tag:blogger.com,1999:blog-72077857413660637162024-03-19T01:08:14.061-07:00Un renseignement, une question 06 08 85 35 47Blog des Editions LuthenayUnknownnoreply@blogger.comBlogger2003125tag:blogger.com,1999:blog-7207785741366063716.post-12802629407146764222024-03-15T10:04:00.000-07:002024-03-15T10:05:41.459-07:00Dénoncez votre banque auprès de la répression des fraudes, elle sait pourquoi<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi1K9ki9QSfLyKVwGSi-X1gLcj8VnPncJeRzl0t6ijZspFQEE4CT1YtokeQe0H1_YkxHnSGp1ZmPBmqTRmpO3M6w4okZGMo4pSeJ9CUhCfrXdWP0zrQluiN_MR2lZw2EyHhIJgGtjGUQNEv9Ne1xAMJnDARgg80-hhQikVYXLSmHd-hokJdTnOdWZJS0TM/s299/images.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="168" data-original-width="299" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi1K9ki9QSfLyKVwGSi-X1gLcj8VnPncJeRzl0t6ijZspFQEE4CT1YtokeQe0H1_YkxHnSGp1ZmPBmqTRmpO3M6w4okZGMo4pSeJ9CUhCfrXdWP0zrQluiN_MR2lZw2EyHhIJgGtjGUQNEv9Ne1xAMJnDARgg80-hhQikVYXLSmHd-hokJdTnOdWZJS0TM/w400-h225/images.jpg" width="400" /></a></div><br /><p></p><p class="MsoNormal"><span style="font-family: "Georgia",serif; font-size: 11pt;"><br /></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Les services de la répression des fraudes de
Nanterre ont récemment sanctionné la Société Générale pour « pratiques
commerciales frauduleuses » dans le fait qu’il y avait une « erreur
de programmation » dans le logiciel chargé de calculer et d’afficher le
TAEG (taux annuel effectif global) des découverts en compte. <br /></span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">L’erreur venait du fait que les « commissions
d’intervention », qui rémunèrent la décision d’accorder un découvert ponctuel,
n’étaient pas inclus dans les calculs du TAEG. Ainsi, le TAEG porté à la
connaissance du client était très nettement inférieur au TAEG réel. <br /></span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Comme pour la Société Générale, la programmation
de l’algorithme du logiciel est mauvaise puisqu’elle exclue des calculs du TAEG,
l’élément important que sont les frais fixes liés aux découverts, comme les
commissions d’intervention. <br /></span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">En privant ainsi le client de cet élément de
comparaison essentiel sur le coût des découverts, la banque le privait d’une
information qui l’aurait très certainement incité à changer de banque ou de fonctionnement. <br /></span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">C’est en cela qu’il s’agit d’une pratique
commerciale trompeuse.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"> <span style="font-family: "Georgia", serif;"><br /></span></span></p>
<p align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: large;"><b><span style="font-family: "Georgia", serif;">Les commissions<span> </span>d‘intervention</span></b><span style="font-family: "Georgia", serif;"> </span><span style="color: #222222; font-family: "Georgia",serif; mso-bidi-font-family: Arial; mso-fareast-language: FR;"> <br /></span></span></p>
<div style="background: rgb(217, 217, 217); border: 1pt solid windowtext; margin-left: -14.2pt; margin-right: 0cm; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-element: para-border-div; padding: 1pt 4pt;">
<p align="center" class="MsoNormal" style="background: rgb(217, 217, 217); border: medium; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm; text-align: center;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia", serif;">L’obligation pour la banque d’afficher
le TAEG</span></span></p>
</div>
<p class="MsoNormal" style="background: white;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="background: white; text-align: justify;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia", serif;">Le client bénéficiant de découverts sur
son compte a le droit d’en connaître le coût et le taux inhérent.</span></span></p>
<p class="MsoNormal" style="background: white; text-align: justify;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia", serif;">Le coût se compose d’une partie
proportionnelle, les intérêts, à laquelle s’ajoute les frais fixes liés au
découvert, notamment ceux rémunérant son étude.</span></span></p>
<p class="MsoNormal" style="background: white; text-align: justify;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia", serif;">Le coût global est exprimé par un taux,
le taux annuel effectif global TAEG. </span></span></p>
<p class="MsoNormal" style="background: white; text-align: justify;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia", serif;">La banque a l’obligation légale
d’afficher le TAEG sur tous documents évoquant ces découverts.</span></span></p>
<p class="MsoNormal" style="background: white; text-align: justify;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="background: white; text-align: justify;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia", serif;"> </span></span></p>
<div style="background: rgb(217, 217, 217); border: 1pt solid windowtext; margin-left: -14.2pt; margin-right: 0cm; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-element: para-border-div; padding: 1pt 4pt;">
<p align="center" class="MsoNormal" style="background: rgb(217, 217, 217); border: medium; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm; text-align: center;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia", serif;">Programmation du logiciel chargé
d’afficher ce TAEG</span></span></p>
</div>
<p class="MsoNormal" style="background: white;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia",serif; mso-bidi-font-family: Arial; mso-fareast-language: FR;"> </span></span></p>
<p class="MsoNormal" style="background: white; text-align: justify;"><span style="font-size: large;"><b><span style="color: #222222; font-family: "Georgia", serif;">Calcul des intérêts proportionnels</span></b><u><span style="color: #222222; font-family: "Georgia", serif;">.</span></u><span style="color: #222222; font-family: "Georgia", serif;"> Sur une période donnée, l’algorithme du programme
prend en compte les montants, les durées et le taux nominal défini par la
banque. Il calcule les intérêts selon la méthode hambourgeoise. </span></span></p>
<p class="MsoNormal" style="background: white; text-align: justify;"><span style="font-size: large;"><b><span style="color: #222222; font-family: "Georgia", serif;">Calcul des frais fixes.</span></b><span style="color: #222222; font-family: "Georgia", serif;"> Le programme doit repérer et
additionner les frais liés aux découverts, notamment ceux rémunérant la
décision de les accorder, libellés sous le vocable de « commissions
d’intervention ». </span></span></p>
<p class="MsoNormal" style="background: white; text-align: justify;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia",serif; mso-bidi-font-family: Arial; mso-fareast-language: FR;"> </span></span></p>
<p class="MsoNormal" style="background: white; text-align: justify;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia",serif; mso-bidi-font-family: Arial; mso-fareast-language: FR;"> </span></span></p>
<div style="background: rgb(217, 217, 217); border: 1pt solid windowtext; margin-left: -14.2pt; margin-right: 0cm; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-element: para-border-div; padding: 1pt 4pt;">
<p align="center" class="MsoNormal" style="background: rgb(217, 217, 217); border: medium; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm; text-align: center;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia", serif;">Pourquoi et comment la banque a faussé
les calculs ?</span></span></p>
</div>
<p class="MsoNormal" style="background: white;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia",serif; mso-bidi-font-family: Arial; mso-fareast-language: FR;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia", serif;">Les frais liés aux études et accords de découverts
n’ont pas de libellés spécifiques et se retrouvent noyés sous l’appellation
générique de « commissions d’intervention ».</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia", serif;">Avant 2008, la banque isolait les frais liés aux
découverts sous le terme « Frais de forçage ».</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia", serif;">En 2008, un arrêt de cassation rappelle l’obligation
de prendre en compte ces « frais de forçage » dans le calcul du TAEG.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia", serif;">Afin de se soustraire à cette obligation, les banques
ont programmé l’algorithme de telle sorte qu’il ne puisse pas repérer ces frais.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia", serif;">Il s’agit d’une manipulation volontaire du programme
faussant le résultat.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia", serif;">La manipulation de l’algorithme du logiciel permet
d’afficher un TAEG nettement inférieur au TAEG réel.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="color: #222222; font-family: "Georgia", serif;"> </span></span></p>
<div style="background: rgb(217, 217, 217); border: 1pt solid windowtext; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-element: para-border-div; padding: 1pt 4pt;">
<p align="center" class="MsoNormal" style="background: rgb(217, 217, 217); border: medium; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm; text-align: center;"><span style="font-size: large;"><span style="color: black; font-family: "Georgia", serif;">Que rémunèrent les commissions
d’intervention ?</span><span style="font-family: "Georgia", serif;"></span></span></p>
</div>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="background: lime; font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Le comité consultatif du secteur financier (CCSF)
a défini ce terme.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify;"><span style="font-size: large;"><i><span style="font-family: "Georgia", serif;">« Somme perçue par la banque en raison d’une opération
entraînant une irrégularité de fonctionnement du compte nécessitant un
traitement particulier (présentation d’un ordre de paiement irrégulier,
coordonnées bancaires inexacte, absence ou insuffisance de provision…). » </span></i></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia",serif; mso-bidi-font-weight: bold;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia",serif; mso-bidi-font-weight: bold;"> </span></span></p>
<div style="background: rgb(217, 217, 217); border: 1pt solid windowtext; margin-left: -14.2pt; margin-right: 0cm; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-element: para-border-div; padding: 1pt 4pt;">
<p align="center" class="MsoNormal" style="background: rgb(217, 217, 217); border: medium; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm; text-align: center;"><span style="font-size: large;"><span style="color: black; font-family: "Georgia", serif;">Travail justifiant la commission d’intervention sous-catégorie
frais de forçage.</span><span style="font-family: "Georgia", serif;"></span></span></p>
</div>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia",serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">A la différence des pénalités, les commissions
d’intervention impliquent, comme leur nom l’indique, une intervention physique
concrète fournie par l’agent de la banque. </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Pour reprendre la définition officielle, c’est <i>« en
cas de présentation d’une écriture en l’absence ou insuffisance de provision ».</i>Ce
travail d’étude d’une « demande tacite de crédit » nécessite
d’analyser et de considérer tous les éléments du dossier en les combinant entre
eux, pour répondre à une question : </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<div style="border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; mso-element: para-border-div; padding: 1pt 4pt;">
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm; text-align: justify;"><span style="font-size: large;"><b><i><span style="font-family: "Georgia", serif;">« vais-je prêter à ce
client la somme qui lui manque sur son compte pour que le service caisse puisse
honorer une écriture. »</span></i></b></span></p>
</div>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Il s’agit d’une travail intellectuel par
opposition au travail mécanique fourni par le service Caisse et qui donne lieu
notamment, à des « frais de refus », « frais de
déclaration », « frais d’envoi de lettres », etc.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Il va mener une étude comme pour n’importe quel
crédit. Dans ce cas, vu les petits montants et la connaissance du client, cette
étude ne va durer que peu de temps mais reste une étude d’un crédit.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">S’il accorde le « prêt » au client, il
va « autoriser » le découvert. L’écriture repasse au « Service
de Caisse ». Maintenant la provision existe et l’écriture est honorée.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Le banquier « Service de Crédit » va se
rémunérer pour ce travail d’investigation. Il facturera une « commission
d’intervention ». <u>Celle-ci alourdira le coût des découverts et le taux
annuel effectif global (TAEG) augmentera mécaniquement.</u></span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia",serif;"> </span></span></p>
<div style="background: rgb(217, 217, 217); border: 1pt solid windowtext; margin-left: -14.2pt; margin-right: 0cm; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-element: para-border-div; padding: 1pt 4pt;">
<p align="center" class="MsoNormal" style="background: rgb(217, 217, 217); border: medium; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm; text-align: center;"><span style="font-size: large;"><span style="color: black; font-family: "Georgia", serif;">Pourquoi les banques sont passées du terme « frais de
forçage » à « frais d’intervention » ?</span><span style="font-family: "Georgia", serif;"></span></span></p>
</div>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia",serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Le 5 février 2008, un arrêt de la Cour de
Cassation considère que les « frais de forçage » augmentent le coût
des découverts. La banque doit l’intégrer dans le calcul du taux annuel
effectif global (TAEG) exprimant le rapport proportionnel entre le coût, la
durée et les montants de découverts.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify;"><span style="font-size: large;"><i><span style="font-family: "Georgia", serif;">Cour de cassation chambre
commerciale</span></i></span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify;"><span style="font-size: large;"><i><span style="font-family: "Georgia", serif;">Audience publique du 5
février 2008</span></i></span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify;"><span style="font-size: large;"><i><span style="font-family: "Georgia", serif;">N° de pourvoi :
06-20783</span></i></span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify;"><span style="font-size: large;"><i><span style="font-family: "Georgia", serif;">Publié au bulletin</span></i></span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify;"><span style="font-size: large;"><i><span style="font-family: "Georgia", serif;">Cassation partielle</span></i></span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify;"><span style="font-size: large;"><i><span style="font-family: "Georgia", serif;">Viole les articles 1134 et
1907 du code civil, ensemble l’article L. 313-1 du code de la consommation, la
cour d’appel qui, « pour exclure de l’assiette du taux effectif global les
frais prélevés par une banque à l’occasion de chaque opération effectuée
au-delà du découvert autorisé, au moyen d’une carte bancaire, retient que ces
frais sont distincts de l’opération de crédit proprement dite que constitue le
découvert et constituent la rémunération d’un service offert par la banque pour
permettre d’honorer une transaction, alors que la rémunération d’une telle
prestation n’est pas indépendante de l’opération de crédit complémentaire
résultant de l’enregistrement comptable d’une transaction excédant le découvert
autorisé. »</span></i></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">L’intégration des commissions dans le calcul du TAEG
est d’ailleurs prévu par la loi.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="margin-left: 1cm;"><span style="font-size: large;"><i><span style="font-family: "Georgia", serif;">L’article L314-1 du code
de la consommation précise :</span></i></span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify;"><span style="font-size: large;"><i><span style="background: white; color: black; font-family: "Georgia", serif;">Dans tous les cas, pour la détermination du taux effectif global du
prêt, comme pour celle du taux effectif pris comme référence, sont ajoutés aux
intérêts les frais, les taxes, <u>les commissions ou rémunérations de toute
nature, directs ou indirects, supportés par l'emprunteur</u> et connus du
prêteur à la date d'émission de l'offre de crédit ou de l'avenant au contrat de
crédit, ou dont le montant peut être déterminé à ces mêmes dates, et qui
constituent une condition pour obtenir le crédit ou pour l'obtenir aux
conditions annoncées.</span></i><i><span style="font-family: "Georgia", serif;"></span></i></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia",serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Le code du commerce impose pourtant que chaque
facture soit détaillée et décrive le service rendu.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="margin-left: 1cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">l’article L 441-3 </span><span style="font-family: "Georgia", serif;">du code du commerce</span></span></p>
<p class="MsoNormal" style="background: white; margin-left: 1cm;"><span style="font-size: large;"><i><span style="color: black; font-family: "Georgia", serif;">« La
facture doit mentionner…, la date de la vente ou de la prestation de service,
la quantité, la dénomination précise, et le prix unitaire hors TVA des produits
vendus et des services rendus … » </span></i><i><span style="font-family: "Georgia", serif;"></span></i></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia",serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia",serif;"> </span></span></p>
<div style="background: rgb(217, 217, 217); border: 1pt solid windowtext; margin-left: -14.2pt; margin-right: 0cm; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-element: para-border-div; padding: 1pt 4pt;">
<p align="center" class="MsoNormal" style="background: rgb(217, 217, 217); border: medium; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm; text-align: center;"><span style="font-size: large;"><span style="color: black; font-family: "Georgia", serif;">Comment les banques ont abusé la justice
en utilisant le terme « commission d’intervention ».</span><span style="font-family: "Georgia", serif;"></span></span></p>
</div>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia",serif; mso-bidi-font-weight: bold;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Les avocats ont mis en
avant l’ambiguïté du terme « commission d’intervention » en utilisant
la définition officielle.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Un arrêt de la
« cour de cassation » du 22 mars 2012 dit « Les commissions
d’intervention, qui ne sont pas liées au découvert, n’entrent pas dans le
calcul du TEG »</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia",serif; mso-bidi-font-weight: bold;"> </span></span></p>
<p class="MsoNormal" style="margin-left: 1cm; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Cour de
cassation </span></span></p>
<p class="MsoNormal" style="margin-left: 1cm; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> chambre
civile 1 </span></span></p>
<p class="MsoNormal" style="margin-left: 1cm; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> Audience
publique du 22 mars 2012 </span></span></p>
<p class="MsoNormal" style="margin-left: 1cm; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> N° de pourvoi
: 11-10199 </span></span></p>
<p class="MsoNormal" style="margin-left: 1cm; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> Non publié
au bulletin</span></span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify;"><span style="font-size: large;"><i><span style="font-family: "Georgia", serif;">« que
ces commissions sont prélevées non seulement lorsque la décision est prise par
la banque d’honorer l’opération, mais aussi lorsqu’elle refuse de passer
l’opération ; qu’elles rémunèrent donc un service facturé aux conditions
indiquées dans la convention tarifaire applicable aux parties ; que ces
commissions d’intervention, qui ne sont pas liées à l’opération de crédit,
n’entrent pas dans le calcul du TEG et, par conséquent, n’entraînent pas un
taux usurier »</span></i><i><span style="font-family: "Georgia", serif;"></span></i></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia",serif; mso-bidi-font-weight: bold;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">le corolaire de cette
phrase : « Les commissions d’intervention, qui sont liées au
découvert, entrent dans le calcul du TEG »</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">La cour de cassation a
d’ailleurs rectifié cet arrêt par celui du 8 janvier 2013 : « il
appartient au juge de savoir ce que recouvre le terme « commission
d’intervention ».</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia",serif; mso-bidi-font-weight: bold;"> </span></span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify;"><span style="font-size: large;"><i><span style="font-family: "Georgia", serif;">Cour de cassation, Chambre
commerciale, Arrêt nº 6 du 8 janvier 2013, Pourvoi nº 11-15.476 Nº de Arrêt : 6
Nº de Pourvoi: 11-15.476 Juridiction: Judiciaire RESPONSABILITÉ DE LA BANQUE.</span></i></span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify;"><span style="font-size: large;"><i><span style="font-family: "Georgia", serif;">« Il appartient au juge de
rechercher si la commission d’intervention constitue le prix d’un service lié à
la tenue du compte des clients ou un service de caisse, distinct d’un crédit de
sorte qu’elle ne constituerait pas la contrepartie de ce crédit. »</span></i></span></p>
<p class="MsoNormal"><span style="font-size: large;"><span style="font-family: "Georgia",serif;"> </span></span></p>
<p class="MsoNormal"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">La
ligne de défense de la banque est : les commissions d’intervention ne sont
pas incluses dans le calcul du TAEG. C’est une affirmation qui nie l’évidence
et que les banquiers sont incapables d’expliquer.</span></span></p>
<p class="MsoNormal"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<div style="background: rgb(217, 217, 217); border: 1pt solid windowtext; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-element: para-border-div; padding: 1pt 4pt;">
<p align="center" class="MsoNormal" style="background: rgb(217, 217, 217); border: medium; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm; text-align: center;"><span style="font-size: large;"><span style="color: black; font-family: "Georgia", serif;">Le libellé a été réglementé pour que le client puisse comparer les
coûts avec d’autres établissements.</span><span style="font-family: "Georgia", serif;"></span></span></p>
</div>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="font-family: "Georgia", serif;">Cette « intervention » correspond à la
rémunération d’un examen particulier de la situation du compte nécessité par la
présentation d’une opération en l’absence d’une provision préalable et
disponible et ayant pour objet d’accorder ou non un découvert permettant à
l’opération d’être honorée.</span></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Cette « commission d’intervention »,
alourdit naturellement le coût des découverts et en augmente mécaniquement le
taux effectif global.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Du fait de cette infraction et dans le cadre de sa
comptabilité analytique, le client n’est plus en mesure de connaître le coût de
ses découverts.</span></span></p>
<p class="MsoNormal"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<div style="background: rgb(217, 217, 217); border: 1pt solid windowtext; margin-left: -14.2pt; margin-right: 0cm; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-element: para-border-div; padding: 1pt 4pt;">
<p align="center" class="MsoNormal" style="background: rgb(217, 217, 217); border: medium; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm; text-align: center;"><span style="font-size: large;"><span style="color: black; font-family: "Georgia", serif;">Liste non exhaustive des arguments repris dans les conclusions
des<span> </span>banques et réponses</span><span style="font-family: "Georgia", serif;"></span></span></p>
</div>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="margin-left: -14.2pt; text-align: justify;"><span style="font-size: large;"><b><i><span style="font-family: "Georgia", serif;">« Les frais de forçage sont différents des
commissions d’intervention »</span></i></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><u><span style="font-family: "Georgia", serif;"><span style="text-decoration: none;"> </span></span></u></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="font-family: "Georgia", serif;">Notre
réponse. : </span></b><span style="font-family: "Georgia", serif;">Non,
ces appellations recouvrent la même réalité : la rémunération de la
décision d’accorder un découvert. </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Le terme « frais de forçage » a été
utilisé jusqu’en février 2008. Un arrêt de cassation a condamné les banques
reconnaissant ainsi que ces frais alourdissaient le coût des découverts.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Pour contourner cette jurisprudence, les banques
ont alors utilisé le terme générique « commission d’intervention ». Celui-ci
regroupe des frais de natures différentes sans que la banque en fournisse le
détail. </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Les juges ne s’y sont pas trompés. Un arrêt de
cassation du 8 janvier 2013 précise <i>« </i></span><i><span style="color: #333333; font-family: "Georgia", serif;">Il appartient au
juge de rechercher si la commission litigieuse constitue le prix d'un service
lié à la tenue du compte des clients ou un service de caisse, distinct d'un
crédit, de sorte qu'elle ne constituerait pas la contrepartie de ce crédit.</span></i><i><span style="color: #333333; font-family: "Georgia", serif;"> »</span></i><i><span style="font-family: "Georgia", serif;"></span></i></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">D’évidence, les deux termes recouvrent la même
réalité et le même travail effectué.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="margin-left: -14.2pt; text-align: justify;"><span style="font-size: large;"><b><i><span style="font-family: "Georgia", serif;">« La banque évoque un incident de
paiement »</span></i></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><u><span style="font-family: "Georgia", serif;"><span style="text-decoration: none;"> </span></span></u></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="font-family: "Georgia", serif;">Notre
réponse</span></b><span style="font-family: "Georgia", serif;">. </span><span style="font-family: "Georgia", serif;">La banque évoque souvent le terme « incident de
paiement. » Celui-ci est impropre.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Si l’écriture est honorée du fait de l’accord d’un
crédit ponctuel, il n’y a pas d’incident de paiement.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Si elle refuse ce crédit ponctuel, il y a incident
de paiement entre le client et le bénéficiaire, mais la banque n’est pas
concernée.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><u><span style="font-family: "Georgia", serif;"><span style="text-decoration: none;"> </span></span></u></b></span></p>
<p class="MsoNormal" style="margin-left: -14.2pt; text-align: justify;"><span style="font-size: large;"><b><i><span style="font-family: "Georgia", serif;">« C’est un découvert non autorisé »</span></i></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><u><span style="font-family: "Georgia", serif;"><span style="text-decoration: none;"> </span></span></u></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="font-family: "Georgia", serif;">Notre
réponse</span></b><span style="font-family: "Georgia", serif;">.</span><b><span style="font-family: "Georgia", serif;"> </span></b><span style="font-family: "Georgia", serif;">Comment parler de
découvert non autorisé pour un découvert que la banque vient d’autoriser. Ce
terme est une ineptie.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">En fait, le terme exact est <span>« découvert non contractualisé ».
