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From 1 May 2011, it will be almost impossible to prosecute a bank to court.

"We have the rights that can defend"

. On the basis of this principle that banks have enacted the new provisions of the Consumer Code. The 313-1 is particularly canceled. It was he who clearly defined the fact that the costs of interventions were included in the overall effective rate.

The new provisions do not question this principle, but the new article is written in a very complex and very technical.

The amounts in dispute are often lower 4,000 euros. The presence of a lawyer is not mandatory, only one client who is not the art, will have great difficulty in defining the offense committed by the bank closer to the new text.

Do not forget that proceeding, the complainant speaks first, and only a few minutes. In front of the bank's lawyer, will demonstrate square. The judge, who is neither a specialist nor a passion for banking, will tend to refer everyone back to back.

Besides the legislation, banks increasingly use the courts. Crédit du Nord, for example, Judgments obtained in total contradiction with the law.

1) The notice period for termination of a short pass from 1 month to 15 days.

2) A loan may be terminated without cause. Just the bank to send a letter denouncing the current account. Any requirements for the bank to close. The fact that she was "intent" is used to invoke the clause "closing the current account" as of right.
The deadline to repay the entire loan increased from 1 month to 8 days.
Interest in the bank is not so much to recover capital loan has since made it impossible to return, but we can start legal proceedings to recover and get paid on all assets.

3) It is recognized that a single account manager can make an entry in the file FICP without cause and without notice. The Registration is the weapon of discrimination and exclusion more effective. It is now available free.


To summarize:

Banks do not deny the right of consumers, but have created so many obstacles that litigation has become impossible.

Being a loan in a Bank makes available to it all of your assets.


There is only one last line of defense for citizens against absolute dictatorship, it will vote for a candidate in 2012 who has clearly denounced this fact. To date, there are only three.


"Because everybody thinks that it is impossible that the banks do."

Gerard Faure-Kapper

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control program against the "useless eaters"

On the show "Talk Net" on France Info, Alain Minc, a close adviser of Nicolas Sarkozy, spoke the need to find a final solution to the problem of the presence of "very old".

The personal story he used to illustrate his remarks alluded to his own father
"I have a father who was 102 years old. He was hospitalized 15 days in an advanced service. He got out. The French community has spent € 100,000 to treat a man of 102 years. It's a huge luxury, special to give him some months or years of life. "
Moreover," it is absurd, "the State" has made me this gift to the eye "

To solve this "problem "Accounts of social security, he proposed to cough it up the very old. "I think it is fine to have the question is how we will recover the medical expenses of the very old, not making contributions or their assets when they have one, or the heritage of their successors -rights. "

What are 100,000 euros? A little less than a trip to New York from a Minister in a private jet to attend a meeting that person has nothing to fight. Cost 138,000 euros.

A difference anyway, the father of Alain Minc has paid any his life with Social Security and paid him are probably much higher.

These ideas are taken over by Nicolas Sarkozy in his idea of a compulsory private insurance dependency.

But who do we talk? Our elders, those who have worn stone by stone to build this country and this society. Of those who gave their blood on battlefields to defend our republican values. Of those we will inevitably one day. He speaks of our grandparents, who have illuminated our childhood and softened the harshness of life.

But who speaks Alain Minc? By his own father, who raised him, who worked for him pay for his education and offer him this. We the French we can say that it is treated by his father too expensive, we are willing to pay for him.

The French had fallen asleep. They wake up now, they know where the company conducts ultraliberal led by banks and the great captains of industry.

Get well that in mind and remember the words of this beautiful song by Jacques Brel.

"The old man did not die, they fall asleep one day and sleep too long
They hold hands, they are afraid to lose and will lose yet another
And stays there, the best or worst, mild or severe
It does not matter, whichever is finds himself in hell Cross this
already apologizing for not being more far away And before you
last time the clock money
purring at the show, who said yes that says no, they said: Who I am waiting
purrs at the show, saying yes and saying no and then ahead. "

Gerard Faure-Kapper

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Already 250 signatures to our petition for the prevention of suicide. Continue to sign and distribute! Responses

Following numerous emails customers and bank employees, I bring some clarification on the action of our association for suicide prevention for "financial reasons"

The text seems, in fact, many employees worry that fear of being well "placed in front of their criminal responsibilities."

