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Foreign students to pay university fees

University fees for foreign students studying in Sweden will be introduced in the autumn of 2011, the Swedish government announced on Friday morning.

Foreign students to pay university fees

The government will present its proposition to parliament later on Friday, university and higher education minister Tobias Krantz told reporters.

“We want to compete in the international education market on the quality of Sweden’s education system, rather than simply because Sweden’s education is free of charge,” Krantz said.

“Sweden is one of the easiest countries in the world to apply for a university place, with a large number of foreign students and high number of online courses – but many of these don’t complete their studies.”

Krantz conceded that numbers may fall initially.

“In the short term it is reasonable to expect that numbers will fall, but Sweden is a knowledge nation, we have strong English skills and many courses are held in English; I am convinced that in the longer term we will continue to attract large numbers of foreign students to Sweden,” Krantz said.

The minister confirmed that the government was not at this stage able to specify the level of the new fees but noted as a basic principle that the fees should cover the costs of education provision.

“We will come back with information over how high the charge will be, I can not state how high it is today. It will vary depending on education and place of learning,” Krantz said.

Speaking to The Local last May, Anders Steinwall at the education ministry said each university would be able to decide its own fees, but added that the estimated average would amount to 70,000 to 80,000 kronor ($9,500 to $11,000) per year.

The government also announced that two scholarship systems will be introduced.

The first scholarship system, worth 30 million kronor ($4 million) per annum, will be directed at students in the 12 countries with which Sweden holds long-term aid agreements.

The second, amount to 60 million kronor per annum from 2012, will be available for exceptional students.

The fees will be introduced for students from countries outside of the EU/EEA area.

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Why a German court decision means you could be entitled to compensation from your bank

Germany’s federal high court has ruled that the Postbank is not allowed to raise fees without the explicit consent of a customer. The ruling is likely to have consequences for almost all German banks. Here’s how you can benefit from it.

Why a German court decision means you could be entitled to compensation from your bank
Postbank. credit: dpa-Zentralbild | Jens Kalaene

The federal High Court (BGH) announced on Tuesday that it was not permissible for Postbank to change its terms and conditions based on a clause which stated that the customer’s consent would be assumed unless they expressly rejected the new terms.

The BGH ruled that “clauses in a bank’s general terms and conditions are invalid that assume the customer’s consent to changes in the general terms and conditions.”

The national consumer rights organization (VZBZ) had taken the bank to court because of the clause.

Postbank is far from the only bank to have such a clause, according to Der Spiegel. Most German banks have either exactly the same clause or one that has the same effect.

The clauses have been used by banks to increase account fees without expressly gaining the consent of the customer.

The ruling, coming from the country’s highest court, will have a wider impact than simply on this specific case.

According to the website finanztip.de customers can now reclaim all bank fees that have been introduced without the express consent of the customer since the start of 2018.

In other words, if you opened a bank account without having to pay fees for it and the bank subsequently started charging fees, you are likely to be entitled to compensation. The only circumstances under which you are not entitled to such compensation are when you signed a document giving your express consent to the new fees.

Finanztip has created a model letter (in German) that you can use to claim the wrongly charged expenses from your bank. They also say that you are entitled to charge interest on the fees.

According to Der Spiegel, two things are likely to happen when you request repayment from the bank.

Either the bank will say that it was surprised by the decision but will immediately consent to the repayment. It will then inform you of new fees to be paid on your account and ask you to sign a consent form, stating that your account will be cancelled if you do not do so.

You can either sign the form or look for a cheaper account elsewhere.

It is also possible that the bank will claim that the ruling does not cover the specific fees that were charged on your bank account.

In this case you can contact the bank ombudsman and request that they pursue the case for you. There are no costs involved in recruiting the services of the ombudsman.

SEE ALSO: How post-Brexit bank changes could affect British people in Germany

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