Now, finally, since the 1st of July this year there is the long announced and long-desired P account. Now everybody can keep an account without having to be afraid that urgently required money must be impounded and a protracted release process be waited. So the theory. But how does the conversion of the reorganisation look now actual?
„For a long time, before the government has transformed the new law finally, the query was already big after the „protected account“. Till then I had to put off my clients always that is not foreseeable, when this is transformed long ago overdue parliamentary bills, finally. And now where it is so far, my customers properly run to me the booth one around to the popular new account to agree.“
But how does it stand now really with the new account? Where and how I receive reliable information? And above all what must I do to receive one of the popular accounts? And is there anything else what I must know?
Basically every bank is obliged, his customers sucked an available account in one. To convert P account. Then, however, this means in the conclusion that of course first of all an account must exist. Who disposes currently of no current account, that stands of course first before the problem to open generally an account. Even if many banks are ready meanwhile also financially weak people an account to arrange, only the savings banks are still really obliged as public service corporations moreover. However, the banks have committed themselves in the way of the selfliability to arrange a credit account to every person. However, unfortunately, this selfliability has not got about long ago to all banks, so that it depends, nevertheless, in many cases, unfortunately, on the negotiating skill of the customers whether the bank opens an account or not. As soon as an account is given, the step to the P account then basically, however, is light. The conversion in a P account has to follow free of charge what is also kept by the banks.
In practice the whole thing then in some places, nevertheless, looks different again. Some banks tell her customer that they were entitled only to such an account when they are already impounded, or even only when you are already in the consumer’s insolvency. Wrong, knows sollicitor. It is right that really every one claim to such an account has. And, besides, it also makes no difference whether the really danger of a seizure consists or is the knowledge even in an insolvency.
It is important that every person may lead of course only one single P account. This is also interrogated about the General Credit Protection Agency. Also a common P account is not allowed. This means that even married couples have to keep two separated accounts.
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