Danske Bank has carried out its fraudulant banking service in Norway without autorization for + 15 years. The bank defrauded us of all our savings, and we were forced to sue the bank in Luxembourg. You will find the original writ her.
1. Ms. Katalin Baranyi (PhD Scholar)
2. Mr. Herman J Berge (LLB)
- and -
Danske Bank International S.A.
Managing Director, Mr. Klaus Mønsted Pedersen, on behalf of Danske Bank
A. INTRODUCTORY and STATEMENT OF FACTS
1. Danske Bank International S.A. (DB or the bank), which is a dependent branch office of Danske Bank AS (Copenhagen, Denmark), operates as a bank in Luxembourg and is a client of Francis Kesseler who operates as a notary in Esch-sur-Alzette. Danske Bank has engaged Kesseler to prepare and carry out an illegal forced sale of our house, this to cover some unsubstantiated debt. As notary Kesseler for some unknown reason refuses to provide us with any documents in this matter, we have to assume that sometime late January 2011 Danske Bank AS,
Exhibit # 1: Krediteröffnungsurkunde of
2. Based on this document – and only this (i.e. no documents indicating a default) – Kesseler started the preparations for the foreclosure and in this regard he contacted us with his letter of
Exhibit # 2: Kesseler’s letter of
3. As this letter was written in French, a language of which we neither read nor understand, we were forced to translate it using the Google language tool. In our respond letter of
Exhibit # 3: Our letter of
4. Notary Kesseler refused to respond to our letter, hence we dispatched a reminder informing him that we would file a criminal complaint against him for harassment if he should not respond to us within
Exhibit # 4: Our reminder of
Exhibit # 5: CD containing the preface of the said phone conversation in which
Kesseler refuses to give us any information in writing.
6. During this conversation it became clear that it was not Danske Bank who had contacted and “hired” Kesseler as he though had stated in his letter of January 25 2011, but a lawyer; Mr. Alex Schmitt. From previous correspondence with this Schmitt it has become evident that the bank in question never formally hired him. Consequently Schmitt has not been furnished with a Power of Attorney and is thus not in any position to represent a third party or present claims on behalf of any such third parties. Schmitt himself has declared to us in his fax of
Exhibit # 6: Alex Schmitt’s fax of
7. If this should be true, what Schmitt claims, that a lawyer or any other representative in Luxembourg can act at random – without an instrument in writing whereby one person, as principal, appoints another as his agent and confers authority to perform certain specified acts or kinds of acts on behalf of principal – then the total anarchy in Luxembourg has finally been proved. It should, by obvious reasons, not be necessary to elaborate on the implications such a state of affairs will have on any society.
8. In our letter to Kesseler of February 14 2011 we informed him; that we – as a defendant to the foreclosure – are entitled to be granted access to all relevant documents he is concealing; that he had failed to prove that we are in default; that the bank 1) manipulated us to believe, and we consequently thought, that the bank had granted us a house loan of which the bank today rejects the existence of, and 2) deliberately misled us to sign on a criminal investment scheme, similar to the numerous criminal investment schemes that this bank subsequently has “pushed” on retired northern Europeans with unencumbered properties in Spain; that the mortgage deed of January 15 2007 contradicted the notary deed of October 17 2006; that the mortgage deed was in violation with Article 19 (3) of Directive 2004/39/EC, and finally that the bank has deceived and defrauded us and that notary Camille Mines did, at best, nothing to stop this fraud.
Exhibit # 7: Letter to Kesseler of
Exhibit # 8: Criminal complaint XXII of
10. Early in the morning of February 18 2011, at 07:40 (well before normal office hours), a Josiane Gloden attempted to serve Kesseler’s “Commandement”, basically shouting in a hostile tone that our house will be subject to a forced sale since we hadn’t paid on our house loan.
Exhibit # 9: Commandement of
11. In this non-served document of February 18 2011 Notary Francis Kesseler (and Josiane Gloden) claims that we failed to pay € 453.199,76 on October 4 2010, that we – by this failure to pay the bank in question – have defaulted a contract and that he pursuant to Article 879 of the “Nouveau code de procedure civile” thus are entitled to sell our house on behalf of the bank.
12. Kesseler (and Gloden) was at the time of the issuing positively aware of the fact that he had not seen nor was he in possession of:
- any contracts or agreements stating that we owe the bank the sum of €453.199,76.
- any document (a NOTICE) proving that we had been requested to pay the said sum within
October 4 2010.
- any agreement or contract of which the aforementioned sum of €453.199,76 refers to and which stipulates interest rates, instalments or other statutes of which claims to be breached.
- any document proving that we have defaulted and thus are in breach of an agreement or contract.
13. Hence we petitioned Gloden, in our letter of
Exhibit # 10: Letter of
14. Gloden refused to respond to this petition, hence she failed to provide us with evidence of default and liabilities, consequently failing to prove the legal authority of her demand/claim. Gloden was thus fully aware of the fact that the defective “Commandement” could not be served.
Exhibit # 11: Letter of
16. Make note of the following: The said article clearly demands that such a referral is to be explicitly stated in the mortgage deed. As the author of this mortgage deed has failed to make this referral, Kesseler has no legal basis or authority issuing his “Commandement”, nor has he any legal authority to execute the bank’s instructions.