Cette</span> approximation de langage provient d’une mauvaise habitude qui est
aujourd’hui passée dans le jargon bancaire.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="margin-left: -14.2pt; text-align: justify;"><span style="font-size: large;"><b><i><span style="font-family: "Georgia", serif;">« Le client est lié par la signature de la convention
de compte »</span></i></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><i><u><span style="font-family: "Georgia", serif;"><span style="text-decoration: none;"> </span></span></u></i></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="font-family: "Georgia", serif;">Notre
réponse</span></b><span style="font-family: "Georgia", serif;">.</span><span style="font-family: "Georgia", serif;"> Souvent les conventions de compte précisent qu’en cas
d’absence de provision, la banque <u><span>« peut »</span></u>
étudier la possibilité d’autoriser un découvert supplémentaire. </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Le client ne conteste nullement cet engagement. Et
demander tacitement un découvert à sa banque n’est pas proscrit dans la
convention de compte.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="margin-left: -14.2pt; text-align: justify;"><span style="font-size: large;"><b><i><span style="font-family: "Georgia", serif;">« Les frais sont conformes avec la grille
tarifaire »</span></i></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><u><span style="font-family: "Georgia", serif;"><span style="text-decoration: none;"> </span></span></u></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="font-family: "Georgia", serif;">Notre
réponse. </span></b><span style="font-family: "Georgia", serif;">Le
fait que les tarifs soient annoncés dans la grille tarifaire et acceptés par le
client ne change en rien la question. C’est leur montant qui pose un problème,
pas leur existence. Ce qui est en question c’est le coût du découvert, pas les
tarifs des commissions. En tout cas, le client ne conteste ni les tarifs, ni la
connaissance qu’il a de ceux-ci.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="margin-left: -14.2pt; text-align: justify;"><span style="font-size: large;"><b><i><span style="font-family: "Georgia", serif;">« Les banques se réfèrent à deux avis
ministériels »</span></i></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><u><span style="font-family: "Georgia", serif;"><span style="text-decoration: none;"> </span></span></u></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="font-family: "Georgia", serif;">Notre
réponse.</span></b><span style="font-family: "Georgia", serif;">
Les banques se réfèrent à deux réponses ministérielles de 2011 décrétant
arbitrairement que <span>les commissions
d’intervention ne rentrent pas dans le calcul du TAEG. </span></span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Une réponse ministérielle n’est ni une loi, ni une
jurisprudence<span> et le</span> ministre de
l’économie précise bien <b>« </b>Sous
réserves de l’appréciation souveraine du tribunal.<b> »</b></span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Ces deux réponses ne peuvent être utilisées dans
un procès où les faits sont établis et reconnus. </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Aucun ministre ne peut décider que deux plus deux
font autre chose que quatre.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="margin-left: -14.2pt; text-align: justify;"><span style="font-size: large;"><b><i><span style="font-family: "Georgia", serif;">«C’’est le client qui a un comportement fautif ».</span></i></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><u><span style="font-family: "Georgia", serif;"><span style="text-decoration: none;"> </span></span></u></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="font-family: "Georgia", serif;">Notre
réponse. </span></b><span style="font-family: "Georgia", serif;">Si
le client émet des chèques alors qu’il n’a pas la provision, il est en faute
par rapport au bénéficiaire. La banque n’est que mandataire des paiements et
n’est pas concernée. Le cas échéant, c’est le client qui aura à répondre devant
la justice.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="margin-left: -14.2pt; text-align: justify;"><span style="font-size: large;"><b><i><span style="font-family: "Georgia", serif;">« C’est une situation anormale »</span></i></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><u><span style="font-family: "Georgia", serif;"><span style="text-decoration: none;"> </span></span></u></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="font-family: "Georgia", serif;">Notre
réponse</span></b><span style="font-family: "Georgia", serif;">.</span><span style="font-family: "Georgia", serif;"> Pour justifier sa tarification, la banque peut évoquer un
fonctionnement anormal du compte. L’expression est impropre. Emettre un ordre
de paiement sans qu’il y ait provision revient à demander un crédit tacite à sa
banque. Ceci n’est pas anormal, c’est même la raison d’être du banquier.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="margin-left: -14.2pt; text-align: justify;"><span style="font-size: large;"><b><i><span style="font-family: "Georgia", serif;">« La banque fustige la mauvaise gestion du
client »</span></i></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><u><span style="font-family: "Georgia", serif;"><span style="text-decoration: none;"> </span></span></u></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="font-family: "Georgia", serif;">Notre
réponse</span></b><span style="font-family: "Georgia", serif;">.</span><span style="font-family: "Georgia", serif;"> Terme que la banque est incapable de définir. Et la banque
est-elle assez vertueuse pour accuser le client ?</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="font-family: "Georgia", serif;"> </span></b></span></p>
<p class="MsoNormal" style="margin-left: -14.2pt; text-align: justify;"><span style="font-size: large;"><b><i><span style="background: white; color: #222222; font-family: "Georgia", serif;">« Dans ce cas, on refuse
systématiquement tout et on retire toutes les facilités de
découvert ». </span></i></b><b><i><span style="font-family: "Georgia", serif;"></span></i></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><u><span style="font-family: "Georgia", serif;"><span style="text-decoration: none;"> </span></span></u></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="background: white; color: #222222; font-family: "Georgia", serif;">Notre réponse.</span></b><span style="background: white; color: #222222; font-family: "Georgia", serif;"> C’est le chantage
habituel des agences qui supportent mal le fait qu’un client puisse user de son
droit de vérification. </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="margin-left: -14.2pt; text-align: justify;"><span style="font-size: large;"><b><i><span style="background: white; color: #222222; font-family: "Georgia", serif;">« Les frais
sont indépendants de la décision, ce sont des frais d’examen de compte »</span></i></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><u><span style="background: white; color: #222222; font-family: "Georgia", serif;"><span style="text-decoration: none;"> </span></span></u></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="background: white; color: #222222; font-family: "Georgia", serif;">Notre réponse.</span></b><span style="background: white; color: #222222; font-family: "Georgia", serif;"> Cet argument n’a
aucun sens. Si le banquier veut « examiner » le compte, c’est à son initiative
et il ne peut en aucun cas facturer cette intervention soi-disant stérile. En
revanche, si le but de cet « examen » est de recueillir et d’analyser les
éléments pour prendre la décision de prêter ou non les fonds manquants pour une
écriture se présentant à découvert, alors ces frais en alourdissent le coût. </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="margin-left: -14.2pt; text-align: justify;"><span style="font-size: large;"><b><i><span style="background: white; color: #222222; font-family: "Georgia", serif;">« Les frais
sont la répercussion des coûts de traitement »</span></i></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><u><span style="background: white; color: #222222; font-family: "Georgia", serif;"><span style="text-decoration: none;"> </span></span></u></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="background: white; color: #222222; font-family: "Georgia", serif;">Notre réponse</span></b><span style="background: white; color: #222222; font-family: "Georgia", serif;">.</span><span style="background: white; color: #222222; font-family: "Georgia", serif;"> Lorsqu’une écriture se présente, l’ordinateur
vérifie la position du compte. (Si solde > ou = montant écriture, alors
passer l’écriture au débit. Sinon, fichier « décisions à prendre » ou
selon ordre donné, rejet systématique.) </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="background: white; color: #222222; font-family: "Georgia", serif;">Le fichier « décisions
à prendre » est présenté au chargé de clientèle. S’il accepte : un
clic dans la case acceptation. S’il refuse : un clic dans la case refus.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="background: white; color: #222222; font-family: "Georgia", serif;">Si c’est oui,
l’ordinateur passe l’écriture au débit du compte.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="background: white; color: #222222; font-family: "Georgia", serif;">Depuis
l’informatisation des agences, il n’y a plus d’autre traitement. Et pour
facturer les frais de traitement la banque doit en estimer le montant. Peut-elle
définir le coût en électricité d’un ordinateur traitant des milliers
d’écritures en une fraction de seconde ? </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="background: white; color: #222222; font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="margin-left: -14.2pt; text-align: justify;"><span style="font-size: large;"><b><i><span style="background: white; color: #222222; font-family: "Georgia", serif;">« Ce sont des
frais d’écarté »</span></i></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><u><span style="background: white; color: #222222; font-family: "Georgia", serif;"><span style="text-decoration: none;"> </span></span></u></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="background: white; color: #222222; font-family: "Georgia", serif;">Notre réponse</span></b><span style="background: white; color: #222222; font-family: "Georgia", serif;"> :</span><span style="background: white; color: #222222; font-family: "Georgia", serif;"> Ce terme a été utilisé jusqu’au début des
années 70, avant l’informatisation de masse. Les écritures étaient alors enregistrées
par une employée (nommée perfo-vérif) qui cherchait le « carton
perforé » du client, vérifiait le solde, et tapait le montant sur le
clavier de sa machine perforatrice.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">En cas d’absence de provision, l’employé
« écartait » la fiche concernée. Un employé comptable apportait alors
le paquet de fiches au « chargé de clientèle ».</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Ce mécanisme à disparu depuis près de 50 ans dans
les banques. </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Bien sûr, les banquiers actuels ne peuvent
connaître ces précisions historiques. C’est pour cette raison qu’ils utilisent
encore, 50 ans après, le terme « frais d’écarté ».</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="margin-left: -14.2pt; text-align: justify;"><span style="font-size: large;"><b><i><span style="background: white; color: #222222; font-family: "Georgia", serif;">« L’ordinateur
prend les frais automatiquement »</span></i></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><u><span style="background: white; color: #222222; font-family: "Georgia", serif;"><span style="text-decoration: none;"> </span></span></u></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="background: white; color: #222222; font-family: "Georgia", serif;">Notre réponse. </span></b><span style="background: white; color: #222222; font-family: "Georgia", serif;">L’ordinateur
peut-il s’affranchir des lois imposées aux humains ? Non bien sûr et l’argument
est ridicule. C’est pourtant celui qui est le plus fréquemment utilisé par le
personnel des agences.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="margin-left: -14.2pt; text-align: justify;"><span style="font-size: large;"><b><i><span style="background: white; color: #222222; font-family: "Georgia", serif;">« Les frais
sont facturés car le découvert est non-autorisé »</span></i></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><u><span style="background: white; color: #222222; font-family: "Georgia", serif;"><span style="text-decoration: none;"> </span></span></u></b></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="background: white; color: #222222; font-family: "Georgia", serif;">Notre réponse</span></b><span style="background: white; color: #222222; font-family: "Georgia", serif;">.</span><span style="background: white; color: #222222; font-family: "Georgia", serif;"> Et qui n’a pas autorisé le découvert en
contradiction avec l’employé qui l’a autorisé en prêtant les fonds pour le
paiement de l’écriture ?<span class="apple-converted-space"></span></span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="background: white; color: #222222; font-family: "Georgia", serif;">Rappelons que la
notion de « découvert non autorisé » si souvent mise en avant par les banques,
n’a aucun sens puisque le banquier a toute latitude pour accepter ou refuser
(cf. conventions de compte)</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><i><span style="font-family: "Georgia", serif;"> </span></i></b></span></p>
<p class="MsoNormal" style="margin-left: -14.2pt; text-align: justify;"><span style="font-size: large;"><b><i><span style="font-family: "Georgia", serif;">« La banque ne considère pas que les frais
soient liés à la décision d’accorder un découvert. »</span></i></b></span></p>
<p class="MsoNormal"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="font-family: "Georgia", serif;">Notre
réponse.</span></b><span style="font-family: "Georgia", serif;">
Elle parle d’un « traitement particulier » notion abstraite que la
banque est incapable de définir, mais qui ne serait pas lié au crédit accordé. Comment
peut-elle déclarer que le « traitement particulier » n’est pas lié au
découvert, si elle est incapable de donner une définition concrète de cette
expression.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Elle invoque le côté systématique de ce
« traitement particulier » alors que selon la convention de compte,
rien n’oblige le banquier à étudier une demande de découvert. </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Elle parle pêle-mêle de « service lié à la
tenue du compte », ensuite de « service de caisse » lié à la
« gestion du compte », alors que gérer un compte nécessite un
« mandat de gestion ».</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Tous ces arguments ne prouvent qu’une seule
chose : l’incompétence en matière de technique de gestion de clientèle de
ceux qui essayent de nier l’évidence mathématique.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Si la banque confirme que ces frais ne sont pas
liés aux découverts, alors que rémunèrent-ils ?</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="margin-left: -14.2pt;"><span style="font-size: large;"><b><i><span style="font-family: "Georgia", serif;">« La
banque avance le fait que ces frais seraient facturés également en cas de refus.</span></i></b></span></p>
<p class="MsoNormal"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="font-family: "Georgia", serif;">Notre
réponse. </span></b><span style="font-family: "Georgia", serif;">Dans
la convention d’ouverture de compte et dans la grille tarifaire, il n’est pas
prévu que ces frais soient systématiques et soient pris en cas de refus.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Si la banque refuse un crédit après en avoir
étudié la possibilité, elle ne peut en aucun cas facturer des frais, c’est
formellement interdit par la loi (voir la référence plus haut). </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Enfin, l’arrêt de cassation du 8 janvier 2013
précise qu’il appartient au juge de savoir à quoi correspondent ces frais. </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">C’est à cette question que répond l’étude du
fonctionnement du compte. </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="margin-left: -14.2pt; text-align: justify;"><span style="font-size: large;"><b><i><span style="font-family: "Georgia", serif;">« L’arrêt de cassation du 8 juillet 2014
constate ces facturations en cas de refus de l’écriture. »</span></i></b></span></p>
<p class="MsoNormal"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><b><span style="font-family: "Georgia", serif;">Notre
réponse.</span></b><span style="font-family: "Georgia", serif;"> Dans cet arrêt, la Cour de Cassation constate que
la banque prélève ces frais en cas de refus de l’écriture.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Pour la petite histoire,
l’entreprise condamnée m’avait demandé d’analyser les mouvements afin d’en
extraire les frais facturés en cas de refus.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">L’objectif étant de
porter plainte contre la banque, cette pratique étant formellement interdite
par la loi.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Résultat, je n’ai
constaté aucune commission d’intervention facturée dans ces circonstances.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Sans commentaire.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia",serif; mso-bidi-font-weight: bold;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia",serif; mso-bidi-font-weight: bold;"> <br /></span></span></p>
<p class="MsoNormal"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<div style="background: rgb(217, 217, 217); border: 1pt solid windowtext; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-element: para-border-div; padding: 1pt 4pt;">
<p align="center" class="MsoNormal" style="background: rgb(217, 217, 217); border: medium; mso-background-themecolor: background1; mso-background-themeshade: 217; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm; text-align: center;"><span style="font-size: large;"><span style="color: black; font-family: "Georgia", serif;">Analyse de nos résultats</span><span style="font-family: "Georgia", serif;"></span></span></p>
</div>
<p class="MsoNormal"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> <br /></span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Plusieurs années de
collaboration entre les deux auteurs de ce rapport ont permis d’enregistrer de
nombreux résultats positifs en matière de remboursement de commissions
d’intervention </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Suivent les extraits de
24 jugements dans lesquels le tribunal a bien compris l’argumentation et a
donné raison au client. La banque a été condamnée chaque fois à rembourser les
commissions d’intervention plus les frais engagés (l’article 700 du code de
procédure civile.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Ce binôme,
avocate-expert, ainsi formé est l’union du technique et du juridique. Des
dossiers rigoureusement montés, des analyses pertinentes, des chiffrages extrêmement
précis, des pièces justificatives jointes avec rigueur.</span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia",serif; mso-bidi-font-weight: bold;"> </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">Ci-après, vous trouverez
les extraits des jugements et les motivations des juges. </span></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;"> </span></span></p>
<div style="border: 1pt solid windowtext; mso-border-alt: solid windowtext .5pt; mso-element: para-border-div; padding: 1pt 4pt;">
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm; text-align: justify;"><span style="font-size: large;"><b><span style="font-family: "Georgia", serif;">Dates,
instance, ville, banque adverse et montant du remboursement plus l’article 700
pour les frais de justice.</span></b></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm; text-align: justify;"><span style="font-size: large;"><b><span style="font-family: "Georgia", serif;"> </span></b></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">08/03/22 Trib proxi Haguenau / Banque
Populaire<span> </span>8.440€</span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">07/01/21 Trib com Marseille / SMC<span> </span><span> </span><span> </span><span> </span>6.500€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">19/11/20 Trib judic Brest / Crédit Agricole<span> </span><span>
</span><span> </span><span> </span>3.917€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">12/02/20 Trib com Agen VS Banque Populaire<span> </span><span> </span><span> </span><span> </span>2.538€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">22/09/14, Trib proxi Paris 12 / BNP <span> </span><span> </span><span> </span><span> </span>1.000€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">23/03/12 Trib inst Marseille / Caisse
