This parliamentary groups Those processing the creation of the new Financial Client Defense Authority agreed this Tuesday punish for banksinsurers, brokerage firms and other financial companies that buy more counterclaims by the organism. HE PSOE – in coordination with Ministry of Economy– spearheaded an agreement to promote change The government needs to contribute to the project so that these organizations more than others. finance the body.
The initiative consists of: Change 250 euro rate with the claim that organizations are expected to fund the new entitlement, but it is not necessary to go to the organization free for those affected. Like this 40% of operating cost institution will be distributed proportionally. the number of receivables resolved from each financial institution according to the total receivables resolved, remaining 60% will be distributed proportionally to the number of opinions in favor of the plaintiffs Each organization based on the total number of decisions in favor of customers. The annual amount of global temporary income will be estimated, which will liquidate definitely in the month April of the following yearAfter the exact expenses of the institution are determined.
Another important aspect of the project that was agreed upon Change someone access to the courts. In government project, organizations and customers, appeal against decisions through the institution or contentious-administrative before national audience in case of binding or by civil means in non-binding cases. there were doubts about him legal reserveThe General Assembly for the Judiciary (CGPJ) and Financial Counciland eventually they will all civil solutions through a procedure abbreviated and primarily by written.
20,000 left
Also, traded improvements in the regulations basic payment accounts (that institutions are obliged to give to vulnerable groups such as non-resident immigrants). Instead, and with the exception of last minute changes, finally won’t be lower the amount requested under which the new authority’s decisions will be binding on organizations (not customers). The government bill determines that 20.000 €surrounding 95% of claims and in principle this will be left on the threshold, although talks have been made in recent weeks to lower it.
economic committee of the lower house will meet again this thursday meet and vote recent changes gives the green light to the project that remains open and will be voted on in principle. congress general assembly next week. then he will go Senate and if changes are made in this room, the text will return to Congress for final approval. The Ministry of Economy is confident that it will give the final green light to the creation of the Institution. before summer.
controversial rate
Nadia Calviño, vice president of economics, has already started changing interest rates since the beginning of March. generated doubts with regard to compliance public rate and price law 1989. From different fields – for example Bank of Spain, CGPJ or financial employers– a flat rate of 250 euros per accepted claim since April last year, perverted encouragementbecause businesses can accept any request below this amount as it will be cheaper for them, which wave of claims.
In fact, the opposition joined forces a few weeks ago to lower the rate. For this reason, PP, PNV, Cs, Junts and PdeCat they insisted reduce it to 100 to 50 eurosIn addition to proposing different formulas, depending on the situation, organizations do not have to pay all or part of the fee if the new institution agrees with them and decides against the customer. PSOE and United We Can They didn’t initially make any proposals for the change, but it was a strategy not to reveal their cards in light of the change negotiations to be concluded this week.