A recent ruling by the Court of Bolzano has confirmed that at the change in economic conditions of the current account (the bank will increase eg . the monthly management account for 4 to 5 € or The Committee on the performance of a bank) to the customer is allowed to withdraw from the agreement, without payment of any penalty and therefore without the payment of any expenses of extinction within 15 days from the date on which the changes are known.
Remember this, because this is the right time and probably cheaper to get away, forgive the bank!
But how do you know when the bank will change the conditions of our account? First, it is always worth checking account statements, especially those who are sent every three months and report the counts of "regular accounts are closed" account: here are summarized in operating expenses and charged to the accounts are closed in the quarter. Together with the possible monthly fee, these are items that do cost more attention. But the changes may relate to other items, for example. the interest rate or fees or overdraft charges on credit or on those utilities.
Another way is then to check very carefully the cd. summary of the main contract terms: it is a document, also composed of two to three pages the bank is obliged by law to send you at least once a year, but has not said that I can not do two or three times. The moment of transmission of this important document is different from bank to bank, but often coincides with the beginning or the end of the year. So you should pay attention at this time!
In any case, remember that you have 15 days from the time of the amendments to the bank to communicate (preferably in writing by registered mail) its willingness to withdraw, before which the bank can not ask any penalty and therefore not any expense of extinction.
0 comments:
Post a Comment