Question from Georges de Troyes: “I recently received by mail a notice to third party holder (ATD). What does that mean? How should I react?”
The notice to Third Party holder (ATD) is a procedure fairly close to the entry on account. In this way, the public treasury seeks to recover from you the sums you owe him. For example, your last taxes or fines. All your accounts can then be affected, except for the securities account, if you have one.
Your account is blocked 30 days
You are not the only one to have received this document. The public treasury has transmitted, by a recommended, a letter to your bank. In the document, she is invited to specify if the balance of your account is sufficient to settle the amount claimed.
If it is a debtor, the seizure will not take place. Otherwise, your bank blocks it for 30 days. Meanwhile, it calculates the sums really available, taking into account the operations in progress, or which have not yet appeared on your account when receiving the notice to third party holder. Unless you have set your debt by another means, the funds seized are paid to the Treasury within 2 months. A period of time during which you can also oppose this entry.
Be aware, however, that not all sums are grasable. This is the case for family allowances, minimum integration income (RMI) or medical expenses. In addition, if your account is entered, you can ask your bank to unlock a sum of money to meet your urgent food expenses. However, it will be at a maximum of 447.91 euros and cannot be greater than the balance of your account at the time of the request.
Be vigilant, your bank is likely to take management fees on this occasion. Do not hesitate to negotiate them to avoid being in an even more delicate financial situation.