Krediet (hypotheek)  

De Autoriteit Financiële Markten (AFM) heeft op 22 april 2011 een bestuurlijke boete van € 50.000,- aan Dealer Totaal Concept B.V. (DTC) opgelegd voor niet-passend advies bij het aangaan van overeenkomsten van consumptief krediet en betalingsbeschermers. DTC is een financiële dienstverlener die bemiddelt in consumptieve kredieten en betalingsbeschermers. Een betalingsbeschermer verzekert de consument tegen terugval in inkomen bij arbeidsongeschiktheid, werkloosheid of overlijden.

Lees meer hier

Ook de Advertising Standards Authorization, de RCC in Groot Britannië, heeft een bundel uitspraken gepubliceerd. Categorieën variëren van badkamers tot keukens, servicebeurten, vliegmaatschappijen (over lage prijzen - bikini's en lage temperaturen), hernieuwbare energie, een klacht over een vacature (self employed en geen arbeidsrelatie), gratis 0800-nummers, ooglaserbehandeling, luizenapparaat, dieetprogramma, autoreclame, vitaminwater, een bank, positive health clinic, Groupon-actie, reisvergelijker "travelsupermarket", "call girl competition".

Zie plaatje hieronder voor uitspraken van 27 april (klik voor vergroting), klik voor de directe site hier:

Zie plaatje hieronder voor uitspraken van 20 april (klik voor vergroting):

Sensible Price Kitchens
Two regional press ads for Sensible Price Kitchens. a. One ad stated "M.F.I IN ADMINISTRATION One Thousand M.F.I Kitchens All Kitchens with Appliances Only £795 Complete". b. The second ad stated "MFI IN ADMINISTRATION 1000 of ex mfi kitchens to clear, full kitchens with appliances only £795 complete".

Servicing Stop Ltd
A radio ad for Servicing Stop Ltd, trading as servicingstop.co.uk, on Absolute Radio. A voice rapped "If you've got yourself a car, you know you've got to keep it serviced. You need a place you can trust and won't make you nervous ... And the really good news, it costs much less than main dealers ...". Singers in the background repeated "You need servicingstop.co.uk" throughout the ad.

Ryanair Ltd
a. A press ad for Ryanair featured a woman sun bathing on a beach and stated "FOR LOW FARES IN 2011 BOOK AT RYANAIR.COM SALE (TRAVEL FEB-MAR) ONE WAY, FROM £8. BOOK TO THE SUN NOW! RYANAIR". Small print stated "Book until midnight 10.01.11. Subject to availability. Terms and conditions apply, see Ryanair.com for details. Fares exclude optional fees/charges. Flights from London (Stansted). b. A second press ad for Ryanair flights to Dublin stated "FLY RYANAIR one way from £27.99". Small print...

Peel Environmental Ltd
A brochure promoting a proposed Renewable Energy Centre in North Selby stated "Bringing a Renewable Energy Centre to North Selby. UK Coal and Peel Environmental are bringing forward proposals to develop the first Renewable Energy Centre of its kind at North Selby. The £30 million Centre, which has the backing of the Science City York, will see the former North Selby mine at Escrick transformed into a world class facility for biorenewables research alongside energy recovery facilities that...

Peel Environmental Ltd
A brochure promoting a proposed Renewable Energy Centre in North Selby stated "UK Coal and Peel Environmental are bringing forward proposals to develop the first Renewable Energy Centre of its kind at North Selby ... The proposed Renewable Energy Centre seeks to build on Yorkshire and Humber's reputation as a world leader in the development of the technologies of the future". Inside the brochure text stated "The Renewable Energy Centre will help to deal with the region's waste in a more...

Smiths Marketing Associates
An internet ad for job vacancies was headed "Marketing Assistant/Marketing Associate/Marketing Advisor - Edinburgh - Permanent". Text underneath read "A REMARKABLE OPPORTUNITY IN MARKETING!" Further text stated the rate was "£16k to £20k per year (Result Based) GBP".

UK2Telecom Ltd
A sponsored search ad, for uk2numbers.co.uk, stated "Free 0800 Numbers UK Instant 0800 Number Activation! Free Line Rental. Advanced Service."

Unite The Union Ltd
A national press ad, for a trade union, was headed "What do you think of when you think British Airways?". The ad made various claims about the BA cabin crew dispute, including "Our members want you to always think positively about BA ... But three times in the past two years they have voted overwhelmingly to take industrial action at the airline ... Unite cabin crew members at BA are mainly female, working mums ... The vast majority will dedicate 25 years or more service to the airline ......

Trinity Mirror plc
A competition in the Sunday Mail, to win laser eye treatment stated "We've teamed up with Ultralase, the UK's leading vision correction specialist ... to give one lucky reader free ... laser eye treatment". It also stated "Ultralase has perfected the vision of over 125,000 people using state-of-the-art technology and the highest qualified team of surgeons in the UK. They are also the only laser eye specialist to offer a lifetime care guarantee".