The objective of our approach to prevention is to save many lives. The action is to attract the attention of families to the fact that a bank may be responsible for the tragedy.

For this, we are able to offer "expert" more or less extensive depending on the case and submit a report families. These, in the most urgent cases, may institute criminal proceedings.

It is impossible today to determine the basis upon which such action must be initiated. This can be only piecemeal.

By cons, we will precise statistics on the alleged causes and the banks concerned. While some institutions have institutionalized unsafe practices, our civic duty of care requires us to advise customers of these banks.

Do not forget that 25 years ago there were 12,000 road deaths and 12,000 suicides.

Today number of accidental deaths has dropped by 60%. This is due to combined actions on roads, vehicles and drivers. It was very expensive, repression was ruthless, but the result is there.

At the same time, the number of suicides dropped by only 20%.

is why we must support us by signing our petition and sign making.

www.collectif-anti-banque.fr

Gerard Faure-Kapper

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The permit is in the pocket

After 3 months of training, we spent last week testing our validation (code, plate, pipe, business operations). We all passed all the tests, with a maximum of 4 penalty points on the test tray in its entirety (written questions, statements, records, operations) and 3 of us at 0 points, represents a good score! The only downside is that unfortunately two of my classmates did not pass the driving the first time. We cross our fingers for them, they have to retake the test on Monday.

One important thing that I when I found myself past my plateau, is how much stress can make us lose our means. When VAD (Check Before Departure, a full rotation of the vehicle with a series of checkpoints to make before hitting the road: tire pressure, levels, operating lights, emergency exits, blah), I knew Yet on the fingertips, I found myself m'emmêler brushes on the verification of lights, forgetting to switch on lights or rear fog lights in appointing positions back "reverse lights", etc.. It was quite folk and I had to do a lot of round trips between the cockpit and the exterior lights to illuminate the corresponding ... In the end, fortunately, I recovered my composure and I did not take any penalty points.

Regarding security cards / board / mechanics, I took the number 5: Loading & overload / retarders. Zero penalty points as well.

Then the maneuver, I pulled the number 3. Not the most difficult, it was the coach putting frankly gases. Cons for consideration by no means am I the evil one: I played very quiet with a sliding clutch. Despite that, I got a fright Arriving at the last row: no stake in my mirrors! They were actually behind the vehicle because I did not have enough fear of pointing out my front wheel track (absurd, there was ample room). I've realized just in time and am therefore left forward in the previous row, before resuming my walk back by wrapping frankly this time. Then to stop precisely on the white stripe, I was so freaked out that I first arrested 80 cm above before I went down to see exactly where I was, then went back, I decreased a little, went back down, I finally went back and finished ... 3min30 to perform a maneuver that was usually in less than a minute ... Well the main thing is that I came close spike and no I have not exceeded the white band at the final stop.

That, so the lab is in the pocket! He is to spend two weeks at the training center, which will be devoted to the development of conduct. It may be that we left a few days in the mountains, for example. Then we go into business in early March. For once, I'm eager to get to work ;-)

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brutal banks to our actions requiring the legality of their out-of-law. The

banks perceived the danger to them of the success of our actions. They try to push through, through case law, a pseudo-legalization "For their actions.

is Societe Generale, through its subsidiary "laboratory" Crédit du Nord, which launched the offensive.

The lab's mission is to push to the extreme resistance from customers. The objective for the bank is to ensure absolute control of all property thereof.

February 15, 2011, Credit du Nord was accused in court, among other things, to "be terminated, without cause, a loan agreement requiring his full refund within a week. " The sum required was about 15,000.

The reason given by the bank was "closing the current account. The latter being opened on the date of revocation of the term.

The maneuver of the bank is as follows.

1) There is a clause in any loan contract, breach when closing the current account. This clause has been deemed unreasonable because linking two independent contracts.

2) There is a text that allows a bank to close an account without giving a reason.

