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misunderstanding or limited? That is the question!

Thomas, in January 2011

Tough to be parents of aspirations! We live, day after day, the same accusation: we are constantly in the eyes of neurotypical, very bad parents! It was nice to defend themselves, the people we interact, that we cross, are judges and jury. It tells us in the family .... we felt at the grocery store, the fact we live in the park.

The bla bla of women before us in the queue at the cashier of the store ... "but not, you AC s'peux!" when your son takes the excuse of "NO!" to his request to make a gum bubblegum crisis irrational ... Or the uncle who answers you so unconvincing "if thou say!" when you try to explain why you can not t'interposer while ransacking everything in your child's room cottage ... A good spanking, seems it would settle the question! ...

Ah !.... If only they knew ... If only they could understand! But, in fact, how could they?? Change places with them .... Imagine a few moments you're told that your little son has Asperger Syndrome ... ( Of what?) That is a form of autism (ben non! Autistic it drools, it does not concern you in the eye and it shakes the arm in all directions!) The nickname of this ... thing! is the invisible disability ... and that is why you do not always punish instantly, you need to make psychological intervention when her anxiety rises ... (This is not the anxiety that! It is a refusal to obey!) That you must temper more often than not! (Heu. ...) And above all he must learn to temper SE ... (And what else!) And if in addition, the child says bad words ... ayayaye! This is the straw that broke the camel's back! At any time! But let us .... Let us then or we did not have kids yet different ..... Most of us would look like this woman and this uncle ....

With the diagnosis, we have forgotten our own prejudices ... Surely we have packed as soon as we felt that our child was different ... And if that was not ours, this child? Should we believe the word of apology from our son, sister, daughter-in? Or do we not tempted to think that it is the kind of mother, he is the kind of father who wants to be "friends" before "the teacher?" We live in a society ease or children kings reign victorious in many families ... This does definitely not help us. How can we expect it to spontaneously believes that invisible difference?? Are we not fallen even nudes when the diagnosis was announced??

I realize over time that I can not impose this understanding to people who do not live inside my house ... not that we must let these people said anything, but we must learn to accept their incomprehension. Not all are excellent researchers web! :-))) Warning! I am not talking about rejection! That is worthy of another column! ;-) No. I speak that, despite all the effort we put, it is possible that we will not get the desired results: the acceptance of the pathology of our children by our family and even less! foreigners. We must learn to "do with" ...

course! bounds, there is! People who have no good will ..... which, despite the accumulated evidence supports the hiding of the eyes under thick blinders several kilometers !.... But between you and me, I do not think they are our neighbor, our cousin, the lady from the grocery store .. There not just aspis who do not destabilize! Humans love nature, stay in the familiar. These people simply prefer to cling to what they know. This is by far much more reassuring!

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How to bend his bank. Article "Que Choisir"


Bank overdraft
How to bend his bank

Using a jurisprudence of the Court of Cassation, UFC-Que Choisir Pays Basque obtained reimbursement of unjustified charges invoiced to customers in the open.

is a court order who will soon be 2 years, but consumers are still wrong. Yet it's very favorable. In February 2008 the Court of Cassation considered that "the costs of forcing" in the event of unauthorized overdraft should be included in calculating the overall effective rate.

If the vocabulary is technical, the scope of the decision is easy to understand. If discovered, your bank may charge you a premium. They can not exceed a certain rate of interest on pain of breaching the wear, which would be a misdemeanor. Reviewed each quarter, the wear rate was found for 19.67% of the 1 January 2011. The banks know their stuff and never cross the yellow line. At least in appearance. But looking closer, they also charge their customers who exceeded their overdraft limits commissions intervention. Otherwise known as "cost of forcing" these penalties supposed to correspond to an accounting and administrative work provided by the bank can easily reach 10 euros per overdraft. Because they are combined in frequent incidents, adding a few months may exceed 100, 200 or 500 euros. By integrating these sums to calculate the real interest rate charged by the bank, the wear rate explodes. And it is precisely the meaning of the decision of the Court of Cassation: the cost of forcing must be taken into account.
Account closed in the wake