Epargne<span> </span><span> </span><span> </span><span> </span>8.548€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">10/07/19 Trib com Laval / Banque Populaire<span> </span><span> </span><span> </span><span> </span>20.542€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">13/06/19 Trib inst Lyon / LCL<span> </span> <span> </span><span> </span>12.755€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">17/06/19 Trib com Castres / Crédit Agricole<span> </span><span>
</span><span> </span><span> </span>11.922€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">11/03/19 Trib inst Brest / Banque Populaire<span> </span><span>
</span><span> </span><span> </span>4.197€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">22/03/18 Cour Appel Paris / HSBC <span> </span><span> </span><span> </span><span> </span>3.240€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">23/01/18 Trib inst Orange / CIC<span> </span><span> </span><span> </span><span> </span>1.637€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">21/12/17 Trib inst Guingamp / Banque
Populaire<span> </span><span> </span><span> </span><span> </span>2.622€<span style="background: yellow; color: black; mso-color-alt: windowtext;"> </span></span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">17/11/17 Cour Appel Paris / Banque Populaire<span> </span><span> </span><span> </span><span> </span>43.287€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">12/06/17 Trib inst St Benoit / Banque de la
Réunion<span> </span><span> </span><span> </span>???</span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">05/05/17 Cour Appel Paris / Banque Populaire<span> </span><span> </span><span> </span><span> </span>26.982€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">17/03/17 Trib prox Alençon / Banque
Populaire<span> </span><span> </span><span> </span><span> </span>518€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">02/11/16 Trib proxi Pantin / LCL<span> </span><span> </span><span> </span><span> </span>3.674€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">23/11/15 Trib gd inst Toulouse / Banque
Populaire<span> </span><span> </span><span> </span>5.088€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">07/05/15 Cour Appel Paris / BNP<span> </span><span> </span><span> </span><span> </span>3.935€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">22/09/14 Trib proxi Thionville / Banque
Populaire<span> </span>2.530€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">21/05/14 Tribunal inst Douai / Banque
Populaire<span> </span><span> </span><span> </span><span> </span>309€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">26/05/14 Trib com Lyon / LCL<span> </span><span> </span><span> </span><span> </span>18.576€ </span></span></p>
<p class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm;"><span style="font-size: large;"><span style="font-family: "Georgia", serif;">23/12/11 Trib inst Ivry / Banque Populaire<span> </span><span>
</span><span> </span><span> </span>588€ </span></span></p>
<p align="right" class="MsoNormal" style="border: medium; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm; text-align: right;"><span style="font-family: "Georgia",serif; font-size: 8pt;"> </span></p>
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<p></p><p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"><i><span style="font-size: 12pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"></span></i></p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"><span style="font-size: 12pt; line-height: 107%;"> </span></p>
<p style="text-align: justify;"><span style="font-size: x-large;"><b>À la suite d'une simple dénonciation, </b></span></p><p style="text-align: justify;"><span style="font-size: large;">la
Répression des Fraudes de Nanterre a infligé une amende transactionnelle de 4,5
millions d'euros à la Société Générale, assortie du remboursement de toutes les
commissions d'intervention prélevées sur le compte depuis son ouverture.</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><span style="font-size: x-large;"><b>Le motif avancé était une "erreur de
programmation"</b></span><span style="font-size: large;"> </span></p><p style="text-align: justify;"><span style="font-size: large;">du logiciel chargé d'intégrer les "commissions
d'intervention" dans le calcul du Taux Annuel Effectif Global.</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><span style="font-size: x-large;"><b>Un doux euphémisme.</b></span><span style="font-size: large;"> </span></p><p style="text-align: justify;"><span style="font-size: large;">En d'autres termes, depuis 16
ans, toutes les banques ont délibérément mal programmé leur logiciel afin
d'occulter les "commissions d'intervention" du calcul du taux.</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><span style="font-size: x-large;"><b>Les conséquences sont majeures </b></span><span style="font-size: large;">: </span></p><p style="text-align: justify;"><span style="font-size: large;">le TAEG annoncé
par la banque est nettement inférieur au taux réel.</span></p>
<p style="text-align: justify;"><span style="font-size: large;">De nombreux membres de l'association ABC (Action
Banque Citoyenne) ont déjà signalé les pratiques de leur agence.</span></p>
<p style="text-align: justify;"><span style="font-size: large;">L'enjeu pour vous : le remboursement de toutes
les commissions d'intervention facturées sur votre compte depuis son ouverture.</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><span style="font-size: large;">En cas de réponse ou d'absence de réponse,
n'hésitez pas à nous contacter ; nous vous guiderons dans les étapes à suivre.</span></p>
<p style="text-align: justify;"><b><span style="font-size: large;">ABC Action Banque Citoyenne</span></b></p><p style="text-align: justify;"><b><span style="font-size: large;"><i><span style="font-size: small;">Association en cours de création et réunissant les experts techniques et juridiques, spécialisés dans les problèmes de tarification </span><br /></i></span></b></p><p style="text-align: justify;"><b><span style="font-size: large;"> Email :
actionbanquecitoyenne@gmx.fr</span></b></p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"><span style="font-size: large;"><span style="line-height: 107%;"> </span></span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: center;"><span style="font-size: large;"><span style="line-height: 107%;"> ______________________________________________________________________</span></span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: center;"><span style="font-size: large;"><span style="line-height: 107%;"><i>adressée aux service de la répression des fraudes du département de l'agence bancaire <br /></i></span></span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"><span style="font-size: large;"><span style="line-height: 107%;"> </span></span></p>
<div style="border: 1pt solid windowtext; padding: 1pt 4pt; text-align: left;">
<p class="MsoNormal" style="border: medium; margin-bottom: 0cm; padding: 0cm; text-align: center;"><span style="font-size: large;"><b><span style="line-height: 107%;">Signalement de la banque [nom de votre banque]</span></b></span></p>
<p class="MsoNormal" style="border: medium; margin-bottom: 0cm; padding: 0cm; text-align: center;"><span style="font-size: large;"><b><span style="line-height: 107%;">pour pratiques commerciales trompeuses.</span></b></span></p>
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<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"><span style="font-size: large;"><span style="line-height: 107%;"> </span></span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: large;"><span style="font-family: "Times New Roman", serif;">Madame,
Monsieur,</span></span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: large;"><span style="font-family: "Times New Roman", serif;">Je me permets
de porter à votre attention des pratiques commerciales douteuses de la part de
la banque [Nom de la Banque], localisée à l'adresse [Adresse de l’Agence]. </span></span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: large;"><span style="font-family: "Times New Roman", serif;">À la suite
d’une analyse approfondie effectuée par un expert privé indépendant que j'ai
mandaté pour examiner les opérations sur mon compte, une problématique sérieuse
a été mise en lumière.</span></span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: large;"><span style="font-family: "Times New Roman", serif;">Le logiciel
chargé du calcul et de l'affichage du TAEG (Taux Annuel Effectif Global)
présente une programmation défectueuse. Après avoir recalculé les intérêts pour
chaque période d'arrêté, notamment trimestrielle, et additionné tous les frais
directement liés à mes découverts, la banque annonce un TAEG nettement
inférieur à celui recalculé en incluant ces frais. Souvent, le TAEG réel est
plus du double du taux annoncé.</span></span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: large;"><span style="font-family: "Times New Roman", serif;">Selon
l'expert, il s'agit clairement d'une "erreur de programmation"
similaire à celle identifiée par les services de la Répression des Fraudes de
Nanterre à l'encontre de la Société Générale.</span></span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: large;"><span style="font-family: "Times New Roman", serif;">L'expert a
expliqué que le calcul du TAEG se décompose en quatre phases :</span></span></p>
<ol start="1" type="1"><li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify;"><span style="font-size: large;"><span style="font-family: "Times New Roman", serif;">Calcul des intérêts proportionnels basé sur
les montants des découverts, la durée et le taux nominal.</span></span></li><li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify;"><span style="font-size: large;"><span style="font-family: "Times New Roman", serif;">Addition des "commissions
d'intervention" liées à la décision d'accorder les découverts.</span></span></li><li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify;"><span style="font-size: large;"><span style="font-family: "Times New Roman", serif;">Addition des montants des deux phases
précédentes, équivalant au coût global des découverts.</span></span></li><li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify;"><span style="font-size: large;"><span style="font-family: "Times New Roman", serif;">Calcul du rapport proportionnel entre
l'utilisation et le coût global, déterminant le TAEG.</span></span></li></ol>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: large;"><span style="font-family: "Times New Roman", serif;">Le problème
réside dans la deuxième phase, où le montant des frais fixes est
systématiquement égal à zéro, l'algorithme ignorant ainsi les commissions
d'intervention.</span></span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: large;"><span style="font-family: "Times New Roman", serif;">La
confirmation du service commercial de la banque révèle que ces commissions sont
directement liées aux découverts. Selon leur propre réponse, ces commissions
sont prélevées "dans le cas où une opération se présenterait sur le compte
en l'absence d'une provision suffisante et disponible ou d'un ordre conforme du
client."</span></span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: large;"><span style="font-family: "Times New Roman", serif;">Le fait que
les "commission d'intervention" doivent être intégrées dans le calcul
du TAEG, a été reconnue par les tribunaux à 24 reprises comme alourdissant le
coût du découvert et augmentant mécaniquement le taux.</span></span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: large;"><span style="font-family: "Times New Roman", serif;">Je sollicite
votre intervention pour enquêter sur ces pratiques, récemment dénoncées par les
services de la répression des fraudes à Nanterre. En collaboration avec
l'expert, je reste à votre disposition pour participer à un débat
contradictoire avec les responsables de la banque, afin de confronter nos
études et chiffres respectifs.</span></span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: large;"><span style="font-family: "Times New Roman", serif;">Je vous prie
d'agréer, Madame, Monsieur, l'expression de mes salutations distinguées.</span></span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: large;"><span style="font-family: "Times New Roman", serif;">Cordialement,</span></span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;"><span style="font-size: large;"><span style="font-family: "Times New Roman", serif;">[Votre Nom]
[Votre Adresse] [Votre Numéro de Téléphone] [Votre Adresse E-mail]</span></span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"><span style="font-size: 12pt; line-height: 107%;"> </span></p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-4599551963935209612024-03-12T02:45:00.000-07:002024-03-12T02:45:36.024-07:00« Erreur » de programmation d’un logiciel. Un scandale silencieux dans le secteur financier<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiwqyPtRq9Pv7KM8qH_uHbHV44YoPBVkGyYCgAZzzS7d0SCUugLwPMKsWd8cG_DbSsQR8xxaKjxHV1T0tlql1593fxyNOq9VKqeyerLkClRu_stNKdWeAB6sKj_oCNCKJON60muOEwR5GFzQ3YuUzQpt87DyRpLhZsFr5Bj7sUuv-bNK6-O-P_IJiToUS0/s1280/330826-hacker-ethique-c-est-quoi-ce-metier-web-tete-0601519953802.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="720" data-original-width="1280" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiwqyPtRq9Pv7KM8qH_uHbHV44YoPBVkGyYCgAZzzS7d0SCUugLwPMKsWd8cG_DbSsQR8xxaKjxHV1T0tlql1593fxyNOq9VKqeyerLkClRu_stNKdWeAB6sKj_oCNCKJON60muOEwR5GFzQ3YuUzQpt87DyRpLhZsFr5Bj7sUuv-bNK6-O-P_IJiToUS0/w400-h225/330826-hacker-ethique-c-est-quoi-ce-metier-web-tete-0601519953802.jpg" width="400" /></a></div><br /><p></p><p style="text-align: justify;"><b><span style="font-size: large;">La récente « transaction » de 4,5 millions d'euros</span></b> </p><p style="text-align: justify;">imposée à la Société
Générale par les autorités de répression des fraudes, sous le prétexte d'une «
erreur de programmation », a été étonnamment éclipsée par les médias et les
autorités compétentes.Pourtant, cette prétendue « erreur », qui s'avère être bien plus qu'une
simple maladresse, ne concerne pas exclusivement la Société Générale ; elle
englobe l'ensemble des institutions bancaires.</p><p style="text-align: justify;"> </p>
<p style="text-align: justify;"><b><span style="font-size: large;">Cet incident, dissimulé pendant 16 ans,</span></b> </p><p style="text-align: justify;">prend ses racines dans un arrêt de
cassation du 5 février 2008 condamnant une banque et soulignant que les frais
liés au découvert doivent être inclus dans le calcul du Taux Effectif Global
(TEG), en raison de leur impact sur le coût total.</p><p style="text-align: justify;"> </p>
<p style="text-align: justify;"><b><span style="font-size: large;">Une panique s'est emparée du secteur bancaire.</span></b> </p><p style="text-align: justify;">La crainte qu'une divulgation
par les médias et les associations de défense des consommateurs n'entraîne le
remboursement de l'ensemble des frais a poussé les banques à réagir en 2008. En
premier lieu, elles ont enjoint aux médias et aux associations de se taire sur
cet arrêt de cassation pour éviter une crise majeure.</p><p style="text-align: justify;"> </p>
<p style="text-align: justify;"><b><span style="font-size: large;">Un chroniqueur éminent, bien ancré dans le milieu,</span></b> </p><p style="text-align: justify;">a publié des
recommandations pour conseiller aux banques comment éluder les condamnations
pour des pratiques illégales perpétrées quotidiennement au détriment de leurs
clients. Il suggère notamment de déconnecter ces commissions de toute opération
de crédit pour éviter leur intégration dans le Taux Effectif Global. <!--[if gte mso 9]><xml>
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</p><p class="MsoNormal" style="margin-left: 1cm; text-align: justify;"><i><span style="font-family: "Georgia",serif; font-size: 11.0pt;">« En
conclusion, les banques sont invitées à se montrer particulièrement vigilantes
lorsqu’elles instaurent des commissions de ce type et doivent veiller à les
percevoir quoi qu’il advienne (i.e. même en cas de rejet), c'est à-dire à les
déconnecter de toutes opération de crédit, si elles ne veulent pas avoir à les
intégrer dans le taux effectif global » <b style="mso-bidi-font-weight: normal;"><u></u></b></span></i></p>
<p style="text-align: justify;"><span style="font-size: small;">Malheureusement, sans relais médiatiques ou associatifs, </span>la vigilance
initiale s'est estompée, permettant aux banques de continuer leurs agissements
sans être inquiétées.</p><p style="text-align: justify;"> </p>
<p style="text-align: justify;"><b><span style="font-size: large;">C'est à ce moment que les banques ont manipulé l'algorithme </span></b> </p><p style="text-align: justify;">du logiciel
chargé du calcul du Taux Annuel Effectif Global (TAEG). Le programme se compose
de quatre parties : le calcul des intérêts dus, l'addition des frais fixes,
l'addition des intérêts variables et des frais fixes pour obtenir le coût total
des découverts, et enfin, le calcul du TAEG à partir de ce coût global.</p><p style="text-align: justify;"> </p>
<p style="text-align: justify;"><b><span style="font-size: large;">Les banques ont simplement inséré un zéro </span></b> </p><p style="text-align: justify;">à la place de l'addition des frais
fixes, faussant ainsi l'intégralité de leur programme. En conséquence, les TAEG
affichés par les banques ne reflètent jamais la réalité.Selon des estimations, les banques auraient ainsi détourné illégalement 75
milliards d'euros de l'économie, prélevant ces montants sur les comptes des
particuliers et des entreprises, avec une moyenne de 5 milliards par an.</p><p style="text-align: justify;"> </p>
<p style="text-align: justify;"><b><span style="font-size: large;">Cependant, le service de répression des fraudes de Nanterre</span></b> </p><p style="text-align: justify;">a démontré une
vigilance exemplaire. La Société Générale a reconnu les faits et procédé au
remboursement de ses clients, mettant ainsi en lumière un scandale financier de
grande envergure.</p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"> </p>
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<p></p>
<p style="text-align: justify;"><b><span style="font-size: x-large;">Dans une affaire rappelant le retentissant DieselGate, </span></b> </p><p style="text-align: justify;"><span style="font-size: large;">un constructeur
automobile reconnu coupable d'utilisation de logiciels frauduleux pour
minimiser les émissions polluantes, le monde financier est secoué par le
BankerGate. Plusieurs banques françaises doivent désormais faire face aux
conséquences de son utilisation, sur les 13 dernières années, d'un logiciel
frauduleux élaboré délibérément pour minorer le taux annuel effectif global
(TAEG), exprimant le coût des découverts.</span></p><p style="text-align: justify;"> </p>
<p style="text-align: justify;"><b><span style="font-size: x-large;">L'obligation d'affichage du TAEG</span></b></p>
<p style="text-align: justify;"><span style="font-size: large;">Dans cette affaire, les clients bénéficiant de découverts sur leurs comptes
ont le droit d'en connaître le coût et le taux. Le coût, composé d'intérêts
proportionnels et de frais fixes liés au découvert, doit être exprimé par le
TAEG. La banque est légalement tenue d'afficher ce taux sur tous les documents
évoquant les découverts.</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><b><span style="font-size: x-large;">Programmation du logiciel affichant le TAEG</span></b></p>
<p style="text-align: justify;"><span style="font-size: large;">Le logiciel en question doit calculer les intérêts proportionnels en prenant
en compte les montants, les durées, et le taux nominal sur une période donnée,
selon la méthode hambourgeoise. Ensuite, il doit identifier et additionner les
frais liés aux découverts, incluant ceux rémunérant la décision de les
accorder, tels que les commissions d'intervention. La somme de ces coûts permet
de déterminer le TAEG.</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><b><span style="font-size: x-large;">La banque fausse les calculs volontairement</span></b></p>
<p style="text-align: justify;"><span style="font-size: large;">La manipulation délibérée du programme se révèle dans la manière dont la
banque a faussé les calculs du TAEG. Les frais liés aux études et aux accords
de découverts, autrefois clairement identifiés sous le libellé "Frais de
forçage", ont été regroupés sous l'appellation générique et vague de
"commissions d'intervention". En 2008, un arrêt de cassation rappelle
l'obligation de prendre en compte ces "frais de forçage" dans le
calcul du TAEG. Pour échapper à cette responsabilité, les banques ont sciemment
retiré la capacité du programme à repérer ces frais, induisant ainsi en erreur
les calculs du TAEG.</span></p><p style="text-align: justify;"><span style="font-size: x-large;"> </span></p>
<p style="text-align: justify;"><span style="font-size: x-large;">Ce scandale met en lumière les pratiques trompeuses dans le secteur bancaire
et souligne l'importance de la transparence financière pour les consommateurs.
