This parliamentary groups this process is the creation of the new Financial Client Defense Officer they are weighing punish for banks, insurers and securities companies they get more counterclaims by the organism. Therefore, they are assessing whether it would be possible for these organizations to have to. to contribute more more than others to finance The corpse, as confirmed to this newspaper by various sources. Not decided as it needs to be verified if it was legally possible It’s a formula that seems tempting to apply, however. to discourage beings that they have a worse behavior with their customers.
Definitely, the vice president of economics, Nadia Kalvinoopened this Thursday Change 250 euro rate claiming that although organizations are expected to fund the new entitlement, going to the organization continues free for those affected. “Financing the government is one of the issues on the agenda. led to more commentsOf course, these are issues that can come to the fore both in the parliamentary field and in the public sphere. handle it without problem This bill was ratified in Congress, “throughout its processing in parliament.
from different fields such as Bank of Spain waves financial employerssince April last year, the flat rate of 250 euros per accepted claim, perverted encouragementbecause businesses can accept any request below this amount as it will be cheaper for them, which wave of claims. “I believe in what our financial system and society are. mature enough when it comes avoid them abuse or dysfunctional conditions However, we can address this issue during the parliamentary process and improve the bill if necessary,” noted Calviño.
Governor’s Proposal
A few days ago in Congress, the governor Bank of Spain, Pablo Hernández de Cos warned parliamentary groups that the rate could lead to a pulling effect. “increasing conflict” Between customers and organizations. “A system where incentives are more in line with the goals of the bill – which we believe will happen as well. fits the concept of proportionalthough it will have to legally check– rate would be to do proportionate to the allegations against. Some of you have even suggested the possibility that it may also depend on quantities. On this basis, I think maybe more work can be done. idea of Penalizing negative claims and not just claims per se, it seems to me it will generate the incentives we all want.”
The idea was liked by several main groups, but see if it is compatible with public rate and price law In the Government’s opinion on the draft law, State Council He confirmed that the rate of 250 euros complies with the standard in question, but there are nuances. Therefore, he warned that this is something. “sui generis figure” because “one who is forced to pay gets nothing in return”. In addition, he expressed his doubts that he would adapt. proportionality principletherefore he advised the Economía that this “could and may even be possible”. suitablebring modulations in paying the rate when it comes to non-consumer customersso that they can assume partial payment even the full price
Whether it makes sense to have the same rate for groups is also on the table. claims for more individual collective. Likewise, Calviño showed his willingness to change other aspects of the bill. elimination of large companies may apply to the new authority, the use of which will be limited only to these. individuals, freelancers and SMEs. It has also shown the body’s willingness to strengthen the protection it will provide to people without health care. basic payment accountas well as creating channels Coordination between authorities and agencies regional consumption.
bookkeeping
On the other hand, the vice president gathered this Thursday seniors and bank employers announced as El Periódico de Catalunya from the group Prensa Ibérica (CECA, AEB and Unacc) engaged officially keep a savings book For customers over 65 and also a “permanent forum” for monitoring the plan to improve the financial inclusion of the elderly, the Spanish countryside plan, and the plan to help people with mortgages in distress. The bank also made a commitment. communicate “more proactively” The measures of this last plan are, in particular, the possibility of early repayment of the loan or changing from a fixed rate to a variable rate with no fees during this year.
As Calviño explains, the mortgage plan took some 9,000 requests Since its entry into force in January multiply by 15 Monthly average of code of good practices in effect since 2012, but still far from the more than one million potential beneficiaries identified by the Government. per month June will be one mortgage plan assessment identify possible improvements and in particular “review implementation thresholds in light of the evolution of interest rates, wages and other relevant variables”.