A cap on the prices of banking incidents is deliberate for folks in a scenario of “financial weakness”. What is it precisely?
A buyer might be thought-about fragile by a financial institution if he’s the topic of an over-indebtedness process (together with if his file is being processed), if he’s registered for 3 consecutive months with the FCC (Central File checks), and since November 1 if it has gathered 5 irregularities or cost incidents throughout the similar month (and not 5 per 30 days throughout 1 / 4) and this, in view of its assets, every financial institution having set a revenue ceiling to outline this “fragility”.
We additionally remorse that these standards should not harmonized between the banks.
Duty to advise
The financial institution has an obligation to advise its prospects that it considers to be in a “fragile” scenario and should inform you of this. If you are feeling that you’re eligible, you can even ask your financial institution to profit from the measures under.
Since November 1, a cap on banking incident fees has utilized for “fragile customers”. These are capped at 25 € / month for a minimal interval of three months.
People in “financially fragile situations” also can profit from sure measures for his or her checking account and its administration by subscribing to the Support Offer for Customers in Financial Fragility (OCF).
The quantity of the OCF is a most of € 3 / month and consists of particularly: the holding, closing and probably opening of a deposit account, a cost card with systematic authorization, 4 Sepa month-to-month transfers and direct debits limitless, and so on.
For OCF holders, one other cap on incident prices applies. The quantity of every intervention fee is then restricted to € 4 per operation and all incident prices are capped at € 20 / month and € 200 / 12 months.