17. We also informed Kesseler in this letter that it is stated in the mortgage deed that we have ordered this deed. Yet again we are facing one of Danske Bank’s numerous fraudulent acts. We have never ordered this document. We have never seen such a document before
18. Let us yet again remind the court that this mortgage deed, of which we later on have learned is a financial instrument, should – in accordance with Article 19 (3) of Directive 2004/39/EC – have been presented to us in good time before we actually were supposed to enter into it, authored in a language of which we understand. Presenting this financial instrument, in a language the bank knew we didn’t understand, on the day we were taking over the house, demonstrates the bank’s fraudulent motives.
Exhibit # 12: Criminal complaint of
Exhibit # 13: Criminal complaint of
20. On March 17 2011 we informed the public prosecutor that no documents exists that could give legal grounds for instigating a foreclosure and that Kesseler hence was preparing a criminal act against us and our private property. Since Kesseler vigorously has denied us our right to get access to documents that allegedly support his actions – documents which obviously are of a nature that gives us a right to both contradict and defend ourselves against – we petitioned the public prosecutor to instruct Kesseler to grant us access to:
“…all documents of which he (Kesseler) claims comprises the legal basis for the imminent foreclosure, or – if Kesseler can not provide the prosecutor and us with these said documents listed in the criminal complaint of
Exhibit # 14: Letter of
21. The public prosecutor has refrained from responding to our petitions and to this day remains silent and totally inactive. We have thus been unlawfully denied access to essential documents to the case, consequently we have been deprived of our right to contradict allegations of being in debt to the bank as well as allegations of default. This in turn leads to the conclusion that we have been effectively deprived of our right to defend ourselves (against a criminal entity thriving in
22. The Mortgage Deed in question states that we have ordered this document. This is obviously a lie hence we petitioned the bank, in our letter of
“…provide us with any document that could prove that we have ordered this financial instrument. The bank is also petitioned, within the same timeframe, to provide us with an English as well as a Norwegian authorized translation of the said document.”
Exhibit # 15: Letter of
23. The bank – which to this day remains silent to any of our petitions – has refused to respond to this letter, consequently proving the lie as well as the fact that we didn’t order this document.
24. As a consequence of Francis Kesseler’s wilful engagement in the bank’s criminal activity, making the said person an accomplice to crimes, we filed a € 74 million compensation lawsuit against Kesseler on
Exhibit # 16: Writ of summons against Francis Kesseler of
25. Based on the fact that the bank in question in a deceptive and fraudulent manner and with a criminal intent produced, presented and manipulated us to sign a fraudulent document – the said Krediteröffnungsurkunde – we filed a Criminal Complaint (XXVI) against the Managing Director of Danske Bank International.
Exhibit # 17: Criminal complaint # XXVI dated
26. As the charges have been levelled at a bank, the public prosecutor traditionally refused to respond to our petitions, at all, hence we are not protected by any law or so called democratic institutions which in turn lead to the conclusion that crimes and corruption prevails in Luxembourg democratic institutions, not the rule of law.
27. During our investigation of this case it has been revealed that the Luxembourg Government has established a crime protective system of which all the major “democratic” institutions are involved. Its core object is to protect persons and institutions violating the law during the course of their/its activity, and to cover up these violations, all this to the best interest of the country. The system and its implications are described and documented in our € 72 million lawsuit against CSSF.
Exhibit # 18: Writ of summons against CSSF of
28. Based on solid documentation (e.g. incriminating documents and voice recordings) we have filed some 26 criminal complaints against the bank in question and its accomplices. Furthermore we have filed compensation lawsuits against both the main culprits with the bank as well as against the CSSF, documenting that the bank’s activity is of criminal nature and that CSSF has accepted the said activity and thus are liable.
29. Not a single criminal complaint has been investigated by the public prosecutor or the courts and not a single lawsuit has been tried in a court of law. On the contrary; we haven’t heard a word from the court. It is like there are no law or courts in Luxembourg. In this regard we have asked ourselves: How can such an anarchic system survive in the middle of a so called democratic Europe? Luxembourg’s Prime Minister / Minister of Finance gave us the answer a few weeks ago during a conference on economic governance in Brussels, basically stating that he is a liar and that it is necessary to lie when it comes to important questions/problems.
Exhibit # 19:
30. Juncker attempted to clarify his tendencies to lie stating that he is not a fan of transparency when it comes to economic policy. Juncker elaborated this:
“Monetary policy is a serious issue. We should discuss this in secret, in the Eurogroup. As exists in the case of monetary policy, all economic decisions should now be discussed behind closed doors.”
31. According to news352 Juncker stated that he often “had to lie” in order not to feed rumours, and Juncker defended his motives for being a liar:
“l’m ready to be insulted as being insufficiently democratic, but I want to be serious.”
32. Only a despot could have expressed himself like Juncker did, but he didn’t quite stop with this. It has been suggested opening economic policy meetings for the public, but according to news352 Juncker rejects this idea, saying that EU leaders needs time and space (i.e. secrecy) to make good decisions.
33. So, there we are. Our Prime Minister / Finance Minister for the last quarter of a century is a liar admitting that he is not democratic in his administration, and that he sees no reason to let his people take part of whatever he is doing to the country. Not to wonder that Luxembourg is one of only few countries left in the world without a freedom of information act.
