Saturday, July 21, 2007

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France Bank of France France

ficp-banque france The duration of FILING to the Bank of France is typically 5 years from the date of your da FILING to the Bank of France , your radiation of FICP will only happen if you set your payment incident.

Thus, if personal recovery proceedings, the FILING to the Bank of France is 8 years. The action on a recovery plan and the recommendations of the Insolvency Commission will be listed throughout the period of their execution, without exceeding 10 years .

However, to cease to be registered or driven into the FICP Bank of France, you must regulate your refund incident

The Bank of France sent once a month, all credit institutions a copy of FICP , update recent deletions and new entries, usually between 15 and 20 of each month.

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FILING OF FILING Duration bank

Fichage banque France The Registration to the Bank of France means that you are enrolled in the Master National Incident repayment of loans to individuals: FICP.

In fact, the FICP was established by law Neiertz of December 31, 1989 , to identify information regarding repayment incidents, and conventional measures or judicial processing indebtedness.

However, it is useful to know in which case you may be stuck in the FICP , and they will be the consequences Thank you for your FILING at the Bank of France.

FILING bank France: in what circumstances?

In reality, the FILING to the Bank of France will take place upon the deposit of your indebtedness file with the Board of indebtedness.

So you are enrolled in FICP in the case of a payment incident characterized example, failing to pay a credit repayment installments, a sum amounting to at least double the last installment due.

Obviously, following this incident payment, your lending institution informs you if you have not set this incident within a month, you then declare the Banque de France for FILING the national register of credit repayment incidents ( FICP ).

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The Registration unfair bank

FICP-abusif You make a credit application to an institution, credit, and you were surprised by the result that your credit application was denied because you are the subject of a FILING with the Bank of France .

Faced with this situation, you should check if you have honored all commitments of debt with your creditors, and you have no delays in any bank or lending institution.

If you were on your FILING with the Bank of France is abusive, you are entitled to challenge then, as it can be a simple error such as homonyms, you can then report it to the body that you have denied credit because of registration FICP.


Where you should go at the counter of the branch of the Bank of France in your department.
If this has led to nothing, in which case you can make claim to the DGCCRF and / or CNIL . The

DGCCRF will be notified by malfeasance in the practices of some institutions or banks, and CNIL, which verifies the proper management of files, will speak at the bank who kept FILING your assets in defiance of the law.

you can enter by e-Commission Nationale de l'Informatique et des Libertés at the following address:
21 rue Saint-Guillaume 75340 Paris Cedex 07 .

Also, in case you've adjusted your payment incident while lifting your Registration FICP has not been made, then you are in a situation of continued abuse in FICP , and you have the right to challenge.