{"id":12064,"date":"2021-11-08T18:03:22","date_gmt":"2021-11-08T16:03:22","guid":{"rendered":"https:\/\/www.hupkesadvocaten.nl\/our-expertise\/duty-of-care-banks\/"},"modified":"2022-08-17T17:30:21","modified_gmt":"2022-08-17T15:30:21","slug":"duty-of-care-banks","status":"publish","type":"page","link":"https:\/\/www.hupkesadvocaten.nl\/en\/our-expertise\/duty-of-care-banks\/","title":{"rendered":"Duty of Care Banks"},"content":{"rendered":"<p><header class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--link_hover_color: #bd0f23;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:0px;--awb-padding-left:0px;--awb-margin-top:0%;--awb-margin-bottom:0%;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-align-content-center fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-flex-align-self-center\" style=\"--awb-padding-top:0%;--awb-padding-right:0%;--awb-padding-bottom:0%;--awb-padding-left:0%;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:0%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-row fusion-flex-align-items-center\">\t\t\t\t\t<div class=\"fusion-slider-container fusion-slider-sc-hupkes-expertise-en fusion-slider-957 full-width-slider\" style=\"height:500px; max-width:100%;\" data-id=\"957\" data-full_height=\"\">\n\t\t\t\t\t\t<style type=\"text\/css\">.fusion-slider-957 .flex-direction-nav a {width:63px;height:63px;line-height:63px;font-size:25px;}<\/style>\t\t\t\t\t\t<div class=\"fusion-slider-loading\">Loading...<\/div>\n\t\t\t\t\t\t<div class=\"tfs-slider flexslider main-flex full-width-slider\" data-slider_width=\"100%\" data-slider_height=\"500px\" data-full_screen=\"0\" data-parallax=\"1\" data-nav_arrows=\"0\" data-nav_arrow_size=\"25px\" data-nav_box_width=\"63px\" data-nav_box_height=\"63px\" data-slideshow_speed=\"7000\" data-loop=\"0\" data-autoplay=\"0\" data-orderby=\"date\" data-order=\"DESC\" data-animation=\"fade\" data-animation_speed=\"600\" data-typo_sensitivity=\"0.1\" data-typo_factor=\"1.5\" style=\"max-width:100%;\">\n\t\t\t\t\t\t\t<ul class=\"slides\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li data-mute=\"yes\" data-loop=\"yes\" data-autoplay=\"yes\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"slide-content-container slide-content-center\" style=\"display: none;\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-content\" style=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"heading \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"fusion-title-sc-wrapper\" style=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:#ffffff;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;--awb-sep-color:#ffffff;--awb-font-size:38px;\"><h2 class=\"fusion-title-heading title-heading-center\" style=\"margin:0;font-size:1em;line-height:45.6px;\">OUR EXPERTISE<\/h2><\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background background-image\" style=\"background-image: url(https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2015\/02\/slide-2.jpg);max-width:100%;height:500px;filter: progid:DXImageTransform.Microsoft.AlphaImageLoader(src='https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2015\/02\/slide-2.jpg', sizingMethod='scale');\" data-imgwidth=\"2560\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li data-mute=\"yes\" data-loop=\"yes\" data-autoplay=\"yes\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"slide-content-container slide-content-center\" style=\"display: none;\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-content\" style=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background background-image\" style=\"background-image: url(https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2015\/02\/hupkes4-hoger-1-scaled.jpg);max-width:100%;height:500px;filter: progid:DXImageTransform.Microsoft.AlphaImageLoader(src='https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2015\/02\/hupkes4-hoger-1-scaled.jpg', sizingMethod='scale');\" data-imgwidth=\"2560\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div><\/div><\/div><\/header><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-background-position:left top;--awb-border-sizes-top:0px;--awb-border-sizes-bottom:0px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:110px;--awb-padding-bottom:80px;--awb-padding-top-medium:72px;--awb-padding-bottom-medium:60px;--awb-padding-bottom-small:48px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-flex-align-self-flex-start