34. We have informed Juncker about the illegal financial policy in Luxembourg – which is the cause of the country’s financial crisis besides being the cause of our problem with the bank (and thousands of other savers and investors who have lost their savings to criminal banks established in Luxembourg) – and petitioned him to act. Juncker refrained.
35. Juncker’s clearly despotic policy and administration of Luxembourg is the sole reason why CSSF protects and conceals the financial institutions’ criminal activities; why the public prosecutor shelves (without any investigation) all criminal complaints against any, for the country, profitable business in Luxembourg; and why the courts refrain from trying our rights, or even responding to our correspondence and attempts of litigations.
B. STATEMENT OF CLAIM
36. The “Commandement” of February 18 2011: The Defendant, Danske Bank, claims through Kesseler that we are obliged to pay the sum of € 453.199,76 to the latter or to his client. Furthermore the bank claims that we should have paid this amount at the latest on October 4 2010. On the other hand Kesseler and the bank have vigorously rejected to provide us with any documents that could prove their claim. It is thus a notorious fact that notary Kesseler, on behalf of the bank, issued a “Commandement” without the slightest piece of evidence of an agreement and a default of this agreement. Actually Kesseler had no documents in hand that could justify his “Commandement”. Nevertheless Kesseler claims that he is entitled to sell our home based on fabricated information on breach of contract, which in turn makes him and the bank liable to any damages or economic loss caused by his actions. It goes without saying how serious it is when a notary starts fabricating a default (note that Kesseler has declared that the due date for the payment was October 4 2010 well aware of the fact that such due date does not exist) in order to fulfil his client’s instructions.
37. The Krediteröffnungsurkunde (the mortgage deed) of January 15 2011: When we attended the meeting at notary Camille Mines’ office on January 15 2007, we thought that we were to hand over the check, sign a notary deed and finalize the take-over of our new home. The meeting though seems to have ended up with us signing on a mortgage deed which sole purpose – we were explained – was to guarantee the due payment on the house loan we had been granted, nothing else. The first time we ever saw this document was on January 15 2007. The content of the mortgage deed has to this day never been discussed with us, and we still do not understand its content as this document has never been translated to a language that we understand.
38. As agreed upon on June 27 2003 all documents the bank produces for the purpose of our attention are to be authored in English.
Exhibit # 20: Agreement of
39. The mortgage deed, which we saw for the first time on January 15 2007 at notary Mines office, is written in German, hence in violation with the said agreement of June 27 2003. Even though we informed notary Mines that we couldn’t understand this document as we didn’t read or talk the German language, notary Mines did not stop the process demanding the bank to furnish us with an authorised English print. On the contrary he did what – according to notary Kesseler’s statement in the above mentioned phone conversation – is common practice among Luxembourg notaries: He tried to bend and get around the law by “explaining” the content of this document in English.
40. His “explanation”, for whatever that is worth in the light of the MIFID-Directive, did not alert us that this was anything more than a house mortgage. But even if we had been alerted that this was something else, we had no alternatives but signing it, as we already had paid some € 100.000 upfront on October 17 2006, and as the seller was entitled to make a forced sale of the house if we for any reason did not pay the remaining amount on that day. We were thus placed under duress by the bank as the latter failed to 1) provide us with the German document in due time before January 15 2007, and 2) inform us, at all, about its existence and its content.
41. A mortgage deed is a financial instrument, and the Commission Directive 2006/73/EC Articles 29 and 30, implementing Article 19 (3) of Directive 2004/39/EC, clearly states that any relevant information is to be provided;
“…in a comprehensible form… so that they (clients or potential clients) are reasonably able to understand the nature and risks of the investment service and of the specific type of financial instrument that is being offered and, consequently, to take investment decisions on an informed basis.”
42. As documented in criminal complaint XXII, this mortgage deed (or whatever it is) was presented to us for the first time just minutes before we were to get the keys to the house. It was not presented to us in a language we understand or in a language agreed upon nor in a comprehensible form. We were not able to understand what kind of document this was or the nature and the risk of what the bank presented and forced upon us. Hence we were not at all in a position to take “investment decisions on an informed basis”.
43. We trusted the bank and we had no reason not to trust notary Mines. Nevertheless we were deliberately deceived by both, hence we were not given the slightest chance to take a sound investment decision on January 15 2007 as we actually were not able to understand the concept, the nature or the risks of the financial instrument (Krediteröffnungsurkunde) offered in disguise of a house mortgage that day.
44. The fact that our signatures appears on a document we obviously didn’t (and still don’t) understand the content of, taking into consideration the backdrop of this matter, will automatically render the document null and void, hence the document is of no legal value, lacking any form of legal force. The bank has deceived and defrauded us and Mr. Mines did, at best, nothing to stop this fraud. The said Krediteröffnungsurkunde is part of a criminal financial scheme and the only reason why our signatures appear on this document is the bank’s fraudulent conduct.
* * *
45. As documented notary Kesseler was – at the latest on February 15 2011 – duly informed about the bank’s criminal activity, that the bank’s representative acted without a Power of Attorney, the criminal complaints against the bank and about the fact that if he continued to carry out the bank’s instructions, he would be committing a crime.
