ciferecaNinjo

joined 2 years ago
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It’s disturbing to hear the UK is /again/ changing the banknotes (according to BBC WS). Does this in any way shorten any deadline to trade-in the previous notes? Will it be possible to trade in notes that are 2 generations old?

I have a couple thousand GBP banknotes. These are the previous style and no longer legal tender. I would get burnt if I tried to exchange them for my local currency because the exchange service cannot sell them (they must send them to England). I believe I can still travel to the UK and exchange them fairly legal tender at post offices, correct?

 

Forced-banking has become a reality in Belgium. SPF Finances quit accepting cash payments for tax in 2019. Electrabel, Luminus, Totaal Energy, and Vivaqua all refuse cash payments for essential services (water and power).

It has become impossible to live in Belgium without being forced into the marketplace to patronise a bank. Effectively, you have no right to boycott banks in Belgium.

Consequently, banks have no incentive to earn your business. One bank has closed its doors and shut down its web portal, forcing customers to continuously buy recent Android phones and maintain a Google account to run the bank’s app (the only means of access to their account).

So the question is, what non-profit NGOs are standing up for consumers and human rights on this issue? Who can we support and collaborate with in order to fight for our right to use cash in Belgium?

According to the European Central Bank, surveys show 60% of Belgians want the option/right to use cash, while only 45% of the population actually use cash. The 15% of cashless people who want the cash option will probably grow until cash is wholly eliminated -- because not using cash empowers forced-banking.

 

I would like a complete list of Belgian NGOs relevant to:

  • human rights
  • consumer rights
  • privacy
  • digital rights and right to unplug

I’m aware of the following orgs. Have I missed any?

Human rights:

  • Amnesty International Belgique
  • League of Human Rights
  • UNIA
  • Vlaams Mensenrechteninstituut
  • Association pour le droit des étrangers

Consumer rights:

  • Test-Achats
  • Euroconsumer (possibly dead)

Digital rights, privacy, transparency and the right to unplug:

  • 1710.be
  • Abelli asbl
  • Ateliers DK
  • Kids Unplugged (focused on smartphone-free childhoods)
  • Neutrinet
  • Technopolice (anti-video surveillance focus)
  • Tac-Tic asbl
  • Yellow Jackets (fights against forced-banking, but apparently a ghost org… no website or contact info)
  • EDRi; NoyB (Europe-wide)

(dead ends?)

  • Comité Humain du Numérique (possibly dead)
  • DasPrivé (possibly dead)
  • Datapanik (possibly dead)
  • Gang des Vieux en Colère (possibly dead)
  • Ministry of Privacy (possibly dead)
  • Open Knowledge Belgium VZW/asbl (possibly dead)
  • ethicalnet.eu (possibly dead)
 

I posted this:

https://fedia.io/m/right_to_unplug@sopuli.xyz/t/2324798/Proliferation-of-gatekeepers-of-physical-buildings-in-Brussels-thwart-access

No errors, looks fine from the fedia side of things. But due to Fedia security issues I am now in the habit of visiting the community directly from outside Fedia to get a direct link (for cross posting in a way that all people have access). Only this time I noticed the post did not appear. It’s in Fedia’s cached version of that community but did not make it there.

 

In Brussels we are increasingly reaching a point where we can no longer talk to people face-to-face without technical hurdles and blockades. It’s clear why the Gang of Angry Elders are angry.

I simply entered a law office as a prospective customer. The door man said all visitors must register on the touchscreen tablet they had mounted on the desk, which made email and phone number a required field in order to advance to the next screen before submitting the registration. This is in Belgium, where the GDPR has a data minimisation protection in Article 5. You must surrender an email address (likely to a Microsoft user) as a precondition to sitting in the same room with someone.

Law offices, press offices, banks, and NGOs (some of which protect human rights) have put these security gatekeepers in their lobbies to prevent people talking to people. You ask to talk to someone and the response is always “do you have an appointment”? When the answer is “no”, they are helplessly incapable of making an appointment then and there. It’s a new level of human dysfunctionality.

Some Dexia branches have a very narrow time slot for people without appointments. You must get there early in hopes to get a queing position that does not get cut off at the end of the time slot.

The concept of a supplier that is subservient to the customer’s needs has been lost. It has flipped because too many boot-licking consumers are simply willing to be a doormat.

