At this point we make a legal action against who sold the card. They made misleading advertising, and we are all EU citizens, with with consumer rights.

For Italian people:

https://e-justice.europa.eu/dynForms.do?1417415891110

For all people: remember must to have proofs (registered letters, email, and others)

For my personal experience embassy not interested in these problems. we talking about the policy of an entire bank and not a simple problem of financial matter.

However groped have not costs....

The problem is Podex...they do misleading advertising, they cant impose the policy to Mbank.

Mbank wrote clearly have not interest sell this particular Visa out of Poland.

But Podex buy cards for 3 € and sell for 30 € (around) then is not interested citizens problems, interested just gain and of your problems they "wash their hands"

The real complaint should be made against podex, because they promises in advertising things that can not keep

Spero possa esservi di aiuto, dopo aver fatto un casino della miseria ed aver scritto a mezzo mondo, compreso l'organo di controllo delle banche EU (EBA) mi hanno risposto dalla Mbank dicendomi in sintesi che i cazzari sono i signori della podex che vendono le carte in quanto a loro di vendere quella carta specifica fuori dalla Polonia non gliene frega un kaiser

cosa scrive Mbank

---------------------------------------------------------------------------------------

Dear Sir,

thank you for your mail.

In reference to your message I inform that Bearer prepaid cards issued as an
electronic money instrument are offered by mBank S.A. in the Polish market only.
mBank S.A. has never offered nor intended to offer such cards outside Poland.
Also mBank did not gave any permission to sell those cards abroad.
Notwithstanding this, mBank is doing its best to develop a process dedicated to
Cardholders staying abroad in order to handle complaints filed by users from outside
Poland.

Z poważaniem
Adam Gruszczyński
Biuro Obsługi Klientów

www.mBank.pl

------------------------------------------------------------------------------------------

A questo punto i danni (se è vero quello che è dice Mbank) deve risarcirli Podex per le promesse false che fa sul suo sito.
Si chiama pubblicità ingannevole e la Polonia è in UE.

Il fatto è questo: ammesso che si proceda legalmente il processo dove lo faranno? Andate in Polonia? :-)

Mbank non si fotte nessun credito, semplicemente dice "vieni in Polonia e ti sblocco la carta"


Se siete tanti ad avere questo problema propongo di fare una azione di massa.
Io sono stato fortunato in quanto viaggio parecchio ed i soldi anche se la carta è bloccata non so per quale recondita ragione ma si possono usare per pagare i pedaggi autostradali, quindi in qualche mese consumerò il denaro presente sulla mia merdosa carta, ma mi rendo conto delle problematiche e delle sofferenze che incontrano gli altri utilizzatori...

Questo lo scrive Podex dopo che ho girato ad essi la email di Mbank, la stessa che ho postato qui sopra



------------------------------------------------------------------------------------------

Hello Cxxxxxx,
Unfortunately I am not the card holder and pretending I was would be breaking the
law, therefore I could not do it.
We’ve contacted mBank again and since that brought no solutions and since we find
their actions unacceptable we’ve decided to file an official complaint with
government institutions in Poland.
We recommend you doing the same:

http://www.uokik.gov.pl/home.php
http://www.knf.gov.pl/en/index.html


Best regards,
Joanna
Podex office staff

www.podex.info | www.second-card.com

------------------------------------------------------------------------------------------


Traete le vostre conclusioni :-)

Secondo la mia personale ed umilissima opinione, Podex Exchange non può ordinare a Mbank come e dove emettere le carte e che policy adottare riguardo ad esse.
E siccome Mbank non ruba il denaro, ma semplicemente dice "dimostrami la tua identità e ti sblocco la carta" non sta commettendo nulla di illegale.

Forse si potrebbe fare casino sul fatto che debbano sbloccare la carta anche semplicemente dietro la presentazione da parte di un avvocato/notaio/pubblico ufficiale di una documentazione legale la quale certifichi l'identità del proprietario della carta.

Richiesta che al sottoscritto è stata respinta...

Ciao scusa l'intrusione, confermi il funzionamento della carta emessa da http://www.bzwbk.pl ?

di quella di Mbank ormai il web è saturo di lamentele, i blocchi ormai sono innumerevoli così come il numero di persone che si lamentano
Penso che la tua esperienza sarò di aiuto a moltissime persone!