With these precedents, UFC-Que Choisir Basque Country has begun to systematically go to court against banks for the repayment of the sums paid by consumers who request it. Over a dozen agencies attacked the vast majority have settled before the hearing, with customers signing memoranda of agreement confidential. Three went to the end and they have lost. This is the Societe Generale in Hendaye, the BNP and the ICC in Anglet Bayonne. They were convicted in March, June and September 2010 to reimburse their clients 539.60 Euro 980.10 Euro and Euro 3512!

"The process is easy, says John Furgerot, vice president of the UFC-Que Choisir Pays Basque. Just send a letter to his agency in requesting reimbursement of interest paid beyond the rate of wear. Banks will respond by letter type of refusal. It must then announce his intention to appeal the judge proximity. "Attached to the District Court or appellate court nearest the latter is competent when the sums involved do not exceed 4,000 euros. In general, the mere threat is enough.

careful however. As Jean Furgerot, banks are bad losers. "They usually close an account of the complainants. At a minimum, they withdrew their overdraft. "Better to be resolved before committing the standoff. But if the consumer intends to assert its rights to the specific point the costs of forcing the law is totally on his side and he has very good chance of winning the game.

Erwan Seznec

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Unions are concerned about the rising complaints directly against personnel of the banking agencies.


Unions are concerned about the rising complaints directly against personnel of the banking agencies.

Like other corporations, such as police or hospitals, employees of banks find themselves more and more often face justice for their actions.

So far, customer complaints were the directions. They had the means to counter them. Iron pot clay pot cons people said. It should actually have the nerves and strong backs to attack a bank.

employees feel safe, covered a feeling of immunity. Now being directly targeted, they find not to be supported. Worse, they often Directorate turns against them.

In which case the civil or criminal liability of a bank employee may be engaged?

Generally, whenever their signature on a document is filed, such as withdrawals unfair competition, for example.

Whenever they are the direct source of a disputed transaction.

Every time the act is in violation of the law, including the 313-3 or 311-17 of the Consumer Code. (These items are being violated every day).

They can also be prosecuted for harassment in raises.

The purpose of these complaints, often requests for compensation for damage caused. In the case of companies accounted for bankruptcy or sell real estate at a loss, the adition rises very high.

In extreme cases, including suicides caused by financial situation irretrievably compromised, the employee's interest to have done nothing wrong.

Since the Kerviel affair, the guidelines have not only tend to release their staff, but worse still, to charge.

user associations of banks like ours, have no influence on the decisions of customers. They exercise their right to sue. I remember

Article 8 of the Universal Declaration of Human Rights 1948:

"Everyone has the right to an effective remedy by the competent national courts against acts violating the fundamental rights granted him by the constitution or by law. "

Gerard Faure-Kapper

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2011, increasing the pressure against the banks.


Banks want to improve their image with the public to forget that levies fees are outlawed.

They were announced by the Minister of Economy a number of measures that make it even more incomprehensible their billings. This opacity is necessary to continue to drain the accounts.

Indeed, it important to know that service costs 2 € 90 in a bank and 2 € 65 in another bank when you punctured between 100 and 200 € monthly.

other hand, insofar as it becomes extremely difficult to change banks because loans and withdrawals, that interest to know these comparative.

Can we imagine that we take it enters a restaurant, in a second dish and dessert in a third.

What is missing in views of services, are references to violations of law, and article references.

The reality of these ads is the willingness of banks and the Ministry of Economy to remove the crime of usury, to eliminate laws on the protection of consumers and especially with the mediators to orders of obtain a monopoly of Justice for arbitration.

I congratulate on nicks consumer and users of the bank who approved this scheme in the media who participated in the pseudo-negotiations.

Remember though that 1 January 2011. It is the consecration of financial fascism.

Gerard Faure-Kapper