- The customer has three outstanding loans with mBank totaling over 11,000 Euros that are past due. They have not made repayments on the loans. - The customer is requesting mBank investigate their financial and employment situation in Slovakia to understand why they have not repaid the loans. - The customer wants to meet in person with mBank representatives to discuss the loans and explain their situation, rather than continuing communication through email.

1. 23. 5. 2017 Zoho Mail­ Print
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From : mBank ­ Kontakt <kontakt@mbank.pl>
To : "antoniaficova@zoho.com"<antoniaficova@zoho.com>
Subject : Odp.: 3 LOANS ARE NOT REPAYED­ HIGH IMPORTANT ­ CUSTOMER SATISFACTION
Date : Mon, 15 Feb 2016 01:25:07 +0100
Attachments :
My_3loans_for_Who.pdf, RPZ_mPozicka.pdf, VPP_CPI_CL.pdf, Mail_Post_to date Feb 9, 2016
001.jpg, My_3loans_for_Who.pdf, VPP_CPI_CL.pdf, RPZ_mPozicka.pdf,
Prva_Upomienka_from_mBank, BA 001.jpg
If you have more questions please contact mBank in the most comfortable way:
https://www.mbank.pl/kontakt/oferta­indywidualna/
Yours faithfully
Przemysław Kulasek
Customer Service Department
http://www.mbank.pl/en
This e­mail may contain legally privileged information of the Bank and is intended solely for business
use of the addressee. This e­mail may only be received by the addressee and may not be disclosed to
any third parties. If you are not the intended addressee of this e­mail or the employee authorized to
forward it to the addressee, be advised that any dissemination, copying, distribution or any other similar
activity is legally prohibited and may be punishable. If you received this e­mail by mistake please
advise the sender immediately by using the reply facility in your e­mail software and delete
permanently this e­mail including any copies of it either printed or saved to hard drive.
­­­­­Oryginalna wiadomość­­­­­
Od: ANTONIA FICOVA ING. [mailto:antoniaficova@zoho.com]
Wysłano: 12 lutego 2016 23:08:15
Do: Kłobut, Przemysław (mBank/OZ_DWZ),Kłobut, Przemysław
(mBank/OZ_DWZ),robert.christof@mbank.sk,karin.boleslavska@mbank.sk,Opavova, Zdenka
(mBank/OZ_DZZ),zdenka.opavova@mbank.sk
DW: mBank ­ Kontakt,peter.kazimir,bankenverband,Internet Info Account
Temat: 3 LOANS ARE NOT REPAYED­ HIGH IMPORTANT ­ CUSTOMER SATISFACTION
Dear representatives of branch ­ mBank, in Slovak Republic, Pribinova 10, Bratislava,
I am not gonna ask you how are you, I am all right.
Feel free to forward this to department that deals with those needs (does not matter where) or print
and put on the wall.
­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­
First of all, I took 3 loans, first personally in office in shopping center in Eurovea, Bratislava,
others through your online services.

2. 23. 5. 2017 Zoho Mail­ Print
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Secondly, try, at least to cooperate and provide right informations to right persons about
following loans, especially about contract, numbers, insurance (that provides BNP Cardif, Paribas
Group) of contracts in terms of unemployment, total amount of repayments, period of repayment,
etc.
Summary: To date Feb 12, 2016 I have to repay following amounts ­ 2.875.76 Eur, 4.874,47
Eur, 3.884,17Eur. In others words, to date Feb 9, 2016 has been sent from mBank "prva upomienka
o nesplateni". What does it mean?
At this point, I would like to ask you following questions:
Do you know to program your information systems?
Why do you provide your services, cards, loans, "vymahanie pohladavok" across a few
countries? And without communication?
How many my email did you delete?
Who deliver complete report about my activity in terms of history?
Who deliver my second visa card through post?
How many times I contacted YOU, through your mLinka, email? In czech repuplic? Yes, In
poland? Yes, In deutschland? Yes, In slovak republic? No available responsible persons
with appropriate answers.
Thirdly, kindly get up from your chair, and try to make at least investigation about my social
and financial situation in slovac republic due to your unskilled employees. More to the point, save
your letters for somebody else, I require conversation face to face, improving faces I do prefer, than
communication through email with right attachments, than fax, etc. I am pretty sure that you already
know all these methods, right?! Btw, I am ready to meet you, and to explain you straight to your
face, you should be so excited, right?!
Fourthly, kindly verify who spet those amount due to fact that I did not spend, in other words I
served to others a lot, and I am not gonna give smth for free and "nikomu nic nedarujem"!!! You
know what, I am glad that stil exist those people, hungry for papers, that do not know anything.
So, after your reading, kindly do NOT to disturb me through cell phone, you may send just
final paper that somebody, called sponsor, paid all these loans and I do not have any liabilities in
MBank, due to fact that I rather use services other providers than you.
Have a sunny day, 24/7 your hot mLinka,
ANTONIA ­ ING.
­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­
Regards
ANTONIA FICOVA ING.
AF

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Public Profile:
http://antoniaficova.com/
https://sk.linkedin.com/in/antoniaficova
Tel. contact: +421 918 216 381
Think Environmentally Before Printing This Email!
Tel: +421 918 216 381
­­
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włączając w to wszelkie jej kopie wydrukowane lub zapisane na dysku.
This e­mail may contain legally privileged information of the Bank and is intended solely for business use of the addressee. This
e­mail may only be received by the addressee and may not be disclosed to any third parties. If you are not the intended
addressee of this e­mail or the employee authorized to forward it to the addressee, be advised that any dissemination, copying,
distribution or any other similar activity is legally prohibited and may be punishable. If you received this e­mail by mistake please
advise the sender immediately by using the reply facility in your e­mail software and delete permanently this e­mail including any
copies of it either printed or saved to hard drive.
mBank S.A. z siedzibą w Warszawie, ul. Senatorska 18, 00­950 Warszawa, http://www.mbank.pl/, e­mail: kontakt@mBank.pl
Sąd Rejonowy dla m. st. Warszawy XII Wydział Gospodarczy Krajowego Rejestru Sądowego, nr rejestru przedsiębiorców KRS
0000025237, NIP: 526­021­50­88. Według stanu na dzień 01.01.2016 r. kapitał zakładowy mBanku S.A. (w całości wpłacony)
wynosi 168.955.696 złotych.