Several associations, together with the UFC-Que Choisir, denounce this February 2021 the “decline” within the readability of sure worth brochures from banks.
While the Financial Sector Advisory Committee made public its research on financial institution tariffs in 2021, the Association Force Ouvrière Consommateurs (AFOC), Consumption Housing Environment (CLCV), the National Union of Family Associations (UNAF) , Rural Families and the UFC-Que Choisir denounce the decline “unacceptable“the readability of sure worth brochures.
They qualify the current motion of the banks as being “a betrayal of their commitment”.
Consumers drowned in info?
Although shoppers have an curiosity in competing between banks to save on charges paid (up to € 180 in annual financial savings), the UFC Que Choisir finds that financial institution mobility is capping at 2.5% per 12 months : “It must be said that the banks are doing everything to reduce the comparability of their offers, in order to preserve the considerable sums they take from consumers (25 billion euros in 2018) “.
As proof, in 2021 the banks’ worth brochures embody a median of 390 costs unfold over 27 pages.. “In this almost generalized nebula, some banks are completely drowning consumers under the weight of information: the price brochure imposed by Société Générale is thus a 55-page millefeuille, and that of the Grand Est Europe savings bank displays no less than 612 prices !”, explains UFC Que Choisir.
BNP Paribas, Société Générale, Boursorama: “the black sheep of readability”, according to the UFC
To facilitate the comparability between the gives, and below stress from client associations, the banks had undertaken in 2010 to publish on the primary web page of their brochure a normal extract of the tariffs (EST) gathering the costs of the commonest providers ( account upkeep, financial institution card contribution, and many others.).
UFC Que Chooser regrets that this progress is “endangered”, as proven within the report of the Financial Sector Advisory Committee on Bank Tariffs 2021.
In truth, one in 5 shoppers now not has entry to EST since Boursorama and Hello Bank! have joined the retrograde institutions which had already deleted it from their brochure final 12 months (notably BNP Paribas, Société Générale, Crédit du Nord, ING Direct).
“The banks cannot justify this decline by the implementation of the tariff information document imagined by Europe (DIT)”, protests the affiliation which accuses the federal government of not drawing the implications of this “snub “.
“In the spring of 2020, he thus exerted all his weight for the rejection of parliamentary amendments aimed at restoring the legibility of the price brochures by announcing to the Senate the holding of proceedings … which have still not seen the light of day. !
Even extra severe, as with the capping of incident prices, he persists in believing in self-regulation to make sure the sustainability of client rights “, emphasizes the UFC.
Anxious to assure shoppers related info, AFOC, CLCV, UNAF, Familles Rurales and UFC-Que Choisir name on the general public authorities to set up by regulation:
- The readability of brochures, specifically by holding the usual extract of costs on the primary web page and expressing costs on an annual foundation;
- The readability of the tariff info paperwork by requiring that there be just one bundle that is comparable between banks
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