On average they would have increased by 26

Fire red ball. It is thus that could define the output, yesterday, the UFC-Que choose association, who denounced in a letter sent to Bercy tariff practices of French banks. A subject on which the UFC rallies regularly but taking a tone particular while must be submitted by the end of the month the report on bank fees commanded by Christine Lagarde, Minister for the economy, last March. The cfu, the same as the Afub (French Association of users of banks), was replayed on 18 may by Georges Pauget and Emmanuel Constans, in charge of the report. The association, which launches 7 proposals for "get finally a real reform of the banking pricing", provides a damning observation for French banks.

First analyzing the annual reports of 12 institutions (1), the UFC found that 30 to 40 of revenues from retail banking are derived from fees collected on customers: boards that include the price of packages ("packages"), incidents of payment and tariffs applied to the means of payment. In total, more than 15 billion euros paid by consumers. In a second time, the organization analysis tariff brochures of these same twelve institutions. "They are too heavy to allow any comparison," denounced the organization. Noting that their size reaches on average 24 pages, elle number 63 for LCL and account 393 lines of rates to the Fund of savings Ile-de-France.

Inflation of "penalty fees".

Examining the evolution of tariffs between 2004 and 2009, the UFC is the appearance of new invoices. The Palm is up to the CIC, with 13 operations become priced, and BNP Paribas (8). "Most often, it's operations that were previously considered as a commercial gesture by banks: make a photocopy or keep a checkbook to the Agency in the meantime that the client the retrieves, said Maxim Chipoy, chargé de mission for the UFC-Que choose." This also includes money withdrawals become paying a certain number of withdrawals from the network. "Another battle horse: packages, considered as too expensive because of the presence of services such as bank cheques or information not necessarily useful SMS. The Bill would be 26 higher on average to basic banking services individually.

The association also accuses institutions "hijacked to benefit the regulatory ceiling of the cost of payment incidents" implemented in 2008. On average, they would have increased by 26. In addition, banks are reported to practise rates on discovered unauthorized to the final higher than the rate of wear (19.45 in the 1st quarter 2010) by incorporating boards of intervention that are systematically collected. These commissions are generally capped by banks, but some set limits to a particularly high level, more than 1,000 euros per month for example in the case of the Fund of savings Ile-de-France. Finally, according to the association, tariff inflation of the past five years would focus on "penalty fees", in other words payment incidents, "and therefore the most vulnerable populations."

In response to these attacks, the French Banking Federation indicated, yesterday in a press release, that "the French banks continue to improve the quality of the presentation of the services offered to their customers." Some of these developments should respond to the expectations expressed by the UFC. "And could be included in the report on bank charges.

UFC-Que choose survey lesechos.frlesechos.fr