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:
Enforce the European Consumer Rights
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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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.