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by Published on 01-12-2011 06:21 PM Number of Views: 8758 Outrage at the Coalition’s failed ‘clampdown’ on unfair bank charges. (Each party has made an offical response to this article see the full story) On the 21st November, the Department for Business, Innovation and Skills (BIS) and HM Treasury published their response to the consumer credit elements of the Government’s Review of Consumer Credit and Personal Insolvency. They Claim that the Government has driven forward a voluntary agreement which will apply to all full-facility current accounts offered by the major banks, when they state: “Under the new agreement, over 85 per cent of personal current account customers will benefit from measures to make charges for unarranged overdrafts clearer, fairer and more manageable. This includes annual statements so that customers can see how much their account costs over the year. Consumers will have the option to receive alerts when their balance is low so that they can take action to avoid a charge; and they will no longer be charged for going-over their limit by a small amount”. They claim that this response builds on a number of Coalition commitments to increase transparency and help consumers make better financial decisions when borrowing money. Whilst this press release is good news on face value, the truth is that this does not build on the Coalition commitments at all. The Coalition gave an undertaking in their program for Government that it would bring in legislation to end unfair bank charges, it said: “We will introduce stronger consumer protections, including measures to end (my emphasis added) unfair bank and financial transaction charges.” The truth is, it has failed to deliver. The Coalition government and the OFT has let down the thousands of consumers(including many on benefits) who have for years been ripped off by banks and are still forced to live below the poverty line because of unlawful bank charges. Whilst we accept that the idea of a text message will help some consumers, the truth is it will not help the thousands on low incomes that cannot simply top up their accounts. All it will do for them is give them notice that they are about too ripped off again, it will not stop the spiral of debt these charges can and do cause.
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ag Líon na Radhairc: 8756 Outrage ag an Comhghuaillíochta theip 'clampdown' maidir le muirir bainc éagórach. (Tá gach páirtí déanta freagra oifigiúil airteagal seo a fheiceáil ar an scéal iomlán) Ar an 21 Samhain, d'fhoilsigh an Roinn Gnó, Nuálaíocht agus Scileanna (BIS) agus HM Treasury n fhreagra ar na gnéithe creidmheasa tomhaltóra Athbhreithnithe an Rialtais ar Chreidmheas do Thomhaltóirí agus Dócmhainneachta Pearsanta. Éileamh siad go bhfuil an Rialtas comhaontú deonach a bheidh i bhfeidhm do gach cuntais reatha lán-áis ar fáil ag na bainc mhóra, nuair a luaigh siad a bhrú ar aghaidh: "Faoin gcomhaontú nua, beidh níos mó ná 85 faoin gcéad de na custaiméirí cuntas reatha pearsanta tairbhiú de bhearta chun muirir i leith rótharraingtí unarranged níos soiléire, níos cothroime agus níos soláimhsithe a dhéanamh. Áirítear anseo ráitis bhliantúla ionas gur féidir le custaiméirí a fheiceáil cé mhéad a gcostais gcuntas i rith na bliana. Beidh tomhaltóirí an rogha chun fógraí a fháil nuair a bhíonn a n-iarmhéid íseal ionas gur féidir leo gníomhú a sheachaint muirear; agus beidh siad a mhuirearú a thuilleadh chun dul thar n-teorainn-ag méid beag ". Éileamh siad go gcuireann an fhreagairt ar roinnt tiomantas Coalition trédhearcacht a mhéadú agus cuidiú le tomhaltóirí cinntí eolasacha airgeadais níos fearr ar airgead a fháil ar iasacht nuair a. Cé go bhfuil press release dea-scéal ar luach aghaidh, is é an fhírinne nach mbaineann sé seo leis na geallúintí a Chomhghuaillíocht ar chor ar bith. Thug an Comhrialtas gealltanas ina gclár don Rialtas go mbeadh sé a thabhairt sa reachtaíocht chun deireadh a táillí bainc éagórach, a dúirt sé: "Tabharfaimid isteach cosaintí tomhaltóirí níos láidre, lena n-áirítear bearta chun deireadh (Mo bhéim curtha leis) bainc éagórach agus muirir idirbhirt airgeadais. " (Alt 5): Is í an fhírinne, gur mhainnigh sé a sheachadadh. Tá an rialtas Comhrialtas agus an OFT ligean síos na mílte tomhaltóirí (lena n-áirítear go leor ar an sochar) a bhfuil ar feadh na mblianta sracadh amach ag bainc agus tá iallach fós chun maireachtáil faoi bhun na líne bochtaineachta de bharr táillí neamhdhleathacha bhainc. Cé glacadh againn go mbeidh an smaoineamh maidir le teachtaireacht téacs cabhrú le roinnt tomhaltóirí, is é an fhírinne nach mbeidh sé cabhrú na mílte ar ioncam íseal nach féidir a barr suas go simplí a gcuid cuntas. Gach beidh sé a dhéanamh dóibh go bhfuil a thabhairt dóibh faoi deara go bhfuil siad faoi freisin sracadh amach arís, ní bheidh sé stop a chur leis bíseach an fhiachais féidir na muirir agus cúis a dhéanamh. ...