Shopping Cart
Your Cart is Empty
Quantity:
Subtotal
Taxes
Shipping
Total
There was an error with PayPalClick here to try again
CelebrateThank you for your business!You should be receiving an order confirmation from Paypal shortly.Exit Shopping Cart

geld is een middel, geen doel

Blog

Blog

Faux pas van Van Vroonhoven?

Posted on April 14, 2014 at 5:05 AM

Toegegeven, ik heb het uit de tweede hand. Ik lees op AM-web: “Van Vroonhoven heeft de ‘woekerpoliscultuur’ zelf meegemaakt, als directielid van Nationale-Nederlanden, hoewel ze zelf niet verantwoordelijk was, schrijft het FD. “De intentie was nooit om slechte verzekeringsproducten te verkopen”, zegt ze nu tegen het FD. “Maar ik heb de druk van de commercie zelf ervaren. Ieder jaar moest de winst weer iets groter zijn. Ruimte voor tegengeluiden was er niet.”

 

Het gaat over Merel van Vroonhoven, sinds kort bestuursvoorzitter van de Autoriteit Financiele Markten, de toezichthouder op het gedrag van de financieel dienstverleners richting de consument. De toezichthouder, die er moest komen om de consument te beschermen tegen de cultuur, die er – zeker sinds de jaren negentig – ging heersen binnen financieel dienstverleners om niet langer VOOR de consument geld te gaan verdienen maar AAN de consument. De eerste aanzetten voor deze vorm van toezicht waren er al eind jaren negentig / begin van deze eeuw. En de argumenten om tot dit soort toezicht te komen werden versterkt door de twee grote schandalen die Nederland begin deze eeuw kende: de aandelenleaseaffaire en de woekerpolisaffaire.

 

Het zijn beide affaires, waar ING / Nationale Nederlanden een grote rol in heeft gespeeld. En waarin NN nog steeds een grote rol speelt. En waarin NN nu via het Europees Hof probeert om uitgesproken te krijgen dat levensverzekeraars vroeger de klant helemaal niet over kosten e.d. zouden hebben hoeven te informeren.

 

Niet bekend?

 

In de Consumentengids van december 1980 (!!) heeft de Consumentenbond zich al druk gemaakt over de hoge kosten in levensverzekeringen. Na opkomst van de beleggingsverzekeringen begin negentiger jaren hebben verschillende mensen de kat de bal al aangebonden. De broers Ivo en Falco Valkenburg stelden toen al verschillende jaren rapporten op, waarin zij constateerden dat er wel erg veel geld uit beleggingsverzekeringen van de consument richting verzekeraars verdween. Die rapporten hebben zelfs tot Kamervragen geleid. Prof. Arnoud Boot heeft ook toen al een behoorlijke duit in het zakje gedaan.

 

En ik kwam laatst nog een artikel van mezelf tegen uit het blad Money van 1997, waarin ik de consument probeerde te waarschuwen voor de verborgen kosten in dit soort constructies.

 

Maar de trein denderde voort (over de consument heen) en niemand hoorde het geroep van mensen als de broers Valkenburg en Boot.

 

Als dit – wat ik gelezen heb – inderdaad het antwoord van Van Vroonhoven is dan betreur ik dat zeer. Je zou willen dat ze zou krachtiger zou hebben gezegd: “Ja, in die jaren ben ik er achter gekomen dat Nationale Nederlanden evident verkeerde producten aan het verkopen was. Ik heb geprobeerd dat schip te keren. Maar met zo’n mammoettanker lukt dat niet in je eentje. Dus ben ik maar wat anders gaan doen.”

 

Van René Frijters van KNAB heb ik wel eens gehoord dat hij – toen hij bij DSB binnen liep – eigenlijk al na een dag besefte dat het zijn club niet was. Zijn professionaliteit maakte dat hij er toch wat langer bleef zitten. Maar uiteindelijk stapte hij toch maar op. Dát is krachtig.

 

Op zichzelf lijken de intenties van Van Vroonhoven ook wel goed. Tenminste als ik af mag gaan op het interview in managementscope van 1 september 2005. (klik hier naast ........) Maar met zo’n vaag antwoord als in AM beschreven is (nogmaals: als dát is wat ze gezegd heeft) maakt ze wat mij betreft geen goede eerste beurt. Ik ben het meestal niet zo eens met de azijnpissers die anoniem reageren op AM-web. Maar dit keer kan ik me de reactie van velen wel voorstellen.

 

Oké: iedereen kan een misstapje maken. Hopelijk laat Merel van Vroonhoven op korte termijn zien dat ze weet in welke positie ze nu zit. Een toezichthouder die is ingesteld om de consument te beschermen tegen wolverige financieel dienstverleners.

Want ik constateer in mijn boek ‘De consument is financieel bewusteloos . . . nou en?’ dat een zeer grondige verandering in het denken én gedrag van veel banken en verzekeraars nog steeds keihard nodig is.

