ACM refuses action against the cartel of banks


ACM stands for Authority Consumers and Markets. According to Dutch law they are responsible for upholding general European Consumer Rights and they should protect the consumers and markets against cartels.

I have first hand experience that the ACM refuses to limit the criminal behavior of bankrobber gangs like the Rabo bank, ABN-AMRO bank and ING bank.


24 Sept 2019 I asked the ACM:

  1. Enforce the European Consumer Rights

  2. End the cartel of banks.

    The financial corporations in the Netherlands all have similar interest rates for credit. These rates are far higher than before the credit crunch of 2008, while the interest rates on the money markets are much lower.

    • The interest rates for credit in the Netherlands are more than FOUR times higher than in Germany.

    • The financial corporations recovered quickly from the credit crunch because they have stolen billions of euro's from the people of the Netherlands.

      The Minister of Finance, the Dutch Central Bank and the financial corporations have made cartel agreements about this.

      They also decided, that consumers with credit should be punished for having credit. Het Financieel Dablad (Financial Journal) stated on 21 March 2016 in the article 'Banken rekenen rentevoordeel niet door aan klanten die rood staan':

      A top banker, who does not want his name to appear in the newspaper, states that the debit interest rate must also contain a punitive element. If the debit interest rate is too low, that aspect is omitted.

    • Bankers, the Dutch Central Bank and the Minister of Finance have made secret criminal agreements to force the Dutch consumers to pay for the credit crunch. In my opinion, this is High Treason and it should be regarded as a capital offense.


19 Nov. 2019 they wrote back:

  • We refuse to take action against the cartel of banks, because you are not an interested party according to the Algemene Wet Bestuursrecht (Translation: General Law Governing Rights).

This is their answer:















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Toleration policy

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.

Corrupt Ministers of finance


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Grand theft since 1995

Paradise for financial criminality


The Netherlands is a paradise for financial criminality. Large financial corporations steal and rob as much as they want.

Rule of law became a Rule of favors


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.

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