Les autorités devront maintenant prendre des mesures appropriées pour
sanctionner la banque coupable et restaurer la confiance du public dans le
système financier.</span></p>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-23513078445870877302024-03-10T03:23:00.000-07:002024-03-10T03:23:48.951-07:00Frais Bancaires : Les associations d'usagers et le ministre promettent des changements… en faveur des banques.<div style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhtAlQvnX5XB9MTpC_jwwv2t_W4mH8YbS2zI_nTRNo2mpMxrvMZwv3mM2AmR-jU_T_6cIsTl9TWOmclNxPrf3xGtriM9njX9gyhiEmlY-5GDZR4QvdWA-q2ZMYs22QlwpVSqtld6Lz2US80HJCrRusieAa1cMiw1JtJYZ6OZjgIcgKIEwAgKQUfdHXRX2w/s1200/racket012.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="672" data-original-width="1200" height="224" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhtAlQvnX5XB9MTpC_jwwv2t_W4mH8YbS2zI_nTRNo2mpMxrvMZwv3mM2AmR-jU_T_6cIsTl9TWOmclNxPrf3xGtriM9njX9gyhiEmlY-5GDZR4QvdWA-q2ZMYs22QlwpVSqtld6Lz2US80HJCrRusieAa1cMiw1JtJYZ6OZjgIcgKIEwAgKQUfdHXRX2w/w400-h224/racket012.jpg" width="400" /></a></div><p><span style="font-size: large;"><b> </b></span></p><p><span style="font-size: large;"><b>Chaque année, c'est le même refrain</b> </span></p><p><span style="font-size: large;">pour les associations d'usagers de
banque, qui se déchaînent contre les frais bancaires, particulièrement les
frais d'intervention. Au milieu de la cacophonie des articles, les 60 millions
de consommateurs que nous sommes se perdent dans un océan de revendications.</span></p><p><span style="font-size: large;"> </span></p>
<p><span style="font-size: large;"><b>Les titres en gros caractères s'affichent</b> </span></p><p><span style="font-size: large;">en une de certains magazines :
"Halte aux frais abusifs", "Frais bancaires, bientôt la
fin", "Les frais sont ruineux", et ainsi de suite. La scène
suivante se répète invariablement : des responsables d'associations défilent
sur les plateaux télévisés, et le ministre de l’Économie promet des actions
décisives, la main sur le cœur.</span></p><p><span style="font-size: large;"> </span></p>
<p><span style="font-size: large;"><b>Les banques, de leur côté, s'engagent </b></span></p><p><span style="font-size: large;"><b> </b>à modérer l'évolution des tarifs,
promettant de les maintenir inférieurs à ceux de l'Allemagne, du Brésil et même
de la Papouasie-Nouvelle-Guinée. Une promesse qui suscite autant de scepticisme
que d'espoir parmi les consommateurs.</span></p><p><span style="font-size: large;"> </span></p>
<p><span style="font-size: large;"><b>Le ministre affiche également sa volonté</b> </span></p><p><span style="font-size: large;">de limiter les frais pour les PFDN,
les "plus fragiles d'entre nous". Cependant, la définition de cette
catégorie est laissée à l'appréciation des banques, excluant de facto ceux qui
ont les moyens de payer.</span></p><p><span style="font-size: large;"> </span></p>
<p><span style="font-size: large;"><b>Les statistiques viennent apaiser les esprits inquiets,</b> </span></p><p><span style="font-size: large;">affirmant que la
moyenne des frais annuels est de seulement 273€, inférieure à celle du Canada
et du Zimbabwe. Mais derrière ce chiffre rassurant se cache une réalité cruelle
: pour la plupart des clients concernés, ces frais soi-disant annuels, sont…
mensuels.</span></p><p><span style="font-size: large;"> </span></p>
<p><span style="font-size: large;"><b>Les associations se mobilisent en faveur d'un plafonnement</b> </span></p><p><span style="font-size: large;">de ces frais,
mais ne voient pas le piège tendu par les banques. En acceptant une limitation
des frais, elles semblent implicitement reconnaître leur légalité, évoquant une
situation où l'on serait fusillé avec six balles au lieu de douze – pas
l'idéal, mais un pas dans la bonne direction.</span></p><p><span style="font-size: large;"> </span></p>
<p><span style="font-size: large;"><b>Ces frais, malgré la contestation, sont bel et bien légaux, </b> </span></p><p><span style="font-size: large;">inscrits dans la
grille tarifaire, complément de la convention d'ouverture de compte que chaque
client a signée. Certes, le Prozac est légal aussi, mais qui voudrait en avaler
trois tubes d'un coup ?</span></p><p><span style="font-size: large;"> </span></p>
<p><span style="font-size: large;"><b>Une démonstration indiscutable est avancée :</b></span></p><p><span style="font-size: large;"><b> </b>ces frais font grimper le coût
des découverts, augmentant mécaniquement le taux du TEG affiché, le rendant
systématiquement faux. Pourtant, ni les autorités de tutelle ni les
associations de protection des usagers de la banque ne semblent suivre ce
raisonnement. </span></p><p><span style="font-size: large;"> </span></p>
<p><span style="font-size: large;"><b>Fort heureusement, les juges,</b> </span></p><p><span style="font-size: large;">chargés d'arbitrer ces litiges, accordent une
attention particulière à ces démonstrations, comprennent les arguments avancés,
et donnent quasiment toujours raison au client en condamnant les banques à
rembourser.</span></p><p><span style="font-size: large;"> </span></p>
<p><span style="font-size: large;"><b>En fin de compte, c'est la vigilance des clients</b> </span></p><p><span style="font-size: large;">qui pourrait être la
meilleure arme contre cette supercherie coûteuse, voire ruineuse. Alors que,
tel Don Quichotte, les associations d'usagers continuent leur bataille stérile contre
les frais bancaires, les consommateurs restent les acteurs clés pour faire
entendre leur voix et exiger des changements concrets.</span></p>
<br />Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-68240404535393058052024-03-08T07:24:00.000-08:002024-03-08T07:24:47.626-08:00Pourquoi fabriquer des SDF si on les laisse mourir? C'est ballot<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhUCQd43tHPUwGvzZOYTm2A3JWLki83t5U92Y_rZPnjux4yaUquyr7GlF12W15kZ5A0S5FXYylDT-s72yMk8oy7p_sdsd_wH8Lh7eSB3M59Y-kHrVkuj3rgo3NaY7Ju9xX5IG4Y4PWNcJBsrdO1jce9F3v9tJHM5o5i3bSY6arlj6t2haspOgMyhQliwc0/s635/logo_artisanat.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="635" data-original-width="475" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhUCQd43tHPUwGvzZOYTm2A3JWLki83t5U92Y_rZPnjux4yaUquyr7GlF12W15kZ5A0S5FXYylDT-s72yMk8oy7p_sdsd_wH8Lh7eSB3M59Y-kHrVkuj3rgo3NaY7Ju9xX5IG4Y4PWNcJBsrdO1jce9F3v9tJHM5o5i3bSY6arlj6t2haspOgMyhQliwc0/w478-h640/logo_artisanat.jpg" width="478" /></a></div><br /><!--[if gte mso 9]><xml>
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<p></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"><b> </b></span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"><b>Ah, les grands froids, cette période magique </b> </span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;">où
l'on compte les SDF morts comme les points d'une partie de Monopoly. On
s'indigne, on proteste, on pleure... et puis, on passe à autre chose. Après
tout, la mort, c'est juste une formalité hivernale.</span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"> </span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"><b>Cependant, si notre cher gouvernement feint
d'être choqué</b> </span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;">par la disparition des SDF, on ne peut s'empêcher de se demander
pourquoi diable il continue à les fabriquer avec autant d'entrain.</span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"> </span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"><b>Car, vous savez, on ne naît pas SDF, on le
devient.</b> </span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;">Et les associations de défense se targuent de pouvoir vous fournir la
liste des SDF du futur. Oui, oui, ils ont même leurs adresses. Parce que les
futurs SDF, ils habitent quelque part, ils ont des vies, des revenus, une
famille. En gros, ils sont comme vous et moi, mais avec une passion pour les
cartons.</span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"> </span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"><b>On trouve des commerçants, des artisans, des
petits entrepreneurs. </b> </span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;">Des héros qui travaillent sans relâche pour, au final, ne
rien avoir. Prenez le cafetier du coin, par exemple. Son café, toujours bondé,
est un petit bijou parisien. Le patron bosse sans arrêt, toujours ouvert, mais
combien lui reste-t-il à la fin du mois ? Environ 800€. Oui, vous avez bien lu.
Des sommes phénoménales à verser, des incidents à éviter, sinon c'est la rue.</span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"> </span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"><b>La justice donne des chances à répétition aux
délinquants</b>, </span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;">mais au petit commerçant, jamais de seconde chance. Ce qu'il veut,
c'est pouvoir se relever tout seul, sans qu'on lui brise les jambes à coup de
barre de fer. Et les nouveaux entrepreneurs ? Les organismes prélèvent, peu
importe s'ils ne gagnent rien. La France, un pays où on dépouille
l'entrepreneur de sa trésorerie, celle-là même destinée à l'investissement et à
l'embauche.</span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"> </span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"><b>Même dans des pays où règne la mafia et la
corruption</b>, </span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;">les "percepteurs" attendent que leur victime gagne de
l'argent avant de la racketter. Mais ici, non, c'est dès le départ. Bienvenue
dans la fabrique à SDF made in France.</span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"> </span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"><b>Les particuliers ne sont pas en reste</b> </span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;">dans cette
farce tragique. Un écueil, et la banque vous tombe dessus avec des frais, des
frais sur les frais, et ainsi de suite. Objectif : ne laisser aucune chance de
se relever. Harcèlement, saisie du salaire, blocage du compte, saisie des
meubles, expulsion, divorce, dépression et... la rue.</span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"> </span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"><b>Et voilà un nouveau SDF.</b> </span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;">Les politiques se
bousculent pour des séances photos, des mines compatissantes, des gilets
couleur caca d'oie tricotés avec amour, des dessins d'enfants, des soupes
associatives. Un SDF, c'est comme un milliardaire qui change de Porsche tous
les mois, sauf que lui change de porche tous les soirs. Alors, pourquoi se
plaindrait-il ?</span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"> </span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"><b>Aux politiques qui pleurnichent</b> </span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;">avec une larme à
l’œil sur les médias, rappelons-leur qu'ils sont les artisans de ces lois
esclavagistes. Ils privent et dépouillent ces gens du fruit de leur travail au
nom d'une solidarité qui se résume à des bols de soupe et des bonnets tricotés.</span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"> </span></p>
<p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;"><b>Et à ces politiciens qui défilent </b> </span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman",serif; font-size: large; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: FR; mso-font-kerning: 0pt; mso-ligatures: none;">avec leur
compassion intéressée, sachez qu'un SDF préférerait une capsule de cyanure
plutôt que votre pitié hypocrite. Après tout, dans cette comédie sociale,
l'ironie est le dernier refuge des lucides.</span></p>
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<p></p><p style="text-align: justify;"><em><br /></em></p>
<p style="text-align: justify;"><span style="font-size: large;"><b>Les banques avaient juré, la main sur le cœur,</b> </span></p><p style="text-align: justify;"><span style="font-size: large;">de
ne jamais grever les poches de leurs clients avec des frais bancaires insensés.
Un pacte sacré qui, aujourd'hui, semble avoir été rompu dans l'ombre lugubre du
monde financier.</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><span style="font-size: large;"><b>C'est là que l'intrigue se corse.</b> </span></p><p style="text-align: justify;"><span style="font-size: large;">Les banques,
telles des ombres sinistres, ont trahi leur serment solennel en augmentant
sournoisement leurs frais, tout en présentant des arguments embrouillés.
"On n'y arrive plus", clament-elles, évoquant la baisse des taux,
l'augmentation des coûts, et la menace constante des banques en ligne. Mais les
enquêteurs de ce mystère financier ne sont pas dupes.</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><span style="font-size: large;"><b>Un coiffeur en difficulté ne trahirait jamais</b> </span></p><p style="text-align: justify;"><span style="font-size: large;">la
confiance de sa clientèle en augmentant les tarifs de ses coupes de cheveux.
Non, lui, il lancerait ses clients vers la concurrence. Alors pourquoi les
banquiers choisissent-ils un chemin aussi sombre ?</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><span style="font-size: large;"><b>L'intrigue évolue vers une réalité terrifiante</b> </span></p><p style="text-align: justify;"><span style="font-size: large;">et
inquiétante. Les banquiers, tels des maîtres du jeu, se savent intouchables.