fusion-column-no-min-height\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:0px;margin-bottom:0px;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#0d4f99;border-color:#0d4f99;border-top-width:5px;\"><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column green-border rounded-border\" style=\"--awb-padding-top:60px;--awb-padding-right:60px;--awb-padding-bottom:50px;--awb-padding-left:60px;--awb-padding-bottom-medium:16px;--awb-bg-color:#ffffff;--awb-bg-color-hover:#ffffff;--awb-bg-size:cover;--awb-border-color:#e2e2e2;--awb-border-top:1px;--awb-border-right:1px;--awb-border-bottom:1px;--awb-border-left:1px;--awb-border-style:solid;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:40px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:25%;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:7.68%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-margin-right:30px;--awb-max-width:300px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"300\" height=\"300\" title=\"cashier care\" src=\"https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2021\/11\/geldkistzorg.jpg\" data-orig-src=\"https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2021\/11\/geldkistzorg-300x300.jpg\" alt class=\"lazyload img-responsive wp-image-11790\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27500%27%20height%3D%27500%27%20viewBox%3D%270%200%20500%20500%27%3E%3Crect%20width%3D%27500%27%20height%3D%27500%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2021\/11\/geldkistzorg-200x200.jpg 200w, https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2021\/11\/geldkistzorg-400x400.jpg 400w, https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2021\/11\/geldkistzorg.jpg 500w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1024px) 100vw, (max-width: 850px) 100vw, 400px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_2_3 2_3 fusion-flex-column fusion-flex-align-self-center\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0px;--awb-width-medium:75%;--awb-spacing-right-medium:2.56%;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-title-text fusion-title-size-three\" style=\"--awb-margin-bottom:20px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><div class=\"title-sep-container title-sep-container-left fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><div class=\"title-sep sep- sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><\/span><h3 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">DUTY OF CARE BANKS<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep- sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><div class=\"fusion-text fusion-text-1\" style=\"--awb-text-transform:none;\"><p>Our office has gained extensive experience in cases concerning products of financial institutions: banks and insurers. These institutions must observe a \u201cduty of care\u201d. Driven by incentives such as sales bonuses, things don&#8217;t always go well.<\/p>\n<h3>Share Lease Affair<\/h3>\n<p>Shortly after the establishment of our office, the securities leasing affair erupted. Dexia, Aegon and other institutions had often sold inexperienced customers loans, which were used to invest in shares. The contracts expired when the prices were low, resulting in a residual debt. The customers \u2013 most had no experience whatsoever with investing and thought they would save \u2013 were sued en masse by the banks. We received more than 500 cases under consideration. The odds soon turned. The banks had made big mistakes in selling the products and the tables turned: customers got their money back and the banks had to take their losses. Dexia even had to close its branch in the Netherlands. In this affair we have gained experience with the largest collective lawsuit to date: the declaration of universal binding force of the \u201cDuisenberg Regulation\u201d.<\/p>\n<h3>Usury policies<\/h3>\n<p>The securities lease affair was followed by a series of other affairs, such as the usury policies. Insurers and banks sold investment policies with disappointing returns. This is the result of largely hidden costs, about which no information was provided to the customer when the contract was concluded. A large number of lawsuits are still pending. The tactics of the banks and insurers are opting for a war of attrition.