46. Notary Kesseler nevertheless refused to act upon the information he was provided with. Instead of acting duly upon our letters, petitions and complaints, Kesseler deliberately continued to carry out the illegal and unfounded preparations for a forced sale of our house. In this he planned how to avoid our petitions and complaints, concealing facts and documents, hence committing fraudulent concealment. Furthermore Kesseler deliberately chose to forgo information from us which immediately would have stopped the unauthorized and illegal preparations for a foreclosure. In turn this could have broken the chain of frauds and thus minimized our loss in particular and damages in general. Kesseler stated in the abovementioned phone conversation of February 9 2011 that he would never discuss the merits of the case with any other person than a lawyer, hence depriving us of our right to defend ourselves and our home, blatantly violating Article 47 of the Charter of Fundamental Rights. Consequently Kesseler deliberately and unlawfully obstructed any chance we had to uncover the truth and stop the preparations of the foreclosure, hence inflicting huge economic loss on us.
47. Kesseler was at the latest in February 2011 duly informed that the bank in question, his client, deceitfully provided its clients in Norway with illegal agreements. These agreements are illegal for at least two reasons: 1) The bank is not authorised to provide portfolio service to Norwegian clients in Norway, and 2) pursuant to §8 of the Norwegian Regulation F07.07.1994 nr 717 all agreements between a foreign financial institution and a Norwegian investor / client is subject to Norwegian law. This provision is to be included in any agreement. Danske bank International S.A. is, as notary Kesseler knows, nevertheless consistently misleading Norwegian clients to forfeit their rights protected by mandatory regulations on financial agreements and accept the bank’s unlawful provisions which falsely and deceitfully states that the agreement is governed by Luxembourg law. The consequence of this is that Kesseler knew at this point that the agreements provided by the bank, in general, were illegal and that the legal as well as economic consequences of the continuation of such an unlawful business could be devastating not only to the bank but also to Kesseler and the Luxembourg Government.
48. It has been proven that Kesseler has not seen or been in possession of 1) any contracts or agreements stating that we owe the bank the sum of €453.199,76; 2) any document (a NOTICE) proving that we had been requested to pay the said sum within October 4 2010; 3) any agreement or contract of which the aforementioned sum of €453.199,76 refers to and which stipulates interest rates, instalments or other statutes of which claims to be breached, or 4) any document proving that we have defaulted and thus are in breach of an agreement or contract. Despite this serious lack of mandatory documents, Kesseler issued the said “Commandement”, an act which under normal circumstances immediately should lead to his suspension and dismissal.
49. Kesseler has as a notary and submissive servant of Grand Duke Henri deliberately failed to react upon the information and documents he received concerning the bank’s fraudulent cross-border activity and in particular the bank’s deceitful and fraudulent activity where they succeeded in having us to sign a fraudulent document on January 15 2007 of which was a part of a criminal financial scheme. This demonstrates beyond any doubt that Kesseler not only protects the bank but that he all the more is acting unconditionally upon this criminal organization’s instructions. Kesseler has no intention and shows no will of carrying out any conduct which could safeguard his public activity and should therefore be suspended.
50. Kesseler’s misconduct is regarded at best as gross negligence. We will though argue and prove that Kesseler is guilty of wilful misconduct motivated by the financial industry’s and the Government’s interest in protecting the financial business against any probe / investigation / legal claims / litigation or its like. One direct product of this misconduct is that bailiff Josiane Gloden illegally attempted to serve Kesseler’s “Commandement” without the slightest proof of default or breach of any contracts/agreements. This would never had happened were it not for Kesseler’s decayed moral and thus his ability to accept any assignments regardless of its legality, as long as he gets paid.
C. Procedural issues: Conventional rights – Self-representation and Service of judicial documents
51. Introduction: Luxembourg courts as well as their bailiffs have consistently rejected to serve judicial documents from our hand, arguing that we are not represented by a lawyer, hence obstructing our right to access to court. This position, or view, has no support whatsoever in relevant international treaties of which Luxembourg has signed and ratified.
52. Although it is beside the point here, it has to be noted that there are no lawyers in Luxembourg that would touch this or similar cases, a stand which has nothing to do with the case’s merits. Quite on the contrary, it is rather a matter of safeguarding their very existence as lawyers in this country. Holders of claims as described in this writ (there are thousands of such holders) have thus no actual access to Luxembourg courts, regardless of whether the plaintiff is represented by a lawyer or not.
53. Self-representation in court and Service of judicial documents in the EU – Facts in short: 1) Danske Bank International S.A. has in collaboration with CSSF, the Public Prosecutor, the commercial court and the Minister of Justice and Finance defrauded us of all our savings. 2) We have been sued by the bank. 3) We wish to defend ourselves against the perpetrators, and get back our savings and whatever we according to law are entitled of in compensation. 4) We also see the need to file claims for damages against some of the perpetrators for their wilful misconduct and criminal acts, deliberately depriving us of our rights. 5) We do not speak the French language which for some reason is the language of the court in Luxembourg. 6) The bailiffs in Luxembourg refuse to serve our writ of summons/lawsuits, appeals and other judicial documents arguing that we are not represented by a lawyer, and 7) The bailiffs furthermore refuses to serve documents to us in a language which we understand, hence depriving us of our right to know, understand, contradict and to defend ourselves.
54. The Law – Conventions guaranteeing fair and public hearing: The United Nations UNIVERSAL DECLARATION OF HUMAN RIGHTS Art. 10 reads as follows:
“Everyone is entitled in full equality to a fair and public hearing by an independent and impartial tribunal, in the determination of his rights and obligations and of any criminal charge against him.”