Ils naviguent dans l'ombre, confiants dans le soutien des pouvoirs publics,
déjouant les enquêtes avec un simple os jeté aux associations qui menacent de
révéler leurs secrets.</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><span style="font-size: large;"><b>Les médias, complices silencieux,</b> </span></p><p style="text-align: justify;"><span style="font-size: large;">observent sans
broncher. Des marionnettes manipulées par des mains invisibles, car les médias,
c'est bien connu, appartiennent à ceux qui tiennent les ficelles de l'économie.</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><span style="font-size: large;"><b>La justice, elle, est une alliée fidèle,</b> </span></p><p style="text-align: justify;"><span style="font-size: large;">du moins
aux yeux des banquiers. La cour de cassation, avec ses visions souvent
favorables, est leur rempart solide. Les avocats dangereux se comptent sur les
doigts d'une seule main, et les experts capables d'établir des preuves se font
rares, comme des étoiles filantes dans une nuit noire.</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><span style="font-size: large;"><b>Alors, mettons-nous à la place des banquiers.</b> </span></p><p style="text-align: justify;"><span style="font-size: large;">Ils
ont tous les atouts en main, aucune raison de se priver. Les jeux sont faits,
et dans ce polar financier, le suspense ne fait que s'intensifier. Qui aura le
courage de percer le voile opaque qui entoure ces manigances bancaires ? Le
mystère persiste, et les banquiers, eux, continuent de jouer avec l'argent de
leurs clients comme des maîtres du crime impunis.</span></p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-12169055656308136792024-03-06T06:09:00.000-08:002024-03-06T06:09:06.697-08:00La Banque Centrale Européenne s'interroge sur la gouvernance des banques mutualistes<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhASfP1uCYSPT9iF-FaIUcCPB5k4Kwwg6JDJPmEWZo_xQ7CczEDAEjoNNGRS4VMcANVWFlusGwBt4kuVmqljw_g-hKv50YuGHO0ph4inEypVms2wdlu6ZS8uhzjsxeJVzvzqup6lVYnZK_Y1dvdXU73F6g1uG-3HmtvRuRQ_M58pJFA_HY7KhuLx4Yqs30/s2000/1307133-le-siege-de-la-banque-centrale-europeenne-bce-a-francfort-le-5-septembre-2013.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1333" data-original-width="2000" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhASfP1uCYSPT9iF-FaIUcCPB5k4Kwwg6JDJPmEWZo_xQ7CczEDAEjoNNGRS4VMcANVWFlusGwBt4kuVmqljw_g-hKv50YuGHO0ph4inEypVms2wdlu6ZS8uhzjsxeJVzvzqup6lVYnZK_Y1dvdXU73F6g1uG-3HmtvRuRQ_M58pJFA_HY7KhuLx4Yqs30/w400-h266/1307133-le-siege-de-la-banque-centrale-europeenne-bce-a-francfort-le-5-septembre-2013.jpg" width="400" /></a></div><br /><!--[if gte mso 9]><xml>
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<w:LsdException Locked="false" Priority="9" SemiHidden="true"
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<w:LsdException Locked="false" Priority="9" SemiHidden="true"
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<w:LsdException Locked="false" Priority="9" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="35" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="1" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
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<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
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<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
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<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
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<w:LsdException Locked="false" Priority="30" QFormat="true"
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
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<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
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<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
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<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
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<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
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<w:LsdException Locked="false" Priority="21" QFormat="true"
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<w:LsdException Locked="false" Priority="31" QFormat="true"
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<w:LsdException Locked="false" Priority="32" QFormat="true"
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<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
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<p></p><p style="text-align: justify;"><span style="font-size: large;"><i>Remise en question de l'intégrité des banques mutualistes : un débat sur la
responsabilité et la transparence</i></span></p><p style="text-align: justify;"><span style="font-size: large;"><i> </i></span></p>
<p style="text-align: justify;"><span style="font-size: large;"><b>Dans le monde financier, une interrogation sérieuse se profile</b> </span></p><p style="text-align: justify;"><span style="font-size: large;">quant à
l'existence des banques mutualistes, suscitant des doutes sur leur intégrité
fondamentale. À l'inverse des institutions bancaires commerciales, les agences
ou Caisses Locales des banques mutualistes revendiquent une indépendance
juridique propre, opérant en tant qu'entités distinctes qui regroupent des
Sociétaires, ces derniers étant assimilés à des adhérents d'une association,
loin du simple statut de clients.</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><span style="font-size: large;"><b>La particularité de ces banques réside dans l'élection d'un conseil
d'administration</b> </span></p><p style="text-align: justify;"><span style="font-size: large;">parmi les Sociétaires, suivi de la nomination d'un Président
par ce conseil. Cette élection confère au Président élu une responsabilité
exclusive, assumant seul toutes les charges civiles et pénales liées à sa
fonction au sein de la Caisse Locale.</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><span style="font-size: large;"><b>Cependant, malgré ces dispositions statutaires, une réalité parallèle semble
émerger.</b> </span></p><p style="text-align: justify;"><span style="font-size: large;">Les Caisses Locales s'inscrivent dans une Fédération, partageant une
structure associative similaire. Cette Fédération fournit l'ensemble des
infrastructures nécessaires à l'exercice des activités bancaires, y compris en
mettant à disposition le personnel requis. Notons cependant qu'aucun transfert
de responsabilité n'est clairement défini entre ces entités, une information
relayée de manière transparente dans les campagnes publicitaires du Crédit
Mutuel.</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><span style="font-size: large;"><b>Malgré ces assurances, des voix dissidentes pointent du doigt une apparente
dissociation </b> </span></p><p style="text-align: justify;"><span style="font-size: large;">entre les responsabilités statutaires et la réalité
opérationnelle. Les réclamations existent, bien que maintenues dans l'ombre
jusqu'à présent, laissant les Présidents soigneusement à l'écart de leurs
obligations responsables.</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><span style="font-size: large;"><b>Cette situation trouve une analogie dans ce que l'on qualifie couramment d'«
homme de paille »</b> : </span></p><p style="text-align: justify;"><span style="font-size: large;">d'un côté, un Président investi de toutes les
responsabilités selon les statuts, de l'autre, des dirigeants de fait, les
banquiers, opérant sous la couverture apparente du Président.</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><span style="font-size: large;"><b>Certes, le système semble efficace jusqu'à présent</b>, </span></p><p style="text-align: justify;"><span style="font-size: large;">mais la question
cruciale réside dans la façon dont le Président du tribunal correctionnel
interprétera cet optimisme des banquiers lorsque confronté à la désignation du
responsable en cas de délit d'usure avéré.</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><span style="font-size: large;"><b>Ainsi, un débat ouvert et nécessaire émerge,</b> </span></p><p style="text-align: justify;"><span style="font-size: large;">appelant à une étude minutieuse
et approfondie devant cette honorable Cour pour une décision éclairée et juste.
La responsabilité et la transparence des banques mutualistes sont désormais au
cœur de l'attention, soulevant des interrogations quant à la pérennité de leur
modèle.</span></p>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-33063821546882572652024-03-05T00:24:00.000-08:002024-03-05T00:24:15.476-08:00Pourquoi le Crédit Mutuel cache aux administrateurs bénévoles, leur responsabilité civile et pénale ?<p> </p><p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghGZVdu8zlgXNtZKgP9QjZebibGpA99EHtP46I1KZHXFvrxL9rZyUyT3LT09360Jav4UF5-cJTengLyOBkn0usNydymO8m-QaT6GYWCx9pyqfOrWzMIzcNo-2r0QQMzBE8jqutb8UkEjPbkNtjQS-CntR6wQCqAyGcJq02_hp-kgjypHWOJ8IuI5cL8S8/s1208/credit%20mutuel%20-.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="920" data-original-width="1208" height="305" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghGZVdu8zlgXNtZKgP9QjZebibGpA99EHtP46I1KZHXFvrxL9rZyUyT3LT09360Jav4UF5-cJTengLyOBkn0usNydymO8m-QaT6GYWCx9pyqfOrWzMIzcNo-2r0QQMzBE8jqutb8UkEjPbkNtjQS-CntR6wQCqAyGcJq02_hp-kgjypHWOJ8IuI5cL8S8/w400-h305/credit%20mutuel%20-.jpg" width="400" /></a></div><br /><p></p><p> <!--[if gte mso 9]><xml>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 5"/>
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</p><p style="text-align: justify;"><span style="font-size: large;"><b>Je souhaite aborder la polémique actuelle</b> entourant les responsabilités
pénales des administrateurs bénévoles des agences des banques mutualistes.</span></p>
<p style="text-align: justify;"><span style="font-size: large;"><b>Après recherche, les réponses obtenues sont nombreuses et souvent évasives.</b>
L'adage "interdire la question, c’est donner la réponse" semble
s'appliquer, suscitant des inquiétudes parmi ceux, comme moi, qui ont été
séduits par les valeurs du mouvement mutualiste.</span></p>
<p style="text-align: justify;"><span style="font-size: large;"><b>En tant qu'administrateur, je pensais représenter, protéger et défendre les
sociétaires</b> de la Caisse Locale. Cependant, les réclamations que nous
transmettons au Directeur sont souvent mal accueillies ou accompagnées
d'explications floues, éveillant des doutes légitimes.</span></p>
<p style="text-align: justify;"><span style="font-size: large;"><b>En Assemblée Générale, des interventions légitimes sont parfois ignorées,</b>
affirmant que ce n'est pas le lieu pour discuter de problèmes personnels. Ces
incidents soulèvent des interrogations légitimes sur notre rôle et nos
responsabilités.</span></p>
<p style="text-align: justify;"><span style="font-size: large;"><b>On nous dit que notre mission est de promouvoir la caisse locale et
d'inciter à l'ouverture de comptes</b>. Cependant, nos responsabilités en tant
qu'administrateurs dans le contexte associatif sont floues. En cas de plainte
pénale, malgré des explications confuses, la responsabilité semble reposer sur
nous, évoquant le terme "homme de paille".</span></p>
<p style="text-align: justify;"><span style="font-size: large;"><b>J'espère sincèrement me tromper et que vous pourrez prouver le contraire.</b> Je
redoute également de subir le sort d'un administrateur à Nîmes, exclu du
Conseil d'Administration pour son affiliation à une association de
consommateurs bancaires.</span></p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-71928126332263443672024-03-04T05:08:00.000-08:002024-03-04T05:08:45.149-08:00"L'Effroyable expansion du recouvrement de créance en France: une ombre mortelle plane sur les citoyens"<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRlGS7e7bUXetUjGYxKriCS8pWS8-JI24oU8Y08tnbF-_38nJ5y_DswvkRvC1kCUGwXAFewBQFiw8_BW9oMHtAsb812qSUO7jDAOY5OfRmYUV43f8GU3mcmoMP4hZ1LQ1Sjo0J2Jq5cdbzMlC614fTee9p2Y67e-9b9JFjCF4eSiBfoouK849p4Rti4rk/s800/expulsions-locatives-archives_1096303.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="529" data-original-width="800" height="265" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRlGS7e7bUXetUjGYxKriCS8pWS8-JI24oU8Y08tnbF-_38nJ5y_DswvkRvC1kCUGwXAFewBQFiw8_BW9oMHtAsb812qSUO7jDAOY5OfRmYUV43f8GU3mcmoMP4hZ1LQ1Sjo0J2Jq5cdbzMlC614fTee9p2Y67e-9b9JFjCF4eSiBfoouK849p4Rti4rk/w400-h265/expulsions-locatives-archives_1096303.jpeg" width="400" /></a></div><br /><p></p><p></p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"> </p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"><b><span style="font-size: 16.0pt; line-height: 130%;">"Harcèlement, Menaces et
Chantage: La jungle des créanciers sans scrupules et souvent imaginaires dévore
les victimes françaises"</span></b></p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"> </p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"> </p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"><b><span style="font-size: 14.0pt; line-height: 130%;">Dans l'obscurité de la crise
financière, une violence insoupçonnée prend racine en France</span></b>, </p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;">gangrenant les foyers
et anéantissant l'espoir des citoyens. Les témoignages se multiplient, révélant
l'enfer que représente le marché vorace de la créance imaginaire, orchestré par
des prédateurs sans foi ni loi.</p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"> </p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"><b><span style="font-size: 14.0pt; line-height: 130%;">Harcèlement implacable, dénigrement
au sein des entreprises et des quartiers</span></b>, </p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;">pressions
dévastatrices sur les familles, intimidations implacables, chantage abject :
tout est mis en œuvre pour extorquer les maigres subsides permettant aux
citoyens de survivre.</p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"> </p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"><b><span style="font-size: 14.0pt; line-height: 130%;">Cette spirale de violence conduit des
individus au bord du gouffre</span></b>,</p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;">poussant certains au
suicide, plongeant d'autres dans une dépression abyssale, et faisant éclater
des familles déjà fragilisées par la détresse financière.</p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"> </p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"><b><span style="font-size: 14.0pt; line-height: 130%;">La gravité de la situation est
exacerbée par des redressements économiques utopistes,</span></b> </p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;">où chaque citoyen est
lourdement ponctionné. Les mafias se sont emparées de ce chaos financier, se
ruant telle une nuée de vautours sur un peuple français déjà à l'agonie.</p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"> </p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"> </p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"><b><span style="font-size: 20.0pt; line-height: 130%;">Résumons l'effroyable réalité.</span></b></p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"> </p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"><b><span style="font-size: 14.0pt; line-height: 130%;">D'une dette contractée selon les
termes d'un prêt, émergent des difficultés insurmontables</span></b>. </p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;">Les démarches
initiales, bien que parfois pénibles, semblent être une étape nécessaire. Cependant,
les négociations directes avec les prêteurs et les recours légaux contre le
surendettement deviennent vains. Une règle d'or, l'article 1315 du code civil,
stipule que celui qui réclame une obligation doit en apporter la preuve.</p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"> </p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"><b><span style="font-size: 14.0pt; line-height: 130%;">Mais voici le point de non-retour, là
où l'angoisse s'intensifie.</span></b></p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;">Le juge annule
intérêts et même la dette, mettant fin à toute possibilité de recouvrement
judiciaire. Reste alors le recouvrement dit amiable, une jungle où les
créanciers sans scrupules se transforment en harceleurs impitoyables.</p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"> </p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"><b><span style="font-size: 14.0pt; line-height: 130%;">Des huissiers, témoins d'un conflit
d'intérêt permanent,</span></b></p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;">ou des cabinets de
recouvrement, rachètent à vil prix des créances jugées irrécouvrables par les
voies judiciaires. L'objectif : faire cracher le client par tous les moyens
possibles, plongeant les victimes dans un enfer de harcèlement indifférencié.</p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"> </p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;"><b><span style="font-size: 14.0pt; line-height: 130%;">À l'avenir, la situation s'assombrira
davantage</span></b>.</p>
<p style="line-height: 130%; margin: 0cm; text-align: justify;">Le traité
transatlantique, souvent évoqué, conduira à la privatisation de la justice. Ces
cabinets de recouvrement seront juges et exécuteurs, scellant le destin des
citoyens français dans une nuit sans fin. La fin de toute justice équitable
approche à grands pas.</p>
<p class="MsoNormal" style="line-height: 130%; margin-bottom: 0cm; text-align: justify;"> </p>
<p class="MsoNormal" style="line-height: 130%; margin-bottom: 0cm; text-align: justify;"> </p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-25071922177265164112024-03-03T00:23:00.000-08:002024-03-03T00:23:25.240-08:00Pourquoi la banque va refuser un prélèvement de 10€ pour débiter des frais pour 15€ ???<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLa3mFMFSpqET4dGlsaKuVVrNaHhwLKUAdU6SpFIwuQvnuThcX_OOzavQEjPmTs4t4CpiZFB9E66joA3On5rdDDsekEBqtFvWq2yeCJqODFgibvLs2UcksgVyw5FtzJOViXzSZZmXBWbKC_ZHN34TheFLk1RMtxRgSswvbQ02XNXtg8Qn9EBYuHGjzwfc/s326/tmp1D2A_009.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="257" data-original-width="326" height="315" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLa3mFMFSpqET4dGlsaKuVVrNaHhwLKUAdU6SpFIwuQvnuThcX_OOzavQEjPmTs4t4CpiZFB9E66joA3On5rdDDsekEBqtFvWq2yeCJqODFgibvLs2UcksgVyw5FtzJOViXzSZZmXBWbKC_ZHN34TheFLk1RMtxRgSswvbQ02XNXtg8Qn9EBYuHGjzwfc/w400-h315/tmp1D2A_009.png" width="400" /></a></div><br /><p></p><p style="text-align: justify;"><span style="font-size: x-large;"><em><b> </b></em></span></p><p style="text-align: justify;"><span style="font-size: x-large;"><em><b>Est-il normal que la banque augmente le découvert</b></em></span><span style="font-size: large;"><em> </em></span></p><p style="text-align: justify;"><span style="font-size: large;"><em>d'un compte en imposant des frais ? La réponse est clairement non, mais il semble que cette pratique soit monnaie courante dans le secteur financier.</em></span></p><p style="text-align: justify;"><span style="font-size: large;"><em> </em></span></p><p style="text-align: justify;"><span style="font-size: x-large;"><em><b>Pourtant, il est essentiel de comprendre la subtilité de cette situation</b></em></span><span style="font-size: large;"><em>, </em></span></p><p style="text-align: justify;"><span style="font-size: large;"><em>car quelques minutes d'attention pourraient vous faire économiser considérablement d'argent, que vous soyez client, juriste, avocat, juge ou employé de banque.</em></span></p><p style="text-align: justify;"><span style="font-size: large;"><em> </em></span></p><p style="text-align: justify;"><span style="font-size: x-large;"><em><b>Prenons un exemple concret </b></em></span><span style="font-size: large;"><em>: </em></span></p><p style="text-align: justify;"><span style="font-size: large;"><em>votre compte est à zéro, et un prélèvement de 10 euros se présente. La banque le refuse, mais vous impose des frais de 15 euros, laissant votre compte débiteur de 15€. Cette pratique est formellement interdite, mais pourquoi ?</em></span></p><p style="text-align: justify;"><span style="font-size: large;"><em> </em></span></p><p style="text-align: justify;"><span style="font-size: x-large;"><em><b>Une banque remplit deux rôles distincts</b></em></span><span style="font-size: large;"><em> : </em></span></p><p style="text-align: justify;"><span style="font-size: large;"><em>en tant que mandataire des paiements, elle effectue des transactions si la provision est suffisante, et en tant que dispensatrice de crédits, elle peut accorder ou refuser un crédit selon les termes de la convention de compte.</em></span></p><p style="text-align: justify;"><span style="font-size: large;"><em> </em></span></p><p style="text-align: justify;"><span style="font-size: x-large;"><em><b>Dans notre exemple, la banque refuse d'accorder un découvert</b></em></span><span style="font-size: large;"><em> </em></span></p><p style="text-align: justify;"><span style="font-size: large;"><em>de 10€, ce qui est dans son droit. Cependant, elle débite votre compte de 15€ au titre de "forfait de refus". Le tarif est légal, étant prévu dans la convention, mais le problème réside dans le fait que cette facture de 15€ doit être traitée comme n'importe quelle autre, créant une confusion juridique.</em></span></p><p style="text-align: justify;"><span style="font-size: large;"><em> </em></span></p><p style="text-align: justify;"><span style="font-size: x-large;"><em><b>Le banquier se trouve alors face à un dilemme</b></em></span><span style="font-size: large;"><em> </em></span></p><p style="text-align: justify;"><span style="font-size: large;"><em>supplémentaire : accorder ou non un découvert de 15€ pour payer cette facture de frais ? Il choisit d'accorder le découvert, laissant le compte débiteur de 15€.</em></span></p><p style="text-align: justify;"><span style="font-size: large;"><em> </em></span></p><p style="text-align: justify;"><span style="font-size: x-large;"><em><b>Ce qui pose problème,</b></em></span><span style="font-size: large;"><em> </em></span></p><p style="text-align: justify;"><span style="font-size: large;"><em>c'est que la banque ne fait pas la distinction entre son rôle de mandataire des paiements et de dispensateur de crédits. Cette confusion, intentionnellement maintenue par les programmes de formation internes, soulève des préoccupations légitimes quant à l'incompétence persistante au sein du secteur bancaire.</em></span></p>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-53425647007877566562024-03-02T03:39:00.000-08:002024-03-02T03:39:26.395-08:00Emission sur GPTV sur les fraudes des banques contre leurs clients<p> </p><div class="separator" style="clear: both; text-align: center;"><iframe allowfullscreen="" class="BLOG_video_class" height="266" src="https://www.youtube.com/embed/yPvXGrhA9As" width="320" youtube-src-id="yPvXGrhA9As"></iframe></div><br /><p></p>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-10721098298087330202024-03-02T02:37:00.000-08:002024-03-02T02:38:39.445-08:00Contre les banques, les juges sont notre dernier rempart. 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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
