The document is a letter from Antonia Ficova to BNP Paribas insurance company regarding three loans she took out from mBank. She informs them that the loans were insured by BNP Paribas and that she has since lost her job and income. She asks BNP Paribas to investigate her financial situation and verify with her local authorities that she has no means to repay the loans. She is unhappy that mBank continued withdrawal payments from her account despite her changed circumstances. She requests BNP Paribas to look into the matter and provide a written response.

1. 13. 3. 2016 Zoho Mail­ Print
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From : ANTONIA FICOVA ING. <antoniaficova@zoho.com>
To :
<pressoffice.paris@bnpparibas.com>,<customercare@geojit.com>,
<customer.care@bnpparibasmf.in>,<egypt.customercare@bnpparibas.com>
Bcc :
"przemyslaw.klobut"<przemyslaw.klobut@mbank.pl>,<dg­bic@douane.finances.gouv.fr>,
<France.Enquiries@fco.gov.uk>
Subject : CUSTOMER CARE AND CUSTOMER SATISFACTION ­ LOANS ­ INSURANCE
Date : Sun, 13 Mar 2016 22:26:30 +0100
Ing. Antónia FICOVÁ, Hažín nad Cirochou č. d. 181, district of Humenne, 067 83
Slovak Republic, Europe,
antoniaficova@zoho.com, ficova.antonia@gmail.com, +421 918 216 381
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BNP Paribas, Cardif
BNP Paribas Head office,
Department customer care and customer satisfaction,
16 Blvd. des Italiens, Paris, 75009. France
Hažín nad Cirochou 181,
to date March 13, 2016
Subject:
Investigation of three loans, their insurance and repayment
First of all, dear insurance company, I would like to inform you for your interest about
following three loans. The reason why I have decided to contact you directly is: quality of
services of your branch in Slovak Republic with address ­ Cardif Slovakia a.s., Plynárenská
7/C, 821 09 Bratislava due to fact that this insurance company provides insurance for
customer of bank, mBank, with headquarter in Poland, Warsaw.

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Secondly, straight to the point: I took 3 loans, first personally in office in shopping
center in Eurovea at financial center at mBank in Bratislava, others through online services of
mBank. Moreover, to date Sept 3, 2015 with amount of 3.000,­ Eur, to date Sept 10, 2015 with
amount 5.000,­ Eur and to date Sept 30, 2015 with amount 3.950,­ Eur, on the other hand
more details about this loans you may find as attachments, that incudes contracts, insurance
contract, etc.
Thirdly, at this point I would like to inform you that all three loans are fully covered by
insurance that are provided by your company, BNP Paribas, Cardif. What does it mean? Is
necessary to mention my social and financial status. More to the point, try at least to make
confirmation about my financial situation (you may reach ministry of labor, social affairs in
Humenne, social institution in Humenne "socialna poistovna" for more information. This
process should includes following steps from your side: acceptation, confirmation and
respect.
Fourthly, ergo, I provide summary: I am unemployed to date Dec 14, 2015, with
benefit, total amount 123.20,­ Eur paid by Ministry of labour in Slovak Republic to date
February 2016, for 2 months. So, you may imagine how much I have got in my pocket, due to
fact that I had and still I have no other income.
Status: I have been Phd Student at Pan European University, Faculty of Economics and
Business, Tematinska 10. Bratislava, daily form, 2 years are done, and my study is canceled to
date October 31, 2015, since this date I had no other income. The question is: Why
information system of mBank still took form my bank account financial assets, sent me 2
letters about repayments? They did not verify my situation and status and health?! Did they
use right method´s for confirmation, in other words phone calls, fax or personally
appoitments? Well, If I paid insurance and I am long term client, more than 6 years at
mBank, do I deserve nice treatment and communication? Could you please provide answer
after your investigation by post, straight to my hand? I would like to appreciate quality
services and products, is 21. century and knowledge of technology should by at high level, do
you agree?
However, could you please verify who spent 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 nič nedarujem, ani v prospech štátu." You know what, I am glad that stil exist those
people, hungry for papers, that do not know anything.
Btw. Happy Easter and enjoy quality of employees in Slovak Republic.
Thank you so much for reading this and providing appropriate answer to right person,
Have a sunny day, 24/7 your hot mLinka,
Antónia FICOVÁ
Attachments:

3. 13. 3. 2016 Zoho Mail­ Print
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Contracts of loans, confirmation from ministry of labour in Humenne, contract of insurance,
confirmation of status of student at uni, email communications about loans, other necessary
documents.
P.S. This letter will be sent to you by post with 1. class.
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Regards
ANTONIA FICOVA ING.
AF
Public Profile:
http://antoniaficova.com/
https://sk.linkedin.com/in/antoniaficova
Tel. contact: +421 918 216 381
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