Latest news - May 2012

18/5/2012 - Discontent among bank customers
The mediator of the French Federation of Banks publishes an annual report on the requests for mediations received during one year. The 2011 "vintage" has just been released and it is not good: customer dissatisfaction has increased by 41% compared to the previous year! In his report, the mediator indicates the main reasons for the dissatisfaction of customers of banks and credit institutions. Credit operations come first, followed by the functioning of the bank account. On this last point, the closing of accounts "not completed within a reasonable time" seems to be a major problem. Payment incidents (bank overdraft, rejection of checks, etc.) are also on the increase, especially on joint accounts. Another subject, still relevant despite the many laws of recent years, the pricing of services with its incomprehensible fees and various commissions ... Note, complaints about savings are not left out, in particular "defects advice "or inappropriate sales.
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15/5/2012 - Contactless card ... but very "talkative"!
Articles extolling the merits of "contactless" payments by cards or by telephone are increasing. It is obvious that for a person making multiple small payments daily the benefit of not having contact can be a plus. Knowing that as soon as the sum of purchases exceeds 20 us dollars, you have to enter your code, everything seems secure ... This is not the opinion of Renaud Lifchitz who succeeded, without much difficulty, by investing 40 us dollars in an NFC USB reader, to hack contactless bank cards ... By simply placing his reader near the card he was able to obtain, in one second, the name and surname of the bearer, the number of the card, its date expiration date and the last purchases made! This demonstration was made in public and could be repeated indefinitely ... For the "tester" this shows that the system is not secure at all. He even repeated the operation using a transformed Android smartphone. The phone must simply be positioned near the pocket that contains the card without a card to retrieve the data ... The advice is simple ... in the metro, move away from all the people who have a phone in their hand!
Free bank card
10/5/2012 - Consumer credit rates increase ...
The Lagarde laws had 2 objectives in relation to revolving credit: to lower the number and lower the applied rate ... This dual objective has been achieved: the latest figures from the AFB show a 12% drop in revolving accounts opened between 2010 and 2011 and rates that exceeded 20% hardly exist any more: the average is around 18%. But, conversely, consumer loans see their rates soar. Personal loans over 24 months are no longer at 4% but at a minimum of 6.50%. Car loans that were above 5% are almost all at 7%. The largest increase affects the repurchases of consumer loans which rose from 6.90% to 9.30% ... These are however the most used loans by the less well-off households! Christine Lagarde wanted revolving credit rates to align with personal loan rates. This is what is happening, but to the detriment of the consumer.
Credit comparison
Lois Lagarde
7/5/2012 - Real estate credit, things are getting worse and worse ...
From January to April 2012, the production of mortgage loans fell by more than 30% compared to 2011. This is what emerges from a study by the Housing Credit Observatory / CSA. This 32.2% drop in production is causing a real earthquake in real estate agencies, whose number of transactions continues to decrease. According to Crédit Logement "The market is refocusing on a more affluent clientele with a growing personal contribution, to the detriment of young buyers in particular". Once again, it is therefore households with strong purchasing power who can still buy but without having recourse to credit. Blamed to explain this decrease, the disappearance of the tax credit of the Scellier laws but also the suppression of the PTZ + by the government. Same causes, same effects, since the poorest households can no longer access credit, it is the wealthiest households who can borrow ... and therefore over a shorter period. The average duration fell to only 200 months, that is to say 16.6 years, against 17.6 years in February 2012. Decrease in amounts, decrease in duration ... it is therefore logical to see the average rate decrease and arrive, fixed, at only 3.80%.
Real estate loan
Boursorama real estate loan at 3.66%
2/5/2012 - Boursorama: success is confirmed
Boursorama continues to grow in the online banking activity and performs slightly fewer brokerage transactions in the 1st quarter of 2012. Over this same period Boursorama indicates having opened 17,000 current accounts (with credit card) and more than 13 000 savings accounts. In this period of crisis some traditional banks would be happy to count so many new customers. Online banking also indicates that 15% of its customers connect with a smartphone or tablet. Overall, the audience of the Boursorama site has increased by 18% and has reached the rather staggering figure of 11.2 million visitors ... Quality online services, practical applications (and not gimmicks) and above all pricing extremely low make Boursorama a bank that has the wind in its sails.
Online banking comparison
Boursorama Bank

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