The Maperton Trust
A website for a head lice repelling device stated "The Head Lice Repelling Unit (HELRU) is a small device using the latest technology to repel head lice from infesting children and adults. It is in the form of a badge of the Unicorn and is pinned to the clothing of the individual. It is designed to be completely safe to the wearer. Its effect on head lice is to repel them."

Tony Ferguson UK Ltd
A leaflet, for Tony Ferguson weight loss programme, included three testimonials. The first showed a "before" and "after" photograph of a woman and included the text “Kylie lost 5 1/2 stone". The second stated "I'm less than half the person I used to be ... I weighed 23 1/2 stone. I blitzed my goal weight within the year and am now a size 10 to 12". Text underneath stated "Robyn lost 12 stone in 18 months. The ad showed a "before" picture of Robyn prior to losing weight and an "after" picture...

Optimax Laser Eye Clinics
Three Facebook ads and an online promotion that the complainant saw in July 2010 advertised half-price laser eye surgery. (a) One stated “Enjoy life without glasses Get Half Price Off laser eye surgery with Optimax. Order your Free Info Pack. Click here”. (b) The second ad stated “FREE Info Pack 50% off laser eye surgery. Get half price laser eye surgery with Optimax ... Click here”. (c) The third ad stated “FREE Info Pack Get Half Price Off laser eye surgery with Optimax ... Click...

Citroen UK Ltd
A TV ad, for Citroën, featured a cyclist pulling up behind a Citroën C4 at a set of traffic lights on a busy urban street. Other cyclists joined him until there was a large crowd of cyclists pursuing the C4. At the next junction, the C4 pulled away and lost the cyclists, who appeared disappointed until one of them spotted a different C4 travelling in the opposite direction. The cyclists turned at the junction and followed the other C4. A voice-over stated "The new Citroën C4 eHDi engine...

Coca-Cola Great Britain
A poster for Vitaminwater stated "enhanced hydration for the nation delicious and nutritious".

BetterBathrooms UK Ltd
A TV ad, for BetterBathrooms UK Ltd, claimed to have stores in "Warrington, Wigan and Manchester City Centre".

Allen Kia (UK) Ltd
A press ad, for Kia cars, stated "Allen Kia Birmingham Where new cars cost less ... Kia Rio 1.4 5dr WAS £8,540 NOW £7,840 SAVE £700".

Barclays Bank plc
A TV ad for Barclays Bank, broadcast on 1 February 2011, featured a mechanical machine that produced shoes and had cogs made of giant coins. The voice-over stated “It’s good news that four out of five business lending applications are approved with the support of Barclay’s business managers, to help get things moving again.” On-screen text read “Average acceptance rate between April - Sept. 2010 for all credit applications for businesses up to £5m turnover. Excludes online applications”.

Dr Batras Positive Health Clinic (UK) Ltd
A regional press ad, for Dr Batra’s Positive Health Clinic, was headed “Freedom from ... Psoriasis.” Text stated “Dr Batra’s. World’s largest Homeopathic Healthcare Corporate with a track record in treating Psoriasis now comes to Harley Street. Dr Batra’s is internationally recognised for successfully treating more than 25,000 cases of psoriasis. Chat with our expert doctors between 9am - 4pm”. The ad also featured a logo which stated “Dr Batra’s” and the website address “www.drbartras.com”.

MyCityDeal Ltd
A sales promotion on the website Groupon MyCityDeal was headed "Today's deal: £9 instead of £30 for a 20 Minute Garra Rufa Fish Natural Pedicure for Two People at Wonderfeet". Further text stated "Fine Print - 1 voucher per two people, multiple may be purchased - Voucher valid for 2 months, 7 days per week - No need to book in advance but please take voucher and security codes with you - Please call 07863 XXX XXX for further information - Not valid with other offers".

Optical Express Ltd
A brochure and a TV ad for Optical Express's laser eye surgery. a. The brochure was titled “The vision care specialists” and featured a testimonial from the golfer Padraig Harrington on the inside front cover which stated “I want to be treated by the best and that’s Optical Express”. The brochure contained a variety of claims about Optical Express’s service and the technology they used. The back cover listed a number of comparative claims with ticks and crosses indicating that the listed...

Moneysupermarket.com Ltd
A TV ad, for a travel comparison website, depicted Jedward sitting on sun loungers by a swimming pool. The comedian Omid Djalili approached them and asked how much they had paid for their holiday. One of Jedward said "£300" and the other said "£500". Djalili asked "Where did you find it?" The first said "travelsupermarket" and the second said "travel agent", then "You paid £200 less than me?". Djalili said "For the exact same holiday. You can compare thousands at travelsupermarket.com." The...

easyJet Airline Co Ltd
A national press ad for easyJet was headlined "The new shape of business travel". The ad also included boxed images and text including a £symbol with an arrow pointing downwards, with text underneath stating "We charge you less". The ad included a web link to the easyJet business website.

