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What is prohibited banking:

prohibited bank is what: two cases arise

http://savoir-si-on-est-interdit-bancaire.blogspot.com

1. prohibited bank in case of issuing a bad check

If you issue a check without having your account corresponding sum or an overdraft from your bank, you may fall within the scope of a banking prohibited. Here are the basic principles of this device, which, since the Act of December 30, 1991, is an essential instrument for the prevention and repression of bad checks.

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 bank note for 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 suspension of banking .

Therefore, your bank prohibits 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 Personal responsibility.

2. prohibited bank in case of difficulties in the repayment of a loan

Why approach?

Because, at the hearing of any application for credit, the lender asks systematically national register of incidents reimbursement Individual Credit (FICPI), managed by the Banque de France to verify if the applicant is registered or not.

This file has been created by the Act of 31 December 1989 on the prevention and resolution of problems related to over-indebtedness of individuals and families, is supplied by credit agencies, banks and financial services of the Post who enroll persons for whom an incident occurred in the repayment of a loan (he meant by "credit" a bank overdraft, deferred payment card, or a refundable credit by maturity).

Before enrollment, the lender must notify, by mail, the defaulter will be entered in that FICP and it has a period of one month to regularize the payment incident.

How to approach this ?

You can tell if you're stuck in FICP, by which agency and for what reason, by visiting any branch of the Banque de France with a piece of identity.

1 era • assumption: you are stuck in FICP

In this case, refer to the description of the operation of FICP attached to verify that your registration is valid.

If you disagree with your inclusion in the FICP, the approach to the organization that is responsible for registration, asking for explanations and discharge (cancellation) of that entry.

If you do not get satisfaction, you can enter the National Commission on Informatics and Freedoms by mail (21 Rue Saint Guillaume - 75340 PARIS Cedex 07), by providing all relevant documents, so it should intervene, if any, with the body that you entered in FICP .

Be aware that the CNIL has no jurisdiction to make an assessment of the amount of the claim that your claim is claimed. The sole mission of the CNIL is to verify that the conditions for registration are met FICP (nature of the payment incident, date and terms of registration).

2 th • assumption: you are not stuck in FICP

You're not stuck to FICP but you were denied credit and want an explanation.

Know, first, that no text does a lender to provide the grounds for denial of credit . It is not required to explain the reason that led him to deny you credit. Indeed, there is no law in France credit and the lender has complete freedom whether to grant credit to a person (Article 1101 Civil Code).

You however have some means obtain guidance on what could cause a denial of credit.

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prohibited bank and the Bank of France: How

The Bank of France, http://banque-france-interdit-bancaire.blogspot . com

Provides centralized Delinquency checks written on insufficient funds, bans banks from issuing checks hitting consistently account holders at the origin of these incidents, and bans issuing checks imposed by the courts (say "legal prohibitions" ).

The Bank of France informs selectively institutions account holders of any bank or legal prohibitions imposed on their customers by colleagues. To this end, the Bank of France was allowed to examine the file bank accounts (Ficoba) managed by Branch taxes, to identify all accounts held by a person check ; it also informs the same way institutions corrections made by their customers on their other accounts .

The legislature has entrusted the Bank of France care to identify:
- Delinquency called "characterized" as recorded on loans granted to individuals to finance non-professional,
- the filings

commissions indebtedness , http://commissiondesurendettement.blogspot.com/

- the conventional measures and judicial treatment of over-indebtedness (including personal recovery measures introduced by Act No. 2003-710 1 August 2003),
- civil judgments rendered in the bankruptcy department of Alsace and Moselle.

prohibited banking and FICP

SEND YOU:

http://interdit-bancaires-ficp.blogspot.com/

http://fichier-interdit-bancaire.blogspot.com/

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

What is the file FICP?

The F ile National I ncidents reimbursement C REDITS to P rivate identifies people who have difficulties in repaying a loan that they have contracted, including when the credit comprises an overdraft. It is implemented by the Banque de France and its existence is provided by articles L. 333-4 and L.333-5 of the Consumer Code. Its operation is set by Regulation No. 90-05 as amended, the committee of banking regulation.

What serves FICP?

credit agencies, banks and financial services of the Post interview the FICP each time a person applies for a credit. If the person is stuck, the credit will be denied in principle.

When are enrolled in the FICP?

If you are the author of a payment incident characterized. Consisting of such persons:

Who did not pay 2 monthly payments Consecutive their credit or are receivable in the amount of monthly payment of a double, followed by Justice for failure to pay or when there is an event of default after notice fruitless liable to pay a sum of at least 500 € for more than 60 days and have not responded to a notice of their creditor who filed a debt distress after the Bank of France who has been declared admissible.

Who can register a person in the FICP?

credit agencies, banks and creditors, financial services of La Poste, and the Committee of indebtedness of the Bank of France for those who are the subject of proceedings for a debt.

What information is included in the FICP?

