Indebtedness: two new measures
With the revolving credit (*) "There are thousands of jobs in the key." Despite the suggestions of the Opposition, the Minister of Economy will not eliminate the revolving credit (revolving). However Christine Lagarde, who will visit on Monday a committee of indebtedness of Saint-Denis, has developed two new measures that will fit his bill for reform of consumer credit. This project ensures Does the Journal du Dimanche, "provides safeguards to the consumer." A necessity when the number of cases of indebtedness has increased by 17% since January
Christine Lagarde will enable all households unable to access debt commissions and courts, even those who "could sell their property to clear their accounts.The minister also wants to prohibit the practice by which banks charge interest so-called "infill" to households that have yet managed to get out of debt.
The action group has suspended recovery
In the columns of the weekly Sunday, the minister has long defended the revolving credit against which the member Fran?ois PS Brottes will file a bill to ban. "Credit is useful and necessary. Ban can also be dangerous: 40% of purchases by mail at La Redoute or three Swiss are settled with revolving credit cards, "said Christine Lagarde. "I prefer to make responsible lending, rather than deleting it. Therefore the bill will impose a more rapid repayment of revolving credit. It will also require the consumer specifically requests that its loyalty card is used to credit.Currently it is automatic.
On group actions, Christine Lagarde is also reserved. She does not want "now" allow "action group" (along the lines of class actions U.S.) that would allow consumers to capture collective justice. It considers companies "are already hard hit by the crisis." "When the recovery gets, it's time to reflect on group actions," she promises.
The bill to reform consumer credit, which has already been adopted in June by the Senate is scheduled to arrive in late December before the National Assembly to be finally passed in early 2010.
(*) The revolving or revolving credit is a form of credit, often accompanied by a credit card, of making available to a consumer a sum of money in a quasi-permanent.As and when payments from the borrower, the allocation of credit is granted is renewed.
"PORTRAIT – Christine Lagarde, the joker from Sarkozy
"INTERVIEW -" We give credit revolving importance it did not really "