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<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
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<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
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<w:LsdException Locked="false" Priority="52"
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<w:LsdException Locked="false" Priority="46"
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<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
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<w:LsdException Locked="false" Priority="51"
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<w:LsdException Locked="false" Priority="52"
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<w:LsdException Locked="false" Priority="46"
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<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
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<w:LsdException Locked="false" Priority="51"
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<w:LsdException Locked="false" Priority="52"
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<w:LsdException Locked="false" Priority="46"
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<p></p><p style="text-align: justify;"><span style="font-size: x-large;"><b><span> </span><span> </span>Il est essentiel de ne pas laisser la Justice agir seule dans son travail.</b></span><span style="font-size: large;">
Je tiens à préciser que mes propos ne sont en aucun cas péjoratifs ni dirigés
contre les juges, bien au contraire. Je m'exprime ici sur la multiplication des
audiences au cours desquelles les magistrats doivent trancher des litiges
opposant les banques à leurs clients, en particulier concernant les accusations
d'usure et les demandes de remboursement des commissions d'intervention.</span></p>
<p style="text-align: justify;"><span style="font-size: x-large;"><b> </b></span></p><p style="text-align: justify;"><span style="font-size: x-large;"><b><span> </span><span> </span>Souvent, le client n'a pas correctement préparé son dossier</b></span><span style="font-size: large;">, évoque une
situation personnelle dramatique sans argument percutant ni déterminant. Dans
ces situations, l'avocat de la banque profite de l'occasion pour discréditer le
client, qui en ressort désabusé et écœuré. Il a le sentiment d'avoir été
trompé, incapable de s'exprimer comme il le souhaitait. Pire encore, il croise
l'avocat de la banque qui l'ignore complètement. Pour le banquier, le client
est insignifiant.</span></p>
<p style="text-align: justify;"><span style="font-size: x-large;"><b> </b></span></p><p style="text-align: justify;"><span style="font-size: x-large;"><b><span> </span><span> </span>Les crashs financiers peuvent être comparés aux crashs aériens</b></span><span style="font-size: large;">. Ils
nécessitent un expert compétent et expérimenté pour analyser la "boîte
noire" financière. Il est crucial de se concentrer sur les faits,
uniquement les faits. Que s'est-il réellement passé dans cette situation
précise ? Quels sont les chiffres et les éléments concrets de l'affaire ? Où
sont les reconstitutions ? Quelles formules ont été utilisées et quels ont été
les résultats ?</span></p>
<p style="text-align: justify;"><span style="font-size: x-large;"><b> </b></span></p><p style="text-align: justify;"><span style="font-size: x-large;"><b><span> </span><span> </span>Malheureusement, les avocats des banques évitent souvent ces considérations.</b></span><span style="font-size: large;">
Ils se contentent d'avancer des arguments tirés de jurisprudences, sans
rencontrer de contradiction de la part du client et de son avocat.</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><span style="font-size: x-large;"><b><span> </span><span> </span>Un exemple récent illustre cela </b></span><span style="font-size: large;">: l'avocat de la banque évoque, avec
lyrisme, un arrêt de cassation du 8 février 2014, prétendant clairement que les
commissions ne sont pas incluses dans le calcul du TEG. Il se rassoit ensuite,
souriant, lançant un regard à la banque comme pour dire : "Voyez comme je
suis compétent, pensez à moi pour vos prochains dossiers." Cependant, le
détail crucial est que l'arrêt de cassation affirme exactement le contraire,
renforçant ainsi l'argument du client. Malheureusement, cela passe inaperçu.</span></p><p style="text-align: justify;"><span style="font-size: large;"> </span></p>
<p style="text-align: justify;"><span style="font-size: x-large;"><b><span> </span><span> </span>C'est pourquoi une préparation minutieuse du dossier par un expert est
essentielle. </b></span><span style="font-size: large;">Ces arguments fallacieux, déclamés avec assurance, ne sont pas
nombreux et peuvent être facilement réfutés, à condition d'être correctement
défendu.</span></p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-2315370932029677582024-02-28T01:06:00.000-08:002024-02-28T01:06:28.204-08:00L'"erreur de paramétrage" de la Société Générale est un système utilisé par toutes les banques<p><span style="font-size: large;"></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-size: large;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjNVsS6N3Gkjwf2R1LGZu5noTp1undu48IpTS_kpQsklYwsc8297EsYYa58Z6J4hUjAPcfEu69_9BwWisZ0__hWNhhwqDHBvtHtTlIdLNsq2Uq3f-3Dtt83ad05MsX4yXd564IsdyC0v8Dlx_iqYLTdKOWfDrvi1KUKVWsMXvpR3KdVxl8PceIv1t_nOQw/s1600/le-feu-a-devaste-le-chalet-ou-se-trouvait-la-banque-1440678626.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1064" data-original-width="1600" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjNVsS6N3Gkjwf2R1LGZu5noTp1undu48IpTS_kpQsklYwsc8297EsYYa58Z6J4hUjAPcfEu69_9BwWisZ0__hWNhhwqDHBvtHtTlIdLNsq2Uq3f-3Dtt83ad05MsX4yXd564IsdyC0v8Dlx_iqYLTdKOWfDrvi1KUKVWsMXvpR3KdVxl8PceIv1t_nOQw/w400-h266/le-feu-a-devaste-le-chalet-ou-se-trouvait-la-banque-1440678626.jpg" width="400" /></a></span></div><span style="font-size: large;"><br /> Suite à l'affaire de la Société Générale, les répressions des fraudes d'autres départements sont sollicités. La Gironde, la Mayenne, la Meurthe et Moselle.</span><p></p><p><span style="font-size: large;">Les clients commencent à comprendre que la "simple erreur de paramétrage" de la Société Générale est e fait un système organisé pratiqué par toutes les banques.</span></p><p><span style="font-size: large;">L'objectif: prélever sans limite des "commissions d'intervention". Et ça marche. </span></p><p><span style="font-size: large;">6 milliard par an.<br /></span></p><p><span style="font-size: large;">Et ça marche, sauf pour ceux qui réagissent.</span></p><p><span style="font-size: large;"><b>Messieurs les banquiers, réagissez autrement que par le mépris pour vos clients.</b></span></p><p><span style="font-size: x-large;"><b>Y a le feu !!! </b></span><br /></p><p><br /></p>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-29804939351050038302024-02-27T01:36:00.000-08:002024-02-27T01:37:38.312-08:00Metz : nouvelles allégations de falsification de taux d'intérêt<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiruadq9D0sBmRo9a-JpcmVcMH_Vm2fNPrEZ-QupM4U3YSHL6ARmX9HJtM3uvpwwwjC4fpyTTv_qsIUAasTKL3Whyx3Ka_5EPBUyMjLU9CzqJJ9D3uTKrv7xRepM02g1uV4BkbZ8DGcDqhdpZDBLfNmMqdH8t9y2Ly8TuA4Ky-aquIncW0tb-DnkyCJ_vE/s1940/porte-allemands-nuit.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="970" data-original-width="1940" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiruadq9D0sBmRo9a-JpcmVcMH_Vm2fNPrEZ-QupM4U3YSHL6ARmX9HJtM3uvpwwwjC4fpyTTv_qsIUAasTKL3Whyx3Ka_5EPBUyMjLU9CzqJJ9D3uTKrv7xRepM02g1uV4BkbZ8DGcDqhdpZDBLfNmMqdH8t9y2Ly8TuA4Ky-aquIncW0tb-DnkyCJ_vE/w400-h200/porte-allemands-nuit.jpg" width="400" /></a></div><br /><br /><p></p><div class="flex flex-grow flex-col max-w-full"><div class="min-h-[20px] text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words [.text-message+&]:mt-5 overflow-x-auto" data-message-author-role="assistant" data-message-id="18ecd5dd-577f-485b-9639-81b4a57b90dd"><div class="markdown prose w-full break-words dark:prose-invert light"><p><span style="font-size: large;"><b>Un vent de méfiance souffle sur le secteur bancaire à Metz,</b> alors qu'un client de la Banque Populaire dénonce publiquement des pratiques douteuses. Selon ses allégations, la banque aurait falsifié la programmation du logiciel responsable du calcul et de l'affichage du Taux Annuel Effectif Global (TAEG).</span></p><p><span style="font-size: large;"><b>Après les récentes affaires en Eure et Loir et en Corrèze</b>, c'est au tour des autorités de la répression des fraudes de Moselle d'être saisies de cette affaire inquiétante.</span></p><p><span style="font-size: large;"><b>L'onde de choc provient des aveux récents de la Société Générale</b>, qui a admis une "erreur de programmation" et accepté de payer une amende colossale de 4,5 millions d'euros. Depuis lors, chaque client scrute minutieusement ses relevés bancaires à la recherche d'indices similaires.</span></p><p><span style="font-size: large;"><b>Une constatation frappante émerge</b> : la masse des "commissions d'intervention" semble curieusement absente du calcul du TAEG, soulevant des questions sur la transparence des pratiques bancaires.</span></p><p><span style="font-size: large;"><b>À la suite de l'affaire Société Générale,</b> de nombreux clients reçoivent des courriels les incitant à vérifier attentivement leurs comptes. Les résultats sont uniformes et suscitent une inquiétude croissante parmi les titulaires de compte.</span></p><p><span style="font-size: large;"><b>Un expert financier qualifie la situation de "véritable hémorragie interne"</b>, soulignant l'urgence d'une enquête approfondie pour établir la véracité des allégations et protéger les intérêts des clients. </span></p><p><span style="font-size: large;"><b>La pression monte sur les autorités de la répression des fraudes de Moselle </b>pour faire la lumière sur cette affaire qui risque de secouer davantage la confiance du public dans le secteur bancaire local.</span></p></div></div></div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-41564139517450281812024-02-26T02:34:00.000-08:002024-02-26T02:34:11.009-08:00Scandale des "erreurs de programmation": Une grande banque mutualiste épinglée à son tour<div class="flex flex-grow flex-col max-w-full"><div class="min-h-[20px] text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words [.text-message+&]:mt-5 overflow-x-auto" data-message-author-role="assistant" data-message-id="d9476a11-9fb2-46b8-8f85-d53950a132ea"><div class="markdown prose w-full break-words dark:prose-invert light"><p><strong></strong></p><p><strong> </strong></p><div class="separator" style="clear: both; text-align: center;"><strong><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhR6UlgqR929rC_RDSOjU_0X_QRjRXVPhooZsESSseN7A5YF711QX3Za5coslIlb-conyVl8U4fX86HezjNNii22vPZIQ5P6I1r0IrpPuwuxmrEihHGzOiDL9yMFx6XFokeRjnTLNaMtwWkPC19c-7eBVUWhImUHhLcR3Hox7VlzLzGx1iUhsxci6Y0qpQ/s275/images.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="183" data-original-width="275" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhR6UlgqR929rC_RDSOjU_0X_QRjRXVPhooZsESSseN7A5YF711QX3Za5coslIlb-conyVl8U4fX86HezjNNii22vPZIQ5P6I1r0IrpPuwuxmrEihHGzOiDL9yMFx6XFokeRjnTLNaMtwWkPC19c-7eBVUWhImUHhLcR3Hox7VlzLzGx1iUhsxci6Y0qpQ/w640-h426/images.jpg" width="640" /></a></strong></div><strong><br /></strong><p></p><p><strong><span style="font-size: large;">"Dans le Lot et Garonne, on bouffait du banquier..."</span></strong></p><p><span style="font-size: large;"><b>Une nouvelle alerte vient de frapper le secteur bancaire</b> français alors qu'un deuxième signalement a été transmis aux autorités de répression des fraudes d'Agen. Cette fois-ci, c'est la Banque Populaire Occitane qui est pointée du doigt, rejoignant ainsi le rang des établissements accusés pour des pratiques commerciales douteuses, un écho troublant à l'affaire récente à Chartres.</span></p><p><span style="font-size: large;"><b>L'accusation porte sur ce que les experts décrivent comme des "pratiques commerciales trompeuses"</b>, mettant en lumière une "erreur dans la programmation du logiciel". Une problématique qui semble déjà toucher trois banques et qui affecte directement les clients. La source du problème réside dans le calcul des "commissions d'intervention" par le logiciel, qui omet de les prendre en compte dans le calcul du taux effectif global.</span></p><p><span style="font-size: large;"><b>Le résultat est un taux annoncé artificiellement bas,</b> masquant le véritable TEG (Taux Effectif Global) et laissant ainsi les clients dans l'ignorance. Cette défaillance rappelle étrangement le scandale qui a ébranlé l'industrie automobile, où certains constructeurs minimisaient délibérément les taux d'émissions toxiques.</span></p><p><span style="font-size: large;"><b>Pour les clients, les conséquences peuvent être considérables,</b> affectant leur portefeuille de manière significative. Si le problème venait à être découvert à grande échelle, les banquiers pourraient faire face à des conséquences bien plus sérieuses que de simples remontrances. </span></p><p><span style="font-size: large;">L'espoir réside maintenant dans le fait que les clients lésés ne prennent pas conscience de cette manipulation, sinon, les conséquences financières pourraient être dévastatrices pour les institutions bancaires concernées. La confiance du public, déjà mise à l'épreuve, pourrait subir un nouveau coup sévère, mettant en lumière les failles dans le système financier actuel. Affaire à suivre.</span></p><p><span style="font-size: large;"><b>Néanmoins, il serait conseillé aux banquiers d'Agen, de ne pas trop forcer sur les pruneaux. Ce qui les attend aura un effet diurétique certain. <br /></b></span></p></div></div></div><p></p>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-63305195293776832242024-02-25T04:11:00.000-08:002024-02-25T04:11:59.283-08:00Un Sociétaire du Crédit Mutuel de Chartres signale sa banque auprès de la répression des fraudes.<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTbRlrCCi-yApiOg0NEIyebxt9yncRkkkyhqh-d4bRbcBW_DQkPrW6JR4oLUdoBx19SoyZ4rUCSKQ9zaGrFPv7i3VmaqZDG-J3YtPz69Hn0xAM1wCfvwjcDDJxqDN9LLsmHsTkne-4Y43YSM6TqiyTDkLTS3fMwhruvYIErwb1kmVdTgn_s72b_i8N2RE/s200/dgccrf.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="200" data-original-width="200" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTbRlrCCi-yApiOg0NEIyebxt9yncRkkkyhqh-d4bRbcBW_DQkPrW6JR4oLUdoBx19SoyZ4rUCSKQ9zaGrFPv7i3VmaqZDG-J3YtPz69Hn0xAM1wCfvwjcDDJxqDN9LLsmHsTkne-4Y43YSM6TqiyTDkLTS3fMwhruvYIErwb1kmVdTgn_s72b_i8N2RE/w400-h400/dgccrf.jpeg" width="400" /></a></div><br /><p></p><p>Un Sociétaire du Crédit Mutuel de Chartres contraint de signaler sa banque auprès de la répression des fraudes.</p><p>Il faut aussi rappeler à tous que le fait de ne pas effectuer de signalement équivaux à une non dénonciation de crimes et délits.</p><p>Voici le courrier:</p><p> </p><p><!--[if gte mso 9]><xml>
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</p><p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;">DDETSPP</p>
<p class="MsoNormal" style="margin-bottom: 0cm;">Cité administrative</p>
<p class="MsoNormal" style="margin-bottom: 0cm;">28019 CHARTRES CEDEX</p>
<p class="MsoNormal" style="margin-bottom: 0cm;"> </p>
<p class="MsoNormal" style="margin-bottom: 0cm;">Le 26 février 2024</p>
<p class="MsoNormal" style="margin-bottom: 0cm;"> </p>
<p class="MsoNormal" style="margin-bottom: 0cm;">Recommandé et accusé réception</p>
<p class="MsoNormal" style="margin-bottom: 0cm;"> </p>
<p class="MsoNormal" style="margin-bottom: 0cm;"><b><span style="font-size: 16.0pt; line-height: 107%;">Dénonciation du Crédit Mutuel de Chartres</span></b></p>
<p class="MsoNormal" style="margin-bottom: 0cm;"><b><span style="font-size: 16.0pt; line-height: 107%;">pour pratiques commerciales trompeuses.</span></b></p>
<p class="MsoNormal" style="margin-bottom: 0cm;"> </p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;">Une expertise
indépendante <span lang="RU" style="mso-ansi-language: RU;">a</span> mis en lumière
une pratique commerciale trompeuse au Crédit Mutuel de Chartres. Le logiciel
chargé de calculer et d’afficher le TAEG, taux annuel effectif global, n’a pas
été correctement programmé.</p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"> </p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"><b>Ainsi, la
banque annonce </b></p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"> </p>
<div style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-element: para-border-div; padding: 1.0pt 4.0pt 1.0pt 4.0pt;">
<p class="MsoNormal" style="border: none; margin-bottom: 0cm; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm; text-align: justify;">Pour
le 1<sup>er</sup> trimestre 2023, un TAEG pour mes découverts de 8,36% alors
qu’il est de 17,23%</p>
<p class="MsoNormal" style="border: none; margin-bottom: 0cm; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm; text-align: justify;">Pour
le 2<sup>ème</sup> trimestre 2023, un TAEG pour mes découverts de10.22% alors
qu’il est de 16,63%</p>
<p class="MsoNormal" style="border: none; margin-bottom: 0cm; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm; text-align: justify;">Pour
le 3ème<sup>r</sup> trimestre 2023, un TAEG pour mes découverts de 10.54% alors
qu’il est de 21,62%</p>
<p class="MsoNormal" style="border: none; margin-bottom: 0cm; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm; text-align: justify;">Pour
le 4<sup>ème</sup> trimestre 2023, un TAEG pour mes découverts de 11.03% alors
qu’il est de 19.66%</p>
</div>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"> </p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;">Ceci concerne
2023 et les calculs sont en cours pour les années précédentes. Il s’avère que
cette différence perdure depuis l’ouverture du compte en 2012. </p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"> </p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"> </p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"><b>Explications</b></p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"><b> </b></p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;">Dans le
programme, le calcul du TAEG se fait en 4 phases.</p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"> </p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;">1°) Intérêts
proportionnels : rapports montants des découverts, durée et taux nominal.</p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;">2°) Additions
des « commissions d’intervention » liées à la décision d’accorder les
découverts.</p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;">3°) Addition
des montants 1 et 2, égal le coût global des découverts.</p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;">4°) Calcul du
rapport proportionnel entre l’utilisation et le coût global : le TAEG.</p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"> </p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"> </p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"><b>La faute du
Crédit Mutuel :</b></p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"><b> </b></p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;">Dans la
deuxième phase, le montant des frais fixes est toujours égal à zéro.