<\/p>\n<hr \/>\n<div class=\"fb-video fb_iframe_widget fb_iframe_widget_fluid_desktop\" data-href=\"https:\/\/www.facebook.com\/TijdvoorMeldpunt\/videos\/1503270973093415\/\" data-width=\"500\"><span style=\"vertical-align: bottom; width: 500px; height: 280px;\"><iframe class=\"\" style=\"border: none; visibility: visible; width: 500px; height: 280px;\" title=\"fb:video Facebook Social Plugin\" src=\"https:\/\/www.facebook.com\/plugins\/video.php?app_id=113020565471594&amp;channel=https%3A%2F%2Fstaticxx.facebook.com%2Fx%2Fconnect%2Fxd_arbiter%2F%3Fversion%3D46%23cb%3Df36a24232028e8c%26domain%3Dwww.hupkesadvocaten.nl%26is_canvas%3Dfalse%26origin%3Dhttps%253A%252F%252Fwww.hupkesadvocaten.nl%252Ff244fa2de305af%26relation%3Dparent.parent&amp;container_width=600&amp;href=https%3A%2F%2Fwww.facebook.com%2FTijdvoorMeldpunt%2Fvideos%2F1503270973093415%2F&amp;locale=en_US&amp;sdk=joey&amp;width=500\" name=\"f2f5dcc7205baec\" width=\"500px\" height=\"1000px\" frameborder=\"0\" scrolling=\"no\" allowfullscreen=\"allowfullscreen\" data-testid=\"fb:video Facebook Social Plugin\"><\/iframe><\/span><\/div>\n<p><em>The video shows a fragment of the broadcast of \u201cMeldpunt\u201d broadcast of October 18, 2017, \u201cForeign callers are chasing Dutch savings\u201d, in the presence of our lawyer Marius Hupkes. Copyright Broadcasting Max.<br \/>\n<\/em><\/p>\n<hr \/>\n<h3>Interest surcharges<\/h3>\n<p>Smaller affairs also play a role in the financial world, which are nevertheless of great importance to customers. The European Central Bank has cut interest rates sharply to boost lending and stimulate the economy. The banks do not always pass this low interest rate on to customers, on the contrary: they respond with a surcharge on the interest rate. The legal basis for this is sometimes weak or downright invalid. In the case of residential mortgages, the banks have already been called back several times by the courts.<\/p>\n<h3>Special management<\/h3>\n<p>Something similar is happening with loans to businesses. Banks can place companies with their Special Management department and demand all kinds of measures to repay credit more quickly. Sometimes this has to do with actual problems at the company. In other cases, it essentially concerns problems at the bank (desired contraction of the loan portfolio). We act for entrepreneurs who are pressured to change credit arrangements. A bank (fortunately) has to meet a large number of due care requirements; the primary function of a bank is that it serves the economy and cannot therefore always put its own interests first.<\/p>\n<h3>Preventing the sale of a home due to undervalue<\/h3>\n<p>A separate category of cases in which we have gained experience with proceedings against the economic and legal power of banks concerns the enforcement of the sale of homes with equity against the will of the bank. This problem affects people with debts. By blocking the sale of a house that is under water, the bank can prevent the customer&#8217;s admission to the <a href=\"https:\/\/www.hupkesadvocaten.nl\/en\/our-expertise\/debt-restructuring\/\">Debt Rescheduling Act<\/a> . The bank can follow this course because the residual debt on the house will not be realized (which would then be restructured via the WSNP). This problem often arises in <a href=\"https:\/\/www.hupkesadvocaten.nl\/en\/our-expertise\/division-of-co-owned-property\/\">the division of the house<\/a> after a divorce. Another perspective is that of the buyer of a home with residual debt, who wants to enforce a purchase that is blocked by the bank. Read here about a case from our practice, in which a bank is indirectly forced to &#8220;exclude&#8221; a mortgage and to take a residual debt, which is then restructured by the sellers via the WSNP. A background article about the problem of debt restructuring of residual debts of unsold houses in the event of divorce can be found <a href=\"https:\/\/www.hupkesadvocaten.nl\/en\/can-you-go-into-debt-restructuring-if-your-house-hasnt-been-sold-yet\/\">here<\/a> .<\/p>\n<h3>over-credit<\/h3>\n<p>Matters about granting loans that are too high in relation to income are difficult, partly because the damage to be claimed must take into account the benefit received in the form of the loan paid. Nevertheless, we have also achieved good results in this category of cases \u2013 sometimes very extreme cases. For example, we have helped very elderly customers who had already paid off their mortgage and then were offered a new mortgage, after which the money was invested in a risky way. The investments were lost and the debt remained, while this customer group needed no investments or debt at all. These are financial institutions that are no longer active in the Netherlands.