commiss decis march relat proceed pursuant articl eec treati iv eurochequ helsinki agreement french text authent eec commiss european commun regard treati establish european econom commun regard council regul februari regul implement articl treati amend act access spain portug articl thereof regard notif submit juli pursuant articl regul groupement de cart bancair cb agreement conclud helsinki eurochequ assembl french financi institut condit govern accept foreign eurochequ trade sector franc regard commiss decis juli initi proceed case undertak concern opportun heard matter commiss object accord articl regul commiss regul eec juli hear provid articl council regul consult advisori committe restrict practic domin posit fact decis concern agreement entitl accord entr le institut financièr français assemblé eurochequ sur accept par le commerç en franc de eurochèqu tiré sur de institut financièr étrangèr selon le princip arrêté lor de la réunion de assemblé eurochequ tenu helsinki le mai agreement french financi institut eurochequ assembl accept trader franc eurochequ drawn foreign financi institut accord principl adopt meet eurochequ assembl held helsinki agreement includ chapter eurochequ manual forc half year decemb date entri forc date groupement de cart bancair cb repres french financi institut eurochequ system member circular inform eurochequ gener assembl meet termin agreement parti groupement de cart bancair cb protocol sign juli largest french financi institut lai principl interoper card network franc cart bleue crédit agricol crédit mutuel network principl interoper practic shape set decemb groupement intérêt économiqu econom interest group groupement de cart bancair cb hereinaft refer groupement french trader member card payment system groupement accept cb card decemb million cb cardhold million card nation million intern million visa card million eurocard year helsinki agreement sign number trader accept cart bleue groupement includ major french bank financi institut end regist bank establish includ associ français de banqu crédit agricol region bank banqu populair region bank caiss épargn écureuil local establish post offic postal chequ crédit mutuel region feder financi institut set groupement act french nation eurochequ commun place associ français de banqu afb groupement point notif juli set groupement agreement conclud eurochequ proper implement agreement member trader affili cb network eurochequ intern sc eurochequ organ set privat initi european fianncial institut aim meet intern payment system result growth tourism busi travel europ make mean payment consum countri origin countri eurochequ system open european credit institut base instrument eurochequ eurochequ card drawe bank guarante paye bank reimburs eurochequ present card predetermin maximum amount eurochequ intern origin de facto associ legal person februari eurochequ intern adopt form cooper societi unlimit durat belgian law regist offic brussel capit bfr consist share bfr subscrib associ swedish bank associazion bancaria italiana groupement de cart bancair cb franc comunidad portuguesa eurochequ bank cypru caiss épargn de état du grand duché de luxembourg agrupació andorrana eurochequ pb pengeinstituttern betalingssystem denmark apac unit kingdom telekur switzerland suomen pankkiyhdisti finland associ norwegian bank sticht bevord chequeverk netherland irish clear hous jugobanka unit bank yugoslavia associ austrian bank banker eurochequ belgiqu sc gz gesellschaft fuer zahlungssystem gmbh germani relev market relev market eurochequ drawn abroad specif eurochequ made french franc french trader belong card payment system groupement holder eurochequ card issu bank establish franc secondarili intern mean payment french trader potenti drawer foreign eurochequ franc bank countri includ member state greec itali issu uniform eurochequ bank agenc countri europ countri mediterranean rim accept million card issu million uniform card million uniform card million trader countri accept eurochequ million eurochequ made abroad local currenc involv total amount ecu billion averag ecu eurochequ drawn million uniform eurochequ card issu million issu member state european commun belgium denmark germani greec spain franc ireland itali luxembourg netherland portug unit kingdom european commun main issu countri austria card switzerland card eurochequ cardhold account bank situat franc potenti drawer eurochequ franc bank trade sector trade sector account decis million foreign holder eurochequ card potenti drawer eurochequ franc million nation member state purpos comparison number french holder eurochequ card number holder cb card period year eurochequ card cb bank card total number card issu groupement cart bleue crédit mutuel crédit agricol eurochequ card number holder main intern payment card credit debit card european commun end card belgium denmark germani spain franc ireland netherland unit kingdom eurocard access visa american express