 

En daar is (helaas) nog steeds een krachtige gedragstoezichthouder voor nodig. M.n. omdat de consument niet of nauwelijks een stem in het kapittel heeft en Van Vroonhoven die consument stem moet geven.




Categories: Consumentenbelangen

Post a Comment

Oops!

Oops, you forgot something.

Oops!

The words you entered did not match the given text. Please try again.

5159 Comments

Reply cheap curry 6
12:15 AM on August 15, 2022 
My wife and i felt now thankful when Raymond managed to round up his web research through your precious recommendations he grabbed from your very own web page. It is now and again perplexing just to always be giving for free secrets and techniques that many some people might have been making money from. We really understand we have the writer to thank because of that. The most important illustrations you have made, the straightforward site menu, the friendships you make it easier to instill - it's most excellent, and it's making our son in addition to the family understand this article is entertaining, which is extraordinarily indispensable. Many thanks for all the pieces!
cheap curry 6 http://www.curry-6.us
Reply supreme
12:12 AM on August 15, 2022 
I and also my pals have been going through the best hints located on the blog and the sudden I got a terrible suspicion I never expressed respect to you for those secrets. Those people ended up certainly passionate to learn all of them and have now definitely been tapping into those things. Many thanks for truly being very thoughtful and also for picking out this kind of superior subject areas most people are really eager to understand about. My personal sincere apologies for not expressing appreciation to sooner.
supreme http://www.supremeclothing.us.org
Reply air jordans
12:12 AM on August 15, 2022 
I am also writing to let you know what a wonderful encounter my princess had reading through your web page. She mastered a lot of things, with the inclusion of what it's like to have a great coaching mindset to have men and women without difficulty completely grasp various multifaceted things. You truly surpassed her desires. Thanks for producing those valuable, dependable, educational and in addition cool thoughts on that topic to Tanya.
air jordans http://www.cheap-airjordans.us.com
Reply jordan retro
12:11 AM on August 15, 2022 
My wife and i have been absolutely satisfied that Michael managed to complete his homework with the precious recommendations he obtained in your web pages. It is now and again perplexing to just continually be offering solutions which a number of people could have been trying to sell. So we consider we have the writer to thank for that. All of the illustrations you've made, the simple site navigation, the relationships you can give support to engender - it's got everything astonishing, and it is leading our son and our family believe that this content is interesting, and that is quite indispensable. Many thanks for the whole thing!
jordan retro http://www.retro-jordans.us.com
Reply kyrie 7 shoes
11:29 PM on August 14, 2022 
I wanted to write you a tiny observation just to thank you very much the moment again just for the fantastic guidelines you've shown on this site. This is really generous of people like you to supply freely what many individuals could possibly have distributed for an e book to end up making some profit for themselves, and in particular since you might well have done it if you decided. These good tips also worked to become a good way to fully grasp that many people have a similar passion much like mine to figure out a great deal more in terms of this matter. I am certain there are a lot more fun sessions ahead for folks who check out your site.
kyrie 7 shoes http://www.kyrie7.us
Reply cheap stephen curry shoes
10:27 PM on August 14, 2022 
My wife and i felt lucky Emmanuel could finish off his reports through the entire precious recommendations he grabbed from your own web site. It is now and again perplexing to simply find yourself making a gift of ideas that some people have been making money from. And we also recognize we've got the blog owner to appreciate because of that. All of the explanations you've made, the easy web site navigation, the friendships you can make it easier to create - it is mostly fabulous, and it's really aiding our son in addition to us reckon that the subject matter is thrilling, and that's rather indispensable. Thank you for the whole thing!
cheap stephen curry shoes http://www.curry-shoes.net
Reply tobiconnors
10:15 PM on August 14, 2022 
pretty little thing rust dress zach wilson falcons jersey christian louboutin snakeskin heels mens rave hats
tobiconnors http://www.tobiconnors.com/
Reply hermes belts
10:02 PM on August 14, 2022 
I just wanted to make a brief remark in order to appreciate you for some of the wonderful tips and hints you are giving out on this site. My extended internet lookup has at the end of the day been honored with reliable facts and techniques to share with my companions. I would repeat that many of us visitors actually are rather fortunate to live in a great community with so many brilliant people with very helpful secrets. I feel pretty privileged to have used the webpage and look forward to some more thrilling minutes reading here. Thanks a lot once more for everything.
hermes belts http://www.hermesbelts.us.org
Reply yeezy boost
9:43 PM on August 14, 2022 
Thanks a lot for providing individuals with an extremely terrific opportunity to check tips from this blog. It's always very amazing plus full of fun for me and my office co-workers to visit your web site no less than 3 times per week to see the newest secrets you have. And of course, I'm also certainly astounded concerning the beautiful ideas you serve. Some 2 points in this post are ultimately the simplest we have all had.
yeezy boost http://www.yeezy-shoes.us.org