L’algorithme ignore les commissions d’intervention.</p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"> </p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"> </p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"><b>Confirmation
du service commercial de la banque :</b></p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"><b> </b></p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;">Dans sa réponse
à notre interrogation sur la nécessité d’inclure les commissions d’intervention
dans le calcul, le Crédit Mutuel confirme sans ambigüité que ces commissions
sont bien directement liées aux découverts. (Réponse du 12 février 2024 à ma
requête, référencée JQ2024/54305829 )</p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"> </p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><i>« dans le cas où une opération se présenterait sur le compte en
l’absence d’une provision suffisante et disponible ou d’un ordre conforme du
client<b><u>, l’examen particulier conduisant à son paiement ou à son rejet</u></b>
donnera lieu à un prélèvement d’une commission d’intervention conformément au
recueil des prix des principaux produits et services ».</i></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"> </p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;">En suivant ce raisonnement, cette « commission
d’intervention » alourdit le coût du découvert et en augmente
mécaniquement le taux. Ceci est une loi mathématique qu’aucun jugement ne peut
défaire. Ce raisonnement a été confirmé à 24 reprises par les tribunaux qui ont
condamné la banque.</p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"> </p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">08/03/22
Trib proxi Haguenau / Banque Populaire<span style="mso-spacerun: yes;">
</span><span style="mso-tab-count: 2;"> </span>8.440€</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">07/01/21
Trib com Marseille / SMC<span style="mso-tab-count: 2;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 2;"> </span>6.500€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">19/11/20
Trib judic Brest / Crédit Agricole<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 2;"> </span>3.917€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">12/02/20
Trib com Agen VS Banque Populaire<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 2;"> </span>2.538€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">22/09/14,
Trib proxi Paris 12 / BNP <span style="mso-tab-count: 2;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 2;"> </span>1.000€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">23/03/12
Trib inst Marseille / Caisse Epargne<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 2;"> </span>8.548€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">10/07/19
Trib com Laval / Banque Populaire<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 2;"> </span>20.542€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">13/06/19
Trib inst Lyon / LCL<span style="mso-tab-count: 2;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 3;"> </span>12.755€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">17/06/19
Trib com Castres / Crédit Agricole<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 2;"> </span>11.922€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">11/03/19
Trib inst Brest / Banque Populaire<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 2;"> </span>4.197€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">22/03/18
Cour Appel Paris / HSBC <span style="mso-tab-count: 2;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 2;"> </span>3.240€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">23/01/18
Trib inst Orange / CIC<span style="mso-tab-count: 2;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 3;"> </span>1.637€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">21/12/17
Trib inst Guingamp / Banque Populaire<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>2.622€<span style="background: yellow; color: black; mso-color-alt: windowtext;"> </span></span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">17/11/17
Cour Appel Paris / Banque Populaire<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 2;"> </span>43.287€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">12/06/17
Trib inst St Benoit / Banque de la Réunion<span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>???</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">05/05/17
Cour Appel Paris / Banque Populaire<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 2;"> </span>26.982€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">17/03/17
Trib prox Alençon / Banque Populaire<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>518€ </span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">02/11/16
Trib proxi Pantin / LCL<span style="mso-tab-count: 2;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 3;"> </span>3.674€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">23/11/15
Trib gd inst Toulouse / Banque Populaire<span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>5.088€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">07/05/15
Cour Appel Paris / BNP<span style="mso-tab-count: 2;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 2;"> </span>3.935€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">22/09/14
Trib proxi Thionville / Banque Populaire<span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 2;"> </span>2.530€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">21/05/14
Tribunal inst Douai / Banque Populaire<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>309€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">26/05/14
Trib com Lyon / LCL<span style="mso-tab-count: 2;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 3;"> </span>18.576€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">23/12/11
Trib inst Ivry / Banque Populaire<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>588€
</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"> </span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0cm; text-align: justify;">Il est à noter que je suis défendu par l’avocate et l’expert qui ont
obtenus ces résultats. Dans une affaire identique, la répression des fraudes de
Nanterre a constaté la même « erreur » contre la Société Générale.</p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"> </p>
<div style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-element: para-border-div; padding: 1.0pt 4.0pt 1.0pt 4.0pt;">
<p class="MsoNormal" style="border: none; margin-bottom: 0cm; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 1.0pt 4.0pt; padding: 0cm; text-align: justify;"><b>Je
demande à être remboursé de toutes les commissions d’intervention prélevées sur
mon compte depuis son ouverture, en 2012.</b></p>
</div>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;"> </p>
<p class="MsoNormal" style="margin-bottom: 0cm; text-align: justify;">Avec l’expert
et l’avocate, je suis à votre disposition pour participer à un débat
contradictoire que vous voudriez bien organiser avec les responsables de la
banque. Vous aurez alors tous les éléments pour prendre votre décision.</p>
<p class="MsoNormal" style="margin-bottom: 0cm;"> </p>
<p class="MsoNormal" style="margin-bottom: 0cm;">Restant à votre disposition et
avec mes sincères salutations.</p>
<p class="MsoNormal" style="margin-bottom: 0cm;"><span style="font-size: 12.0pt; line-height: 107%;"> </span></p>
<p><br /></p>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-47133373460431368092024-02-09T04:26:00.000-08:002024-02-09T04:26:26.086-08:00La peine de mort existe toujours, ce sont les tribunaux du commerce qui la prononcent<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhb-gJe3675bI6uqrsAN0rSB_jlHeIOjsVJ84cL0unYzPBvGxi-eft6Gz2qqJOtLSxWh7plEydHWNMqk4maz8Yi1TXSm65jCfBHSSVsg8m4vfiooYzi4AolGdvIHagP_sf4wzhR2WTtxbm9XtiLyrosPyuXKUhBgQz9XK_lgcXqT4BVZUvb3yepPfFu33M/s954/Capture%20d%E2%80%99%C3%A9cran%202024-02-09%20131326.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="954" data-original-width="816" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhb-gJe3675bI6uqrsAN0rSB_jlHeIOjsVJ84cL0unYzPBvGxi-eft6Gz2qqJOtLSxWh7plEydHWNMqk4maz8Yi1TXSm65jCfBHSSVsg8m4vfiooYzi4AolGdvIHagP_sf4wzhR2WTtxbm9XtiLyrosPyuXKUhBgQz9XK_lgcXqT4BVZUvb3yepPfFu33M/w548-h640/Capture%20d%E2%80%99%C3%A9cran%202024-02-09%20131326.png" width="548" /></a></div><br /><!--[if gte mso 9]><xml>
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<p><span style="font-size: large;"><b>Au crépuscule de notre civilisation</b>, le spectre de la guillotine demeure,
impalpable, insidieux, perdu dans les dédales des tribunaux du commerce. Il y a
quarante-trois années de cela, la France proclamait l'abolition de la peine de
mort, une avancée apparente vers l'humanité. Mais l'étau de la fatalité
persiste, métamorphosé, caché dans les rouages complexes de la justice
contemporaine.</span></p>
<p><span style="font-size: large;"><b>L'imposant marqueur de la guillotine </b>a été effacé, banni des rituels
macabres, mais la sentence de mort persiste, s'insinue dans les méandres de
tribunaux d'affaires où la tragédie se joue dans l'ombre des transactions
financières.</span></p>
<p><span style="font-size: large;"><b>Le peuple, autrefois à l'abri des jugements </b>ultimes en Cour d'Assise, se
voit désormais confronté à une justice déguisée. Les peines capitales ne
s'énoncent plus dans le clair-obscur des salles de jugement, mais dans les
arcanes des transactions commerciales.</span></p>
<p><span style="font-size: large;"><b>Approximativement seize mille âmes s'éteignent</b> chaque année de leur propre
chef, un nombre équivalent aux victimes de la Grande Terreur, gravée dans
l'histoire de 1793 et 1794. Le mystère de l'auto-extinction hante les esprits,
émergeant telle une fleur noire au sein des pensées de nos concitoyens.</span></p>
<p><span style="font-size: large;"><b>Une étude, prétendument garante de vérité, </b>prête à éclairer le funeste
phénomène. Cependant, la vérité réside dans la simplicité. Les suicides,
masqués sous des motifs affectifs ou dépressifs, cachent une vérité bien plus
sombre.</span></p>
<p><span style="font-size: large;"><b>Dans le passé, en réaction à ces tragédies,</b> j'ai osé soumettre aux autorités
judiciaires, sous leur stricte supervision, l'examen des dossiers bancaires des
victimes. Une requête toujours vaine, malgré les appuis prestigieux.</span></p>
<p><span style="font-size: large;"><b>La raison de ce refus trahit une réalité amère</b>. Les institutions bancaires,
érigées souvent en hors-la-loi, privent leurs clients de tout moyen de
subsistance, forçant ainsi le passage vers la porte de la mort. Des récits
poignants pullulent, tel celui de deux couples égarés par des escrocs,
complices des banques. Leurs existences déchues, leurs demeures confisquées,
leurs revenus anéantis. Leur crime ? Inexistant. Mais dans l'ombre, c'est la
responsabilité des banques qui s'impose, écrasante, inhumaine.</span></p>
<p><span style="font-size: large;"><b>Un tribunal du commerce, déclarant la sentence </b>"au nom du peuple
français", scelle le destin de ces âmes éperdues.</span></p>
<p><span style="font-size: large;"><b>Les autorités restent dubitatives ? </b>Accordez-moi, alors, les dossiers
bancaires des prochains suicidés, et je dévoilerai l'identité du bourreau, dans
cette pièce tragique où la mort se joue au nom du peuple.</span></p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-34102670913012391362024-02-07T09:08:00.000-08:002024-02-07T09:08:42.615-08:00<p> </p><div class="separator" style="clear: both; text-align: center;"><iframe allowfullscreen="" class="BLOG_video_class" height="266" src="https://www.youtube.com/embed/yPvXGrhA9As" width="320" youtube-src-id="yPvXGrhA9As"></iframe></div><br /><p></p><p>Explications détaillées du mécanisme des commissions d'intervention et mise en place d'une call action visant à en obtenir le remboursement.</p><p>Contactez moi sur gerard.kapper@gmail.com</p>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-6800370779744481082024-02-05T02:04:00.000-08:002024-02-05T02:04:33.442-08:005 février 2008 à 2024, 16 ans d'escroqueries cachées<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigxJTbcWrpHMfSp6cXbENxmaPc5mb78RD9Ce42zo_7HvuCQAp9IQ7vWgALGfdkO5ucJfxKGkJO6Lm-5jX2TjXuzY43vV3Ga-FBqwxpsMlv3RwTF8emGh1ZIHnP8xyv2t-aj8SRBjNWdFn6OaLb0Cce2IBXtXf7Yhl96jThGYLPfyXTUxAHOgt_DMYOoWc/s730/Kanarienvogel.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="505" data-original-width="730" height="276" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigxJTbcWrpHMfSp6cXbENxmaPc5mb78RD9Ce42zo_7HvuCQAp9IQ7vWgALGfdkO5ucJfxKGkJO6Lm-5jX2TjXuzY43vV3Ga-FBqwxpsMlv3RwTF8emGh1ZIHnP8xyv2t-aj8SRBjNWdFn6OaLb0Cce2IBXtXf7Yhl96jThGYLPfyXTUxAHOgt_DMYOoWc/w400-h276/Kanarienvogel.jpg" width="400" /></a></div><br /><p><br /></p><p><br /></p><p> <span style="color: #374151; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; white-space-collapse: preserve;">Le 5 février 2008, la Cour de Cassation déclare haut et fort que les "frais de forçage" doivent être pris en compte dans le calcul du taux effectif global, infligeant ainsi une gifle financière aux banques qui doivent rembourser leurs clients.</span></p><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(217, 217, 227); box-sizing: border-box; color: #374151; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 1.25em 0px; white-space-collapse: preserve;">C'est le branle-bas de combat dans les cerveaux bancaires. "Comment faire grimper les frais de découvert sans que le taux ne fasse du saut à l'élastique ?"</p><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(217, 217, 227); box-sizing: border-box; color: #374151; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 1.25em 0px; white-space-collapse: preserve;">Une illumination surgit de cette tempête cérébrale désespérée.</p><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(217, 217, 227); box-sizing: border-box; color: #374151; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 1.25em 0px; white-space-collapse: preserve;">La Cour de Cassation pointe du doigt les "frais de forçage", alors changeons le nom et personne n'y verra que du feu.</p><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(217, 217, 227); box-sizing: border-box; color: #374151; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 1.25em 0px; white-space-collapse: preserve;">C'est ainsi que les "frais de forçage" ont fait un relooking spectaculaire pour devenir les "commissions d'intervention".</p><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(217, 217, 227); box-sizing: border-box; color: #374151; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 1.25em 0px; white-space-collapse: preserve;">On ne peut pas entrer dans un tribunal avec un cheval. Mais si vous dites que ce n'est pas un cheval mais un canari, tout est permis. Personne ne verra venir la supercherie.</p><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(217, 217, 227); box-sizing: border-box; color: #374151; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 1.25em 0px 0px; white-space-collapse: preserve;">Malin, ces banquiers quand même...</p>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-83845109424872122322024-01-25T02:19:00.000-08:002024-01-25T02:19:27.340-08:00Une banque vient de rembourser ses clients des « commissions d’intervention ». Etes-vous concerné ?<p class="MsoNormal"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJ_UZ7HppGgtUkfmr4DijSVNkSIVlvwa6z8oqKTqBs_HUOv3W3k9dY8TBLilHM_flizY9KttLCcdALfRJV0GFACYNXDdiHkR-iFHLnj87UKViWGpXCEdNkSdm5rt2GfGqDPe2pLWZW2MtTxzE5uMJUBupqA1wTXYHNCbvNiGMBeubRgFRQpEjdsRRDag4/s1000/casino.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="680" data-original-width="1000" height="272" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJ_UZ7HppGgtUkfmr4DijSVNkSIVlvwa6z8oqKTqBs_HUOv3W3k9dY8TBLilHM_flizY9KttLCcdALfRJV0GFACYNXDdiHkR-iFHLnj87UKViWGpXCEdNkSdm5rt2GfGqDPe2pLWZW2MtTxzE5uMJUBupqA1wTXYHNCbvNiGMBeubRgFRQpEjdsRRDag4/w400-h272/casino.jpg" width="400" /></a></div><br /> <p></p>
<p class="MsoNormal">La raison ? Une « erreur de paramétrage informatique ». <br /></p>
<p class="MsoNormal">Votre banque a-t-elle commis cette même « erreur » ? <br /></p>
<p class="MsoNormal">Très simple. Si vous payez des « commissions d’intervention »
et si le taux effectif global annoncé en début de chaque trimestre est
inférieur à 18 %, alors oui, votre banque a commis la même erreur. <br /></p>
<p class="MsoNormal">Pour vous faire rembourser de toutes les « commissions
d’intervention » depuis l’ouverture du compte (et ça fait de sacrées
sommes), il vous faut monter un dossier. <br /></p>
<p class="MsoNormal">Envoyez-moi un mail avec vos coordonnées sur « gerard.kapper@gmail.com »
et je vous donnerais des précisions.</p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-82001142994694993782024-01-23T04:38:00.000-08:002024-01-23T06:57:03.553-08:004,5 millions d’amende pour la Société Générale. Les autres banques vont suivre.<p><span style="font-size: medium;"> </span><!--[if gte mso 9]><xml>
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</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiNeeZ0Z7K80iiYMpgJkQ-5zObMv1aY4KUA43Jgtr_sPIvAl_jW422qGFjolpl4jfQad9Q3_KdmM-ArRQ0EZ7f3EB-0vm27PaYy7NVCPlCt49E3SPmCosgyo3AR39iKnIGRpr0W42I9sRHTsAMYhGxdDphesxM2nptjQLg1XMdm0C8xc33SQiSLwjmadZQ/s586/s-l400.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="412" data-original-width="586" height="281" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiNeeZ0Z7K80iiYMpgJkQ-5zObMv1aY4KUA43Jgtr_sPIvAl_jW422qGFjolpl4jfQad9Q3_KdmM-ArRQ0EZ7f3EB-0vm27PaYy7NVCPlCt49E3SPmCosgyo3AR39iKnIGRpr0W42I9sRHTsAMYhGxdDphesxM2nptjQLg1XMdm0C8xc33SQiSLwjmadZQ/w400-h281/s-l400.jpg" width="400" /></a></div><br />
<p class="MsoNormal"><span style="font-size: medium;"> </span></p>
<p class="MsoNormal"><span style="font-size: medium;">Les faits reprochés sont « erreur de paramétrage informatique »
ayant provoqué des « prélèvements de commissions d’intervention non justifiés »</span></p>
<p class="MsoNormal"><span style="font-size: medium;"> </span></p>
<p class="MsoNormal"><span style="font-size: medium;">Enfin, comme l’avait été le « DIESELGATE », le « BANKERGATE »
est maintenant reconnu par la justice. Encore que celle-ci parle d’une « erreur
de paramétrage ». A noter que toutes les banques ont fait la même erreur
en même temps et qu’en conséquence, les commissions d’intervention sont
prélevées de manière anarchique.</span></p>
<p class="MsoNormal"><span style="font-size: medium;"> </span></p>
<p class="MsoNormal"><span style="font-size: medium;">Depuis 15 ans, je communique sur ce sujet. Les tribunaux que
nous sollicitions reconnaissaient la faute et donnaient systématiquement raison
au client.</span></p>
<p class="MsoNormal"><span style="font-size: medium;"> </span></p>
<p class="MsoNormal"><span style="font-size: medium;">Seulement les banques continuaient dans cette voie « trop
rentable pour être illégale ».</span></p>
<p class="MsoNormal"><span style="font-size: medium;"> </span></p>
<p class="MsoNormal"><span style="font-size: medium;">Outre une intense communication sur ce sujet (près de 2.000
articles dans le blog en 15 ans). Nonobstant une première démonstration dans
mon livre « le livre noir de la banque » paru en 2010 et les « commissions
d’intervention » devant paraître ce mois-ci, malgré d’innombrables
courriers aux banques, celles-ci restaient de marbre.</span></p>
<p class="MsoNormal"><span style="font-size: medium;"> </span></p>
<p class="MsoNormal"><span style="font-size: medium;">En 2018, j’ai écrit un courrier circonstancié aux services départementaux
de la Répression des Fraudes. Nouveau courrier circulaire en 2021. Ces
correspondances étaient accompagnées d’une étude chiffrée des mouvements sur un
compte de client. </span></p>
<p class="MsoNormal"><span style="font-size: medium;">Cette étude démontrait de manière irréfutable que le
logiciel avait été volontairement mal programmé par toutes les banques, bien
que je ne citais qu’un cas à la Générale.</span></p>
<p class="MsoNormal"><span style="font-size: medium;">Je n’ai pas l’âme d’un dénonciateur, mais vous pouvez désormais
m’appeler « la balance commerciale ».</span></p>
<p class="MsoNormal"><span style="font-size: medium;"> </span></p>
<p class="MsoNormal"><span style="font-size: medium;">Explication technique. Le logiciel chargé de calculer et d’afficher
le Taux Effectif Global trimestriel, se compose de deux parties.</span></p>
<p class="MsoNormal"><span style="font-size: medium;">La première calcule les intérêts, soit le loyer de l’argent.