ITV Consumer Ltd
An online promotion, for ITV2's Secret Diary of a Call Girl competition, stated "For a chance for you and three friends to win the weekend of a lifetime ... answer the question as seen in the show ... Closing date for online entries is 7th April 2011 at 9.30am. Answer A - B - C ...".

En nog enkele uitspraken van 20 april j.l.

Home Shopping Selections Ltd
An e-mail offer for Snuggle Blankets featured the headline text "BUY1 GET1 FREE for just £10 + P&P" followed by a picture of a woman lying on a sofa wearing a floor-length fleece blanket with sleeves. Further text stated "This is an Incredible Offer! ... 2 SNUGGLE BLANKETS for just £10 +P&P ... Value £39.9 ... In this exciting offer, the Snuggle Blanket is now being made available to the public - not for the £19.95 you might expect but for a very special price of only £10...

Express Newspapers
A national press ad, for a skin cream, was headed "THE LITTLE JAR OF MIRACLES ADVANCED FORMULA SKIN THERAPY GEL THE RED CARPET REMEDY FOR SCARRING, SOOTHING AND SMOOTHING". Further text stated "It always seems our delicate skin is under attack and there's no denying that razor burn, bruises and often the unsightly appearance of raised scars ruins the look of your favourite outfits. Thankfully there's now a miracle worker which can help have you back to your normal self in...

7 Professionals Ltd
An online recruitment ad, on the CV Library website, advertised a contract position for an IT Senior Developer. Text stated, "Job Title - Senior Developer - Java, J2EE, Oracle, Linux Red Hat, contract ... A Senior Developer - Java, J2££, Oracle, contract is required for an exceptional Client that works with a number of blue chip companies. The Client specialises in helping their customers manage their technology requirements to meet specific and exact needs for their businesses by providing...

 Minister Shippers (Volksgezondheid, Welzijn en Sport) antwoord, mede namens de minister van Financiën, vragen van PvdA-Kamerlid Van Dekken over (gedwongen) winkelnering rondom de Olympische spelen 2012 in Londen.

Het gaat erom dat tickets op de officiële site www.olympischespelenlonden.nl slechts kunnen worden besteld met een creditcard van VISA. Het is een autonome keuze van de organisatie, in Nederland heeft NOC*NSF ATP Events Experts als Official Ticket & Travel Agent aangewezen en die accepteert ook andere gangbare betaalwijzen, aldus de minister.

3. Deelt u de mening dat het onwenselijk is dat mensen gedwongen worden om een creditcard aan te schaffen als zij de Olympische Spelen willen bezoeken, omdat creditcard betalingen vaak uitmonden in dure leningen?
3. Indien mensen kaarten bestellen via ATP worden zij niet gedwongen om een creditcard aan te schaffen.

4. Is hier sprake van het misbruik maken van een economische machtspositie, gegeven het feit dat de organisatie van de Olympische Spelen een monopolist is? Kunt u uw antwoord toelichten?
4. Via meerdere kanalen kunnen er tickets gekocht worden. Voor de officiële verkoop vanuit Nederland geldt dat er meerdere betalingsmogelijkheden zijn. Met het oog hierop is uitbuiting of uitsluiting van consumenten of concurrenten niet aan de orde. Van een overtreding van het verbod op misbruik van een economische machtspositie is dan ook geen sprake.

5. Welke acties gaat u ondernemen om de toegankelijkheid en beschikbaarheid van de kaarten voor dit evenement op korte termijn te vergroten? Wilt u zich er voor inzetten dat ook andere betaalmodaliteiten mogelijk zijn, zodat sportliefhebbers de keuze hebben hoe zij willen betalen?
5. Geen. Het feit dat VISA sponsor is van de Olympische Spelen en de keuze dat via de officiële site alleen betaald kan worden met VISA is een verantwoordelijkheid van het organiserend comité.

Lees de kamervragen en antwoorden hier .

Ook de Advertising Standards Authorization, de RCC in Groot Britannië, heeft een bundel uitspraken gepubliceerd. Categorieën variëren van kledingretailer, tijdsklok voor duivenmelkers/wedstrijden, israel-advertentie (herkenbaar?), airport parking, zilveren ringen, supermarkten Asda en Tesco (vergelijkende reclame), uitgeverij, omeletmaker, leenmaatschappij (geld lenen kost geld), campagne groep tegen windmolenpark, zonne-energie-opwekkers, cosmetische producten, prada retail.

Zie plaatje hieronder (klik voor vergroting), klik voor de directe site hier:

Prada Retail UK Ltd
A national press ad, in the Times, for Miu Miu featured the model Kasia Struss sitting on a chair in front of a mirror, holding a handbag in her lap, and wearing a low-cut, sleeveless dress which exposed her arms, shoulders and décolletage.