diner club total figur show competit payment eurochequ payment credit debit card limit practic reason situat differ member state user eurochequ credit debit card vice versa person member state spend time franc evid great major german eurochequ million holder eurochequ million holder credit debit card lesser degre larg measur appli dutch million holder eurochequ million holder credit debit card belgian million million contrast british hold credit debit card greater number million eurochequ million spanish million lesser extent irish million foreign eurochequ drawn franc tabl set franc lead countri accept eurochequ total foreign eurochequ drawn franc equival eurochequ drawn abroad year eurochequ drawn franc made nation member state german total number eurochequ drawn franc belgian dutch british number intern uniform eurochequ drawn european commun drawn drawn total belgium denmark germani greec spain franc ireland itali luxembourg netherland portug unit kingdom belgium denmark germani greec spain franc ireland itali luxembourg netherland portug unit kingdom total classif ten lead countri eec eec term number foreign eurochequ accept drawn total number foreign eurochequ drawn rank accept countri draw countri countri number eurochequ cumul countri number eurochequ cumul franc germani spain netherland austria unit kingdom germani belgium itali switzerland switzerland austria netherland denmark greec luxembourg unit kingdom franc belgium ireland groupement state million foreign eurochequ drawn franc million made trader percentag eurochequ drawn trade sector relat total number eurochequ broadli similar countri helsinki agreement helsinki agreement run total counter packag deal agreement govern eurochequ abroad eurochequ system packag deal agreement packag deal agreement conclud octob eurochequ commun put effect notifi commiss juli nation bank group make eurochequ commun grant exempt commiss decis eec exempt end april date initi agreement expir pend complet recast agreement envisag time eurochequ provision comfort letter eurochequ intern juli valid decemb packag deal agreement conclud eurochequ assembl held june notifi commiss decemb full titl agreement commiss date central clear uniform eurochequ made local currenc open bank sector appli januari indefinit period conclus agreement place year agreement conclud period agreement continu appli agreement differ essenti cover commiss decis eec contrari envisag time system substanti recast signific made compar agreement exempt maximum amount interbank commiss rais minimum introduc interbank commiss main provis packag deal agreement outlin commiss decis eec eurochequ system base base basic principl paye uniform eurochequ drawn abroad local currenc trader drawer wish withdraw cash bank receiv full amount eurochequ relationship drawer eurochequ bank free pass pass part commiss paid foreign bank clear hous possibl charg commiss account agreement maximum guarante amount remain approxim equival local currenc sfr equival ecu franc ff addit dealt eurochequ intern clear system eurochequ exce amount approxim equival local currenc sfr ecu franc amount ff maximum amount interbank commiss paid foreign bank paye eurochequ drawe bank set agreement exempt extraordinari meet held april eurochequ assembl decid increas maximum june decemb increas temporari extend agreement conclud june effect januari agreement introduc minimum amount interbank commiss approxim equival sfr ecu eurochequ appli eurochequ drawn franc amount ff helsinki agreement proceed lead decis eec commiss septemb afb act nation eurochequ commun franc request inform complaint relat condit govern collect franc eurochequ drawn foreign bank afb repli letter date octob french bank acced packag deal agreement cash withdraw foreign bank counter franc agre provis accept foreign eurochequ trade sector franc pai foreign eurochequ french individu collect french bank repli afb varianc notif juli eurochequ intern behalf member eurochequ assembl afb belong packag deal agreement cover open bank sector notif state nation eurochequ commun partial acced packag deal agreement afb state french bank member groupement cart bleue agre experiment basi open trader network foreign eurochequ term custom cart bleue visa card holder agreement cover trader franc fall packag deal recit decis eec commiss made refer situat present experiment basi respons complaint receiv decis eec commiss request inform french credit institut repli greater detail afb treatment payment eurochequ payment guarante card deriv decis helsinki eurochequ assembl request inform april commiss request eurochequ intern send text agreement eurochequ repli initi june accord law forc eurochequ system assembl highest level bodi commun decis record minut principl intern agreement french financi institut eurochequ assembl adopt assembl meet held helsinki set formal document sign parti concern subsequ supplementari repli august eurochequ intern final text agreement press