" A laissez-faire unacceptable. "UFC-que choisir does not mince his words. In an article published on 2 July, the association denounces the attitude of the banking institutions French in terms of costs of incidents. According to his calculations, only for the year 2018, the banks would be unduly collected no less than € 420 million to households in france. An amount that would be similar from one year to the other and that would, in the facts of the duplicates of the costs of rejection sampling, where the account of a client is in lack of provision.

These costs of rejection are charged " an average of 20 euros ", says the consumers ' association and are collected by the bank must refuse the payment of a debt of a customer, because his account is not sufficiently stocked. However, overage costs may arise in particular when a new payment order is issued by the creditor within a period of ten days and that the customer concerned has not had the time to feed his bank account meanwhile. What are these duplicates for a single banking transaction that denounces the UFC-That to choose, and which, in the aggregate, represent 420 million euros.

households already impacted by the crisis

In his article, the body asks government to "impose the automatic reimbursement of the costs of rejection sampling" overpayment ". According to the association, the question of the excessive of these levies fees incident to banking must ask more broadly. Especially in light of the current crisis. The UFC-que choisir points out that the pandemic of sars coronavirus and its consequences, " power up the household budget ". "Consumers face an increased risk of being in the red. Whereas before the crisis, a client on four performance costs of incidents each year, this proportion should obviously grow and weaken even more their budget, " the association in advance.

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Each year, in total, these levies costs of incidents would yield to the banks not less than 6.7 billion euros. However, according to UFC-que choisir, the banking institutions would cover these costs, " margins exorbitant 86 % on average ". The body requires therefore that the government imposes stricter rules on the banks, that it "supervises effectively the pricing of the expenses incident to banking" and expand the type of costs subject to a cap.

The government is working on the folder

criticism and claims that occur while the government must publish very soon a decree on the costs of incidents. A text which should define more precisely the populations that may be eligible for bank products capped. For these customers, the bank charges should be fixed at 25 euros maximum per month, for three months. An initiative welcomed by the UFC-That to choose, but that does not go far enough, she says, because " the banks will still be able to decide, each according to his own good pleasure, the criteria to benefit from the cap ! "