police.
According to Article 36(3), information in addition to that listed in Annex III may be required by the host Member State if it is necessary for a proper understanding of the essential elements of the contract.
Priloga III določa, da je treba predložiti informacije v pisni obliki in (običajno) v uradnem jeziku države članice, v kateri ima zavarovanec stalno prebivališče.
Annex III stipulates that the information must be provided in writing and (normally) in an official language of the Member State where the policyholder has his/her residence.
Strinjam se, da je skupna odgovornost domače in tuje države članice, da poskrbita za ustrezno poslovanje.
This, I would argue, is a joint responsibility of the home and the host to make sure that the business is being carried on properly.
Vendar je zavarovanec nedvomno upravičen do informacij v lastnem jeziku, v skladu s pogoji direktive“ (BEVERLY, H7).
But certainly, the policyholder is entitled to information in his own language, in accordance with the terms of the directive " (Mr BEVERLY, H7).
Komisija poudarja, da medtem ko „ lahko tuja država članica zahteva spoštovanje nekaterih njenih pravil …, je domača država članica končno odgovorna za zagotavljanje skladnosti zavarovalnice z določbami v zvezi z javnim interesom v različnih tujih državah članicah, kjer posluje (glej člen 13(3)(b) in člen 46(3)) “ (WE 41
The Commission emphasises, that while the " host Member State can require that certain of its rules be respected, ... the home Member State ... is ultimately responsible for ensuring compliance by the insurer with the provisions relating to the general good existing in the various host Member States in which it carries on its business (see Articles 13(3)(b) and 46(3)) " (WE 41
Ko tuja država članica ugotovi, da zavarovalnica ne upošteva veljavnih pravnih določb, mora družbo najprej pozvati, naj spremeni svoje poslovanje.
When the host Member State establishes that an insurance undertaking is not complying with the legal provisions applicable, it should first call on the undertaking to correct its behaviour.
V zvezi z odgovornostjo za obravnavo pritožb zavarovancev Komisija izjavlja naslednje: „ Glede na pomembno vlogo države članice obveznosti pri upravljanju informacij za zavarovance, vključno z informacijami o ureditvah za obravnavo pritožb , ter glede na pravico, dodeljeno tuji državi, da zahteva uporabo njenih pravil za poslovanje, ki jih upravičujejo javni interesi, Komisija meni, da mora država članica obveznosti prevzeti določeno odgovornost za sprejetje in obdelavo pritožb ter usmerjanje pritožnikov.
As regards responsibility for dealing with complaints by policyholders, the Commission states the following: " Given the important role given to the Member State of the commitment in the management of policyholder information, including information on the arrangements for handling complaints, and given the right accorded to the host State to require the application of its conduct of business rules justified by the general good, the Commission considers that the Member State of the commitment is obliged to assume a certain responsibility for the reception and processing of complaints and the guidance of complainants.
Če se pritožba nanaša na zadevo (finančni nadzor), ki je jasno odgovornost organa domače države, je to pritožbo mogoče posredovati temu organu“ (WE 41
If the complaint relates to a matter (financial supervision) which is clearly the responsibility of the home State authority, it can easily be passed on to that authority " (WE 41
V WE-CONF 18
In WE-CONF 18
Stran 8. je navedeno stališče, da je država obveznosti „ vedno morala imeti določeno vlogo pri svetovanju svojim državljanom, tudi zaradi jezikovnih težav “ in ker „ se potrošniki za nasvet navadno obrnejo na domači organ “.
Page 8. the view is taken that the country of commitment " always had a role to play in advising its citizens, not least given the problem of language " and because " consumers naturally look to their local authority to advise them ".
Glede na razdelitev odgovornosti Komisija poudarja pomen dobre izmenjave informacij in učinkovitega sodelovanja med nadzornimi organi tuje in domače države članice.
