Formerly the employer paid the employee in an envelope, utilities were forced to hire a collector who had to travel to your home to collect and all companies had customer service office closest to you so you should not spend money on travel or telephone calls. For your part, you were paying in cash, without generating financial costs or the seller or yourself (the letters were missing almost an exception.) When you navigated to a financial institution to open an account only you could provide interest, they wanted captarte at all costs. Even lend you money all were easy. Well, as today, the directors always asking you to prove you did not need the loan to podértelo give, that has not changed. But on this happy
bank that is to win something money, born a Machiavellian idea of \u200b\u200bdominating the world, if not more, to dominate our lives. Start by offering credit cards with no fees charged by 4% to the seller. At first, many sellers do not accept, but the tourist arrivals in hand with them were forced to accept, as a result, prices rose. Some offered stoop if you were paying the price in cash, others charge you 4% if you were paying by card. The bank found that a serious affront and went to court with the advantage of having the power of money. If the judges did not give them the reason, they could always make them change the law ... and they did. On the other hand these credit cards created heavy indebtedness in some families ended up getting rid of them was born and apparently less damaging other cards, and debit cards. At first debit cards had not commission, but that incident was linked to another bank at the time.
In the seventies, some foreign multinationals had forced employees to open a bank account to collect on it, in the eighties was generalized to domestic firms. Seemed advantageous because you had to carry the money over, but the bosses abandoned the weekly payment by the monthly interest they posed a retention of capital to their respective interests. In that time became common requests for advances by the workers. These borrowings were a great breeding ground for credit cards and personal loans, which benefited directly from the banks.
At the same time, utilities were the heavens opened and began to ask for account numbers to their clients to collect by bank draft, supposedly they took care of the cost of transfer as it saved the wages of collector. Along with these undertakings, others rushed to this form of recovery that gave security safer to get the money, if your account has remained in the red and charge you you pay the respective interests of the bank, there was no way to delay the payment a few days if the liquid money was about to arrive to you. The fence is closed.
One day we find that our money was totally virtual and was at the mercy of bank computers. That day the bank began its final blow. He began to charge fees for credit cards, by the fact that they charged us things directly to our account (when it was supposed to already charged), the maintenance of accounts, likewise, required to keep money in their circuits We reduced the minimum interest. To achieve the target agreed with the authorities who were given our data so that we attach when necessary (for them). Now you get paid for every letter we sent, usually filled with its own advertising, and had no return payments made to us, even though they were not allowed to descontárnoslos. If you steal credit card or debit card are not responsible and is worse than when they had the money on, is not limited, at least for the chorizo. We have to pay and shut up.
But the last and has no name. Now, if you do not use credit cards, they send you home a Gold VISA (limit 6000 €) by mail and you just have activated a call. If you come into the hands of another person without scruples 're ready.
If we pay a maintenance fee for our accounts is logical that we have control over them. But, as we are seeing is not so. The average citizen has unprotected virtual money. It is as if our money were sheep and the banker, who is a true wolf in economic issues, was the only pastor approved of our animals ... poor things! Today
banks have emerged that claim not to charge you some of those costs for services you did not ask in their day and you had to take, but how long they last. Mere tricks of competition that we should not hesitate to take advantage, but demonstrate the logic of what say. It would be better than imposed by law.
It is possible that banks can not "survive" (the quotes are by the irony) without paying the little things. In that case, the law should allocate those costs among those who have been forced to generate. The utilities (water, gas, electricity, telephone ...) on your bill should have a fixed discount fee that covers maintenance of accounts (including mail, possible refunds, transfers ...). If a month does not have to charge us anything (with the least-they have invented is difficult) should continue to return the fee. This would also be very useful with telecommunication companies which tend to make up invoices undue blanket.
respect to payroll debit the same: the company must pay an extra payroll debit because it is who you really save money by not decanting liquid.
regard to credit and debit cards, the only beneficiaries are the financial companies, and must therefore disappear quotas on these wretched cards.
Everything else is stealing our daily. Please allow us to take our money under the mattress, should be compensated for it. And do not be fooled when they say you are free to do whatever they want with their money, try it and see the amount of euros that are on the road.
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