News Group Newspapers Ltd
A national press reader promotion for cosmetic products. The front-page flash stated "FREE EYE MAKE-UP KIT WORTH £24”. Inside the paper, text stated “... To claim your free Fabulous Models Own make-up kit, simply collect TWO out of the three tokens ... then collect your kit from any participating Tesco store* ... Terms and conditions apply". Small print down the side of the page stated “*Includes Tesco supermarkets and Extra stores only. Excludes selected Metro, Express stores and petrol...

Joju Ltd
An ad, in a magazine about sustainable living, was headed "Joju Ltd we design and install solar electricity systems". Further text stated "It has never been a better time to invest in a solar photovoltaic system". A testimonial read "‘If you own a house and can afford the investment, you'd be crazy not to cash in.’ Feed-in tariff sceptic, George Monbiot".

Save Berkeley Vale
A leaflet for the campaign group Save Berkeley Vale, stated "PLANNING APPLICATION ... for Four 120m Wind Turbines at Standle Farm, Stinchcombe ... COMMENTS / OBJECTIONS SHOULD BE MADE NOW ...". The leaflet included a mock up photo, which featured a country landscape with four wind turbines. Text on the photo stated "View from Wick Lane".

Tesco Stores Ltd
A national press ad for Tesco showed a selection of fresh food products; their prices at Tesco and the prices of the same or equivalent products at Asda. Text in a roundel stated "Total Tesco Saving £4.91". Text stated "One place you won't find your fresh food for the weekend? In the Asda Price Guarantee".

Stevenage Homes
A leaflet, for a loan company, was headlined "Don't be tempted by doorstep lenders ...". Text beneath stated "As Christmas is fast approaching you may be starting to think about how you can afford to buy everything you want. Remember the greatest gift you can give your family is the roof over their head. Your rent is your main priority so please think carefully about committing your family to any loans. Beware of doorstep lenders and loan sharks who charge extortionate levels of interest as

sit-up Ltd
A teleshopping ad shown on Price Drop TV, for an omelette maker, showed the product being used to cook various foods, including a pie. At the end of the presentation several pies and a pizza were shown next to the product and a close up showed a cross-section of a pie in detail.

Canonbury Publishing Ltd
A mailing, for a home-working scheme, offered a free CD-ROM and step-by-step manual to the first 200 respondents. The ad included an interview with a previous client who claimed to have "made over £100,000 in an hour online". A screenshot showed a PayPal account for one day and displayed a total income of £3,732.73. Text below the table stated "Not bad huh? That's £3,732.73 - in one day!". The ad repeatedly claimed that customers could make between £200 and £500 per mon

ASDA Stores Ltd
Voice-over in a TV ad for ASDA stated “... we now guarantee that your comparable grocery shopping will be at least 10% cheaper than the other big supermarkets or we’ll give you the difference ... About half of your weekly grocery shop is comparable with the other big supermarkets and all of that is covered by the Asda price guarantee.” On-screen text stated “mySupermarket.co.uk and independent data, exclusions apply. Vs Tesco, Morrisons, Sainsbury’s & Waitrose. Min purchase 8 items...

Airport Parking and Hotels Ltd
Two direct mailings for an airport parking company: a. The first mailing featured an illustration of a computer with a Santa hat on. Text on the screen stated "SAVE 20% ON AIRPORT PARKING". Text on the reverse of the mailing, under the headline "Previous Customers Save up to 20% on Airport Parking", stated "2011 Airport Parking Make the most of your Early Booking Discount; pre-book APH Gatwick, APH Manchester, APH Birmingham or Quality Airport Parking Heathrow 3 months or more in advance an

Coloured Rocks Ltd
A falling price auction for a morganite sterling silver ring included an on-screen graphic, indicating the current stock level, that stated "last 7". The on-screen stock level fell as and when an item was bought and continued to drop until all seven items had been sold. During the auction the presenter talked about the item and referred to the number of items remaining, including “three buyers left”, “final two” and “One chance left”.

Israeli Government Tourist Office
A poster, for travel to Israel, was headlined “Historical Treasures”. Text below stated “THINKISRAEL.COM/GEMS”. Further text stated “Few places pack as many hidden gems into such a small space. From the magical mystery of Jerusalem to the rich cultural experiences of the Dead Sea, the energy and excitement of Tel Aviv to the sun and relaxation of Eilat. The ideal year-round destination”. Smaller text below an image of the Western Wall stated “East Jerusalem. The Western Wall. One of the man

Deister Electronic (UK) Ltd
An ad, for an electronic timing system (ETS) for racing pigeons, in a magazine for pigeon fanciers, was headlined "UNIKON Over 60,000 systems worldwide No.1 Worldwide. No.1 in the UK The most advanced ETS available today". Further text stated "... It is truly the most advanced ETS available today." Further text described details of other UNIKON products. Text in a side panel was headlined "You can't go wrong with UNIKON The champion ETS Simply the Best!" and continued "For unbeatable after...

