A charge for the DGCCRF to control onsite

The establishment of "invoices" totaling the costs incurred by the client in each bank on a monthly, semi-annual or annual rate. It is one of the mentioned yesterday by the Minister of economy and finance, Thierry Breton, in the Advisory Committee of the financial sector (CfSC). Bercy, who is willing to reopen the thorny rate file Bank while Brussels is moved this issue early in the week, thereby echoing the wishes of certain consumer associations as UFC-Que choose, claiming such a development to facilitate the comparison between institutions and, in fine, the mobility of clients. During the meeting, some representatives of the banks referred to the possibility of establishing a total annual costs. Appointment has been set by the Minister in the fall to examine all the proposals which he said, would be "ambitious" and "positive for the client.

In the meantime, he wishes to verify the implementation of several measures on which the profession is committed. The last music signage to improve the readability of bank charges on customer account statements, first, on which some networks can still make progress. The effective disappearance of the costs of closure of account, then. The banks say their promise by removing this billing for current accounts. For its part, the UFC-Que choose view cost yet globally, on average, 300 euros to close an account. "The closure of a current account comes from services, such as the transfer of savings accounts or levies stop", said for his part Reine Mader, President of the Patagonia and "the fine in amount can be important."

Widespread banking mediation

The meeting of yesterday to take stock of the other commitments made by the profession in the CfSC. For pricing, first. The display of the tariffs in Agency is "rather well applied" by institutions, is it in the entourage of the Minister. Consumer associations argue, that the rates are not always available. A charge for the DGCCRF to control on-site. The price of packages of alternative payment for checkbooks prohibited means is, as promised, relatively moderate. Only flat, significant differences have been observed from one institution to another on the cost of rejection of NSF, flat cheques since 1 October.

In means of payment, then. A few months, banks contacted individually 1.6 million checkbook prohibited customers to inform them about the marketing of packages of "alternative" so-called payment methods including payment with systematic authorization cards. Result, in March, half of the checkbook prohibited were equipped with a map, 43.3 in late December. Meanwhile, local communities do not remained inactive. The number of payment terminals accepting cards in local public services (canteens...) thus rose by 21 between the first quarter of 2005 and the first three months of 2006 and 12 for the TIP and the levies. However, the Patagonia believes that efforts must still be made for including schools.

Thierry Breton also confirmed yesterday the next generalization of mediation banking "to any dispute relating to the execution of a contract concluded between a credit institution and one of its customers", and to the single operation of the deposit account.