<\/p>\n<h3>Duty of care towards third parties<\/h3>\n<p>The forms of duty of care discussed above are all part of the contractual relationship between the bank and the client-account holder. But in the Netherlands, banks also have a duty of care towards third parties: persons or institutions that are not account holders. This form of duty of care is not part of contract law, but a variant of <a href=\"https:\/\/www.hupkesadvocaten.nl\/en\/our-expertise\/unlawful-act\/\">tort<\/a> and delict and a consequence of the necessary trust in the banking system, as the Supreme Court has considered in, among other things, the Safe Haven decision. A practical application of the duty of care towards third parties can be seen in fraud and fraud cases by customers of a bank. Third parties who become victims of this can address the bank if certain conditions are met. Of course, the perpetrator can also be addressed, but cunning perpetrators ensure that loot obtained through fraud disappears. That is why proceedings against banks that have given offenders the opportunity by offering an account are regularly encountered. An example is the Footlocker\/ING case. In this case, the court orders the bank to pay compensation for damage caused by someone else, in short because the bank handled the situation too lax. We wrote a blog about this case: <a href=\"https:\/\/www.hupkesadvocaten.nl\/en\/does-a-bank-have-a-duty-of-care-towards-third-parties\/\">read more here<\/a> . De Nederlandsche Bank NV, the supervisory authority, has prescribed <a href=\"https:\/\/www.hupkesadvocaten.nl\/en\/transaction-monitoring-more-fraud-claims-for-banks\/\">transaction<\/a> monitoring to prevent this type of situation. However, this does not mean that banks are exempt from fraud, they can still be held liable by third parties.<\/p>\n<p><em>Specialist:<\/em><\/p>\n<p><img decoding=\"async\" class=\"lazyload alignnone size-thumbnail wp-image-1556\" src=\"https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2021\/10\/marius-hupkes-150x150.jpg\" data-orig-src=\"https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2021\/10\/marius-hupkes-150x150.jpg\" alt=\"\" width=\"150\" height=\"150\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27150%27%20height%3D%27150%27%20viewBox%3D%270%200%20150%20150%27%3E%3Crect%20width%3D%27150%27%20height%3D%27150%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2021\/10\/marius-hupkes-66x66.jpg 66w, https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2021\/10\/marius-hupkes-150x150.jpg 150w, https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2021\/10\/marius-hupkes-200x200.jpg 200w, https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2021\/10\/marius-hupkes.jpg 300w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/p>\n<p>Marius Hupkes<\/p>\n<h4>More information about the <a href=\"https:\/\/www.hupkesadvocaten.nl\/en\/expertises\/duty-of-care-banks\/\">Duty of Care Banks<\/a><\/h4>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-bg-parallax\" data-bg-align=\"center center\" data-direction=\"up\" data-mute=\"false\" data-opacity=\"100\" data-velocity=\"-0.5\" data-mobile-enabled=\"false\" data-break_parents=\"0\" data-bg-image=\"https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2015\/02\/where-we-work-parallax.jpg\" data-bg-repeat=\"false\" ><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container fusion-parallax-up nonhundred-percent-fullwidth non-hundred-percent-height-scrolling lazyload\" style=\"--awb-border-sizes-top:0px;--awb-border-sizes-bottom:0px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:150px;--awb-padding-bottom:160px;--awb-background-size:cover;--awb-flex-wrap:wrap;\" data-bg=\"https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2015\/02\/where-we-work-parallax.jpg\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_2_3 2_3 fusion-flex-column fusion-flex-align-self-flex-start fusion-column-no-min-height\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-title-center fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:#ffffff;--awb-margin-bottom:30px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:30px;--awb-margin-left-small:0px;\"><div class=\"title-sep-container title-sep-container-left\"><div class=\"title-sep sep- sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer\"><\/span><h2 class=\"fusion-title-heading title-heading-center\" style=\"margin:0;\">THE FIRST CALL IS NON-CONSULTING<\/h2><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep- sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><div