Reply kevin durant shoes
9:42 PM on August 14, 2022 
My spouse and i were really delighted when John managed to finish off his researching because of the ideas he made from your very own web page. It is now and again perplexing to simply choose to be giving freely secrets and techniques which usually other people may have been trying to sell. And we do know we need the writer to thank for this. The most important explanations you've made, the straightforward web site navigation, the friendships you will help instill - it is most superb, and it's really leading our son and our family do think this subject is brilliant, which is certainly rather essential. Thank you for all!
kevin durant shoes http://www.kevindurant-shoes.us.com
Reply birkin bag
9:42 PM on August 14, 2022 
I would like to show my appreciation to this writer for rescuing me from this condition. Right after surfing through the the net and finding views which are not helpful, I thought my entire life was well over. Existing devoid of the strategies to the difficulties you've fixed by way of the post is a crucial case, and the ones which may have badly affected my entire career if I had not encountered your web page. That ability and kindness in playing with all the things was important. I don't know what I would've done if I hadn't encountered such a stuff like this. It's possible to now look ahead to my future. Thanks so much for this skilled and result oriented guide. I will not think twice to refer your site to anyone who desires guidelines about this matter.
birkin bag http://www.hermesbirkins.com
Reply yeezy
9:42 PM on August 14, 2022 
My spouse and i felt very happy when Ervin managed to do his web research while using the ideas he discovered when using the web site. It is now and again perplexing to just continually be making a gift of helpful tips which usually many others may have been selling. And we do understand we now have the writer to appreciate because of that. The most important explanations you've made, the simple website menu, the friendships you can make it easier to create - it's many exceptional, and it's facilitating our son in addition to the family understand this matter is satisfying, and that's especially indispensable. Thanks for the whole thing!
yeezy http://www.yeezyboost350.org
Reply off white outlet
9:41 PM on August 14, 2022 
I as well as my guys appeared to be viewing the nice secrets found on your web page and all of a sudden developed an awful feeling I had not thanked the web site owner for them. All the young boys appeared to be happy to see all of them and already have surely been using those things. Appreciation for genuinely so considerate and for having this kind of incredibly good resources most people are really desperate to learn about. My very own honest regret for not expressing gratitude to you earlier.
off white outlet http://www.off-whitehoodie.com
Reply slowcicle
8:53 PM on August 14, 2022 
mets throwback hat for cheap youth nhl jerseys chicago blackhawks 37 adam burish 2010 stanley cup new third white jerseys pandora legacy ring nike buffalo bills 94 mario williams light blue limited womens jersey ladies kurta dress comfy princess dresses
slowcicle http://www.slowcicle.com/
Reply supreme clothing
5:06 PM on August 14, 2022 
I have to voice my respect for your kind-heartedness for folks that should have guidance on that theme. Your special dedication to getting the message around appears to be especially advantageous and have continuously permitted some individuals just like me to attain their pursuits. The informative advice implies this much to me and much more to my office colleagues. Best wishes; from each one of us.
supreme clothing http://www.supremenewyork.us.com
Reply federalspare
2:51 PM on August 14, 2022 
cable knit newsboy hat pattern 2014 roberto carlos brazil jersey pandora nanny necklace women 2012 new nfl jerseys dallas cowboys 82 jason witten pink jerseys frozen dresses for little girls
federalspare http://www.federalspare.com/
Reply gtrelarm
12:58 PM on August 14, 2022 
iphone pro max 12 green puma mayze platform white g dragon para noise 2 cowboys indigenous jersey 2021 best football shirts 2019 carhartt beanie sportsmans warehouse
gtrelarm http://www.gtrelarm.com/
Reply cheap stephen curry shoes
11:42 PM on August 13, 2022 
I am just commenting to make you know what a beneficial discovery our daughter encountered checking your site. She realized plenty of details, with the inclusion of how it is like to have an ideal giving character to let certain people quite simply have an understanding of certain very confusing topics. You really exceeded readers' expectations. Many thanks for imparting those powerful, healthy, explanatory as well as easy tips about the topic to Janet.
cheap stephen curry shoes http://www.stephcurryshoes.com
Reply stocknara
10:00 PM on August 13, 2022 
michael kors raven bag brown nike nfl philadelphia eagles 10 desean jackson limited youth white road jersey sale peach baby dress mens nike chicago bears customized limited white nfl jersey sale comfortable christian louboutin shoes limited deangelo williams mens jersey pittsburgh steelers 34 road white nfl
stocknara http://www.stocknara.com/
Reply golden goose outlet
9:00 PM on August 13, 2022 
I in addition to my pals were found to be looking through the best things from your web site and so before long got a terrible suspicion I never thanked the web site owner for them. All the people became as a consequence very interested to learn all of them and already have surely been taking pleasure in them. Thank you for indeed being very kind and for going for variety of fantastic things millions of individuals are really needing to discover. My very own honest apologies for not expressing gratitude to you earlier.
golden goose outlet http://www.goldengoose-outlet.us.com