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
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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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