Given this split of responsibilities, the Commission emphasises the importance of good exchange of information and effective cooperation between the supervisory authorities of host and home Member State, respectively.
To kaže v sprejetju sienskega protokola (WE 55) leta 1997, ki so ga sprejeli nadzorni organi držav članic EU.
This is reflected by the adoption of the 'Siena Protocol' (WE 55) in 1997 by supervisory authorities of EU Member States.
Protokol določa pravila vedenja v zvezi z izmenjavo informacij in sodelovanjem med nadzornimi organi pri uporabi direktiv o zavarovalnicah.
The protocol determines rules of behaviour with regard to exchange of information and cooperation between supervisory authorities in the application of Insurance Directives.
Kljub temu Komisija v beli knjigi o politiki finančnih storitev za obdobje 2005–2010
The Commission acknowledges, however, in its White Paper on Financial Services Policy 2005-2010
Na voljo ni nobenega KOM dokumenta priznava potrebo po jasnejši opredelitvi vlog in odgovornosti domačih/tujih nadzornikov.
no COM number available. the need define the roles and responsibilities of home/host supervisors in greater clarity.
Irski zakonodajalci na področju financ
Irish financial regulators
Na Irskem je bil v času, ko je podružnica družbe ELAS še delovala, pristojni organ Ministrstvo za podjetja, trgovino in zaposlovanje (DETE), preden je bil maja leta 2003 ustanovljen irski regulativni organ za finančne storitve (IFSRA).
In Ireland, the competent authority during the time ELAS operated a branch was the Department of Enterprise, Trade and Employment (DETE) before the Irish Financial Services Regulatory Authority (IFSRA) was established in May 2003.
Kljub temu O'Deajeva v WE 65 in WE 80 trdi, da je IFSRA „ odgovoren le za ukrepe, ki jih je sprejel po 1. maju 2003 “.
Ms O'DEA, however, claims in WE 65 and WE 80 that IFSRA is " responsible only for actions taken by it since 1 May 2003 ".
Med srečanjem z delegacijo odbora v Dublinu 6. oktobra je O'Deajeva poudarila, da je IFSRA odgovoren le za „tekoče ukrepe“, kot so na primer pooblastila, odobrena pred letom 2003.
During the meeting with the committee delegation in Dublin on 6 October Ms O'Dea specified that IFSRA would only be responsible for 'continuing actions' such as for instance authorisations granted prior to 2003.
Odbor je nato pisno zaprosil IFSRA, kdo je odgovorni organ za ukrepe irskega zakonodajalca v zvezi z družbo ELAS, ki so bili sprejeti pred ustanovitvijo IFSRA, če ta organ ni IFSRA.
The committee subsequently asked IFSRA in writing, which is the authority, if not IFSRA, that is responsible and accountable for those actions of the Irish regulator in relation to ELAS which were 'completed' before the establishment of IFSRA.
IFSRA ni odgovoril.
IFSRA failed to reply.
Glej korespondenco med preiskovalnim odborom in IFSRA v WE 80. .
See correspondence between the Committee of Inquiry and IFSRA in WE 80.
Zato se zdi, da noben irski organ ne prevzema odgovornosti za dejanja irskega zakonodajalca v zvezi z družbo ELAS pred letom 2003.
Thus it appears that no Irish authority assumes responsibility for actions undertaken by the Irish regulator in relation to ELAS before 2003.
V zvezi s pravno ureditvijo družbe Equitable Life na Irskem je O'DEAJEVA v H4 in WE 61 poudarila odgovornost organov Združenega kraljestva za finančni in bonitetni nadzor irske podružnice v skladu s tretjo direktivo o življenjskem zavarovanju.
With regard to the regulation of Equitable Life in Ireland, Ms O'DEA emphasised both in H4 and in WE 61 the UK authorities' responsibility for financial and prudential supervision of the Irish branch according to the 3LD.