55. ECHR Art. 6 (1) reads as follows:
“In the determination of his civil rights and obligations or of any criminal charge against him, everyone is entitled to a fair and public hearing within a reasonable time by an independent and impartial tribunal established by law.”
56. EU-Charter Art. 47 reads as follows:
“Everyone whose rights and freedoms guaranteed by the law of the Union are violated has the right to an effective remedy before a tribunal in compliance with the conditions laid down in this Article.
Everyone is entitled to a fair and public hearing within a reasonable time by an independent and impartial tribunal previously established by law. Everyone shall have the possibility of being advised, defended and represented.
Legal aid shall be made available to those who lack sufficient resources in so far as such aid is necessary to ensure effective access to justice.”
57. The variety of the different guarantees comprised under the umbrella term of "fair trial" is extensive. In this certain matter there are at least four guarantees which are relevant:
- Access to court
- Fairness - Equality of arms
- Public hearing
- The principle of self-representation – be advised, defended and represented
58. The guarantees of a fair trial – “Access to Court”: So, what is “access to court”? What does that mean?
59. Access to a court is a basic precondition of a fair legal process, and requires not only that a court is existing, but that such a court is in fact accessible for the plaintiff pursuant to the standards developed by the European Court of Human Rights with regard to Article 6 (1). This understanding is also adopted by the European Court of Justice.
60. Right of access to court was for the first time recognized by the ECHR in the case Golder v. United Kingdom, (21 February 1975):
“It would be inconceivable that Article 6 (1) should describe in detail the procedural guarantees afforded to parties in a pending lawsuit and should not first protect that which alone makes it in fact possible to benefit from such guarantees, that is, access to a court. The fair, public and expeditious characteristics of judicial proceedings are of no value at all if there are no judicial proceedings.”
61. In the Ashingdane case (Series A no. 93) the ECHR stated that, although limitations may be imposed:
“it must...be established that, the degree of access afforded under the national legislation was sufficient to secure the individual’s right to a court; having regard to the Rule of Law in a democratic society...the limitations applied must not restrict or reduce the access left to the individual in such a way or to such an extent that the very essence of the right is impaired...Furthermore, a limitation will not be compatible with Article 6 (1) if it does not pursue a legitimate aim and if there is not a reasonable relationship of proportionality between the means employed and the aim sought to be achieved.”
62. If a plaintiff chooses to present his/her case in person, and the authorities rejects his/her attempts of going to court arguing that he/she must be represented by a lawyer, then the plaintiff has de facto no access to court and the Government is facing complaints for violating the above mentioned provisions.
63. If a party to a legal dispute does not understand or speak the language of the court of which he/she wants to present the matter to in person, then this party obviously have no chance of filing a lawsuit to try his/her rights. Depending on the party’s economical stand, this problem can be redressed by the court, offering the party an interpreter. Should the court refuse to comply with a request for an interpreter, then we are left with the conclusion that the party has no access to court, and the provisions mentioned above has been violated.
64. The degree of access to the court in Luxembourg was in our case against Remesch, Hilgert, Biltgen and others, none-existing and was thus not sufficient to secure our privilege to have our rights tried in a court of law. Furthermore the Government has through its instructions to its judges restricted and reduced the access left to us in such a way and to such an extent that the very essence of the right to access to a court is not only impaired but has actually evaporated. In this regard it should be mentioned that the Government of Luxembourg has never indicated any valid or legitimate aim for its extensive limitations of access to court.
65. One can conclude that we will never be – at least not under the present regime – granted any judicial proceedings in Luxembourg as long as we maintain our conventional rights. Consequently we have in fact no access to court and the fair, public and expeditious characteristics of judicial proceedings are of no value at all.
66. Fairness - Equality of arms: The case law of the European Court of Human Rights regards the principle of equality of arms as part of the guarantee of a fair trial and has reiterated with respect to the adversarial nature of civil procedure, that it requires a just balance between the parties, even when one of the parties is the State. Thus, the European Court has ruled that:
“...every party to a case must be afforded a reasonable opportunity to present his or her case under conditions that do not place the party at a substantial disadvantage vis-à-vis the opponent.” See in this respect, ECHR, Kaufman v. Belgium, N° 5362/72, 42 CD 145 (1972) and Bendenoun v. France, A 284, para. 52 (1994).
67. Accordingly, the ECHR considers this principle to include the idea of “a just balance” between the parties. Thus, the ECHR has held that the principle of equality of arms equates to the right to present the case to a court in equal conditions.
68. In light of this situation, the European Court of Human Rights found that:
“...according to the principle of equality of arms, as one of the features of the wider concept of a fair trial, each party must be afforded a reasonable opportunity to present his case in conditions that do not place him at a disadvantage vis-à-vis his opponent.” Cf. ECHR, Foucher v. France, (March 18 1997, para. 34).
69. In Ruiz Mateos v. Spain the ECHR found that:
“…the principle of equality of arms is only one feature of the wider concept of a fair trial, which also includes the fundamental right that proceedings should be adversarial.”
70. The Court went on to add that:
“…within the context of proceedings on a civil right to which persons belonging to that circle are a party, those persons must as a rule be guaranteed free access to the observations of the other participants in these proceedings and a genuine opportunity to comment on those observations.” Cf. ECHR, Ruiz Mateos v. Spain, (23 June 1993, paras. 15, 61, 63 and 65).