Damartex UK Ltd
A direct mailing, for a clothing catalogue retailer, stated “Designated finalist in our 5 WINNERS OF 5 X £1000 Pocket the Cheque Prize Draw Strictly confidential!! Confirmation of your status is enclosed! ... 5 names to be selected, as winners will each receive a cheque for the sum of £1,000.00!”. The mailing included a list headed “OFFICIAL EXTRACT LIST OF FINALISTS”; the complainant’s details appeared in the list. Text below stated “REMINDER: The first 5 people drawn as winners in the ‘5 x...

Ook de Advertising Standards Authorization, de RCC in Groot Britannië, heeft een bundel uitspraken gepubliceerd. Categoriën variëren van paardenmiddelen, vliegtickets, internet, begrafenisondernemers (wederom), internet, loodgieter, isolatiemateriaal, houtovens, sokken, snowboots, rijschool, voedingsadvies, verrekijker, blender, kleding, stofzuiger, eieren en een bank.

Carja Mastenbroek, DLA Piper heeft drie hiervan uitgelicht: vitabiotics, pass n go en personal choice, lees verder.

Zie plaatje hieronder (klik voor vergroting), klik voor de directe site hier:

Vitabiotics

Ad was headlined "ADVANCED NUTRIENTS FOR THE BRAIN" and featured a picture of a box of supplements. Text on the box stated "Vitabiotics neurozan plus To help maintain Brain Function & Performance NUTRIENTS FOR THE BRAIN". Below the product shot, text in a blue box stated "Includes B VITAMINS & VIT D3 AS SHOWN IN NEW RESEARCH", and "B-VITAMINS & THE BRAIN Also includes the specific B vitamins reported in ground-breaking research".
The complainant challenged whether the claims in ad, that recent research had shown that B vitamins could help maintain brain function and mental performance was misleading, because they understood that the research referred to did not support that conclusion.

The ASA considered that the study was not suitable to support claims relating to brain function or mental performance. The ASA therefore concluded that the implied claims that recent research had shown that B vitamins could help maintain brain function and performance had not been substantiated and were misleading.

Breached CAP Code (Edition 12) rules 3.1 (Misleading advertising), 3.7 (Substantiation), 15.1 and 15.1.1 (Food, food supplements and associated health and nutrition claims) and 15.7 (Food Supplements and other Vitamins and Minerals). Ad must not appear again in its current form.

Pass n go

A leaflet and directory entry promoted a driving school. A leaflet stated “THE DRIVING SCHOOL WITH THE HIGHEST PASS RATES ... INSTRUCTORS WITH THE HIGHEST PASS RATES ... WE GUARANTEE -THE BEST CUSTOMER SERVICE - THE BEST DRIVING INSTRUCTORS - THE BEST PASS RATES”. A directory entry stated “I’M PASSING WITH PASS’N’GO The Driving School With The Best Pass Rates Guaranteed ...”.

Complainant challenged whether the claims "THE HIGHEST PASS RATES", "best pass rates" and "best driving instructors" could be substantiated, because they believed the company could not know the pass rates of drivers in other companies and because they believed this implied the drivers would be qualified with the top grade.

The ASA considered that HIGHEST PASS RATES" and the "best pass rates" was a comparative, superlative claim which would be understood by consumers to mean that Pass N Go had achieved more driving test passes than its competitors. In the absence of documentary evidence in support of the claims that Pass N Go had HIGHEST PASS RATES" and the "best pass rates, we concluded that the ad was likely to mislead.

And further, because we considered that the claim "Best Pass Rates" was an objective claim which defined the "best driving instructors" as those drivers who had achieved the highest pass rates, and because we had not seen any evidence in support of that claim, we concluded that the ad was likely to mislead.

The ad breached CAP Code (Edition 12) rules 3.1 (Misleading advertising), 3.7 (Substantiation) and 3.38 (Other comparisons). The ad must not appear again in its current form.

personal choice

A regional press ad, for snow boots and ice and snow grippers, stated "We aim to dispatch goods within 7 days, but please allow up to 28 days for delivery".

The complainant, who was told the items they ordered were out of stock, two months after they placed the order and paid, challenged whether the ad was misleading.

In the absence of any evidence that demonstrated that the products advertised were available for purchase at the time the ad appeared or that Personal Choice had made a reasonable estimate of demand, the ASA concluded that the ad was misleading.

The ad breached CAP Code (Edition 12) rules 3.1 (Misleading advertising), 3.27, 3.28 and 3.29 (Availability). The ad must not appear again in its current form.

Overige zaken met introductie

Equine America (UK) Ltd
Two ads, for a horse supplement, in equine magazines: Ad (a) stated "The following equine joint supplements have no objective clinical evidence of improving joint mobility - NAF Five Star Superflex, EquiFlex, PREMIERflex HA, ExtraFlex HA, STRIDE HA, My Joints, Arthri Aid and NEW MARKET JOINT SUPPLEMENT. Cortaflex was successfully subjected to a double blind study of joint mobility at Michigan State University, Medicine Research Department. The rigorous study was led by world renowned...

