prohibited bank is what: two cases arise
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- 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.
- 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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