1) In what situation you get banned accounts? And what follows the so-called prohibition?
You made a NSF , the bank refused the check in question, therefore you became prohibited banking.
This means that you can not use your payment methods: such as use or check or credit card payment Visa, Mastercard ... You also can not perform an act of bank payment if your situation has become serious.
Thus, it is so hard to react when we find ourselves in this mess. No bank wants to follow you, and financial institutions tend to avoid you because your bank prohibits became registered in the central file checks to Bank of France, and all financial institutions will be informed of your banking ban.
Therefore, your bank not be applied to all accounts, all banks and even if you have a joint account and one account holder will be also prohibits bank , but it will be extended to accounts of personal responsibility.
2) Prohibits banking Your account is blocked it completely?
No! You can use a minimum banking service within the limits negotiated with your banker, you can retain the use of an ATM card , obtain statements of account, transfer funds and request samples. You can also, at your request, keep the use of certified checks or bank checks.
But beware the prices of all these services is charged.
3) Can I open an account for a prohibited banking?
You have the right to open an account at a bank or post office. This opening comes after you have returned to the lending institution of your choice, a sworn statement attesting that you have an account. But from the first refusal, you can ask the Bank of France you designate a bank or financial services the Post Office.
The designated bank or post office will have to you open an account. Any establishment or failing the credit institution designated by the Bank of France , undertakes to provide his client, whatever its situation, at least the basic banking services. The right to an account is maintained in case of payment incident.
Any decision to close has taken the initiative of the designated facility, must be reasoned and written notification to the customer and the Bank of France .
4) In case of improper banking ban, what should we do?
In case of ban abusive credit, you can challenge as it may sometimes happen that, after a bank error or an employer, an account is found in the open and that its owner is prohibited banking . In this case, the bank has ten days following the request of his client to rectify the situation with the Bank of France.
5) What period of prohibited banking?
Generally, the bank prohibits lasts five years however it is possible to regulate, however, that adjustment must be reached in the earlier possible, otherwise it will not be accepted
6) You have issued a bad check, what should we do to avoid becoming banned accounts?
Even you have issued a bad check , you have one last chance before becoming prohibited banking, in fact, the French legislature has provided that you are entitled to 30 days to pay the beneficiary directly the check, in parallel providing proof to your bank in the form of canceled checks from the previous beneficiary.
Thus, your payment of the check in 30 days, will save you from becoming banking prohibited.
7) Where to go for information?
For further information, please contact a branch of the Banque de France.
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