Co-operative Group Ltd
A press ad for the Fairways Funeral Plan stated “The personal service you deserve. The Fairways Funeral Plan is individually tailored to meet your needs. Everything included in The Fairways Funeral Plan is fully guaranteed no matter how high prices rise and we’ve created flexible payment plans to suit any budget. So even in uncertain times, you can rest assured everything will be taken care of. The Fairways Funeral Plan is only available from carefully selected Funeral Directors which meet...

ExxonMobil UK Ltd
A TV ad for a fuel company showed a man who was identified as the company President of "Upstream Research". He stated "Natural gas is a cleaner burning fossil fuel, yet a lot of natural gas has impurities like CO2 in it. Controlled Freezone is a new technology being developed by Exxonmobil to remove CO2 from the natural gas and safely store it so it won't get into the atmosphere. Exxonmobil is spending more than 100 million dollars to build a plant that will demonstrate this process. I'm very...

Flybe Ltd
A national press ad, for flights, was headlined "Flybe's Massive January Sale". Text in a circle next to a picture of two airline seats stated "10 million seats". The ad listed 70 destinations with their corresponding prices. Text beneath stated "flybe.com Keeping Britain on the move". Small print at the bottom of the ad stated “Fares are one way including taxes and charges, only available online, subject to availability, 21 day advance purchase required. Available for travel on or before...

Fasthosts Internet Ltd
An online sales promotion, for website hosting services, stated "Pay Monthly - 1st MONTH FREE" and "Pay Annually - 2 MONTHS FREE".

BDW Trading Ltd
A leaflet for a housing development produced by BDW Trading Ltd, trading as Barratt Homes Bristol, listed "benefits for all" which included "enhancement of existing wildlife habitat".

Able Group (Services) Ltd
A telephone directory ad for a plumber stated "Local plumber ... 24 hour 1 hour service ...".

BQ plc
A national press ad, for B&Q, was headed "Loft insulation only £1 per roll". Text, next to a picture of a woman laying the insulation, stated "easy to install".

Clearview Stoves Ltd
A magazine ad for Clearview Stoves (wood burning stoves) stated "The leading manufacturer of clean burning wood stoves ... British and clearly the best".

Bvg Airflo Group Ltd
A reader offer, in the Sunday Telegraph, for loose top socks stated "Only £24.99 inc p&p for a pack of assorted pairs, rrp £47.40."

Personal Choice
A regional press ad, for snow boots and ice and snow grippers, stated "We aim to dispatch goods within 7 days, but please allow up to 28 days for delivery".

Pass N Go Ltd
A leaflet and directory entry promoted a driving school. a. A leaflet stated “THE DRIVING SCHOOL WITH THE HIGHEST PASS RATES ... INSTRUCTORS WITH THE HIGHEST PASS RATES ... WE GUARANTEE -THE BEST CUSTOMER SERVICE - THE BEST DRIVING INSTRUCTORS - THE BEST PASS RATES”. b. A directory entry stated “I’M PASSING WITH PASS’N’GO The Driving School With The Best Pass Rates Guaranteed ...

The International Centre for Nutritional Excellence Ltd
A magazine insert leaflet, for the International Centre for Nutritional Excellence, was headed "CALF COLOSTRUM ... DO YOU KNOW WHAT YOU ARE BUYING? WHAT TO LOOK FOR, WHAT ARE THE DANGERS?". A table showed test results from samples of calf colostrum powder from a number of manufacturers. Text underneath the table stated "Three separate batches from each company were tested to ensure a completely fair representation of their product was analysed. Each batch was tested to determine if it was EBL...

Windsor Products
An ad, for binoculars, in the national press, was headlined "High Powered Binoculars with Built-in Camera and Video!" Above the headline, text stated "Video Camera + Digital camera + Zoom Binoculars" with images of those three individual items. An arrow pointed from those images to a picture of the advertised product and contained the text "NOW ALL THREE IN ONE". Text below stated "Don't miss out on great photo opportunities with the new OPTICAM 1025. These amazing binoculars not only have a...

Vitabiotics Ltd
Two posters for vitamin supplements: a. The first ad was headlined "ADVANCED NUTRIENTS FOR THE BRAIN" and featured a picture of a box of supplements. Text on the box stated "Vitabiotics neurozan plus To help maintain Brain Function & Performance NUTRIENTS FOR THE BRAIN". Text in a circle on the right of the box stated “UK’s NO1 MICRO-NUTRIENTS FOR SPECIFIC LIFE STAGES”. Below the product shot, text in a blue box stated "Includes B VITAMINS & VIT D3 AS SHOWN IN NEW RESEARCH"....

Kenwood Ltd
A TV ad, for a hand-held blender, showed various shots of a woman using the product.

Jack Wills Ltd
Four full-page ads for Jack Wills clothing appeared in their 2011 edition of "The Spring Term Handbook". The first ad showed a young woman from the shoulders down who was standing with one leg raised and bent at the knee. She was wearing a shirt and a short skirt that lifted to show her upper thigh, buttocks and the lower section of her knickers. The second ad showed a group of three young women and two young men beginning to undress on a beach. One of the men was removing one of the women's...