commiss agreement entitl agreement french financi institut eurochequ assembl accept trader franc eurochequ drawn foreign financi institut accord principl adopt meet eurochequ assembl held helsinki agreement includ chapter eurochequ manual french bank financi institut agre eurochequ intern commun trader affili groupement cart bleue eurocard franc sa decemb accept foreign eurochequ made french franc payment good servic term abovement organ agreement includ provis respect purchas paid eurochequ member groupement cart bleue eurocard charg affili trader commiss greater applic payment cart bleue eurocard payment bank member groupement cart bleue eurocard ensur affili trader increas price purchas paid eurochequ case special offer sale affili trader contraven principl set french bank financi institut action ensur compli futur commiss charg pass holder foreign eurochequ french bank financi institut retroced amount issu bank recurr breach principl french bank financi institut adopt ident sanction impos respect cart bleue eurocard circumst clear foreign eurochequ drawn franc accord provis packag deal agreement commiss amount abovement chequ ad charg nation clear hous provid point agreement end posit charg review practic review carri end year agreement continu appli unchang differ longer commiss charg accord packag deal agreement commiss minimum amount sfr practic trader affili groupement affect agreement signatur helsinki agreement card network made interoper result set groupement act nation eurochequ commun franc repres french financi commun eurochequ intern sc conclus agreement chang rel import theori regard scope place conseil de direct groupement adopt octob direct uniform rate commiss hitherto charg trader member groupement respect payment cb card abandon parallel helsinki agreement protocol juli refer recit includ claus juli uniform eurochequ longer issu free charg guarante payment franc continu issu abroad french conseil de la concurr decis octob call groupement abolish claus decemb proceed initi statement object made initi packag deal agreement decis eec made text agreement exempt prompt commiss juli send eurochequ intern statement object includ helsinki agreement statement object cover helsinki agreement simultan dai groupement statment object eurochequ intern regard packag deal agreement appli relat lack inform eurochequ charg compli oblig impos decis eec detail post inform provid drawer eurochequ charg regard interbank commiss eurochequ charg firstli systemat applic system member maximum amount introduct minimum amount sfr interbank commiss addit eurochequ charg fact practic uniform interbank commiss consist systemat pass full custom drawer eurochequ limit impos eurochequ exempt uniform set maximum guarante amount maximum clear amount detail examin critic commiss object state eurochequ intern groupement respect helsinki agreement relat fact price fix agreement applic relat bank custom interbank relat agreement french bank decid approv eurochequ intern commun charg trader custom commiss equal amount charg payment made bank card french foreign addit object made agreement object effect trade sector make competit whatsoev imposs eurochequ principl free charg paye payment card french bank opt prefer eurochequ system eurochequ intern repli statement object novemb disput correct argument hear organ eurochequ intern request novemb discuss continu place commiss appar focu shift major point hitherto pose problem fact eurochequ free charg paye aspect breach helsinki agreement eurochequ intern disput system origin found basi felt principl longer appli commiss point essenti aspect decis eec hing call question renew exempt assum point rais statement object resolv regard helsinki agreement argument put forward eurochequ intern groupement repli octob statement object juli hear novemb consist deni agreement contain oblig whatsoev charg commiss assert restrict agreement contrari object effect promot develop eurochequ franc statement object juli helsinki agreement concentr applic articl time drawn helsinki agreement notifi question applic articl aris question discuss statement object conclus reach helsinki agreement notifi exempt juli groupement formal notifi commiss helsinki agreement notif place dai meet commiss offici commiss offici confirm lawyer repres groupement statement object helsinki agreement drawn dispatch immin statement object juli make refer precipit notif agreement conclud year previous groupement object statement object account notif argument put forward commiss deem ensur absolut respect right parti follow statement object groupement juli supplementari statement object relat articl supplementari statement object statement object date june substanc alter legal assess made origin statement object answer argument relat articl put forward groupement notif repli initi statement object meet letter subsequ commiss februari march supplementari statement object relat notif helsinki agreement