Dear,
useless write again.

Simple, if you want your card unlocked, need just go to Poland.

I wrote already to EBA, control authorities for EU bank, VISA and others, just for that they answered me, instead many users have not received answer.

I think for unlock card without go to Poland need your solicitors write to Mbank, Visa and EBA and also Poland government, at the same time make noise in the web.

After, MAYBE, they can unlock your card...
I think best solution (more than not buy this crap card) is found a serious Poland interpreter and pay him/she for help you.

Readers maybe are also interested what Podex answered me :-)


---------------------------------------------------------------------------------------------------
Hello Cxxxxx,
Unfortunately I am not the card holder and pretending I was would be breaking the
law, therefore I could not do it.
We’ve contacted mBank again and since that brought no solutions and since we find
their actions unacceptable we’ve decided to file an official complaint with
government institutions in Poland.
We recommend you doing the same:

http://www.uokik.gov.pl/home.php
http://www.knf.gov.pl/en/index.html


Best regards,
Joanna
Podex office staff

www.podex.info | www.second-card.com

-------------------------------------------------------------------------------------------------


To be sincere, personally I think this is just "smoke" in my eyes, are useless words.

If you want to do something useful, please report Mbank and also Podex in the web for do greater number of people know both are shit service.

Also, Podex wrote in website "card work in EU and for ATM", I think we can report Podex because are liars and create great damage of many people.

In fact, Mbank told me this paper is not meant to be used out poland, ASAP i write a post with a clear summary

If we want, all togheter, use a solicitors for write to Visa, Poland government and Mbank Im ready

If you want take part we can organize a  complaint group and do write by a lawyer

But before you start you should know that this has a cost, time consuming and does not guarantee results 100% safe

Please make sure that as many people are made aware of these two services, Mbank and Podex are two service of shit

I wrote to all email address above, answered me only  kontakt@mbank.pl

what I wrote:

Dear Adam Gruszczyński of Mbank,
sorry but Im tired to be cheated

How you can think people start out from any parts of the world for go in
Mbank branch in Poland

Now are many week I complained, and after many days and many email,
finally I have this useless answer


I put in "Cc" for knowledge the lords of Podex, they selling your cards

And also "EBA" European Banking Authority", because this is not just my
problem, in the web easy check how many many people have my same problem

This is a possible trick for to gain on the interest of the blocked money?


Your bank created me great problems, please stop sell cards because is not
possible people start out from any parts of the world for go in Mbank
branch in Poland


If are all that problems, Mbank must not allow the "Mbank Visa card" can
be sold so easy on the http://www.second-card.com/ website, with the
reassurance that everything will be fine.


I have not time for go in Poland branch, please agree to accept my ID, I
can give you a document certified by the Italian authorities

Also, I asked many times the address of your registered office because I
want send you a registered letter, do you have problem give me this
address?

Id like to make official this complaint


Best regards"



what they answered

Dear Sir,

thank you for your message.

Firstly I would like to apologize for the inconvenience and disappointment that you
experienced in dealing with mBank recently.

In connection with the reasons for blocking the card, the process of unblocking the
card requires filling in and signing a complaint form containing the Cardholder's
personal data. To do this, you need to visit an mBank branch.

Bearer prepaid cards issued as an electronic money instrument are offered by mBank
S.A. in the Polish market only. mBank S.A. has never offered nor intended to offer
such cards outside Poland.

Notwithstanding this, mBank is doing its best to develop a process dedicated to
Cardholders staying abroad in order to handle complaints filed by users from outside
Poland.

That is why I cannot ask you to send any documents like ID to unblock your prepaid
card.

For that moment it possible to unblock your card only during the visit in mBank office.

The address for letter correspondence is:

mBank SA
ul. Senatorska 18
00-950 Warszawa
With specific note  "DTB" (Departament Bankowości Transakcyjnej).

I hope that provided information will be useful for you.

Best Regards,


Z poważaniem
Anna Frydrychowicz
Biuro Obsługi Klientów


sumarize

I have 600 € on the card and use it just for pay toll gates 

AVOID absolutly buying this card if you live outside Poland