3) When a loan is repaid, the customer pays is interest in the early years before repaying the capital. If the bank grants a loan repayable in 7 years, after 2 years, the capital is almost intact. Hence the enormous interest for the bank to demand repayment, especially since it adds 8% of capital.

4) The bank will then allow himself to close the current account, and it is his right. Then she demanded repayment of the loan within a week. Only problem, the client has recourse to the Bank of France, and the closing operation is risky and time consuming.

5) Crédit du Nord then considered that just sending a letter to request, within one month, the account is closed, allows the bank to invoke the clause and demand balance.

was the subject of the trial. Counsel for the bank asked the court for recognition of the fact that a bank may, at his pleasure, require any funds from his client.

By cons, it is rare that the customer can pay. It is here the real objective of the bank. She can take legal action against the client and paralyzed and recover all the assets thereof.

The current trial is pending until April 26, 2011. There will appeal to both sides. If the bank is successful, the Court has approved and legalized these actions are yet to fraud.

Thus, when a customer requests a loan, however small, the bank becomes the owner of virtually all his assets.


CFDT Crédit du Nord, probably in agreement with other unions, has strongly denounced the "orders" of the Directorate to ensure a "frank and sincere cooperation" of its network.

Here's what it says on the site of this union very courageous

" Throw the customers "!??
Tuesday, January 4, 2011
Terrible! They did it! There are cons in the bank who dare to ask employees to" hunt "the customer" Until now we were talking conquest customers, prospecting, referrals, etc.. All kinds of acceptable terms.

But here, officials (we still can not know that: Branch, Department of regions, branches of groups) have taken not an obnoxious by asking employees to engage in the hunt for customers, that is to say, shoot them on sight (the words mean) I just despise employees that ask them to engage in this barbaric act. Car chase the customer is the trap, the mowing, the commission often overwhelm undue expense unacceptable is finding new customers to apply tariffs among the most expensive of all banks in France.

CFDT's mission is to defend the interests of employees and customers that make us live. CFDT denies any abuse, so it does not compromise by signing a wage agreement shameful for employees who are driven to the loss of purchasing power by management, the union SNB-CGC and CFTC decidedly uncharitable !
And if what anti-hunters say (Hunter = big con!) Was true? There would be unbearable for the workers! "


Gerard Faure-Kapper

My Stomach Isnt Cleaning

PLUMB is received at Bercy


On behalf of the PLUMB, I was received by a member of the Cabinet of the Minister of Finance to present the petition 3800 signatures.

This allowed me to describe in detail our main application, namely: the prohibition on banks to debit customers' accounts without authorization thereof.

In a very interesting discussion during which clashed legal approach and practical use, it shows this:
In absolute terms, yes, it is forbidden to touch a bank customer's account, but usage has made us forget this rule.

is what happens when citizens lack of vigilance and forget to defend their rights.

Even if one can fear a stiffening of the banks if the measure is imposed, things will recover quickly in order under the pressure of competition.

I gladly acknowledge that my interlocutor has never been an advocate for banks. He is well aware of the social disaster that they cause.

Next step, meeting with the Minister of Justice and then with the Minister of Economy in the company of Maxime Gremetz is thoroughly with us since the start and uses all his powers of persuasion to get appointments and defend our cause.

Our goal is that banks have the bill for their services and are awaiting authorization from the client instead of using the accounts.

There is still a long way to go, but what path with you all last year, my dear friends who never gave up.

Gerard Faure-Kapper

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DEAD ENOUGH! The CFDT



"A girl eight runs to the garage. The table is set, the meal is ready. His mother asked him to fetch his dad who tinkers in the garage this morning. She calls him, opened the door and enters the room. Nobody replied ... "

" A mother leaves the supermarket pushing her cart. She is accompanied by the youngest that trotting behind. She walks to his car when his cell phone rings. This is the captain of the gendarmerie of the city about his eldest son. She thought he was at work today but it was curiously absent ... "

" A workshop 5, machine stops. Obviously, a piece dropped inside. The worker who cuts the current maneuvers. He leaves and goes to the prefabricated housing the office of the foreman. He enters and calls his supervisor. Nobody answers. Behind the desk, he sees both shoes of a man lying on the ground ... "

In France, every 45 minutes, this scenario can be fatal. Every 45 minutes a man or a woman has decided to end his suffering.