class=\"fusion-separator\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:10px;margin-bottom:30px;width:100%;max-width:170px;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#444c56;border-color:#444c56;border-top-width:1px;\"><\/div><\/div><div class=\"fusion-text fusion-text-2\"><h3 style=\"text-align: center; color: #ffffff; font-weight: 400;\">At our office, the first consultation with a lawyer is always without obligation. During an introductory meeting it is almost always possible to make a good estimate of both the chances of success of your case and the costs. We ask new clients to first email us their legal question via a web form.<\/h3>\n<\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat button-xlarge button-custom fusion-button-default button-1 fusion-button-default-span \" style=\"--awb-margin-top:30px;--button_accent_color:#ffffff;--button_border_color:#d1c21a;--button_accent_hover_color:#ffffff;--button_border_hover_color:#d1c21a;--button_border_width-top:0px;--button_border_width-right:0px;--button_border_width-bottom:0px;--button_border_width-left:0px;--button_gradient_top_color:#d1c21a;--button_gradient_bottom_color:#d1c21a;--button_gradient_top_color_hover:#d1c21a;--button_gradient_bottom_color_hover:#d1c21a;\" target=\"_self\" href=\"https:\/\/www.hupkesadvocaten.nl\/en\/contact\/\"><i class=\"fa-info-circle fas awb-button__icon awb-button__icon--default button-icon-left\" aria-hidden=\"true\"><\/i><span class=\"fusion-button-text awb-button__text awb-button__text--default\">CONTACT US<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":0,"parent":11950,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-12064","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Duty of Care Banks - Hupkes Lawyers Amsterdam, Netherlands<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.hupkesadvocaten.nl\/en\/our-expertise\/duty-of-care-banks\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Duty of Care Banks - Hupkes Lawyers Amsterdam, Netherlands\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.hupkesadvocaten.nl\/en\/our-expertise\/duty-of-care-banks\/\" \/>\n<meta property=\"og:site_name\" content=\"Hupkes cs advocaten\" \/>\n<meta property=\"article:modified_time\" content=\"2022-08-17T15:30:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2021\/10\/marius-hupkes-150x150.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@hupkesadvocaten\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/en\\\/our-expertise\\\/duty-of-care-banks\\\/\",\"url\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/en\\\/our-expertise\\\/duty-of-care-banks\\\/\",\"name\":\"Duty of Care Banks - Hupkes Lawyers Amsterdam, Netherlands\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/en\\\/our-expertise\\\/duty-of-care-banks\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/en\\\/our-expertise\\\/duty-of-care-banks\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/wp-content\\\/uploads\\\/2021\\\/10\\\/marius-hupkes-150x150.jpg\",\"datePublished\":\"2021-11-08T16:03:22+00:00\",\"dateModified\":\"2022-08-17T15:30:21+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/en\\\/our-expertise\\\/duty-of-care-banks\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/en\\\/our-expertise\\\/duty-of-care-banks\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/en\\\/our-expertise\\\/duty-of-care-banks\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/wp-content\\\/uploads\\\/2021\\\/10\\\/marius-hupkes-150x150.jpg\",\"contentUrl\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/wp-content\\\/uploads\\\/2021\\\/10\\\/marius-hupkes-150x150.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/en\\\/our-expertise\\\/duty-of-care-banks\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Our expertise\",\"item\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/en\\\/onze-expertise\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Duty of Care Banks\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/en\\\/\",\"name\":\"Hupkes cs advocaten\",\"description\":\"Uw advocaat in Amsterdam\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/en\\\/#organization\",\"name\":\"Hupkes cs advocaten\",\"alternateName\":\"Hupkes advocaten\",\"url\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/wp-content\\\/uploads\\\/2021\\\/09\\\/hupkeslogo.jpg\",\"contentUrl\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/wp-content\\\/uploads\\\/2021\\\/09\\\/hupkeslogo.jpg\",\"width\":100,\"height\":132,\"caption\":\"Hupkes