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.

7211 Comments

Reply lebron james shoes
3:44 PM on February 26, 2022 
I am also writing to let you be aware of of the really good discovery my wife's girl obtained studying your blog. She even learned many pieces, including how it is like to possess an amazing helping style to make the mediocre ones smoothly learn several multifaceted subject matter. You truly surpassed people's expectations. I appreciate you for delivering the informative, trustworthy, edifying as well as unique thoughts on your topic to Evelyn.
lebron james shoes http://www.lebronjames.us.com
Reply yeezy 350
2:53 PM on February 26, 2022 
I would like to express appreciation to this writer for bailing me out of such a difficulty. After checking throughout the online world and getting strategies which are not pleasant, I thought my entire life was well over. Living without the strategies to the issues you have resolved by way of this guide is a serious case, as well as the kind that might have negatively affected my career if I had not encountered your web page. Your own personal expertise and kindness in controlling all the things was useful. I don't know what I would have done if I hadn't encountered such a stuff like this. It's possible to at this moment relish my future. Thanks for your time so much for your reliable and results-oriented help. I won't think twice to refer your web sites to any person who needs to have support on this situation.
yeezy 350 http://www.yeezy350v2s.com
Reply supreme clothing
2:53 PM on February 26, 2022 
A lot of thanks for every one of your work on this web site. Debby delights in setting aside time for internet research and it's easy to understand why. My partner and i notice all concerning the dynamic method you convey efficient ideas via your web site and recommend response from website visitors on the theme plus our own girl is really learning a whole lot. Take advantage of the remaining portion of the year. You are doing a fantastic job.
supreme clothing http://www.supreme-clothings.us.com
Reply golden goose sneakers
2:53 PM on February 26, 2022 
A lot of thanks for your own labor on this site. My mum delights in conducting investigations and it's simple to grasp why. We all learn all relating to the powerful medium you convey both useful and interesting secrets on this blog and as well improve participation from some others about this concern plus my daughter is studying a lot of things. Enjoy the remaining portion of the new year. You're the one carrying out a pretty cool job.
golden goose sneakers http://www.golden-goose.us
Reply off white nike
2:51 PM on February 26, 2022 
I enjoy you because of every one of your labor on this blog. Betty takes pleasure in managing research and it's really easy to see why. We learn all about the dynamic medium you present useful secrets through the website and foster response from the others on that subject matter plus our simple princess is always discovering a lot of things. Take pleasure in the remaining portion of the year. You're the one performing a pretty cool job.
off white nike http://www.offwhites.us.com
Reply bape clothing
2:51 PM on February 26, 2022 
Needed to compose you that very small note to help say thanks yet again for these unique opinions you have discussed on this website. This has been simply surprisingly open-handed of people like you giving without restraint all that many individuals would've offered for an ebook in making some dough for their own end, notably given that you could possibly have tried it in the event you considered necessary. These techniques as well worked to become fantastic way to fully grasp that other people have the identical interest much like my personal own to learn a lot more in respect of this matter. I believe there are some more fun sessions in the future for people who check out your blog post.
bape clothing http://www.bape-clothing.us
Reply adidas yeezy
2:51 PM on February 26, 2022 
I in addition to my guys were checking out the nice ideas found on your web site while unexpectedly I got an awful feeling I had not thanked the web site owner for them. All of the young men are actually certainly stimulated to read through them and have certainly been tapping into these things. I appreciate you for truly being very considerate and also for settling on this form of fabulous things most people are really desperate to discover. My personal sincere apologies for not saying thanks to sooner.
adidas yeezy http://www.yeezysadidas.us
Reply yeezy
2:42 PM on February 26, 2022 
Thank you so much for giving everyone remarkably marvellous chance to read from here. It is always so sweet and as well , full of a good time for me personally and my office colleagues to visit your site minimum thrice in a week to study the fresh stuff you have got. Not to mention, I'm just certainly impressed with your good tips and hints served by you. Selected 1 tips in this posting are really the best I've ever had.
yeezy http://www.yeezyboost380.us.com
Reply golden goose outlet
8:59 AM on February 26, 2022 
My spouse and i ended up being now joyful Michael managed to carry out his basic research from your ideas he discovered when using the weblog. It's not at all simplistic to just find yourself freely giving concepts which other people have been making money from. We already know we have got the website owner to appreciate for this. The main illustrations you've made, the simple web site menu, the friendships you make it possible to promote - it's all exceptional, and it's really assisting our son in addition to us consider that this content is thrilling, and that's really important. Thanks for all the pieces!
golden goose outlet http://www.goldengooseshoes.us.org
Reply golden goose
8:57 AM on February 26, 2022 
I precisely wanted to thank you very much once again. I do not know what I might have taken care of without the entire basics revealed by you about my topic. It had been a real intimidating scenario in my opinion, however , taking a look at this expert strategy you treated it forced me to leap for delight. I'm grateful for this assistance and in addition sincerely hope you know what an amazing job you're accomplishing training other individuals via your website. I am sure you have never met any of us.
golden goose http://www.goldengoosesneakers.us.org
Reply yeezy 500
8:56 AM on February 26, 2022 
I simply desired to thank you very much once again. I do not know the things that I could possibly have followed in the absence of these opinions revealed by you directly on such theme. Entirely was the hard concern in my view, but witnessing this well-written fashion you handled that forced me to weep over contentment. Extremely thankful for the service and then have high hopes you are aware of an amazing job you are always getting into instructing the rest through your websites. Most likely you've never come across any of us.
yeezy 500 http://www.yeezy-shoes.us.org
Reply kobe byrant shoes
8:31 AM on February 26, 2022 
I am glad for writing to let you be aware of of the perfect encounter my friend's princess found checking your site. She mastered too many details, not to mention what it is like to have an awesome teaching spirit to get men and women clearly know a number of grueling issues. You undoubtedly did more than readers' expectations. Thanks for providing the necessary, healthy, explanatory and even fun thoughts on this topic to Jane.
kobe byrant shoes http://www.kobe-shoes.us.com
Reply retro jordans
7:56 AM on February 26, 2022 
I and my pals have already been following the great hints found on your website and then at once I got a terrible suspicion I had not expressed respect to the blog owner for those strategies. The young boys appeared to be so joyful to read them and now have very much been enjoying these things. Thanks for getting really thoughtful and also for picking certain helpful topics millions of individuals are really desirous to discover. Our own sincere regret for not saying thanks to sooner.
retro jordans http://www.retro-jordans.us.com
Reply off white shoes
5:36 AM on February 25, 2022 
Needed to write you a little remark just to thank you very much as before regarding the lovely solutions you've contributed in this case. This has been quite unbelievably generous with you to offer easily precisely what many individuals could possibly have offered for sale as an e-book to end up making some dough for their own end, principally considering that you could have done it if you considered necessary. These strategies additionally served as the great way to be sure that other individuals have the same dreams much like my own to see much more pertaining to this condition. I am sure there are millions of more enjoyable opportunities ahead for those who looked at your blog post.
off white shoes http://www.off-whiteshoes.us.com