groupement eurochequ intern sc involv notif copi supplementari statement object eurochequ intern june abovement letter groupement inform commiss abolit helsinki agreement inform eurochequ assembl take note opposit staff decid termin mention made date abolit effect letter date june eurochequ intern inform commiss eurochequ board meet held shannon ireland express willing abolish agreement view repeat demand notwithstand anti competit natur term willing equival term decid groupement ambigu abolit helsinki agreement repli juli supplementari statement object groupement remov ambigu subject attach circular chairman groupement member inform provis challeng commiss gener quot helsinki agreement quot result decis eurochequ gener assembl assembl termin meet accept eurochequ total independ financi term institut appli respect remitt payment quot cb quot bank card ii legal assess articl undertak associ undertak bank credit institut member groupement nation bank group particip eurochequ system undertak mean articl eurochequ intern sc groupement nation bank group member state hold share eurochequ intern sc associ undertak mean articl agreement undertak repli juli supplementari statement object june groupement assert helsinki agreement agreement french bank eurochequ commun provis stem resolut eurochequ gener assembl event decis bind eurochequ commun point connect text groupement notifi commiss juli fact entitl agreement french financi institut eurochequ assembl annex form notif groupement choos word modal text agreement contrari word agreement time ground neg clearanc request state point page annex groupement notifi agreement restrict competit point page agreement appreci increas competit point page agreement franc risen modest posit posit leader helsinki agreement doubt agreement mean articl parti abolish groupement eurochequ intern sc groupement form notif agreement restrict competit helsinki agreement constitut restrict competit price fix agreement applic relat custom place agreement charg commiss custom precis agreement french bank agre bill french trader custom affili payment system groupement commiss equival charg payment effect holder cb card connect groupement claim agreement prescrib charg commiss eurochequ intern comment helsinki agreement point view articl articl repli novemb statement object juli subsequ leav groupement defend agreement hear novemb likewis maintain agreement prescrib charg commiss word helsinki agreement unequivoc respect stipul member groupement cart bleue eurocard charg affili trader commiss perfectli clear word helsinki agreement lai oblig charg commiss groupement argu hear french bank charg commiss fact exampl deduc french bank charg commiss agreement charg commiss ceas restrict competit virtu fact parti thereto vast major appli articl applic agreement effect restrict competit restrict object word charg show object agreement fact charg commiss eurochequ helsinki agreement agreement amount commiss charg point agreement state member charg commiss greater applic payment cart bleue eurocard strength word groupement repeatedli assert helsinki agreement constitut agreement contradict factor firstli open line agreement state affili trader accept foreign eurochequ term groupement cart bleue eurocard time signatur agreement octob term uniform factor bear abovement letter afb date octob state network french trader affili groupement cart bleue open foreign eurochequ term cart bleue anti competit natur agreement time conclus octob fact date groupement abolish uniform rate hitherto appli trader make restrict competit helsinki agreement repres mark agreement continu agreement principl charg commiss agreement natur restrict competit commiss found decis eec associ belg de banqu helsinki agreement continu establish trader octob trader affili groupement indissoci altogeth unjustifi link payment card payment eurochequ profoundli mean payment analysi aim helsinki agreement align price payment eurochequ french trader price payment card effect render eurochequ attract french trader combin prohibit refer recit impos french bank issu eurochequ domest agreement imped develop eurochequ franc domest mean payment compar eurochequ system exempt commiss helsinki agreement appear varianc system base inter alia principl eurochequ acknowledg contribut success paye eurochequ receiv amount thereof full groupement eurochequ intern contend commiss awar situat aris helsinki agreement adopt decis eec point connect helsinki agreement conclud formal notifi commiss repeat request commiss copi agreement august commiss unabl assess agreement exhaust knowledg admittedli commiss hear agreement form afb octob afb experiment effect limit commiss interest gain detail knowledg time precis term incident helsinki agreement experiment agreement posit regard rate review year time reach fundament import fact repli afb paint pictur situat commiss obtain notif packag deal agreement juli eurochequ intern behalf nation member group