Following the liquidation of SFAM, a website was opened to allow all victims of the company to declare sums unduly taken. But the hope of obtaining a refund is low.
This is the sad epilogue to a commercial and legal saga lasting several years: on April 24, the Société Française d’Assurances Multirisks (SFAM) was placed in compulsory liquidation, as we reported in a previous article. As a reminder, this company specializing in the sale of insurance for electronic devices, notably smartphones and computers, had built up a sulphurous reputation for many years. Between aggressive, even deceptive, commercial practices and wild deductions from the bank accounts of former clients who had terminated their contract in due form, SFAM is currently the subject of a collective complaint on this subject, which will be judged at next fall.
But the company was also taken to court by several creditors, notably Urssaf Rhône-Alpes and the tax services, who were demanding 12 and 1.6 million euros in unpaid debts respectively. It was this case which was judged on April 24, 2024 and which therefore led the company to its loss, the Paris judicial court considering that it was no longer able to continue its activity and declaring it in liquidation. Since this date, SFAM has therefore ceased all its commercial activities and all the company’s assets will be sold in order to pay off, as much as possible, its monumental debts. In order to identify all the creditors harmed by the SFAM, whether employees, suppliers or customers unduly deducted, a website has been put online to allow them to make themselves known.
If you are a former SFAM customer and have suffered abusive deductions from the company, you must go to the address https://www.sfam-lj.fr/accueil and follow the online procedure to declare the debts for which you are requesting reimbursement. To help you in this somewhat austere approach, you can rely on the excellent and very complete article from the Que Choisir site, which describes step-by-step the procedure to follow and even provides text models to complete to justify the amounts of your declaration. However, be aware that as a “simple” former customer, you will not be prioritized in the list of injured creditors, and that your chances of obtaining reimbursement are very slim, if not non-existent.
However, this approach remains important, because it will make it possible to quantify more precisely the extent of the damage caused by SFAM and will in particular support the case for the future trial for deceptive commercial practices which is to be held in the fall of 2024, in which SFAM will be therefore represented by its parent company Indexia. Finally, note that only SFAM is affected by this judicial liquidation (for the moment); if you have been or are the victim of similar practices by other companies in the group, such as Hubside or Foriou, you cannot declare the receivables in question on the site www.sfam-lj.fr and you will have to wait until at the trial scheduled for September to learn the fate of these companies. The weather; if you have not already done so, to declare yourself a civil party to join the collective proceedings in progress against these companies.