Rapport proportionnel montant/durée/taux nominal des découverts.</span></p>
<p class="MsoNormal"><span style="font-size: medium;">La seconde partie de l’algorithme va additionner les
commissions d’intervention et rajoute la somme obtenue aux intérêts
proportionnels.</span></p>
<p class="MsoNormal"><span style="font-size: medium;">Ce coût global (intérêts plus frais) donne le coût des
découverts.</span></p>
<p class="MsoNormal"><span style="font-size: medium;">Et le logiciel va recalculer le TEG en tenant compte de ce
coût global.</span></p>
<p class="MsoNormal"><span style="font-size: medium;"> </span></p>
<p class="MsoNormal"><span style="font-size: medium;">L’erreur des banques est d’avoir mis zéro à la place du
montant des frais. Et toutes les banques ont commis la même erreur. Et personne
ne s’en est aperçu dans les banques. Tu parles…</span></p>
<p class="MsoNormal"><span style="font-size: medium;"> </span></p>
<p class="MsoNormal"><span style="font-size: medium;">Aujourd’hui, une banque est condamnée pour ce fait. C’est
une victoire et une grande satisfaction pour nous.</span></p>
<p class="MsoNormal"><span style="font-size: medium;"> </span></p>
<p class="MsoNormal"><span style="font-size: medium;">Ainsi, les procédures communes que nous avons lancé en
janvier s’enrichisse d’une formidable jurisprudence.</span></p>
<p class="MsoNormal"><span style="font-size: medium;"> </span></p>
<p class="MsoNormal"><span style="font-size: medium;">Alors, messieurs les banquiers, chers collègues et
confrères, vous seriez bien inspiré de répondre favorablement aux demandes de
remboursement de commissions d’intervention. </span></p>
<p class="MsoNormal"><span style="font-size: medium;">Vous éviterez ainsi </span></p>
<p class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"><span style="font-size: medium;"><span><span>-<span style="font-family: "Times New Roman"; font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-optical-sizing: auto; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-variation-settings: normal; font-weight: normal; line-height: normal;">
</span></span></span>le remboursement des intérêts, </span></p>
<p class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"><span style="font-size: medium;"><span><span>-<span style="font-family: "Times New Roman"; font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-optical-sizing: auto; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-variation-settings: normal; font-weight: normal; line-height: normal;">
</span></span></span>le remboursement des lettres info chèque, </span></p>
<p class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"><span style="font-size: medium;"><span><span>-<span style="font-family: "Times New Roman"; font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-optical-sizing: auto; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-variation-settings: normal; font-weight: normal; line-height: normal;">
</span></span></span>le coût de votre avocat, </span></p>
<p class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"><span style="font-size: medium;"><span><span>-<span style="font-family: "Times New Roman"; font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-optical-sizing: auto; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-variation-settings: normal; font-weight: normal; line-height: normal;">
</span></span></span>la mobilisation de votre service juridique</span></p>
<p class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"><span style="font-size: medium;"><span><span>-<span style="font-family: "Times New Roman"; font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-optical-sizing: auto; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-variation-settings: normal; font-weight: normal; line-height: normal;">
</span></span></span>le remboursement de notre avocat, </span></p>
<p class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"><span style="font-size: medium;"><span><span>-<span style="font-family: "Times New Roman"; font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-optical-sizing: auto; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-variation-settings: normal; font-weight: normal; line-height: normal;">
</span></span></span>les dommages et intérêts </span></p>
<p class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo1; text-indent: -18.0pt;"><span style="font-size: medium;"><span><span>-<span style="font-family: "Times New Roman"; font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-optical-sizing: auto; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-variation-settings: normal; font-weight: normal; line-height: normal;">
</span></span></span>ainsi qu’une amende phénoménale.</span></p>
<p class="MsoNormal"> </p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-56447882831005626542024-01-18T02:32:00.000-08:002024-01-18T02:32:36.886-08:00Comment des banques masquent leurs malversations en achevant leurs clients<p> </p><div class="separator" style="clear: both; text-align: center;"><iframe allowfullscreen="" class="BLOG_video_class" height="266" src="https://www.youtube.com/embed/NAg__GjnWMA" width="320" youtube-src-id="NAg__GjnWMA"></iframe></div><br /><p></p>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-27148189496297782992024-01-17T02:33:00.000-08:002024-01-17T02:33:45.292-08:00Les banquiers et leur ballet du découvert: Une invention géniale de mouvement perpétuel<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAEIRqhfPzUyDsPMP8LH3Rhyphenhyphen5i8dIX1A-1OV5NJQQNH87qoY3WPPoTFpmjkA2exet3cb2AU_NUAz4r1mkOfV-SHbRmSCzeYZ4ebqPqfVZ4M2fSgtbP_zDbLwMBJLdpTV4xyhuscOSFkBT8wdtNAiOuFePREzBDxAEENhbmHHqYzklq8mW0u4-W5-MynNs/s1500/qqool4k3.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1500" data-original-width="1500" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAEIRqhfPzUyDsPMP8LH3Rhyphenhyphen5i8dIX1A-1OV5NJQQNH87qoY3WPPoTFpmjkA2exet3cb2AU_NUAz4r1mkOfV-SHbRmSCzeYZ4ebqPqfVZ4M2fSgtbP_zDbLwMBJLdpTV4xyhuscOSFkBT8wdtNAiOuFePREzBDxAEENhbmHHqYzklq8mW0u4-W5-MynNs/w400-h400/qqool4k3.jpg" width="400" /></a></div><br /> <!--[if gte mso 9]><xml>
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UnhideWhenUsed="true" QFormat="true" Name="heading 3"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 4"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 5"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 6"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 7"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 8"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 9"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 9"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 2"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 3"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 4"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 5"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 6"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 7"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 8"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 9"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="footnote text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="header"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="footer"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index heading"/>
<w:LsdException Locked="false" Priority="35" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="table of figures"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="envelope address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="footnote reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="table of authorities"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="1" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
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<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
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<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
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<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
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<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
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<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
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<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
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<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
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<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
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<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
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<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
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<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
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<p></p><p><strong></strong></p>
<p><span style="font-size: medium;"><b>Les banquiers, ces artistes méconnus de la finance,</b> ont récemment révélé
leur talent caché : l'invention du mouvement perpétuel financier ! C'est une
symphonie absurde où le client est la star malheureuse d'un ballet de
découverts incessants.</span></p>
<p><span style="font-size: medium;"><b>Imaginez cette scène : un client, innocent,</b> découvre que son compte
ressemble plus au désert qu'à une mine d'or. Mais au lieu de proposer des
solutions simples comme payer en espèces, notre banquier en chef décide de
pimenter les choses.</span></p>
<p><span style="font-size: medium;"><b>Il annonce fièrement </b>: "Eh bien, mon cher client, vous venez de gagner
le droit à une facturation spéciale pour compte squelettique !" Et hop,
voilà que le compte vide se transforme en un terrain de jeu pour la vente
forcée de crédits. C'est comme si le banquier organisait une braderie, mais au
lieu de remises, il offre des découverts à tout va.</span></p>
<p><span style="font-size: medium;"><b>Mais là où le banquier devient le Shakespeare de la finance</b>, c'est lorsqu'il
déclare que le découvert n'est pas autorisé. Une pirouette verbale digne d'un
cirque financier ! C'est tellement brillant que ça en devient comique.</span></p>
<p><span style="font-size: medium;"><b>Bien sûr, notre banquier ne s'arrête pas là. </b>Il enchaîne avec une nouvelle
danse de facturation, cette fois-ci pour des frais d'intervention pour un
découvert soi-disant non autorisé. On se demande s'il a suivi des cours de
comédie en plus de ses études en économie.</span></p>
<p><span style="font-size: medium;"><b>Et la cerise sur le gâteau :</b> le client, en sueur, tente désespérément de
régler sa facture. Mais au lieu de lui offrir une palette de choix de paiement,
le banquier insiste pour lui accorder un nouveau crédit, transformant ainsi le
compte en une piste de danse infinie.</span></p>
<p><span style="font-size: medium;"><b>C'est comme une version financière du film "Inception"</b> : un crédit
dans un crédit, dans un autre crédit. On pourrait presque appeler ça la
"Banqueption". Et pendant que le client tourne en rond dans cette
farce financière, on se demande : quand est-ce que ce tourbillon d'absurdité
s'arrêtera ?</span></p>
<p><span style="font-size: medium;"><b>Peut-être par l'arrivée de l'huissier, </b>ou d'une saisie spectaculaire ?
Peut-être lorsque le client, épuisé par ce numéro, décide de clore le rideau
sur son activité, précipitant sa propre déchéance financière, voire même son
autodestruction ? Les banquiers, ces virtuoses du rire jaune et de la tragédie
financière !</span></p>
<p class="MsoNormal"><span style="font-size: medium;"> </span></p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7207785741366063716.post-72533764330501438382024-01-15T02:29:00.000-08:002024-01-15T02:29:06.508-08:00Pourquoi les banques sont terrorisées par mes rapports ?<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgS_HN2gT3RMbq-UU61fo_6ty67QHECqkjQqTn7t7fWeDxPboxDxBwi33ecAHRXwE4Gh1-uXPjce4SA8DI1frAw1MZ36Uj5repJ84XIfZO3pcR9v39-PZr8XjyulzDkT8wnTXl031Mi2ITR3g9AgMkJOukWhazTDtO2f0wsXtJVtgB-8oEY0EI8-_fpsgU/s970/n-ayez-plus-peur-de-vos-angoisses.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="485" data-original-width="970" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgS_HN2gT3RMbq-UU61fo_6ty67QHECqkjQqTn7t7fWeDxPboxDxBwi33ecAHRXwE4Gh1-uXPjce4SA8DI1frAw1MZ36Uj5repJ84XIfZO3pcR9v39-PZr8XjyulzDkT8wnTXl031Mi2ITR3g9AgMkJOukWhazTDtO2f0wsXtJVtgB-8oEY0EI8-_fpsgU/w400-h200/n-ayez-plus-peur-de-vos-angoisses.jpeg" width="400" /></a></div><br /><!--[if gte mso 9]><xml>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 6"/>
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<p></p><p style="line-height: 150%; margin: 0cm;"><strong> <span style="font-size: 14.0pt; line-height: 150%;"> <br /></span></strong></p>
<p style="line-height: 150%; margin: 0cm;"><strong><span style="font-size: 14.0pt; line-height: 150%;">Depuis quinze ans, j’ai établi des centaines</span></strong><strong><span style="font-size: 14.0pt; font-weight: normal; line-height: 150%;"> de reconstitution
de compte et autant de rapports.</span></strong></p>
<p style="line-height: 150%; margin: 0cm;"><strong><span style="font-size: 14.0pt; font-weight: normal; line-height: 150%;"> </span></strong></p>
<p style="line-height: 150%; margin: 0cm;"><strong><span style="font-size: 14.0pt; line-height: 150%;">Jamais une banque n’a pu les contredire</span></strong><strong><span style="font-size: 14.0pt; font-weight: normal; line-height: 150%;"> ni présenter au
tribunal une contre analyse. Les banques se contentent d’attaquer son auteur et
de récuser en bloc lesdits rapports.</span></strong></p>
<p style="line-height: 150%; margin: 0cm;"><strong><span style="font-size: 14.0pt; font-weight: normal; line-height: 150%;"> </span></strong></p>
<p style="line-height: 150%; margin: 0cm;"><strong><span style="font-size: 14.0pt; line-height: 150%;">Alors pourquoi les banques ont si peur</span></strong><strong><span style="font-size: 14.0pt; font-weight: normal; line-height: 150%;"> de mes études ?
La réponse est très simple. Ce sont des chiffres et des calculs. </span></strong></p>
<p style="line-height: 150%; margin: 0cm;"><strong><span style="font-size: 14.0pt; font-weight: normal; line-height: 150%;"> </span></strong></p>
<p style="line-height: 150%; margin: 0cm;"><strong><span style="font-size: 14.0pt; font-weight: normal; line-height: 150%;">Les chiffres, c’est comme la mort dans « le
Colonel Chabert ». </span></strong></p>
<p style="line-height: 150%; margin: 0cm;"><strong><span style="font-size: 14.0pt; font-weight: normal; line-height: 150%;"> </span></strong></p>
<p style="line-height: 150%; margin: 0cm;"><strong><span style="font-size: 14.0pt; line-height: 150%;">« Les chiffres, c’est rouge, et puis c’est bleu, et puis
c’est froid. Et par-dessous tout, ça devient un silence… ! Les chiffres, c’est
un silence de mort. ».</span></strong></p>
<p style="line-height: 150%; margin: 0cm;"><strong><span style="font-size: 14.0pt; font-weight: normal; line-height: 150%;"> </span></strong></p>
<p style="line-height: 150%; margin: 0cm;"><b><span style="font-size: 14.0pt; line-height: 150%;">Une cliente de la Banque Populaire</span></b><span style="font-size: 14.0pt; line-height: 150%;"> m’a récemment mandaté une expertise
approfondie sur le coût de ses découverts et le TEG qui en découle. </span></p>
<p style="line-height: 150%; margin: 0cm;"><span style="font-size: 14.0pt; line-height: 150%;"> </span></p>
<p style="line-height: 150%; margin: 0cm;"><b><span style="font-size: 14.0pt; line-height: 150%;">Spécialistes de ce genre d'analyses</span></b><span style="font-size: 14.0pt; line-height: 150%;">, j’ai entrepris la reconstitution
minutieuse de la vie du compte au quotidien, passant en revue chaque frais pour
déterminer s'il est lié ou non au découvert. Le résultat est un rapport complet
de 174 pages, comprenant 61 pages d'explications et 113 pages de calculs.</span></p>
<p style="line-height: 150%; margin: 0cm;"><span style="font-size: 14.0pt; line-height: 150%;"> </span></p>
<p style="line-height: 150%; margin: 0cm;"><b><span style="font-size: 14.0pt; line-height: 150%;">Les chiffres parlent d'eux-mêmes</span></b><span style="font-size: 14.0pt; line-height: 150%;"> : les découverts ont engendré des
coûts s'élevant à 23 238,47€, avec un taux inhérent moyen de 286,24%. Une
situation financière alarmante que la cliente souhaite porter devant les
tribunaux.</span></p>
<p style="line-height: 150%; margin: 0cm;"><span style="font-size: 14.0pt; line-height: 150%;"> </span></p>
<p style="line-height: 150%; margin: 0cm;"><b><span style="font-size: 14.0pt; line-height: 150%;">Cependant, la Banque Populaire</span></b><span style="font-size: 14.0pt; line-height: 150%;">, confrontée à ce rapport détaillé,
n'a qu'une seule arme : discréditer l'auteur.</span></p>
<p style="line-height: 150%; margin: 0cm;"><span style="font-size: 14.0pt; line-height: 150%;"> </span></p>
<p style="line-height: 150%; margin: 0cm;"><b><span style="font-size: 14.0pt; line-height: 150%;">Les experts internes de la banque</span></b><span style="font-size: 14.0pt; line-height: 150%;"> reconnaissent la précision du
rapport, émanant de la même école de pensée. L'avocat de la banque n'a alors
qu'une option : récuser le rapport en attaquant l'auteur, une tactique qui a
déjà réussi à quatre reprises, mettant fin aux procédures.</span></p>
<p style="line-height: 150%; margin: 0cm;"><span style="font-size: 14.0pt; line-height: 150%;"> </span></p>
<p style="line-height: 150%; margin: 0cm;"><b><span style="font-size: 14.0pt; line-height: 150%;">Cependant, cette stratégie ne peut être efficace</span></b><span style="font-size: 14.0pt; line-height: 150%;"> indéfiniment. Avec une cinquantaine
de dossiers similaires, la banque ne peut ignorer la pertinence de ces
analyses.</span></p>
<p style="line-height: 150%; margin: 0cm;"><span style="font-size: 14.0pt; line-height: 150%;"> </span></p>
<p style="line-height: 150%; margin: 0cm;"><b><span style="font-size: 14.0pt; line-height: 150%;">Malgré plusieurs tentatives de médiation</span></b><span style="font-size: 14.0pt; line-height: 150%;">, la banque a refusé tout dialogue
direct. À court de solutions internes, ils ont fait appel à un cabinet parisien
spécialisé en calculs de risques pour les assurances, démontrant un manque
évident de compétence en matière bancaire.</span></p>
<p style="line-height: 150%; margin: 0cm;"><span style="font-size: 14.0pt; line-height: 150%;"> </span></p>
<p style="line-height: 150%; margin: 0cm;"><b><span style="font-size: 14.0pt; line-height: 150%;">Le rapport de ce cabinet, basé sur des données erronées</span></b><span style="font-size: 14.0pt; line-height: 150%;">, conclut que les calculs de la
banque sont essentiellement corrects, remettant en question la validité du
rapport initial.</span></p>
<p style="line-height: 150%; margin: 0cm;"><b><span style="font-size: 14.0pt; line-height: 150%;"> </span></b></p>
<p style="line-height: 150%; margin: 0cm;"><b><span style="font-size: 14.0pt; line-height: 150%;">Face à cette situation,</span></b><span style="font-size: 14.0pt; line-height: 150%;"> l'auteur du premier rapport a présenté une
contre-expertise détaillée à l'avocate de la cliente. Cela vise à démontrer au
tribunal la justesse de ses calculs, mettant en lumière la simplicité et
l'approximation du nouveau rapport.</span></p>
<p style="line-height: 150%; margin: 0cm;"><span style="font-size: 14.0pt; line-height: 150%;"> </span></p>
<p style="line-height: 150%; margin: 0cm;"><b><span style="font-size: 14.0pt; line-height: 150%;">En guise de conclusion</span></b><span style="font-size: 14.0pt; line-height: 150%;">, l'auteur lance un appel de sagesse aux dirigeants de la
Banque Populaire. Il souligne que cette stratégie de discrédit ne peut perdurer
et que la confrontation devant le tribunal pourrait se révéler dommageable.
Avec plusieurs dossiers similaires en attente, il propose un dialogue
constructif entre spécialistes pour éviter des coûts inutiles en frais
d'avocat, d'expertise, et autres dépenses liées au litige juridique.</span></p>
<p class="MsoNormal" style="line-height: 150%; margin-bottom: 0cm;"><span style="font-size: 14.0pt; line-height: 150%;"> </span></p>
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