The persistence of CAPTCHAs proves this. If enough people were wise enough to refuse to solve CAPTCHAs, the CAPTCHAs would natrually be discontinued. But CAPTCHAs remain because too many boot-lickers are serving their corporate masters.

 

Starting with the open data EU directive:

https://eur-lex.europa.eu/legal-content/EN/NIM/?uri=CELEX%3A32019L1024

I went to "national transposition" on the sidebar, expanded Belgium, and I see lots of Wallonia-specific statutes. The Brussels specific laws would be interesting but what I fetched was not a complete body of current law. It was a long list of modifications of past law along the lines of “change this word… replace that word..”, etc.

Does anyone have a link to the full current open data law? Preferably in french because that works best for machine translation.

 

I was startled to find this gem in EU directive 2019/1024 Art.9 ¶1:

Where possible, Member States shall facilitate the cross-linguistic search for documents, in particular by enabling metadata aggregation at Union level.

Even if you neglect the “cross-linguistic” specification, merely making public documents searchable is a huge leap of progress in the EU. And I think all member states are currently breaking that law for the most part, as we are generally forced to rely on private sector ad surveillance garbage from Google and Bing to find most public sector docs.

Sure there are a few scattered search tools for some very specific collections of documents. But most public documents are not at all indexed in any publicly administered search tool.

Of course the “cross-linguistic” specification is quite interesting because document translations are sometimes performed but the result is often not shared and even more often not searchable. E.g., for some reason a university or institution in Belgium (possibly public sector) went to the effort of creating a good English version of a big piece of the Belgian Economic Code. I was lucky to stumble into it out in the wild. Per the directive (which is hopefully transposed into national law), someone who searches for that section of Belgian economic code should get a reference to the unofficial English version along with the French and Dutch versions. But they certainly do not because the national legal statutes search site is hard-coded for just French and Dutch.

This touches on a recent question I asked. If the EU were to obtain an English version of transposed directives, in principle they should be furnishing that to the public. There’s one snag here though: the open data directive seems to exclude the EU itself from Art.9.

 

I could not reach the site from Tor. The linked page is the archive.org cached version, which actually is open to all.

 

I could not reach the site from Tor. The linked page is the archive.org cached version, which actually is open to all.

 

Belgian banks have gone to the Orwellian extremes of outright refusing cash deposits without proof of source, even for small amounts as low as €50! The war on cash (war on privacy) is in full swing in Belgium.

At the same time, German ATMs are not producing receipts. My understanding of EU law is that the ATM must print a receipt if there is a currency exchange on the ATM’s side of the transaction (please correct me if I’m wrong). But I see no EU law requiring ATMs to print receipts generally. Some ATMs in Germany don’t even have printers; no slot for dispensing receipts. By extension, I suppose such ATMs must not be capable of offering dynamic currency conversion (which is bizarre because that’s where the most profit is in the ATM business).

In any case, it seems a bit off that you can get cash from a German ATM, get denied a receipt (you don’t know in advance that a receipt will not be given), and then you cannot deposit that cash in Belgium due to their nannying.

Or can you? What if you write down the ATM machine’s number, location, time, date, and amount. Would a log of that information serve to document the source of the cash to legal standards?

 

Belgian banks have gone to the Orwellian extremes of outright refusing cash deposits without proof of source, even for small amounts as low as €50! The war on cash (war on privacy) is in full swing in Belgium.

At the same time, German ATMs are not producing receipts. My understanding of EU law is that the ATM must print a receipt if there is a currency exchange on the ATM’s side of the transaction (please correct me if I’m wrong). But I see no EU law requiring ATMs to print receipts generally. Some ATMs in Germany don’t even have printers; no slot for dispensing receipts. By extension, I suppose such ATMs must not be capable of offering dynamic currency conversion (which is bizarre because that’s where the most profit is in the ATM business).

In any case, it seems a bit off that you can get cash from a German ATM, get denied a receipt (you don’t know in advance that a receipt will not be given), and then you cannot deposit that cash in Belgium due to their nannying.

Or can you? What if you write down the ATM machine’s number, location, time, date, and amount. Would a log of that information serve to document the source of the cash to legal standards?

 

Belgian banks have gone to the Orwellian extremes of outright refusing cash deposits without proof of source, even for small amounts as low as €50! The war on cash (war on privacy) is in full swing in Belgium.