71. ECHR has indicated that the principle of “equality of arms” requires that parties in judicial proceedings be able to examine the witnesses of the opponent, be informed of the reasons for administrative decisions, be able to appeal them, and have the right to challenge decisions on equal terms. See, in this respect, ECHR, X v. Austria, N° 5362/72, 42 CD 145 (1972). v. Harris, D. J., O´Boyle, M. O. and Warbrick, C., cit., p. 209; ECHR, Heinrich v. France, A 269-A, para. 56 (1994).
72. It is a fact that Danske Bank International S.A. has acted deceitfully and has defrauded us and numerous other persons in Europe, and that CSSF, the public prosecutor as well as the ministers of Justice and Finance along with the notaries and courts are protecting the crimes that led to this writ of summons. The bank and the said institutions have thus succeeded in their aim; deceiving and defrauding clients / investors to obtain highest possible turnover, concealing and protecting the activity and subsequently making it impossible for the clients / investors to seek any legal assistance or redress.
73. In addition to the many economic problems occurring in the wake of bank-fraud cases – e.g. defrauded and drained clients being forced to liquidation – a protective system has been established to obstruct any attempts from deprived parties (who still wants to fight for their rights) to go to court and have their rights tried.
A few words needs to be said about one particular situation of which the banks in Luxembourg take great advantage of: It is a fact that most of the funds that are placed in Luxembourg banks originate from tax evasive actions in different countries. The Government as well as the banks are fully aware of this, and they know that should the banks’ financial service violate any law, the clients / investors will nevertheless find it hard or even impossible to instigate litigations against the banks as this – at the end of the day – would mean to reveal their secrets and liabilities to the tax authorities. The Government and the banks exploit this situation for all it’s worth.
74. Firstly this has been done by instructing the public prosecutor to shelve all criminal complaints against institutions, firms and well known persons in Luxembourg. Furthermore anyone whose rights have been violated is advised (by the public prosecutor) to contact a Luxembourg lawyer with his/her grievances. As far as we know there are no lawyers in Luxembourg who would think of attacking or even criticising this unlawful, unconstitutional and non-conventional crime-protective system. Anyone who attempts to make public even the smallest illegality in the Government, faces serious reprisals, which the case Roemen and Schmidt v Luxembourg (51772/99, ECHR) is a perfect example of.
75. Secondly all court officers have been instructed that anyone that wants to have their rights tried in a court in Luxembourg, shall be forced to do so through a Luxembourg lawyer, only (who obviously is servile to the system), and that this has to be carried out in French. Since close to all documents in a conventional bank-fraud case in Luxembourg are drawn in English, the client is forced to pay for the translation into the French language, which obviously is costly although totally unnecessary.
76. As a rule one is by the above mentioned provisions guaranteed free access to the adversaries’ observations and a genuine opportunity to comment on these observations. So far so good, but what if these observations are drawn in a language which the defendant doesn’t understand? In that case the observations would be of no value, the same would go for the guarantees of free access to observations and the opportunity to comment on them. The only way to redress this problem is to translate the documents, or to provide the defendant with an interpreter, cf. ECHR Art. 6 (3), litra e. Luxembourg authorities has vigorously rejected all our requests of translating judicial documents, hence leaving us in a legal vacuum totally deprived of our right to defend ourselves.
77. We have not been afforded the opportunity to present our case under such conditions that do not place us at a substantial disadvantage vis-à-vis the opponent in this matter. On the contrary; unlike the adversaries in this matter we are not afforded any opportunities at all to present our case, thus facing a totally unbalanced litigation which clearly gives the adversaries / the offenders an advantage you will (hopefully) not find in many other constitutional states. It goes without saying that such said litigation is a blatant violation of the principle of equality of arms.
78. The observer will notice that the Government is in full control over the (all too few) bank clients who are not willing to obey to this crime-protective system. On March 4 2010 it was announced in the world media that a commercial court in Luxembourg had turned down a lawsuit against UBS and Ernst & Young of which was based on gross negligence in connection with the “Luxembourg-Madoff fraud”. The consequences of this court decision are far-reaching: Thousands of clients have hence been deprived of their lawful right to sue anyone who has acted to the detriment of their interest. The rule of law is, so to speak, ruled out in Luxembourg.
79. Anyhow, we can now clearly see the outline of an unfair preparation for an unfair trial. The Government, its institutions and what the country bases its existence on – the numerous foreign companies – can with ease rely on the five primary obstacles: CSSF, the public prosecutor, the courts, the language and the lawyers/bailiffs/notaries, which makes any legal process against any perpetrators linked to this “social set” of people quite unfair.
80. In short this is the unfair regime we are living under in Luxembourg: The authorities have; refused to investigate obvious crimes in spite of conclusive evidence; shelved close to 30 criminal complaints in this regard; concealed documents and voice recordings proving the crimes; put us under continuous covert surveillance; instigated illegal court proceedings; carried out secret court proceedings; obstructed any attempts of ours to challenge these proceedings, hence obstructed any attempts of defence, etc. This means that we have been given no chance whatsoever to examine witnesses or documents of the adversaries, to be informed of the reasons for any decisions, to be able to appeal these decisions, or the right to challenge these decisions. In fact we have been left tied up in the dark quarter of this crime-protective system, without any possibility to defend ourselves. If fairness and equality of arms have ever existed within the legal system of Luxembourg, it has surely vaporised long time ago.
