Text file: 6566.txt
author: Mobb
downvotes: 6
end consideration date: 2015-03-25
id: '6566'
number comments: 6
number views: 3086
proposal type: Competent authority response
response: "Response by the Ministry of Labour, Family, Social Affairs and Equal Opportunities\n\
  The fact is that, although social assistance benefits are exempt from execution\
  \ under Article 159 of the Income Tax Act-2 and Article 101 of the Social Insurance\
  \ Act, banks can, in fact, interfere with the funds in a bank account, even if they\
  \ are social transfers, but only for the sole purpose of looking into the possibility\
  \ of execution. In fact, banks have stipulated in their general terms and conditions\
  \ of business, which are signed by each customer who opens an account with a particular\
  \ bank, that they may, in view of the costs incurred, interfere with all the available\
  \ funds in the account of the account holder (Payment Transfers Act). These terms\
  \ and conditions are laid down in the Banking Act. As a consequence, banks charge\
  \ the beneficiary's accounts for the costs of the access, i.e. for the costs of\
  \ receiving and processing the court order and the order of other public authorities\
  \ and the enforcement order.\nThe Ministry has therefore already sought joint solutions\
  \ with the Ministry of Justice, which is the holder of the Enforcement Act, on the\
  \ basis of the above-mentioned problem and has come up with two possible solutions.\
  \ One possible solution to this problem is the introduction of a social card, which\
  \ unfortunately entails a financial burden. The other possible solution is to amend\
  \ the Law on Enforcement. The amendments to the law could then state when banks\
  \ should not charge for access to accounts. On this basis, together with the Ministry\
  \ of Justice, we have set up a working group to work out the best solution for citizens.\
  \ The Ministry of Labour, Family, Social Affairs and Equal Opportunities will nominate\
  \ State Secretary Martina Vuk and the Head of the Administrative Legal Affairs Division\
  \ of the Social Affairs Directorate, Barbara Stari\u010D Strajnar, to the working\
  \ group.\nThe working group will meet next week and we expect to have solutions\
  \ ready within a month.\n \n "
response date: 2015-05-05
response due date: null
sent date: 2015-02-24
title: Banks
upvotes: 23
url: https://predlagam.vladi.si/predlog/6566