At the same time, German ATMs are not producing receipts. My understanding of EU law is that the ATM must print a receipt if there is a currency exchange on the ATM’s side of the transaction (please correct me if I’m wrong). But I see no EU law requiring ATMs to print receipts generally. Some ATMs in Germany don’t even have printers; no slot for dispensing receipts. By extension, I suppose such ATMs must not be capable of offering dynamic currency conversion (which is bizarre because that’s where the most profit is in the ATM business).

In any case, it seems a bit off that you can get cash from a German ATM, get denied a receipt (you don’t know in advance that a receipt will not be given), and then you cannot deposit that cash in Belgium due to their nannying.

Or can you? What if you write down the ATM machine’s number, location, time, date, and amount. Would a log of that information serve to document the source of the cash to legal standards?

[–] ciferecaNinjo@fedia.io 1 points 2 months ago (10 children)

This is generally saying if you are being discriminated against, change whatever your demographic is that is subject to discrimination. Putting oneself inside the included group does nothing to remedy the fact that there is an excluded group of people.

It’s also wrong to assume everyone has clearnet access. At this very moment I am using a machine that does not have clearnet access.

[–] ciferecaNinjo@fedia.io 1 points 2 months ago

What an anti-feature. Thanks for pointing that out! Should be corrected now.

[–] ciferecaNinjo@fedia.io 2 points 2 months ago (1 children)

Well that rationale doesn’t withstand the fact that people can change their gender identity without updating their ID docs. Recipe for disaster.

[–] ciferecaNinjo@fedia.io 2 points 2 months ago (1 children)

I was thinking about doing that. I read that mother of vineger is not necessary, but it speeds up the process. I also read that results are only good with certain beers like brown ales.. and I think IPA was given as an example of a bad result (i’m assuming due to the hoppy bitterness).

[–] ciferecaNinjo@fedia.io 2 points 2 months ago (3 children)

I mainly use it on fried potatoes, and I’m open to experiments, perhaps with lentil salad. I am familiar with Sarson’s and managed to find another bottle of that but I would like to try more varieties of malt vinegar. Saw a small bottle of lambic-based vinegar in a speciality shop and didn’t buy it because the price is a bit high (€14).

[–] ciferecaNinjo@fedia.io 2 points 2 months ago (1 children)

Well, it wouldn’t require lying but certainly it seems tricky. You can deregister before you leave the country and neglect to provide an address for where you are going -- because you wouldn’t necessarily know in advance and you cannot provide information that does not exist. So they clear your address from your id card which then just has an empty address.

Correct me if I’m wrong, but you don’t have a specific legal obligation to state where you live abroad.

Though one snag is that you have a legal obligation to vote in elections and you must vote in the nearest embassy, which requires giving an address to get on the voting roster. However, voting is not strictly enforced. If you fail to vote there is a small fine but I don’t think they actually hit unregistered people abroad with that. If you do not vote in 3 consecutive elections, then you could lose your voting rights for a few years, I think.

I do not believe the bank gets a notification that you have deregistered. But at some point your ID card on the bank’s files will expire and they will expect an updated copy and freeze your account until they receive it.

If you walk into an embassy to “renew” your passport, do they demand an address? I would think you would pick up your passport at the embassy a week later. Or do they mail it?

Anyway, I can understand giving in to surveillance and disclosing US ties, but OTOH it seems like a nightmare to do what’s expected as well.. to be tagged as a toxic US person. It’s a mess either way. Perhaps the wisest move is to “move” to Canada, stay there a couple months, setup residency, then move to the US and just neglect to mention it. Get mail forwarding from Canada.

[–] ciferecaNinjo@fedia.io 1 points 3 months ago (3 children)

Half their internet banking site is off-limits to me

Mind elaborating? Did they restrict your account specifically, or does the website simply treat logins from the US differently? I’m surprised you wouldn’t retain full cloud access so long as your account exists under the terms you signed up for.

I don’t understand why you would tell your Belgian bank that you left Belgium, particularly when your new residence is the US which flags you as a toxic asset that requires special handling. That could only work against you. Surely you would be better off not telling them you moved and use a VPN to Belgium to access your acct.

