Consumer associations in the project with clear terms
With a press release draft agreements clearly announces its expansion involving 9 consumer associations (Adiconsum, adoc, Casa del Consumidor, Active Citizenship, Confconsumatori, Consumers League, Consumer Movement, Movimento Difesa del Cittadino and National Union of Consumers).
Patti Chiari was born in 2003 aims to inform the customer about the world financial banking.
In 2008 was published a new section dedicated to the world of loans, with interesting test to prove their knowledge and questionnaires to better understand what the customer needs.
Documentation personal loans and the sale of the fifth
webworld.myblog has published an interesting table that included the necessary documents to obtain two types of loans: personal loans (typical purchase for consumption) and the assignment of the fifth (the direct sale of a portion of salary).
PERSONAL LOANS
Personal documents: ID card or Driving License, Tax Code.Proof of income: salary, pension slips, Oa M, CUD, statement of income (one or more of these documents according to the type of income)
Privacy: Supplied by the lender to the customer
Contract Funding: Provided by the lender to the customer
Utilities Gas, Electricity, Telephone: Copy of the last regular bills paid
FIFTH ASSIGNMENT OF SALARY LOAN AND DELEGATIONPersonal documents: ID card or Driving License, Tax Code.
Proof of income: Last CUD (for employees), pension slips, M and O a CUD (for pensioners).
Certificates of salary: Released by the employer on the financial model provided) or Certificate of Service.
Benestare: Issued by the employer to complete the operation.
Adusbef opposed to the project clear Patti
Yesterday I wrote the extension draft to 9 pacts clear association’s consumers, but these lacked one of the most important Adusbef.
The latter has expressed opposition Patti and clears in a press release describing their reasons:
Not bad picture of the happy experience in advertising Lehman Brothers and other securities 47 toxic substances, recommended as reliable, while the opposite was judged risky securities such as the status of BTP, the Italian Banking Association (ABI), which will be called to respond court casual advice on buying, real fraudulent deception, continued to forage a site, such as Patti Chiari, who had already closed the office, only if there a Bank of Italy and equally respectful of human rights, rather that the interests of bankers.
The financial education campaign sponsored by the Consortium Patti Chiari and nine consumer groups to bring the Italians to issues of economics and finance, through a dissemination of financial and web-based on spatial proximity: what financial education can expect citizens, savers and customers, from banks that do not comply with laws and ordinances, as the avoidance of blame Bersani Decree on subrogation, portability and symmetry of interest rates, which caused untold damage to families?
What ‘Open Doors to PattiChiari’ Abi speaking, when the associate banks continue to gain on variable rate mortgages rather than align the rates to the ECB’s operations with rates charged on loans to an average of 0.54% higher than the average of the rates charged by European banks and a + 1.10%, which lenders require Italians on personal loans and consumer credit, or when the banks continue to impose the “lace” the Commission found maximum, equal to 4 , 47% on an annual basis, which weigh the cost of credit, increased 45% over the year?
The Abi, instead of trying to shame Patti Chiari, an expensive and dispenser of invests more money confident that consumers and savers can believe the balderdash arrogant banks, who continue to commit fraud, as evidenced by the Lehman case and Madoff scandal last for 50 billion dollars, families and destroy the savings sweaty.
I fully reported the press release because I think there are words to be omitted. Adusbef hits a “hard face”, with dry but clear words, the novelty introduced by Patti Chiari and the entire banking system, most often guilty of having “avoided” the rules with harsh consequences to the detriment of the customer.
From the release it is clear one thing: “do not come to terms with the enemy.”
Adusbef is very angry with the ABI and does not believe that the pacts could help clear their clients.
Objectively the site contains many details, the reader will then have to implement those concepts than useless or you do not trust.
Patti is clearly only a project, based mainly (but not only) on knowledge and communication to the reader.
It’s always good to emphasize going beyond a first reading, but better to investigate the knowledge gained. Read only one opinion is always off-road, falling into error.
Internet in this case there is help with several sites and the possibility of bridging or even respond to our concerns.
Just make it a good use.
The insurance consultant dedicated Count
Recently we are developing several insurance companies that provide their services mainly online or via telephone.
The system has proven that it works, but creates a problem to the end user. Each time the operator with whom you speak will change and we need to summarize the situation to which we refer with considerable waste of time and misunderstandings.
The company Conte has created a solution to avoid this annoying problem. When called, a hard voice spoke through a number that enables us to choose the operator with which we speak are combined with an approval number. Through this solution the operator dedicated to continually manage our situation, without unnecessary changes in person.
The idea seems very good and we could extend not only to the insurance sector (where the consultant has spent much needed), but also to all those areas where we never know with whom we speak. It would also be a great way of creating an evaluation of the automatic selection of the best consultants and a higher quality service.
Guarantee fund for the anti-Liguria
Introducing the brand “quality to excellence ligurian craft”, the President of the Liguria region Burlando has made some statements.
In Italy will be allocated a fund anti-crisis (collateral) for the credit to all small / medium-sized craft enterprises.
Will be allocated 60 million euros according to the chairman, should help companies to leave the negative period in which they fall.
“Making a claim to craft healthy activities, said the President of Liguria Region, Burlando - that due to the difficulties in crisis have access to the interruption of a circular path. Use is set in motion a positive path that is not the economy, but an agreement between institutions and private craft to give them a hand. “
“For their stressed-Burlando-companies must do their part, qualifying products and the step taken by the new quality mark is a step in this direction.”