eurochequ assembl afb titl packag deal agreement relat specif open bank sector contradict partli escap commiss time claim afb groupement continu repli supplementari statement object french bank subscrib provis accept eurochequ trade franc eurochequ intern groupement argu packag deal agreement rest event longer basic principl paye eurochequ receiv full amount thereof helsinki agreement varianc eurochequ system govern packag deal agreement spite deni time conclus helsinki agreement varianc packag deal agreement base inter alia principl eurochequ free charg paye cost born drawer eurochequ intern acknowledg fact ground decis eec clear multilater interbank agreement pai bank collect commiss foreign eurochequ remit payment packag deal agreement justifi precis pai bank receiv remuner remitt eurochequ receiv commiss issu bank effect trade member state agreement helsinki agreement effect intra commun trade concern chequ drawn member state nation member state effect appreci present case franc princip accept countri million eurochequ trade take basi abovement averag ecu eurochequ annual amount involv eurochequ drawn franc ecu million eurochequ drawn trade sector franc ecu million articl examin applic articl definit concern applic helsinki agreement decemb juli period agreement notifi question applic articl aris respect period juli date notif agreement date abolit improv servic offer notif subsequ submiss groupement base justif applic exempt central argument helsinki agreement object effect further develop eurochequ franc gourpement view condit set articl improv distribut promot technic econom progress fulfil agreement franc risen form modest posit posit leader object effect further develop eurochequ franc claim groupement helsinki agreement object effect stunt develop aspect mecahn set french bank imped potenti competit eurochequ aspect provis protocol juli set groupement prohibit member groupement issu eurochequ domest hear novemb groupement argu firstli limit number eurochequ issu french bank issu fact result concert practic abolit restrict provis protocol set groupement french bank issu eurochequ abroad recit number eurochequ issu french bank fell recit figur groupement furnish hear show claus protocol last impact contrari groupement state hear claim abolish abolit number french holder eurochequ card fallen fact decemb claus delet respons order french conseil de la concurr decis octob state articl oper part groupement call abolish decemb stipul protocol juli effect uniform eurochequ longer issu guarante payment franc continu issu abroad claim made groupement hear provis question abolish abolit prevent number french drawer eurochequ decreas franc fals contrari direct link entri forc claus juli fall number french drawer eurochequ increas appreci repli supplementari statement object groupement offer explan surpris present fact hear point argument conform fact figur concern argument convinc figur show eurochequ card issu french bank enjoi period success success nip bud entri forc provis question year surpris number eurochequ card issu franc increas meantim number bank card issu object prevent develop eurochequ attain situat irrevers claus protocol abolish groupement decemb result intervent french conseil de la concurr helsinki agreement consid object effect hamper develop eurochequ franc make french trader pai mean payment eurochequ principl free charg pursuant packag deal agreement anti competit object provis combin attain judg annual rate increas number bank card franc period helsinki agreement coupl provis groupement law censur conseil de la concurr upshot present french household bank card million cb card issu result risk groupement potenti competit eurochequ franc virtual elimin likewis wrong claim groupement notif helsinki agreement contribut improv distribut promot technic econom progress franc lead acceptor eurochequ whilst true franc largest number foreign eurochequ drawn explan lie helsinki agreement figur furnish groupement million eurochequ drawn franc number eurochequ made trader approxim million helsinki agreement concern eurochequ drawn slightli lower percentag french trader foreign eurochequ made member groupement system payment card reason franc lead acceptor eurochequ reason found number tourist franc come largest eurochequ draw countri rank tabl recit franc rank accept countri eurochequ drawn franc rank ninth eurochequ draw countri account eurochequ drawn abroad show franc countri favour eurochequ system germani benelux countri benefit user opinion groupement condit applic articl allow user fair share result benefit fulfil categori user holder trader concern agreement enabl foreign holder eurochequ benefit reduct cost incur chequ foreign holder afford consider opportun eurochequ acquir instantan possibl withdraw cash branch member bank groupement effect payment premis cb affili trader trader ampli benefit accept eurochequ system payment card advertis target foreign holder groupement