V smislu ureditve poslovanja je izjavila naslednje: „ V času od pregledovanja datotek, ki smo jih prejeli, se zdi, da so bila uvedena le pravila javnih interesov, ki jih določa direktiva.
In terms of conduct of business regulation she stated the following: " At the time, from an examination of the files that were passed to us, it appears that the only rules that were imposed were the ‘general good’ rules set out in the directive.
Države članice so lahko prosto uporabljale dodatna pravila poslovanja, kot je na primer storilo Združeno kraljestvo.
Member States were free to apply additional conduct of business rules as, for example, the UK did.
Irska takrat ni uporabila dodatnih pravil poslovanja, vendar pa mislim, da se je pri tem uporabila beseda obvezno.
Ireland did not apply additional conduct of business rules at that time, but I think the word ‘obliged’ was used there.
Irska in nobena druga država članica ni bila obvezana, da to stori, in menim, da je bilo to za Združeno kraljestvo v tistem času precej nenavadno“ (H4).
There was no obligation on Ireland, or on any other EU Member State, to do that and I think the UK probably would have been particularly unusual at the time " (H4).
Odbor je od IFSRA poskušal pridobiti dodatne informacije, ali so takrat sploh veljala katera koli irska pravila o poslovanju, na primer v zvezi z zlorabo pri prodaji, ter je prejel naslednji odgovor (WE 80): „ Podzakonski akt 360 iz leta 1994 ... določa, da morajo zavarovatelji upoštevati določeno zakonodajo, vključno z Zakonom o obveščanju potrošnikov iz leta 1978, Zakonom o prodaji izdelkov in izvajanju storitev iz leta 1980 ter zakonodajo o potrošniških kreditih, ki jo je sprejela država.
The committee sought to obtain further information from IFSRA as to whether at all any Irish conduct of business rules at all were applicable at the time, for instance in relation to mis-selling, and received the following response (WE 80): " Statutory Instrument 360 of 1994 ... provide[s] that insurers are required to comply with specified legislation, including the Consumer Information Act of 1978, the Sale of Goods and Supply of Services Act 1980 and consumer credit legislation adopted by the State.
Te zahteve so se izvajale prek sodišč ...
These requirements were and are enforceable through the Courts... ".
“ Na podlagi WE-CONF 9 se zdi, da britanski zakonodajalec nikoli ni bil obveščen o teh pravilih.
From WE-CONF 9 it appears that the British regulator was never notified of these rules.
Po glavnih dogodkih v družbi Equitable, in sicer 1. februarja 2001, so se na Irskem uvedla pravila o poslovanju življenjskih zavarovalnic z določbo o življenjskem zavarovanju iz Predpisov o informacijah iz leta 2001.
After the main events at Equitable, namely on 1 February 2001, conduct of business rules specific to the life insurance were imposed in Ireland through the Life Insurance Provision of Information Regulations 2001.
Glede na obvestilo dokumenti, ki so bili poslani britanskemu zakonodajalcu 29. julija 2002 (tj. po zaprtju irske podružnice družbe ELAS 8. julija 2002), določajo „ razkritje informacij ob prodaji življenjskega zavarovanja posameznim kupcem “ (WE-CONF 9).
According to the notification papers sent to the British regulator on 29 July 2002 (i.e. after the closure of ELAS Irish branch on 8 July 2002), they provide for " disclosure of information at point of sale to individual purchasers of life assurance " (WE-CONF 9).
O'DEAJEVA je obvestila odbor, da se je položaj irskih potrošnikov od takrat še dodatno izboljšal z nedavno uvedbo Pravilnika za varstvo potrošnikov (ki je nadomestil vmesni Kodeks za zavarovalnice iz leta 2003), ki med drugim določa podrobne zahteve glede količine in vrste informacij, ki jih morajo vedeti potrošniki (glej H4 in WE 61).