81. Public hearing: This requirement, that the court be open to the parties, in the sense of ensuring the personal presence of the parties or their representatives, is the focal point at which all the strands of a sensible conception of the public hearing requirement come together and from which all the other aspects derive their full power and meaning, cf. ANSELM FEUERBACH, Betrachtung über die Öffentlichkeit und Mündlichkeit der Gerechtigkeitspflege, Gießen, 1821&1825, para.i, at 96.
82. If a party to a court case does not understand or speak the language of the court, and the court ignores his/her requests for an interpreter and his complaints of unfair trial, the conditions of “public hearing” have not been met. If this is the case, the court is obliged to redress this problem by offering the party an interpreter. Should the court refuse to comply with this demand, then we are left with the conclusion that the party has no access to court, thus there are no public hearing and the provisions mentioned above has been violated.
83. The principle of self-representation – be advised, defended and represented: According to the above mentioned provisions everyone is entitled to have his/her rights tried by a court of law. It goes without saying that a holder of legal rights has a right to defend these rights, in person, whether inside or outside court.
84. In regards to criminal cases this has been more explicitly stated in ECHR Art. 6 (3) litra c. For the Court’s information, this – that it seems that this is a conventional right only for the accused – does obviously not mean that a defendant or a plaintiff in civil matters has lost this right.
85. According to the EU-charter Art. 47 (2), second sentence, a party is guaranteed a right to be advised, defended and represented. This means that a party to a lawsuit is guaranteed a right to defend himself in person, and if he so choose he has the right to be advised, defended and represented as well. Self-representation in the courts is a worldwide recognized principle. Any party to a court case has thus the right to defend his/her rights in person or through legal representation of own choosing.
86. A problem occurs when a party to a court case does not speak or understand the language of the court. This will, as stated earlier, easily be redressed by providing the party with an interpreter. Authorities in Luxembourg have instead of complying with international treaties traditionally obstructed any such attempts by demanding the party to have a Luxembourg lawyer representing the party’s interests in court.
87. Conclusion and demands: In conclusion this means that we are – in accordance with the aforementioned provisions – entitled to be granted access to courts in Luxembourg. Furthermore we are entitled to present our case in court, in person. In this context we would like to inform the Court that Mr. Berge is a jurist, he has been acting as an in-house lawyer for many years, he has won several cases in the ECHR (Strasbourg), and he is fully capable of taking care of our rights and interests in court.
88. The bailiffs’ argument that our writ of summons can not be served as long as we are not represented by a lawyer is a violation of all of the above mentioned provisions. Furthermore, the bailiffs in Luxembourg are not judges but merely – besides standing as by far the largest organization of debt-collectors in the country – messengers of the court where their duty is to serve the court and the parties, or rather; the users of the court. The bailiffs are thus in no position to decide upon whether a writ of summons is admissible or not.
89. As the bailiffs in Luxembourg are ordered to not serve our judicial documents we petition the Court to serve this writ of summons without further due and to grant us access to court, in person, as self-representatives.
90. Oral hearing: The Defendant has wilfully kept documents secret. Furthermore the Defendant has refused to comply with our petition for discovery, hence essential facts have still not been revealed. According to the ECHR and the EU-Charter we are entitled to an oral public hearing before an independent and impartial court of law. The Luxembourg Court of First Instance and its officers have, previously, wilfully and effectively deprived us of this right. Should the judges of the Court of First Instance still believe that European citizens have no conventional rights in Luxembourg, we would then like to remind the Court that this is not so. We will thus claim that we have a conventional right to an oral hearing, of which shall take place in the Court of First Instance.
D. Causes of action against the bank
91. As described in detail above and in the documentation enclosed, the Defendant has committed deceit and/or fraud and/or negligence and/or gross negligence in the course of fulfilling its duties as a financial institution in Luxembourg. The Managing Director is of obvious reasons liable. His criminal or wrongful and/or grossly negligent acts have caused direct harm to the Plaintiffs, acts which have incurred substantial investigation costs and opportunity costs in addition to substantial economic and non-pecuniary loss. Claims for compensation for these losses have been filed in our Counter Claim of December 16 2010, a lawsuit which is still pending.
92. Had the Defendant conducted his duties in accordance with law (in a fair, impartial and professional manner), had he withheld his unlawful activity, had he refrained from acting upon the head quarter’s (Copenhagen) instructions hence refrained from acts which would make him an accomplice to fraud, and had he not committed negligence himself, Danske Bank International S.A. would not have been in a position to collect profit from its fraudulent activity, and the Plaintiffs would therefore not have been harmed. The Defendant is liable for the results of his tortious or quasi-tortious acts, and the Plaintiffs have therefore – in the said Counter Claim of December 16 201 – sought judgment against the Defendant as compensation for the damages they have suffered.
93. It has been established as a fact that the bank has, by fraud and deceit, produced and belatedly presented a fraudulent document – the Mortgage Deed – with the intent to defraud. As described above, this document, and the bank’s presentation of it, violates a number of laws and treaties and carries thus no legal force whatsoever. The said mortgage deed shall thus be struck from the cadastre (the Conservation des Hypothèques, Luxembourg). It has furthermore been proved that the bank in collaboration with notary Francis Kesseler has fabricated a default on October 4 2010, cf. paragraph 11 and 12 above, hence the aforementioned “Commandement” is null and void and shall be declared so by the court.
