Bad news if you are the victim of this unscrupulous company which has recently made abusive withdrawals from your bank account: it is in liquidation and you have very little chance of being reimbursed.
For several months now, many people have had the unpleasant surprise of discovering unidentified withdrawals from their bank account, often for substantial amounts: €29.99 then €69.99 in quick succession, sometimes repeated over several days. , which represents significant sums for many households. An experience all the more unpleasant as the wording of the operations was deliberately vague and complicated the identification of the person responsible.
Behind these wild levies was the infamous Société Française d’Assurances Multimédia (SFAM). This company, a subsidiary of the Indexia group, has already been accustomed to these practices for many years. His technique? Reactivate the contract of former customers who have canceled their insurance in order to generate a new SEPA direct debit mandate in order to debit their accounts. Although the SFAM each time pleads a “technical error”, the scale of the phenomenon is such that several hundred victims have joined as civil parties in the context of a collective complaint against the insurer.
But for all these people, the hope of being reimbursed has unfortunately become almost zero. Indeed, SFAM was targeted by a complaint from Urssaf Rhône-Alpes which demanded nearly 12 million euros in unpaid debts, and the verdict came on April 24: the company was placed in compulsory liquidation. As a result, all of the company’s activities are suspended and all of its assets will be sold in order to repay its various (and numerous) creditors. But in the event of judicial liquidation, not everyone is in the same boat.
The fruits of the liquidation will be used primarily to pay employees, many of whom have not received their salaries for a while, legal costs and the remuneration of the legal agents responsible for carrying out the liquidation. Next will come the State services, Urssaf but also the tax authorities, which are also demanding more than a million euros from the company. Finally, only so-called “unsecured” creditors such as suppliers and consumers will (possibly) share what remains.
Suffice to say that if you are one of the victims of SFAM, you unfortunately have very little chance of one day receiving a reimbursement for the sums unduly taken from your account. In the meantime, if you are in this situation, you will need to make yourself known within two months following the publication in the Official Bulletin of Civil and Commercial Announcements (Bodacc) of the liquidation of the SFAM, in order to indicate the amount of your loss. To facilitate this process, a website should be put online soon, which will make it possible to report you as a victim of the company and also to follow the progress of the liquidation procedure.