cs advocaten\"},\"image\":{\"@id\":\"https:\\\/\\\/www.hupkesadvocaten.nl\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/x.com\\\/hupkesadvocaten\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Duty of Care Banks - Hupkes Lawyers Amsterdam, Netherlands","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.hupkesadvocaten.nl\/en\/our-expertise\/duty-of-care-banks\/","og_locale":"en_US","og_type":"article","og_title":"Duty of Care Banks - Hupkes Lawyers Amsterdam, Netherlands","og_url":"https:\/\/www.hupkesadvocaten.nl\/en\/our-expertise\/duty-of-care-banks\/","og_site_name":"Hupkes cs advocaten","article_modified_time":"2022-08-17T15:30:21+00:00","og_image":[{"url":"https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2021\/10\/marius-hupkes-150x150.jpg","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_site":"@hupkesadvocaten","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.hupkesadvocaten.nl\/en\/our-expertise\/duty-of-care-banks\/","url":"https:\/\/www.hupkesadvocaten.nl\/en\/our-expertise\/duty-of-care-banks\/","name":"Duty of Care Banks - Hupkes Lawyers Amsterdam, Netherlands","isPartOf":{"@id":"https:\/\/www.hupkesadvocaten.nl\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.hupkesadvocaten.nl\/en\/our-expertise\/duty-of-care-banks\/#primaryimage"},"image":{"@id":"https:\/\/www.hupkesadvocaten.nl\/en\/our-expertise\/duty-of-care-banks\/#primaryimage"},"thumbnailUrl":"https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2021\/10\/marius-hupkes-150x150.jpg","datePublished":"2021-11-08T16:03:22+00:00","dateModified":"2022-08-17T15:30:21+00:00","breadcrumb":{"@id":"https:\/\/www.hupkesadvocaten.nl\/en\/our-expertise\/duty-of-care-banks\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.hupkesadvocaten.nl\/en\/our-expertise\/duty-of-care-banks\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.hupkesadvocaten.nl\/en\/our-expertise\/duty-of-care-banks\/#primaryimage","url":"https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2021\/10\/marius-hupkes-150x150.jpg","contentUrl":"https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2021\/10\/marius-hupkes-150x150.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/www.hupkesadvocaten.nl\/en\/our-expertise\/duty-of-care-banks\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.hupkesadvocaten.nl\/en\/"},{"@type":"ListItem","position":2,"name":"Our expertise","item":"https:\/\/www.hupkesadvocaten.nl\/en\/onze-expertise\/"},{"@type":"ListItem","position":3,"name":"Duty of Care Banks"}]},{"@type":"WebSite","@id":"https:\/\/www.hupkesadvocaten.nl\/en\/#website","url":"https:\/\/www.hupkesadvocaten.nl\/en\/","name":"Hupkes cs advocaten","description":"Uw advocaat in Amsterdam","publisher":{"@id":"https:\/\/www.hupkesadvocaten.nl\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.hupkesadvocaten.nl\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.hupkesadvocaten.nl\/en\/#organization","name":"Hupkes cs advocaten","alternateName":"Hupkes advocaten","url":"https:\/\/www.hupkesadvocaten.nl\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.hupkesadvocaten.nl\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2021\/09\/hupkeslogo.jpg","contentUrl":"https:\/\/www.hupkesadvocaten.nl\/wp-content\/uploads\/2021\/09\/hupkeslogo.jpg","width":100,"height":132,"caption":"Hupkes cs advocaten"},"image":{"@id":"https:\/\/www.hupkesadvocaten.nl\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/x.com\/hupkesadvocaten"]}]}},"_links":{"self":[{"href":"https:\/\/www.hupkesadvocaten.nl\/en\/wp-json\/wp\/v2\/pages\/12064","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hupkesadvocaten.nl\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.hupkesadvocaten.nl\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.hupkesadvocaten.nl\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hupkesadvocaten.nl\/en\/wp-json\/wp\/v2\/comments?post=12064"}],"version-history":[{"count":13,"href":"https:\/\/www.hupkesadvocaten.nl\/en\/wp-json\/wp\/v2\/pages\/12064\/revisions"}],"predecessor-version":[{"id":12530,"href":"https:\/\/www.hupkesadvocaten.nl\/en\/wp-json\/wp\/v2\/pages\/12064\/revisions\/12530"}],"up":[{"embeddable":true,"href":"https:\/\/www.hupkesadvocaten.nl\/en\/wp-json\/wp\/v2\/pages\/11950"}],"wp:attachment":[{"href":"https:\/\/www.hupkesadvocaten.nl\/en\/wp-json\/wp\/v2\/media?parent=12064"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}