Danske Bank har angiveligt r\u00e5dgivet kunder til at spare i skat ved at optage g\u00e6ld i deres spanske hus. P\u00e5 den m\u00e5de kunne de bl.a. undg\u00e5 at betale arveafgifter. Pengene skulle bruges til at investere via Danske Banks bankselskab i Luxembourg, men i dag er store dele af kundernes formuer tabt, og derfor skal to af Danske Banks folk nu forklare sig i retten.<\/p>\n
Beskyldningerne g\u00e5r p\u00e5, at banken i processen b\u00e5de har vildledt kunderne og beg\u00e5et bedrageri. S\u00e5dan lyder det fra advokat Antonio Flores<\/strong> fra Lawbird Legal Services<\/strong> \u2013 et advokatkontor i Malaga, som f\u00f8rer en sag mod Danske Bank p\u00e5 vegne af nogle briter. Hans m\u00e5l er at f\u00e5 banken til at betale erstatning til kunderne.<\/p>\n Det skal tilf\u00f8jes, at han er afl\u00f8nnet efter en no cure, no pay-ordning, s\u00e5 han f\u00e5r en procentdel af erstatningerne, hvis han vinder sagerne. Han har f\u00f8rt kamp med flere andre danske banker, der har ligget i lignende opg\u00f8r om salg af investeringsprodukter baseret p\u00e5 l\u00e5n i fast ejendom via Luxembourg eller andre lande, der havde status af skattely.<\/p>\n \u00bbNu har retten bestemt sig for at kalde de her Danske Bank-personer til Spanien for at blive afh\u00f8rt. Sagen skal klarl\u00e6gge, om der skal rejses en kriminalsag. Dokumenterne er allerede godkendt. De viser, at Danske Bank begik vildledende markedsf\u00f8ring og bedrageri,\u00ab lyder det fra Antonio Flores, som oplyser, at det er r\u00e5dgiverne Morten Runo Waaben og Henrik Hjerrild Hansen fra Danske Bank Luxembourg, der skal forklare Danske Banks sag i retten. Det skal dog ikke forveksles med, at de er sigtede i sagen.<\/p>\n Et centralt dokument i sagen er s\u00e5kaldt fact sheet fra 2003 fra Danske Bank. Her redeg\u00f8r banken for de fordele, der er ved et s\u00e5kaldt Capital Assurance-produkt. Der n\u00e6vnes fem forskellige punkter, hvorved udenlandske kunder bosat i Spanien opn\u00e5r en skattefordel ved at g\u00e5 ind i Danske Banks model.<\/p>\n \u00bbDisse dokumenter om skattefordele var ikke sande, de var l\u00f8gn. Men man kan ikke afvise, at Danske Bank har misforst\u00e5et disse produkter, men det er fuldst\u00e6ndig klart, at man ikke m\u00e5 bruge dette produkt til at omg\u00e5 skat, det er ulovligt,\u00ab siger advokaten.<\/p>\n For at g\u00f8re sagen endnu mere pikant oplyses det i dokumentet fra Danske Bank, at \u00bbThe tax benefits of the Capital Assurance have been approved by KPMG\u00ab, men nu oplyser Antonio Flores, at han er i besiddelse af et brev fra KPMG, hvori de afviser at have godkendt modellen:<\/p>\n \u00bbSkattekontoret siger, at det er ulovligt, og KPMG siger, at de aldrig har godkendt produktet.\u00ab<\/p>\n I den konkrete sag oplyser advokaten, at et britisk \u00e6gtepar har bel\u00e5nt deres ejendom med en mio. euro.<\/p>\n De penge har Danske Bank s\u00e5 investeret, men det er g\u00e5et skidt efter krisen, og der er nu kun 300.000 euro tilbage.<\/p>\n Selv om Antonio Flores allerede har tabt sagen ved en civil ret, er m\u00e5let fortsat, at kunderne skal stilles, som om de aldrig er indg\u00e5et i aftalen.<\/p>\n Det kan angiveligt blive en dyr omgang for banken, for Antonio Flores p\u00e5st\u00e5r, at 100 spanske kunder er i en lignende situation i Danske Bank. Det antal afviser direkt\u00f8r for Danske Bank-koncernens private banking-omr\u00e5de, Klaus M\u00f8nsted Pedersen, dog:<\/p>\n \u00bbJeg kan ikke forholde mig til det tal, jeg ved simpelthen ikke, hvad han taler om.\u00ab\u00a0Hvor mange er der s\u00e5?<\/em><\/p>\n \u00bbDet er ret f\u00e5. Men jeg ved ikke, hvor han har det tal fra. Det er far out. Det er en ti \u00e5r gammel sag, som tidligere er tabt i en civil ret. Nogle fors\u00f8ger at slippe for at betale et l\u00e5n, fordi de er kommet i klemme. De g\u00f8r alt, hvad de kan. Jeg synes, at det er tankev\u00e6kkende, at han k\u00f8rer det her i pressen og ikke i retten.\u00abMen kan du bekr\u00e6fte, at der er kunder, som har tabt penge p\u00e5 at investere i Luxembourg?\u00a0<\/em><\/p>\n \u00bbHvis man under krisen tog et l\u00e5n og investerede, s\u00e5 gav det tab for mange mennesker. S\u00e5dan er det jo. Meget af det er kommet tilbage, men det kan man ikke forhindre.\u00abHvordan forholder du dig til p\u00e5standen om, at I har vildledt kunderne og beg\u00e5et bedrageri? \u00bbJeg er da irriteret over det. Men s\u00e5dan er det at drive virksomhed. Det kan man ikke undg\u00e5 at l\u00f8be ind i.\u00ab\u00a0Vil du afvise, at det har noget p\u00e5 sig?<\/em>\u00bbJeg vil afvise fuldst\u00e6ndig, at der er noget som helst p\u00e5 den sag,\u00ab\u00a0I materialet st\u00e5r der, at der er fordele rent skattem\u00e6ssigt?\u00a0<\/em>\u00bbDet er for mig at se bare almindelig information om, hvordan s\u00e5dan noget fungerer.\u00ab\u00a0Men er det ikke en god forretning for banken. Man har l\u00e5nt en masse penge ud og investeret dem samtidig med?<\/em><\/p>\n \u00bbBankv\u00e6sen handler jo om at foretage investeringer og yde l\u00e5n og modtage indl\u00e5n og betalingsformidling. Det har v\u00e6ret en fornuftig forretning, men ikke mere fornuftig end alt muligt andet.\u00ab<\/p>\n <\/p>\n ——<\/p>\n <\/p>\n Danish Bank has allegedly advised clients to save tax by raising debt in their Spanish house . That way they could include avoid paying inheritance taxes. The money was used to invest via Danish Bank banking company in Luxembourg, but today much of customers’ fortunes lost and therefore two of the Danish Bank people now explain himself in court.