Morphy Richards Ltd
A catalogue ad, for a vacuum cleaner, included the text “NO LOSS OF SUCTION!*”. Small print stated “*BS EN 60312:1998”.

Noble Foods Ltd
TV and national press ads promoted eggs. The TV ad (a) showed chickens running around in fields and jumping into sand pits to the music from Chariots of Fire. The voice-over stated “at the Happy Egg company we do things differently. We create the perfect environment for our free range hens to run, jump and play, because happy hens lay happy eggs and happy eggs are wonderfully tasty.” The press ad (b) stated "... imagine for a moment you're a hen ... on a happy egg co. farm You're living in...

National Westminster Bank plc
A TV ad, for National Westminster Bank plc, stated in a voice-over "... it's why we're giving all our online banking customers free security software".

RCC 14 maart 2011, dossiernr: 2011/00014 (Green Card)

Reclamerecht. Bijzondere Milieu Reclamecode. American Express credit card presenteert online "De NIEUWE Green Card", met "Realise the potential" en naast een afbeelding "Haal uit je reis wat je hart je ingeeft" (waarbij hard een groen-blauw gekleurde wereldbol in hartvorm is - klik inzet voor vergroting).

RePay (VISA Greencard): De indruk wordt gewekt dat er een duurzame 'groene' creditcard wordt aangenomen. Link met milieubewustheid wordt gesuggereerd. Al sinds 1969 wordt de groengekleurde betaalkaart, naast andere kleuraanduidingen voor verschillende kredietkaarten, in Nederland gevoerd. In Nederland wordt dmv de aanprijzing "Green Card," de afbeelding van wereld deze kaart opnieuw gepositioneerd. In feite nauwelijk verschil met oude kaart.

Aanduiding "Green" in het palet Red, Silver, Gold en Platinum begrijpelijk en toelaatbaar. Echter door toevoeging "nieuwe", de openingspagina met wereldbol in hartvorm wordt in het algemeen met het milieu geassocieerde duurzaamheid en milieuvriendelijkheid geprezen. Dit volgt ook uit stuk van Spitz Legal (in opvraag): “regarding credit cards the term “Green Card” or “Green Credit Cards” has become common to designate eco-friendly and environmentally conscious credit card sevices.”, waarbij adverteerder kennelijk aansluiting heeft willen zoeken. In werkelijkheid is vernieuwing slechts het loyaliteitsprogramma. 

De combinatie van de uitingen zijn strijdig met art. 2 Milieu Reclame Code (MRC), art. 8.2 aanhef en sub b NRC misleidend en daardoor oneerlijk in de zin van artikel 7 NRC. Commissie doet aanbeveling.

Vanouds is de in 1969 in Nederland geïntroduceerde American Express card  groen van kleur. Op zichzelf genomen is het gebruik van de aanduiding van deze card met 'Green Card', ter onderscheiding van de eveneens door American Express aangeboden Red, Silver, Gold en Platinum Card, toelaatbaar. In de klacht wordt dit ook niet ter discussie gesteld.
 
Uit de toevoeging van het woord “nieuwe” aan de aanduiding Green Card in de banner moet worden afgeleid dat de bekende American Express card een vernieuwing heeft ondergaan. Na doorklikken komt de bezoeker terecht op de donkergroen gekleurde landing page van de website van American Express met de tekst “Haal uit je reis wat je hart je ingeeft”. De letters van het groot afgedrukte woord 'hart' zijn lichtgroen van kleur en de 'a' is weergegeven als een groen met blauw gekleurde wereldbol in hartvorm. Door de tekst, het gebruik van de - ook volgens adverteerder blijkens het hiervoor vermelde stuk van Spitz Legal - in het algemeen met het milieu geassocieerde kleur groen en de vormgeving van de landing page wordt de indruk gewekt dat de in de banner aangekondigde vernieuwing van de bekende Green Card van American Express wordt gevormd door aspecten op het gebied van duurzaamheid en milieuvriendelijkheid. Dit wordt bevestigd door de in het stuk van Spitz Legal vermelde constatering dat “regarding crdit cards the term “Green Card” or “Green Credit Cards” has become common to designate eco-friendly and environmentally conscious credit card sevices.”, waarbij adverteerder kennelijk aansluiting heeft willen zoeken. In werkelijkheid blijkt de vernieuwing van de card betrekking te hebben op een vernieuwing van (de puntentelling bij) het loyaliteitsprogramma van American Express.
 
Gelet op het vorenstaande acht de Commissie  de combinatie van de uiting op de banner met de gewraakte uiting op de landing page op de website van American Express in strijd met artikel 2 van de Milieu Reclame Code (MRC), nu de consument door deze combinatie van uitingen misleid kan worden over milieuaspecten van de aangeboden nieuwe Green Card.
 