94. On these grounds the Plaintiffs therefore request that this Court:
- declare that this writ presents a valid claim;
- declare that the Plaintiffs’ claim against the Defendant is valid on the merits;
- declare that the Plaintiffs - In accordance with The United Nations Universal Declaration of Human Rights Art. 10, the ECHR Art. 6 (1) and the EU-Charter Art. 47 – has a right to present their claim in court, in person;
- appoints an interpreter;
- declare that the Krediteröffnungsurkunde, the so called Mortgage deed of January 15 2007, has been produced, presented and utilized in violation with Article 19 (3) of Directive 2004/39/EC;
- declare that the Krediteröffnungsurkunde, the so called Mortgage deed of January 15 2007, is a fraudulent document and is of no legal value;
- declare that the Krediteröffnungsurkunde, the so called Mortgage deed of January 15 2007, shall be struck from the Conservation des Hypothèques, Luxembourg;
- declare that notary Francis Kesseler’s “Commandement” of February 18 2011 is null and void;
- order the Defendant to pay all the costs and expenses of these proceedings;
- order the Defendant to pay interest up to and after the date of judgment in accordance with the terms of the applicable law;
- award such further and other relief as the President may advise and that this Honourable Court may deem just.
The Plaintiffs expressly reserve their right to serve in due course any other legal or natural person who has acted under or on behalf of the Defendant. The Plaintiffs expressly reserve their right to assert other claims or causes of action.
Katalin Baranyi Herman J Berge
PhD Scholar LLB
DATED in Luxembourg this 20th day of May 2011; delivered by fax and mail by the Plaintiffs whose address for service is Mr. Herman J Berge and Ms Katalin Baranyi, 665 rue de Neudorf, L-2220 Luxembourg.
1. Mr. Klaus Mønsted Pedersen, on behalf of Danske Bank
You have been sued. You are a Defendant. You have as many days as the Luxembourg Civil Procedure act provides you with to file and serve a Statement of Defence. You or your lawyer must file your Statement of Defence in the office of the Clerk of the TRIBUNAL D’ARRONDISSEMENT DE LUXEMBOURG [LUXEMBOURG]. You or your lawyer must also leave a copy of your Statement of Defence at the address for service for the Plaintiffs named in this writ.
WARNING: If you do not do both things within the time given, you may automatically (by default judgment) lose the law suit. The Plaintiffs may get a Court judgment against you if you do not file, or do not give a copy to the Plaintiffs, or do either thing late.
Address for Service of the Defendant will be:
- Mr. Klaus Mønsted Pedersen: 13, rue Edward Steichen, P.O. Box 173, 2011 Luxembourg.
Katalin Baranyi Herman J Berge
PhD Scholar LLB
DATED in Luxembourg this 20th day of May 2011; delivered by fax and mail by the Plaintiffs whose address for service is Mr. Herman J Berge and Ms Katalin Baranyi, 665 rue de Neudorf, L-2220 Luxembourg.
 See paragraph 72 below, and the following paragraphs.
 Financial institutions or any other company contributing to the country’s well being.
 The Luxembourg financial supervisory authority.
 A mortgage deed does not give evidence of a loan agreement, its statutes or of a default of any of its statutes. In this regard a mortgage deed does solely stipulate what will happen after a default has occurred.
 This fact has been duly documented in previous correspondence with the said institutions.
 Writ of summons, claims for damages against the judges and others for having carried out a secret hearing and passed a secret decision ordering us to pay the bank in question almost ½ million Euro, filed to the Court of First Instance on November 16 2010.
 Hence it is put in the hands of the lawyers in Luxembourg (not the police / prosecutor) to assess whether the matter is of criminal nature or not.
 A minister of the Government had been fined for tax fraud. A Luxembourg journalist published and article about the matter. In fact the Minister in question instructed a judge to have the police to raid both the journalist’s office and home as well as his lawyer’s office, in search for any evidence which could take down the journalist and his representative, Anne-Marie Schmidt. This is exactly what happens in Luxembourg if anyone dares to shed light on crimes within the administration.
 Please note that the said provisions do not narrow down this right to: “…through a legal representative.”
 In case of Fischer v. Austria, Application no. 16922/90, 26 April 1995, the ECHR found that the plaintiff’s right to a public hearing pursuant to the European Convention on Human Rights included a right to an oral hearing. In finding so, the ECHR considered, inter alia, the important factual issues that needed to be reviewed; Case of Axen v. Germany, Application no. 8273/78, 8 December 1983, where the ECHR writes at paragraph 25 that “…the public character of proceedings before the judicial bodies … protects litigants …”; and Case of Fredin v. Sweden (No. 2), Application no. 18928/91, 23 February 1994, where the ECHR found a violation of the plaintiff’s right to a public hearing, partly based on the factual issues that needed to be addressed in the oral hearing that was requested by the plaintiff and subsequently denied. The ECHR noted that the right to a public hearing “may entail … an ‘oral hearing’ ” (para. 21), “…the Court is of the view that, in such circumstances at least, Article 6 para. 1 …guarantees a right to an oral hearing” (para. 22).