12,000 people each year and leave us without this number decreases. Of course, we know it is a complex problem and that are a multitude of causes.

25 years ago, there were 12,000 suicides and 12,000 in road accidents.

In 25 years, road accidents have fallen by 60%. Everyone rallied. Action was needed on the roads, and state funded. He had to act on vehicles and they are the builders who have been involved. Finally relentless repression has changed the behavior of drivers. The result is there, thousands of lives are saved.

In 25 years, suicides have experienced a decline of 20%. For this figure drops, action is needed on each of its causes. The plumb decided to act decisively on financial reasons. For this, we must require banks to comply.

We ask everyone to help us. How? Simply by spreading the messages of our blog to his contacts, his friends, his groups everywhere. By developing our communication that we can open the debate. At one year of presidential, we will have interesting results.

The Association for the Legality of Banking Operations and Movements counting on you to ensure that we receive more than those pesky phone calls.

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Crédit du Nord acknowledges receiving orders for the "hunt for customers".


CFDT Credit North denounces the orders received by the Directorate of "chasing the customer". Rest assured that the union, customers get organized. Tomorrow Tuesday, Credit du Nord is in court to answer for attempted fraud and he is director of the agency in question is ... CFDT delegate. While it does not lack salt.

Here is the link and copy paste the text:

http://creditdunord-cfdt.org/spip/spip.php?breve320

BEGINNING OF QUOTE

"Throw the customers"! ?? Tuesday, January 4, 2011


Terrible! They did it! There are idiots in this bank who dare to ask employees to "hunt" the customer! So far we talked about winning customers, prospecting, recommendations, etc.. All kinds of acceptable terms.

But now officials (we still can not know that: Branch, Department of regions, branches of groups) have gone one step obnoxious by asking employees to engage in the hunt for clients, ie to shoot them on sight (the words mean)! Is to despise their employees seek to engage in this barbaric act. Car chase the customer is the trap, the mowing, the commission often overwhelm undue Ineligible costs is to find new customers for their charge rates among the most expensive of all banks in France.

CFDT's mission is to defend the interests of employees and customers that make us live. CFDT denies any abuse, so it does not compromise by signing a wage agreement shameful for employees who are driven to the loss of purchasing power by management, the union SNB-CGC and CFTC decidedly uncharitable !

And if what they say anti-hunters (hunter = big con!) Was true? There would be unbearable for the workers!

Comment on this brief
1 Post

"Throw the customers"! ?? 14 February 18:33, by GÃ © rard Faure-Kapper
Thanks for the message that breathes the franchise. You should know that tomorrow, Tuesday, February 15, Crédit du Nord is answerable to the District Court of Paris XIV for the dramatic consequences of this hunt. I think the direction that gives this type of instruction, will not fail to take action against the offending agency, namely Paris-Convention. Our association is at your disposal for this common struggle. www.collectif-anti-banque.fr We fight for the prevention of suicides for "financial reasons". Families entrust us with the last 5 years of account statements. If this type of scam, there will be criminal complaint. These are the branch managers who will find themselves on the frontline.

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UNQUOTE

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Our Petition to stop the illegal levies on bank accounts of customers, "presented to Ms. Minister of Economy.


Our Petition to stop the illegal levies on bank accounts of customers "has collected 3,719 signatures. We thank you for your commitment.

http://www.mesopinions.com/Pour-que-cessent-les-prelevements-illegaux-des-banques-sur-les-comptes-des-clients--petition-petitions-b87b540f66c4c9ccd6fe9eaa539cbcba.html

We have an appointment with an advisor from the Ministry of Finance at Bercy Wednesday, February 16. We will present the petition.

Our approach focuses on institutional and permanent violations of law by the banking system as a whole.

particular the fact that a bank may charge in accordance with the conventions of the day, but can not, under any circumstances, take the resolution of this bill on behalf of his client.

The account is a sanctuary of privacy. Funds deposited are the property of its owner and sole legal proceedings can dispossess.

