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registration FICP. How

It Two cases FICP registration.

You are late in repaying a loan

You entered a debt commission

You are registered if it is a payment incident characterized, that is to say if

You overdue corresponding to the amount of two deadlines a refundable credit for monthly

Your late payment exceeds 60 days, for a refundable credit deadlines other than monthly

You still need at least EUR 500 after 60 days notice for credit without staggered maturities (overdraft, for example)

A credit institution started legal proceedings against you or pronounce the "event of default, which means that you must repay your loan immediately in its entirety.

In all these cases, the institution must notify you. You then have one month to

Regularize. If you do not within that period, he will ask the Bank of France to sign up FICP . The registration period is now 5 years .

In this case, how to get out of FICP?

You must have repaid the arrears,

In case of acceleration, you have repaid all amounts you owe.

The credit institution will ask the Bank of France deleting your registration FICP .

You entered a debt commission

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http://banque-de-france-interditbancaire.blogspot.com/

You are logged in FICP by the commission upon the posting of your file and indebtedness throughout its treatment.

For the duration of conventional plan of reorganization (within 10 years) when you have such a plan,

For the duration of the restoration measures ( within 10 years) when the commission recommended and the judge agreed to such measures,

For the moratorium period (within two years) if the Commission recommended and the judge accepted a moratorium of your debts,

For a period of ten years when the commission recommended and the judge accepted a partial erasure of your debts

For a period of eight years when you've been a personal recovery proceedings or a bankruptcy in the civil departments of Bas-Rhin, Haut-Rhin and Moselle.

In this case, how to get out of FICP?

You must first pay all amounts you owe to your creditors. These you establish proof of payment that you will give Bank of France . This will remove then your registration FICP . When clearing your debts by a judge to remain enrolled FICP .

FICP Registration to alert credit institutions on the risk that may represent the granting you credit. It forbids you not, in principle, to receive a credit .

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out of Central Cheque (FCC)? You are logged in

You can request the e EBV ban bank

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http://rachatcreditinterditbancaire.blogspot.com/

or exit Central Register of checks e s soon as you come clean, that is to say:

• you have paid all your outstanding checks,
• And you have paid all penalties.
Once the situation is resolved, the bank has rejected your check must send you a certificate of regularization.
You can regularize your situation during the entire time you are prohibited checkbook. It's your bank that asks the Bank of France within two days following the presentation of evidence, suppression Your registration Central Cheque.

The ban will be lifted and you do not go out of Central Cheque (FCC) and National register of Irregular Cheques (FNCI) until you have adjusted well to all your accounts.


How rectify a dishonored check?

You can do this in three ways: •
either you fund your account and ask the recipient to check his bank account,
• either you pay the beneficiary directly in cash, and you return your check, and to prove your payment, you must return the check to your bank,
• either you pay your bank the amount of the unpaid check and ask him to stop writing for a year this amount on your account pending a new presentation.
Should we pay penalties?
You normally pay a penalty to the Treasury for each dishonored check. This penalty increases with the amount outstanding. It is at least 5 euros. This penalty is doubled if 3 adjustments have already occurred within 12 months.
Penalties must be resolved in the form of stamps.
You do not pay any penalty to the Treasury:
if you set your NSF checks within two months after receiving a letter from your bank,
and if you have not delivered Other NSF within 12 months prior.
note, your bank may also charge you a fee for returned checks.

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FICP? Banking banned?

You are logged in FICP? Banking banned? Carrying costs of your current loans strangle you, various debts to his accumulated?

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Find all the answers to your questions about prohibited and prohibition of credit bank, Bank of France, FCC, FICP, check the outstanding revolving loans, debt, have defaulted on debt consolidation ...

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Questions Answers:

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.