drawer eurochequ concern claim agreement enabl benefit reduct cost incur forget term packag deal sign french bank commun holder bill eurochequ abroad french bank charg holder commiss helsinki agreement violat packag deal agreement wrong claim helsinki agreement afford drawer opportun withdraw cash branch member bank groupement opportun previous exist result packag deal helsinki agreement concern trade sector regard trader clear helsinki agreement work disadvantag mean pai commiss foreign eurochequ receiv payment trader member state eurochequ free charg virtu packag deal french trader trader commun pai specif commiss foreign eurochequ helsinki agreement french trader packag deal agreement french bank parti commiss pai tend appli pressur french bank commun curb develop payment card part gener commiss payabl trader advantag eurochequ categori user intermediari case point benefit helsinki agreement made french bank paid servic bank commun remuner firstli french trader result helsinki agreement foreign bank bank drawer eurochequ result packag deal agreement true user part deriv benefit helsinki agreement contrari work detriment trader pai commiss eurochequ free charg drawer difficulti eurochequ franc trader refus precis commiss pai pass drawer cost trader pai bank indispens natur restrict groupement condit articl indispens natur restrict fulfil system enabl holder eurochequ franc condit member countri eurochequ bank accept eurochequ condit bank card geograph situat franc requir franc tourist northern europ usual mean payment facilit helsinki agreement enabl holder eurochequ franc condit member state purpos packag deal agreement indispens natur claim groupement consist fact helsinki agreement precondit appli packag deal agreement trade sector franc reason unaccept packag deal agreement exempt ground eurochequ free charg paye contradictori describ helsinki agreement constitut major derog packag deal agreement restrict indispens attain object packag deal agreement argument base geograph situat franc equal unten admittedli structur imbal eurochequ system eurochequ draw countri countri northern europ primarili germani account half number eurochequ drawn abroad benelux lesser extent unit kingdom accept countri countri southern europ ow flow tourist north south point connect franc geograph situat special itali spain bank sector consid demand helsinki type agreement make remuner arrang laid packag deal agreement scope competit fourth condit articl elimin competit groupement fulfil agreement permit introduct franc mean payment usabl foreign holder consider competit continu exist intern mean payment point helsinki agreement enabl eurochequ trade sector franc packag deal agreement expressli concern titl open bank sector mention agreement notifi commiss franc exclud open bank sector elimin competit assess level directli relev market foreign eurochequ drawn trade sector franc level clear helsinki agreement result elimin competit french bank agre bill commiss trader contrari packag deal agreement commiss appli payment card secondari altern level assess competit intern mean payment french trader state connect recit competit mean payment gener limit factual reason admittedli possibl carri cash person risk loss theft involv exchang cost shown studi beuc dissuas intern credit debit card figur show holder eurochequ card eurochequ holder intern payment card competit total elimin level commiss paid trader commiss precis helsinki agreement payment effect eurochequ intern credit debit card chequ eurochequ virtual chequ intern travel chequ postal chequ cash withdraw compet eurochequ mean pai trader articl regul view graviti recit seq durat infring fine impos groupement eurochequ intern respect period prior notif calcul amount fine factor account divis respons initi infring french bank bear main respons infring intern part due neglig eurochequ intern agre willingli particip infring bear albeit appreci lesser share respons commit neglig intention profit deriv agreement french bank deriv direct profit helsinki agreement eurochequ intern annual gain french bank term commiss gener helsinki agreement estim approxim basi element averag amount eurochequ ecu recit assum occur payment card averag amount eurochequ issu retail outlet averag amount chequ issu bank cash case averag amount consider ecu ecu annual number eurochequ approxim million recit thirdli averag commiss appli eurochequ approxim total annual gain valu approxim ecu million agreement effect decemb notifi juli durat infring half year view fact number eurochequ made year french trader slightli smaller figur million year estim helsinki agreement earn french bank sector approxim ecu million commiss trader incom deriv agreement illeg virtu articl commiss paid retail ad maximum interbank commiss paid bank eurochequ drawer provid packag deal agreement exempt commiss basi full amount eurochequ paid paye aggrav factor indirect unquantifi profit deriverd agreement