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Unions slam fees for foreign students

Student groups have roundly criticised the Swedish government's move to charge fees to non-EU/EEA college and universty students from the autumn term 2011.

Klas-Herman Lundgren at the Swedish National Union of Students (Sveriges Förenade Studentkårer, SFS) argued that the government should be allocating more resources if it wants to improve the quality of education on offer at Swedish seats of learning.

“The government should take its responsibility for further education. Introducing fees will only harm the internationalisation of Sweden’s universities, and do nothing for quality,” he told The Local on Friday.

Lundgren pointed to the example of Denmark, which experienced a dramatic decline in the numbers of international students after introducing fees, and warned that students will look elsewhere.

“This will hurt universities in Sweden. Both financially, as they will lose the income that foreign students bring in from the current financing system, and also the international angle.”

Lundgren, whose organisation represents 250,000 students in Sweden, argued that international students need to be regarded as a resource.

“International students are not simply a cost, or a business opportunity, they also contribute to learning and to their colleagues by bringing different experiences,” he said.

Minister for Higher Education and Research Tobias Krantz, in presenting the government’s proposal to reporters on Friday, argued that the goal is for Sweden to claim a larger slice of the international higher education market on the quality of the product and not on price alone.

Krantz expressed confidence in Sweden’s potential to attract international students in the longer term, arguing that the country has strong English language skills and high levels of expertise.

The Local on Friday spoke to Houssam Toufaili, a Lebanese IT student at the KTH Royal Institute of Technology, and asked why he chose Sweden.

“Within IT, Sweden is one of the best countries. That was a factor for me, but the main motivation was that it was free,” he said.

Would you have come if you would have had to pay?

“That would depend on how much the fees were. For the levels I have heard quoted I would have chosen somewhere else,” Toufaili told The Local.

“The English is also a factor. The university courses are in English, but the society is not – I found it hard to fit in. Going to the UK was my dream, but Sweden is what I could afford,” he explained.

Do you think Sweden can compete for foreign students on quality?

“That depends on the field. If I compare to my country, Lebanon, Sweden can definitely offer better IT courses; but not in medicine for example. Sweden would need to focus its marketing on its strengths.”

The government also announced on Friday the introduction of two new scholarship systems with one offering 30 million kronor ($4 million) to students from its 12 key Swedish development aid partners.

The Local asked Klas-Herman Lundgren if Sweden had a responsibility of solidarity to students from less well-off countries and whether taxpayers should be expected to foot the bill for their higher education.

“Sweden has a responsibility to ensure that it it not the size of one’s wallet that dictates their choice of university.”

“These scholarship allocations would have to be six times as large in order to get close to covering demand,” Lundgren claimed.

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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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