<\/p>\n The accusation is that the bank in the process both misled customers and committed fraud. So says lawyer Antonio Flores from Lawbird Legal Services – a law firm in Malaga, leading a case against the Danish Bank on behalf of some Britons. His goal is to get the bank to pay compensation to customers.<\/p>\n It should be added that he was paid at a no cure, no pay scheme , so he gets a percentage of the damages if he wins the cases. He led fight with several other Danish banks that have been in similar showdown on the sale of investment products based on mortgages via Luxembourg or other countries that had the status of tax havens.<\/p>\n “Now the court has decided to call these Danish Bank persons to Spain for questioning . The case must clarify whether to bring a criminal . The documents have already been approved. They show that the Danish Bank committed deceptive marketing and fraud , ” says Antonio Flores, who says that it is the advisors Morten Runo Waaben and Henrik Hjerrild Hansen from the Danish Bank Luxembourg to explain Danish Bank case in court . It should not be confused with the fact that they are suspects in the case.<\/p>\n A key document in this case is called a fact sheet from 2003 from the Danish Bank . This explains the bank for the benefits of a so-called Capital Assurance product. There are five different points , whereby foreign customers residing in Spain achieve a tax advantage by going into the Danish Bank model.<\/p>\n “These documents about the tax benefits were not true , they were lying. But one can not deny that the Danish Bank ‘ve got these products, but it is quite clear that one should not use this product to evade taxes , it is illegal , “said the lawyer.<\/p>\n KPMG denies approval<\/p>\n To make matters even more piquant is stated in the document of the Danish Bank that ” The tax benefits of the Capital Assurance havebeen godkendt by KPMG ,” but now says Antonio Flores that he is in possession of a letter from KPMG in which the denies having authorized the model:<\/p>\n ” The tax office says it is illegal, and KPMG say they never approved the product . ”<\/p>\n In this particular case, the lawyer says that a British couple have mortgaged their property with a million . euro .<\/p>\n The money has Danish Bank so invested , but it has gone bad after the crisis, and there are now only 300,000 euros return.<\/p>\n Although Antonio Flores already has been unsuccessful in the civil courts , the goal remains that customers must be treated as if they never entered into the Agreement.<\/p>\n It can supposedly be an expensive place for the bank, Antonio Flores claims that 100 Spanish customers are in a similar situation in the Danish Bank . The number of rejects director of the Danish Bank Group’s private banking division , Klaus M\u00f8nsted Pedersen, however :<\/p>\n “I can not relate to the numbers I simply do not know what he’s talking about . ” How many are there ?<\/p>\n “It is quite a few . But I do not know where he got that number from . It’s far out . It is a ten year old case that was lost in a civilian court . Some try to avoid paying a loan because they get caught. They are doing everything they can. I think it is significant that he runs it here in the press and not the right . “But can you confirm that there are customers who have lost money investing in Luxembourg?<\/p>\n ” If the crisis took a loan and invested , so gave it a loss for many people. How it is. Much of it has come back , but it can not prevent. ” How do you relate to the allegation that I have misled customers and committed fraud? ” Banking is all about making investments and providing loans and receive deposits and payments . It has been a sound business , but no more sensible than anything else. “<\/p>\n","protected":false},"excerpt":{"rendered":" Danske Bank har angiveligt r\u00e5dgivet kunder til at spare i skat ved at optage g\u00e6ld i deres spanske hus. P\u00e5 den m\u00e5de kunne de bl.a. undg\u00e5 at betale arveafgifter. Pengene skulle bruges til at investere via Danske Banks bankselskab i Luxembourg, men i dag er store dele af kundernes formuer tabt, og derfor skal to […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[56],"tags":[58,74,59],"class_list":["post-1189","post","type-post","status-publish","format-standard","hentry","category-lawbird-in-the-media","tag-antonio-flores","tag-equity-release","tag-lawbird"],"_links":{"self":[{"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/posts\/1189","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/comments?post=1189"}],"version-history":[{"count":1,"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/posts\/1189\/revisions"}],"predecessor-version":[{"id":1190,"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/posts\/1189\/revisions\/1190"}],"wp:attachment":[{"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/media?parent=1189"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/categories?post=1189"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/tags?post=1189"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}KPMG afviser godkendelse<\/h2>\n
\n<\/em><\/p>\n
\n“I’m as annoyed by it. But this is to run a business . You can not avoid running into the ” Do you deny that it has something to do? ‘I reject completely that there is anything on the matter ,” the material says that there are benefits for tax purposes ? “It is for me to see just general information about how something works. ” But it is not good business for the bank. It has borrowed a lot of money and invested them at the same time ?<\/p>\n