Naar het oordeel van de Commissie is om deze reden tevens sprake van strijd met artikel 8.2 aanhef en sub b van de Nederlandse Reclame Code (NRC). Omdat de gemiddelde consument hierdoor ertoe gebracht kan worden een besluit over aanschaf van de Green Card te nemen dat hij anders niet had genomen, is de combinatie van de bestreden uitingen misleidend en daardoor oneerlijk in de zin van artikel 7 NRC.

Lees de uitspraak hier (link) en hier (pdf). 

Regeling: MRC art. 2; NRC (nieuw) art. 7 en 8.2 aanhef en sub b.
Eerder hierover: molblog en marketingtribune

RCC 14 maart 2011, Dossiernr. 2010/00970 (SNS Bank van familie Kaptan - trampoline)

Reclamerecht. In de tv-commercial is een huis te zien dat te koop staat, in de tuin springen twee kinderen gelijktijdig op een trampoline. Dit is een onveilige situatie. Situatie die mogelijk als onveilig wordt beschouwd brengt naar voorzitters oordeel geen strijd met enige bepaling van NRC; niet in behandeling genomen (NIB); bezwaar...

Bezwaar: tips voor veilig gebruik: niet onder 6 jaar laten springen, slechts één springer met veiligheidsnet. Commissie: enthusiasme van het gezin voor het te koop staande huis wordt gesymboliseerd. Hoewel niet valt uit te sluiten dat het springen op een trampoline tot ongelukjes of blessures leidt, is naar het oordeel van de Commissie geen sprake van strijd met enige bepaling van de NRC, zodat als volgt wordt beslist.

Lees de uitspraak hier (link) en hier (pdf) 

RCC 24 december 2010, Dossiernr: 2010/00811 (Hypodomus deurhanger)

Reclamerecht, bijzondere reclamecode, Code verspreiding ongeadresseerd reclamedrukwerk (VOR). Uiting betreft een deurhanger die dienst doet als folder van makelaar- en hypotheekadviseur Hypodomus. Klacht: ondanks NEE/NEE-sticker is deze deurhanger aan deur van klager gehangen. Verweer: de uiting werd aan deurknop gehangen, en niet in of op de brievenbus. Op de onduidelijk geformuleerde klacht heeft adverteerder niet gereageerd. De RCC legt een test aan, ex art. 2.2 Code VOR: de betekenis van de NEE/NEE-sticker neer op dat de bewoner of gebruiker van het perceel geen prijs stelt op reclamedrukwerk. Strijd met art. 3.1 Code VOR en doet een aanbeveling.

Het oordeel van de Commissie

De uiting betreft reclamedrukwerk dat gratis huis-aan-huis wordt verspreid zonder vermelding van adres en woonplaats van de ontvanger en moet daarom worden beschouwd als ongeadresseerd reclamedrukwerk in de zin van artikel 1.1 sub d van de Code Verspreiding Ongeadresseerd Reclamedrukwerk (Code VOR).
 
Niet is weersproken dat klager een NEE/NEE sticker op zijn brievenbus heeft aangebracht als bedoeld in bijlage 1 bij de Code VOR. Blijkens artikel 2.2 Code VOR wordt met een dergelijke sticker aangegeven dat de bewoner of gebruiker van het desbetreffende perceel geen prijs stelt op de ontvangst van ongeadresseerd reclamedrukwerk en huis-aan-huisbladen.
 
Ondanks de aanwezigheid van een NEE/NEE sticker is de van Hypodomus afkom­stige deurhanger aan klagers voordeur gehangen. Naar het oordeel van de Com­mis­sie heeft Hypodomus hierdoor gehandeld in strijd met artikel 3.1 Code VOR, waarin is bepaald – voor zover hier van belang – dat een afzender van ongeadres­seerd reclamedrukwerk alle maatregelen en voorzieningen moet treffen die nood­zakelijk zijn om de respectering van de NEE/NEE sticker te bereiken. Het verweer dat de deurhanger niet in de brievenbus is gedaan en daarom buiten het bereik van de NEE/NEE sticker valt, houdt geen stand. Onder ontvangst van ongeadresseerd reclamedrukwerk, waarop klager blijkens de sticker geen prijs stelt, dient ook te worden begrepen het hangen van een folder aan de deurknop van een voordeur.
 
De Commissie acht voldoende aannemelijk geworden dat klager zich voorafgaand aan het indienen van de onderhavige klacht schriftelijk bij Hypodomus als afzender heeft beklaagd over het in strijd met de NEE/NEE sticker ontvangen van de deur­hanger, en de afhandeling van zijn klacht door de afzender onbevredigend heeft geacht, zodat is voldaan aan de bepalingen in de artikelen 5 en 6 Code VOR.

Lees de uitspraak hier(link) of hier(pdf).
Zie o.a. hier bij de Consumentenbond hoe Hypodomus wordt gedacht.

Regeling: Code VOR: art. 1.1, 2.2, 3.1, 5 en 6.