The name, date and place of birth of debtor, the nature of the payment incident, the name of the organization which carried out the registration and the date of erasure This registration.
Who can access information stored in the FICP?

credit agencies

Banking institutions

Financial services Post

Central Cheque or FCC

The Central Cheque

The Central Cheque was created in 1955 in response to the concern of government and the banking industry to facilitate the use of checks by improving the security of this payment. His role has been significantly expanded and diversified during the implementation on 1 January 1976, the regime of prevention and punishment of offenses relating to checks imposed by the laws of 3 January 1972 and January 3, 1975. This scheme was further amended by Law of 30 December 1991 on safety checks and payment cards, which expanded the role of preventing the issuance of bad checks told the Banque de France. The legislative provisions relating to checks and more particularly to payment incidents are now included in the Monetary and Financial Code (Articles L. 131-1 et seq.)

The File of Irregular Cheques (FNCI)

Article L. 131-86 of Monetary and Financial Code (from the law of 30 December 1991 on safety checks and credit cards) gives the Bank of France care to inform anyone about the regularity of the issuing checks that it is likely to accept for payment of goods or a service.

To do this, the FNCI centralized banking details:

v From all accounts opened in the name of a person affected by a ban on issuing checks,

v Objections to loss or theft of checks,

v accounts closed, and the characteristics of the forged checks.

The information given to them by banks under the provisions of Articles L. 131-84, R. 131-32 and 42 of Monetary and Financial Code .

regard to information relating to loss or theft of the checkbook, the FNCI also centralizes reporting loss or theft made by the victims with the Center National Call lost or stolen checks [08 92 68 32 08 (0.337 per minute), open 7 days 7 and 24 hours on 24. They are kept 48 working hours if they have not been confirmed by a statement of opposition from the institution holding the account.

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rectify a dishonored check? How to get out of

You can do this in three ways: •
either you fund your account and ask the recipient to check his bank account,
• or you pay directly the beneficiary in cash and pay you 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 you tell them in writing block for one year this amount in your account waiting for a new presentation.

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FICP? Bank of France where defichage

http://defichage-banque-france.blogspot.com

You must have repaid the arrears,

In case of acceleration You must have paid all the money you owe.

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

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Access to personal loan, being prohibited banking: Banking

Being prohibited bank does not deprive a person having a credit, however, credit institutions may refuse any new request for credit including consumer credit from a bank prohibited, the regularization of their situation Lifting the ban will be the best banking solution.

The prohibited bank is caused by incidents of payments, it is registered for the Bank of France http://pret- prohibit for-bancaire.blogspot.com /

Who is consulted by financial institutions.
http://pret-personnel-interditbancaire.blogspot.com/

Where an application for a loan is made with a credit agency, the latter usually interviews the file National Bank France. If proceedings to ban bank current loan applications being banned banking, payment requests several times or more are usually denied.

http://creditpourinterditbancaire.blogspot.com/

A suspension of banking can be waived if the situation is corrected, for example by honoring the settlement checks, the request must be made with the bank account holder must apply the update file from the Bank of France.
http://creditconsommation-interditbancaire.blogspot.com/

Note that some agencies specialize in this type of loan, but be careful, the rates are often very high and if you are in difficult situations, you are likely to push you and lose your possessions or even any of your loved ones.

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prohibited Tenant: The Solution Adjournment

Redemption prohibits bank credit, stuck FICP

You must be an owner.

http://rachatcreditinterditbancaire.blogspot.com

In this case, redemption of credit is a mortgage on your property.
Otherwise, you get the same advantages: you pay your credits, property and consumption, you lower your monthly payment by lengthening repayment.

Redemption credit prohibited bank is usually the best solution before the final stage of indebtedness, before the bank prohibited. Do not wait to arrive at this end because then you will have great difficulty convincing a company to repurchase credit to help you get that wrong direction. Remember the adage: "it does lend to the rich ... .
By cons, if you find that your financial situation continues to worsen, do not expect the forbids bank to consider an operation redemption of credit . Being a long term solution, why not compare all the offers that might be proposed. Generally, all agencies credit offer online solutions redemption of credit .

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registration FICP

is possible but not certain.

Letter for lifting the ban on banking
The credit agency, which had previously reported the incidents of payment to the Bank of France, must ask the Bank of France raising enrollment FICP when all debts are settled .

Monsieur (Madame),

You rejected the payment of a check ... NO. ... Amounting to ... .... Euro on the grounds of lack of provision.
But the unavailability of the allowance due to an error in the execution of an operation in your services. Indeed, a check which would be raised from my account was transferred to the account of a third personne.Ce which caused an overdraft on my own account.
Once the rectification of the mistake made, I ask you to please proceed as quickly as possible, cancellation of my registration in the register of prohibited bank to allow re-issue checks for payment.
Receive, Monsieur (Madame), the assurance of my best wishes. DATE AND SIGNATURE





Your banker must take the necessary steps to overturn the ban bank. He must notify the Bank of France within ten working days of your request and send you a letter in the same period. If, after ten days you have not received a response from your bank, your application for correction shall be considered denied.

Once the Bank of France proceeded to quash the ban bank, it will notify your bank, which must then inform you of the correction.