[–] ciferecaNinjo@fedia.io 1 points 3 months ago

Bingo. This is true even across EU borders. Rabobank in Netherlands does not exchange info with Rabobank in Belgium, IIUC. (but note I think Rabobank quit doing business in Belgium eventually anyway)

[–] ciferecaNinjo@fedia.io 1 points 3 months ago (1 children)

I appreciate the insight. My other speculation was that it was an anti-spam tactic.

In Belgium residents can post a sign/sticker saying /no pub/ and by law it must be complied with, but there is no enforcement and not much compliance. Unlike Switzerland, who charges people to opt-out of ads but then diligently fines violators.

[–] ciferecaNinjo@fedia.io 2 points 3 months ago

Considering your apparent adversity to surveillance advertising US tech giants, it’s a bit of a surprise that you would consider using ItsMe, a service that forces you to trust Cloudflare and be subject to Cloudflare’s bullying, oversight and access restrictions. There is no way to use ItsMe without letting Cloudflare see your sensitive data.

That said, I do not know the answer to your question because I would never even try to use ItsMe in the very least because of it’s hostility toward tor users.

[–] ciferecaNinjo@fedia.io 1 points 3 months ago

Glad to hear you can help drive that from the EU side. Until then, I will continue sending paper correspondence. It would help if more people would insist on paper correspondence to create a bit of motivation.

[–] ciferecaNinjo@fedia.io 1 points 4 months ago

I don't know of any such law or even which organization would be able to make such a law.

Regulation (EU) 2021/1230 covers ATMs to some extent. I think there was a law even broader than EU law but I’ve lost track of it -- or just have a bad memory.

(found the bit about receipts being required)

Article 4
Currency conversion charges related to card-based transactions

  1. With regard to the information requirements on currency conversion charges and the applicable exchange rate, as set out in Article 45(1), Article 52, point (3), and Article 59(2) of Directive (EU) 2015/2366, payment service providers and parties providing currency conversion services at an automated teller machine (ATM) or at the point of sale, as referred to in Article 59(2) of that Directive, shall express the total currency conversion charges as a percentage mark-up over the latest available euro foreign exchange reference rates issued by the European Central Bank (ECB). That mark-up shall be disclosed to the payer prior to the initiation of the payment transaction.
  2. Payment service providers shall also make the mark-up referred to in paragraph 1 public in a comprehensible and easily accessible manner on a broadly available and easily accessible electronic platform.
  3. In addition to the information referred to in paragraph 1, a party providing a currency conversion service at an ATM or at the point of sale shall provide the payer with the following information prior to the initiation of the payment transaction: (a) the amount to be paid to the payee in the currency used by the payee; (b) the amount to be paid by the payer in the currency of the payer’s account.
  4. A party providing currency conversion services at an ATM or at the point of sale shall clearly display the information referred to in paragraph 1 at the ATM or at the point of sale. Prior to the initiation of the payment transaction, that party shall also inform the payer of the possibility of paying in the currency used by the payee and having the currency conversion subsequently performed by the payer’s payment service provider. The information referred to in paragraphs 1 and 3 shall also be made available to the payer on a durable medium following the initiation of the payment transaction.

….

What I find shitty about this wording is it’s unclear if the receipt is only required in the case of currency conversion by the ATM. Apparently yes.. apparently if DCC is not offered the the ATM is off the hook for giving a receipt. Several ATMs did not have DCC, but the machie that did not even have a receipt printer offered a DCC option, which seems to be illegal.

Fee structure is indeed extremely intransparent in most cases. Generally, I have too look up ATM fees in my online banking access and I never know them beforehand. Iiuc, your bank and the ATM-operating bank roll the dice to find out the fees they each want to charge as part of the process of handing out your cash anyway.

The fee structure is indeed very well concealed. Before approaching an ATM the fees are undisclosed and many ATMs demand your PIN as the very 1st step. It’s a shit show for sure. But at least they must inform you of fees before you commit to the transaction, per 2021/1230.

In any case, no store wants to receive notes above €100 because politicians and media have successfully created mental associations between those notes and money laundry/corruption/organized crime.

Yeah I heard Germany has no cash acceptance obligation whatsoever, which by extension supports your narrative that they can be fussy about banknotes, as in France.

This contrasts with Belgium where brick and mortar merchants must accept banknotes. They can reject money that is disportionately sized if they want. E.g. they can reject a €200 note on a transaction of €20 but not on a transaction of €175. Or they can reject a shit ton of coins on a 3+ figure transaction.

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