Ms O'DEA informed the committee that the position of Irish consumers has been further improved since through the recent introduction of Consumer Protection Code (replacing an interim Code of Conduct for Insurance Undertakings set up in 2003) that lays down, among other things detailed requirements as to the amount and type of information to be provided to consumers (see H4 and WE 61).
IFSRA je v H4 dodala, da „ razvija upravne sankcijske postopke, ki nam bodo dopuščali uvedbo sankcij za podjetja, ki so resno kršila ta pravilnik “.
IFSRA added in H4 that it is " developing administrative sanctions procedures which will allow us to impose sanctions on a firm which has committed a serious breach of the code ".
Med srečanjem 6. oktobra 2006 v Dublinu je delegacija odbora IFSRA prosila za informacije, ali je imel irski zakonodajalec na področju financ stike z britanskimi zakonodajalci v zvezi s položajem družbe Equitable Life in glede možnih posledic za irske zakonodajalce med kritičnim obdobjem med 1998 in 2000, ter zahtevala kopije zadevne korespondence med irskimi zakonodajalci in zakonodajalci Združenega kraljestva.
During the meeting on 6 October 2006 in Dublin, the committee delegation also sought information from ISFRA as to the whether the Irish Financial Regulator had been in contact with their UK counterparts concerning Equitable Life's situation and possible implications for Irish policyholders during the critical period between 1998 and 2000 and requested copies of relevant correspondence between Irish and UK regulators.
O'Deajeva je izjavila, da „ je mogoče predvidevati, da je takšna korespondenca obstajala “, vendar je zatrdila, da IFSRA ne bi dovolila njihovega razkritja, ker bi vsebovali informacije, ki veljajo za zaupne v skladu z direktivo EU o življenjskem zavarovanju.
Ms O'Dea said that one " may assume that there has been such correspondence " but claimed that IFSRA would not be allowed to disclose it, because it would contain information that is to be regarded as confidential under the EU Life Directive.
Odbor je v naslednjem pismu IFSRA ponovno navedel to zahtevo.
The committee maintained its request in a subsequent letter to IFSRA.
IFSRA je odgovoril z izjavo, „ pregledali bomo informacije v dokumentih, ki so v naši lasti, da bi našli vso zadevno korespondenco v zvezi z obdobjem, ki ga navajate v svojem pismu ; pred vsakim razkritjem pa potrebujemo dovoljenje organov Združenega kraljestva in družbe Equitable Life “ (glej WE 80).
IFSRA replied, stating that " we will now conduct a review of the information contained on the files in our possession with a view to identifying any suitable correspondence relating to the period specified in your letter; permission must then be obtained from the UK authorities and Equitable Life prior to any disclosure " (see WE 80).
Pisni dokazi, ki jih je prejel odbor,
Written evidence received by the committee
Glej na primer WE 3. kažejo, da so se nekateri irski zavarovanci obrnili na IFSRA zaradi odškodnine.
See for instance WE 3. suggests that some Irish policyholders turned to IFSRA for redress.
To je potrdila O'DEAJEVA v WE 80: „[Predhodnik IFSRA] takrat ni prejel nobenih pritožb.
This is confirmed by Ms O'DEA in WE 80: " No complaints were received at that time [by IFSRA's predecessor].
Vendar po mnenju O'DEAJEVE irski zakonodajalec resnično nima pooblastila za obravnavo pritožb potrošnikov proti finančnim družbam, prav tako ni pooblaščen za dodeljevanje odškodnin potrošnikom, ker so ta pooblastila podeljena irskemu varuhu človekovih pravic za finančne storitve (glej spodaj).
However, according to Ms O'DEA, the Irish regulator generally does not have the power to adjudicate on consumer complaints against a financial firm nor to award compensation to customers, since these powers have been vested in the Irish Financial Services Ombudsman (see below).
Irski zakonodajalec je navedel, da je kljub temu poskušal pomagati irskim zavarovancem.
The Irish regulator indicated that it has nevertheless sought to assist Irish policyholders.