The measure could help to enlarge the coils close to the credit and thanks to this transfer of money from the region, dealers could only partially recover and make some investment to start the appropriate circle to a positive overall improvement (at least in the region) .
Euribor three months below 3%
The interbank rates continue to decline, reaching a value below 3%.
It is the least of the last two years and a half, but the rate decreases?
Tgfin also contains an interesting statement:
The same Lorenzo Bini Smaghi, a member of the Executive Board of the ECB, a few days ago said they believe the unjustified high spread rate of the European Central Bank.
“Banks can use the loans as collateral for refinancing with the ECB official rate. So do not justify the application of a higher spread for contracts coupled to the ECB rate. ” “In Europe - Bini Smaghi said - the credit is based on the banking system and banks are in good condition may return to financing the real economy. We must not however forget that the current crisis was caused by a phase of interest rates brought about very low levels for too long. ”
Why this waiting in the fall?
Now this is finished, but I think in 2009 we will see the improvements and will also be significant.
As for oil but the price drop down does not seem to me always equated to the speed of rise.
Perhaps my impression is only due to the fact that when you pull the strap each notch is always more painful, and to enlarge my case there.
We will see whether in practice in 2009 we have this significant decline.
Mutual aid from the fund for those in rented
It seems the tables are changing; perhaps even merit the Euribor falling, the fund of funds for variable rate loans, will be devoted to people who pay rent.
In this period were lots of simulations, but only after Christmas will take the decisions on who will return to these facilities.
Course includes social card holders by extending the category but also to those who have an income below 15,000 Euros or more children or elderly dependents.
However there were still no precise figures that give security, the next few days there should be new.
It hides a bitter toad for holders of fixed-rate mortgage, it seems almost certain that they will not be included to introduce remedial relief for borrowers with this type of rate.
I am rather puzzled by the lack of consideration towards this category of borrowers; even if they have a fixed rate does not avoid the crisis of this period.
I hope the measure will be amended to also include in their aid.
Continue advertising card payment
Last month we reported the insistent campaign to payment cards and it looks that this momentum is continuing.
This time with a new website www.ilverovantaggio.com is explained differently from the usual behavior, the benefits and security of payment cards.
I write “in a different way” because the site is published for cool videos that tell the adventures of a man who according to our choices will suffer the consequences.
Try, the outcome is obvious, but the idea is nice.
Within the press release of which carry over a part, are some care:
The initiative is part of the information campaign promoted by the more general PAGOBANCOMAT and Visa. Here are the tips, now available online, for a safe and proper use of credit cards.
Tips for using cards safely
When you receive:
- Signature immediately (if any) the paper on the back to make tampering more difficult, store your security code (PIN) and do not ever keep it together with the paper;
- If you choose or change your PIN, avoid a code easy to find (eg your date of birth);
- Type in your PIN, make sure there are no indiscreet glances of people who could memorize it.
At home:
- Keep your receipts and check your statement for any unauthorized charges;
- If you find an incorrect amount or a transaction that you have not done so, contact the bank;
- Bring with you the numbers to call in case of loss or theft of the card.
When the uses:
- When making purchases, always check the amount before you enter your PIN or sign a receipt paper;
- Make sure the operator will return the card with a copy of the receipt of payment;
- Never lose sight of your card at the time of payment.
In case of theft or loss:
- Now called the national number or international to immediately block the card;
- To report to the competent authorities and report the matter to your bank to initiate the practice of reimbursement.
Forex Market
A market experiencing rapid growth in the financial sector is undoubtedly one of the forex.
The forex is the trading of currencies for speculative purposes is an extremely liquid market, which is active 24 hours on 24 for 6 days a week, which attracts millions of traders from around the world.
To begin negotiations need not be financial guru or authorized agents, the forex is especially
online, thanks to platforms that enable brokers to easily activate the trade.
Obviously you need to know the techniques; we must be able to access and analyze the charts and know all the
terminology of the sector to operate successfully in the forex.
In addition to market currencies, there is a need for basic training on: the site
Forexpertutti.net find all the basics and news on the trends of the currencies and economy, to be slightly out of date.
Renegotiation of the loan, the results of the Convention ABI-Economics
Last week’s Abi has published the results of those who joined the famous renegotiation of the loan with the return of the installment to 2006.
The data of Abi are positive:
- 50,000 families
- the value of loans renegotiated by this mode is equal to over 5 billion euros
- contributed 92.22% of the banking system in terms of branches in the territory which have acceded to the Convention
- 2,000,000 customers informed
- 107,000 contacts maintained
- approximately 130,000 individual operations rescheduling carried out since 2007
- over 15,000 operations carried out by porting June 2008
These data, but the press release ends with a sentence including:
This means that from the beginning of the crisis in financial markets, approximately 195,000 families have found an appropriate solution to your loan by seizing the opportunities present on the market.
In my opinion they chose the least worst. Initially, the Bersani decree few banks wanted to follow the government
line, and then with some decisions, the escalation of the crisis and the arrival of further things have changed.
Data published by the measures used were created by the people, but the level of satisfaction of the latter has been or will be analyzed by someone?
How do we know if a solution solves a problem, if you do not ask who is facing?
