Crédit du Nord, the most expensive bank of France. Further analysis reveals, however, breaches of the law.
This is clear from the study conducted by select-my-banque.com according to their methodology. The results are visible on the following link:
http://www.linternaute.com/argent/banque/frais-bancaires-factures/credit-du-nord.shtml
Our studies focus instead on the legality of the items fee schedule. It is in the Crédit du Nord we had more "surprises".
Our attention was drawn by "anomalies" bizarre and very questionable practices.
Dispute on credit card payment: 39.50 EUR
Imagine going to make a claim for a reason necessarily justified by your butcher, your barber, your mechanic or your restaurant.
Can you imagine for one moment that the trader concerned asks 39.50 euros, just to listen to your complaint. No of course.
But that's what happens at Credit du Nord. The bank sold you a means of payment: credit card. This system is supposed to be secure, it is certainly the obligation of the bank.
You realize that amount has been debited and that it does not concern you.
So the security system that is at fault. You're there for nothing.
You claim, which is normal.
Crédit du Nord is 39.50 euros for having claimed.
use of overdraft: 15, 48 euros
You ask for an overdraft. It is indeed a demand for credit. Article 313-1 of the Consumer Code is formal, and the Courts of Cassation, 5 February 2008 was clearly confirmed. The APR (annual percentage rate) shall include interest, insurance and all costs inherent in that agreement found.
costs associated with the use of the overdraft are therefore covered by this article. Yet very often, the bank does not take into account. Why
fees must be included in the rate. Because the percentage rate is a standard calculation that allows consumers to compare the two offers.
To avoid that a bank draws its customers by announcing a 3% credit for example, but increases in a manner that obscures loading rate with a maximum cost.
Passing an overdraft: 129 euros
If you have an overdraft of € 500 for example, and a write occurs, bringing the balance at least 520 euros. Crédit du Nord will charge 129 euros as financial penalty.
Reminder about the legal nature of an overdraft.
An overdraft is a form of credit and non-amortizing revolving bank that you agree.
The customer has no technical possibility to increase the overdraft, without the express consent of the bank.
example. Your account is at least 500, you are within the authority agreed with your bank.
A 50 euro appears on your account. The bank has two options.
Either she refuses this writing, and she has that right.
Either it will consider the option to "lend" the 50 euros. This is clearly a new study of credit is conducted, although it is limited to one second of reflection and a mouse click.
Writing 50 euros is paid. It fits on your account, changing the de facto authorization contract to bring 500 euros to 550 euros.
Since you have not signed a new contract, it is what is called a quasi-contract. The legal characteristics are the same as a signed contract and, as the Court in September 2010, this new authorization for 550 euros "does not the banker, but obliges him to denounce this new and discovered by r and ar respecting the legal limit. "
This means that, until he has completed these formalities, it authorizes in fact your new found from 550 euros.
All this to come to the article in the fee schedule: Exceeded overdraft, 129 euros.
The word "tolerance" has no meaning since only the banker allows or not the new found.
The 129 euros which should be regarded as costs inherent in the granting of new credit and be integrated into the overall effective rate. This is never the case since the rate would be much higher than that of wear.
So it's illegal.
course there are other legal anomalies in this fee schedule, but here for the main.
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