AFM stands for Authority Financial Markets. According to Dutch law they are responsible for upholding European Consumer Rights on financial products. And they should enforce lawful behavior of financial corporations.
I have first hand experience that the AFM refuses to do any of that.
10 Oct 2020 I asked the AFM:
Order the Rabo bank to repay the money they have stolen from my bank account with interest manipulation, in accordance with European Consumer Rights.
Give the Rabo bank the highest possible fine for interest manipulation.
The Rabo bank is a notorious repeat offender. In the Libor affair they settled in the USA for a billion dollar. In the Netherlands they continue with interest manipulation, supported by the entire political system of the Netherlands.
Ask the OM (Public Prosecutors Office) to start a criminal case against the Rabo bank robbers gang.
1 Dec. 2020 they wrote back:
We refuse to consider your complaints, because you are not an interested party according to the General Law Governing Rights.
This is their answer:
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When a webpage has a facebook-button, the website sends a message with the page and your ip-number to facebook. With a twitter-button, twitter gets that information. Facebook and twitter have vast datafiles linked with your ip-number. Facebook knows more about you, than the NSA knows about the most wanted terrorist.
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I do not participate with facebook, twitter et cetera because of the privacy-violations and the anti-social behavior of this kind of media. Anti-social media stimulate autistic and narcissistic behavior.
is an extremely insidious law of the Netherlands
that robs all citizens from all their legal rights
and gives civil servants absolute power to punish and torment a person or small business whenever they feel like it
Artikel 120 of the Dutch constitution says:
When evaluating a case in the court of law, the judge is not allowed to ignore a law that is unconstitutional.
The political hooligans of the Netherlands did create a loophole in the constitution, that invalidates the whole constitution.
The political hooligans can make laws that violate the constitution and the courts have to apply them, according to article 120 of the Dutch constitution.
The Netherlands developed an extremely insidious policy, which they call 'Gedoogbeleid' (Toleration policy.) They tolerate gross violations of the law, when it suits their purpose. When they don't like you, they have an enormous arsenal of outrageous laws to punish and torment minorities and people who are different.
In this century, all Ministers of finance of the Netherlands refused to protect the people against criminal financial corporations. Every bit of decency has been sold or leased. The whole political system is rotted down to the core.
Since 1995 Ministers of Finance have been warned for criminal products and schemes, like loan shark policies, interest manipulation, et cetera.
All Ministers of Finance protected the criminal bankers. After their 'tour-of-duty' in politics they harvest their rewards.
The Netherlands is a paradise for financial criminality. Large financial corporations steal and rob as much as they want.
The Minister of Finance and the Dutch Central Bank should regulate these corporations, but they refuse to do so.
After their 'tour-of-duty' in Dutch politics, former Ministers of Finance and members of parliament are rewarded by the financial corporations with very lucrative 'jobs'.
The AFM (Authority Financial Markets) should protect the European Consumer Rights when it comes to financial products sold to consumers, but they refuse to accept any complaints from consumers.
The ACM (Authority Consumers and Market) should protect against abuse of power by cartels, but they behave like a criminal organization.
Toleration policy is the translation of the Dutch word 'Gedoogbeleid'. It is an extremely insidious policy.
It means that the authorities decide if they tolerate violations of the law or that they punish you for it. When you have friends in 'the system', you get away with everything. When 'the system' wants to trample you, the civil servants have an enormous arsenal of laws, that nobody can keep.
The Rabobank is a monoplolist in lending to Dutch farmers. Rabobank provides work for the appraisers. They are fully dependent on Rabobank and follow its instructions. These appraisers have driven up the price, following instructions of the Rabo bank.
1 ha (10,000 m2) costs more than 80,000 euro.
The real value is between 7500 and 15,000 euro.
The farmers pay interest to the Rabo bank. The EU taxpayers pay for this scheme.