financi profit ultim object helsinki agreement french bank claim helsinki agreement appear maximum remuner provid packag deal agreement insuffici cover cost helsinki agreement foremost object effect prevent franc develop competit place eurochequ bank card explain recit agreement provis protocol establish groupement prohibit french bank issu eurochequ nation imped develop eurochequ franc eurochequ intern deriv direct benefit agreement deriv indirect gain sens agreement price pai high price term restrict competit major derog packag deal agreement continu access french retail market lack cooper parti reproach commiss sought gain insight situat franc line afb reproach made respect direct eurochequ intern french bank commun fulli inform commiss initi subtleti allegedli partial access packag deal agreement situat aris helsinki agreement time commiss attent drawn commiss complaint formal request inform french bank attempt gain understand situat real signific helsinki agreement full knowledg doubt influenc commiss decis packag deal agreement true unlik council regul eec decemb control concentr undertak compulsori notif concentr commun dimens notif regul option undertak choos recours collabor fairli commiss import inform withheld principl fair full notif stem articl regul confirm court justic preliminari rule case vbbb eldi record bv helsinki agreement made consider breach packag deal agreement question aris commiss announc octob notic offici journal pursuant articl regul intent take favour decis respect eurochequ notif packag deal agreement supplement notif helsinki agreement consid fair accur notif commiss state decis eec aluminium import eastern europ member eurochequ system acced partial packag deal agreement helsinki agreement notifi commiss time packag deal agreement foundat helsinki agreement put question investig commiss commiss great difficulti obtain text helsinki agreement eurochequ deliber omit annex copi agreement repli request inform made commiss make repeat insist request commiss agreement final forward addit groupement eurochequ repeatedli incorrect interpret agreement claim oblig charg commiss final year send statement object agreement final abolish mitig factor abolit agreement belat spontan sens adopt commiss prohibit decis commiss critic parti fact end sought investig vigor scope import helsinki agreement exist mention french bank repli request inform albeit vagu inaccur term agreement present conclud experiment basi final decis impos fine bank sector degre clemenc comparison serious infring case mitig factor offset aggrav factor adopt decis articl agreement conclud eurochequ assembl held helsinki french financi institut eurochequ assembl accept trader franc eurochequ drawn foreign financi institut forc decemb constitut infring articl eec treati articl request agreement refer articl exempt pursuant articl eec treati period juli date notif date abolit reject articl fine ecu impos groupement de cart bancair cb fine ecu eurochequ intern sc reason infring refer articl amount paid commiss european commun month date notif decis bank account banqu bruxel lambert agenc européenn rond point schuman bruxel expiri period interest automat payabl rate charg european monetari cooper fund ecu oper work dai month decis adopt percentag point payment made french franc groupement de cart bancair cb belgian franc eurochequ intern sc exchang rate applic prevail dai preced payment articl decis address groupement de cart bancair cb rue de lisbonn pari eurochequ intern sc avenu louis bte brussel decis enforc pursuant articl eec treati brussel march commiss leon brittan vice presid oj oj sourc cb actualité june sourc report associ français de banqu annex sourc brochur entitl systèm commun au servic de chacun groupement de cart bancair cb decemb purpos decis eurochequ card guarante card electron payment card defin commiss recommend eec european code conduct oj recommend eec payment system relationship cardhold card issuer oj sourc eurochequ new march sourc brochur eurochequ sourc number eurochequ card groupement hear held novemb eurochequ card repli made groupement juli supplementari statement object june concept payment card recommend eec eec sourc studi credit card carri commiss request european bureau consum union beuc august data greec itali luxembourg portug sourc letter eurochequ intern commiss repli octob statement object hear held novemb oj present standard contract groupement retail appli payment made cb card visa card eurocard mastercard bulletin officiel de la concurr de la consomm de la répression de fraud octob notif repli origin statement object hear repli supplementari statement object point repli statement object oj recit paragraph page french bank approv extens packag deal bank sector record hear novemb page letter commiss juli recit studi entitl holidai monei april carri commiss request beuc conjunct union fédérale de consommateur magazin choisir oj amend version ecr paragraph oj recit