Can you imagine a society where each company, provided it is in possession of details of the credit card can charge the customer the most fantastic amounts, without the owner can give his opinion? Of course not.

For one year, we contacted all the banks, none has been dismantling our reasoning with legal arguments. Employees of these institutions merely "jumping like kids" shouting "agreements, conventions ...." Yes, the account agreements inform the terms and rates is a reference that allows valid charge, but these agreements do not in any way the right to use the account

Lawyers, lawyers, criminal lawyers, judges and others have examined the validity of reasoning. Everyone agrees: the banks are operating in violation of the law.

The question we ask the Ministers is simple: When the banks they will comply with the law and present the bills of costs to their customers instead of using their account.

Our association, PLUMB, will never yield on the republican principle of equality before the law.

The site PLUMB (association for the legality of transactions and bank transactions)
http://www.collectif-anti-banque.fr/

To be informed of our actions against the banking system, please join this Facebook group.
http://www.facebook.com/faurekapper?ref=profile # / group.php? Gid = 111715095522269

Become a member of our news blog:
http://antibanque.blogspot.com/

To show your sympathy with our movement.
http://www.facebook.com/faurekapper?ref=profile # / pages/Que-labolition-des-privileges-des-banques-devienne-une-cause-nationale/313430107276

You can do something The important for the association, distribute, disseminate, distribute ...

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Because the courts are moving ...


February 1, 2011, the district court has dismissed a bank customer who requested it enforces the regulations governing billing of intervention costs.

It turns out that the arguments given by the bank that led to this decision are those that we go to there to appeal.

The bank refuses payment for the following reason:
"The definition of response costs is given by the tariff sheets as follows: Account Review anomaly in preventing automatic processing of daily operations "

What really recall the nature of the action:

The bank must pay the customer's orders within the limits of its available supply account.

Therefore, if a write occurs when the account is overdrawn, the transaction is automatically rejected by the computer system.

There is no human intervention.

But the bank may choose to explore the possibility to lend or not the missing funds to the client.

So this " Review accounts anomaly "is about.

The action manager is studying a "credit". Although this study only lasts a split second, the "click" given by the manager, he lends the funds and pays the writing, is the acceptance of credit. The law does not define the minimum time for a credit check.

The bank is entitled to charge such intervention by taking fees, as the intervention costs, transaction fees, cost of forcing, etc.. these terms cover the same reality.

These fees, and no one disagrees, are covered by Article 313-1 of the Consumer Code. They must be included in the overall effective rate.

But the bank refuses to reimburse the costs of intervention. The arguments put forward have convinced the court of first instance.

In reinstating the charges in question in the percentage rate, we arrive at a rate of 164%

We study the best legal follow-up:

-either to appeal the decision if we dispute the charges and ask the reimbursement.

-either lay a criminal complaint against the Director agency to practice usury. (The fine is around 45,000 euros accompanied by a prison sentence).

In both cases, the world will change for the bank.

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Creating the Association for the Legality of Banking Operations and Movements PLUMB


In the campaign against the banking system brought it over a year ago, an association is born: PLUMB (Association for the legality of transactions and bank transactions).

You can correspond with her by becoming a member of this blog or Group:
http://www.facebook.com/group.php?gid=111715095522269&ref=ts
The address is: aplomb@laposte.net

L association Search correspondents in each department. their role will be to establish and maintain good relations with the local press.

Registration Act in 1901 is underway. We develop a charter which outlines here:

Association argues that banks are acting within the law and respect for texts in particular in relation to the daily management of client accounts.

The association supports the victims of the actions of banks. She has particular available to families affected by the suicide of a loved one and who suspect illegal actions of the bank of the victim.

Association requires compliance with Article 544 of the Civil Code on property rights. She recalls the legal nature of the deposit contract and reaffirms the fact that a bank account is in private, just like a home. It can not be charged without the express permission of its owner.

The association has refused any negotiations with banks on texts. In principle, a law is applicable to all and can not be no negotiation.

The association will act to promote the mutual movement. She asked in particular to the Chairpersons of the Boards of Directors of Credit Local Banks Mutual pass the necessary resolutions to respect the right to property.