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A journalist before criminal court for his comment on twitter against a judge

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Moroccan journalist and activist Omar Randy will stand trial in Morocco in March on charges of insulting a judge via Twitter, according to the Observatory for Human Rights. Randy, a 33-year-old award-winning journalist who has been involved in corruption reporting in Morocco and has worked with various international media outlets, was due to be sentenced on January 2, 2020, but the case was postponed. According to CNN, Randy faces up to one year in prison if he is eventually convicted of a tweet he made nine months ago against a judge. Several people rallied in support of Randy outside the country's parliament in the capital Rabat demanding his acquittal and speaking about revenge against a reporter for investigative journalism. Last April, Randy posted a critical comment about a judge who upheld the verdict against a protest movement. The leaders of the protest movement were sentenced in June 2018 to 20 years in prison, the Human Rights Watch said. "Let us all

Emily O’Reilly re-elected as European Ombudsman

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Emily O'Reilly has been re-elected  as European Ombudsman, by Parliament with 320 votes in favour out of 600 votes cast. Her second mandate will last for five years. " I am delighted to have been re-elected for a second term. I wish to sincerely thank my fantastic campaign team for the huge effort over the past four months, I wish to thank my colleagues in the Office for all their hard work over the past five years, and today most of all, I wish to thank the Members of the European Parliament,” said Ms O’Reilly. "For the next five years, I will help ensure the EU maintains the highest standards in administration, transparency and ethics. Europeans expect and deserve nothing less. One priority will remain tackling the lack of the transparency of EU law making by national governments in Brussels. We need to stop the ‘blame Brussels’ culture, when often it is citizens’ own national Ministers taking the key decisions in the EU. I will also be holding President Von

Justibus: The new free and traveling legal assistance project

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An innovative proposal for those who are not easy to go to the law firm for legal services presented the Justibus program. The new free and traveling legal assistance project was set up in Belgium by the French Order of the Brussels Bar. The JUSTIBUS project is an initiative of the Legal Aid Commission of the French Bar Association of Brussels, with the support of the Minister of Justice Houses in charge of front-line legal aid of the Government of the Wallonia-Brussels Federation- under the leadership of Vinciane Gillet, member of the CCBE Quality sub-group.  Since 14 October 2019, the JUSTIBUS has been travelling in the 19 municipalities of Brussels, according to an established schedule, to provide free legal aid to people in precarious situations. Several volunteer lawyers run mobile hotlines and receive people to provide them with legal information that could potentially help their situation. However, volunteer lawyers and trainee lawyers do not perform legal acts. If nece

Airbnb is not required to hold an estate agent’s professional licence as it did not notify the Commission of that requirement in accordance with the Directive on electronic commerce

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ECJ: Airbnb case- France cannot require Airbnb to hold an estate agent’s professional licence as it did not notify the Commission of that requirement in accordance with the Directive on electronic commerce. By its judgment of 19 December 2019, Airbnb Ireland (C-390/18), the Grand Chamber of the European Court of Justice held, first, that an intermediation service which, by means of an electronic platform, is intended to connect, for remuneration, potential guests with professional or non-professional hosts offering short-term accommodation services, while also providing a certain number of services ancillary to that intermediation service, must be classified as an ‘information society service’ under Directive 2000/31 on electronic commerce. [1] Secondly, the Court found that, in criminal proceedings with an ancillary civil action, an individual may oppose the application to him or her of measures of a Member State restricting the freedom to provide such a service which that indiv

Unfair and illegal terms of loan agreements used by banks

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Article by George Kazoleas,  Lawyer LL.M. (Banking & Capitalmarkets Law) It is well known that loan agreements contain terms and conditions that disturb the balance between the parties to the detriment of the borrower and are therefore legally and judicially  diagnosed as contrary to law. Despite this, most banks insist on including them in their new contracts, refusing to comply with court rulings even by the European Court of Justice. Especially, foreign currency loan agreements (such as the Swiss franc) contain many unfair and opaque terms. Particularly: The Bank had to inform the potential borrower of the foreign exchange risk and explain in detail the relevant clauses before concluding the loan. It is very common, that the loan agreement does not mention anything about this risk, nor does it appear that the borrower has been effectively and properly informed by a competent bank official. According to Cypriot and European legislation and case law, the loan agreemen

The Fifth Anti-Money Laundering Directive and the new Regulation on Virtual Currencies

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By Soulla Dionysiou, Lawyer, Founding Partner at Dionysiou & Partners LLC Τhe Fifth Anti-Money Laundering Directive (5AMLD) which was adopted by the European Parliament on 19 April 2019 will need to be transposed into National Law by all Member States by 10 January 2020, i.e. 18 months after its adoption. Although some Member States have already done so, the rest will need to follow suit as the deadline is fast approaching. The directive incorporates for the first time a regulation on virtual currencies (cryptocurrencies) and introduces their definition, according to which: “virtual currencies” means a digital representation of value that is not issued or guaranteed by a central bank or a public authority, is not necessarily attached to a legally established currency and does not possess a legal status of currency or money, but is accepted by natural or legal persons as a means of exchange and which can be transferred, stored and traded electronically (Article 2 d (18)).

Early repayment of the loan: Borrower's right to reduction in the total cost of the credit and bank's compensation right

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By George Kazoleas, Lawyer LL.M. The right of early repayment of the loan by the borrower is enshrined in both European law and national legal systems. There are essentially two main effects of this right’s exercise: On the one hand, the consumer/ borrower is entitled to a reduction in the total cost of the credit consisting of interest and charges for the remaining period of the contract. On the other hand, the bank shall be entitled to reasonable and objectively justified compensation for any costs directly linked to early repayment of the credit, provided that the early repayment is made within the period for which the borrowing rate is fixed. (Article 16 (1) of Directive 2008/48). Bank’s compensation The relative clauses used by most banks regarding the issue of early repayment of the loan are vaguely worded and non-transparent and have therefore been repeatedly declared illegal, unfair and abusive. It is commonly stated that compensation includes any costs, expenses, losse

Editorial

Editorial
George Kazoleas, Lawyer