It is not only situations of over-indebtedness that lead consumers to be listed by the Banque de France. These repayment incidents can concern a good number of French people.
In May 2024, 10,520 over-indebtedness files were filed with the Banque de France, an increase of 9% compared to the previous year. People are then registered in the personal credit repayment incident file (FICP) for a period that depends on the reason. But being listed in the Banque de France can also happen if you take out a personal loan and do not repay your monthly payments as planned. But from what amount and in which cases are you registered in the FICP?
The official website of the French administration specifies the cases of credit repayment incidents that can lead to being registered with the Banque de France. This is particularly the case for those who do not pay two consecutive monthly installments of their credit or in the event of non-payment for more than 60 days of a non-monthly payment. Another case: authorized overdrafts that are used abusively. Thus, if you do not regularize your situation within 60 days after a formal notice from your bank, you risk being registered with the Banque de France. The amount must also be at least 500 euros.
Finally, if the outstanding amounts are not repaid, the lender must notify you by mail of its intention to register you with the FICP at the Banque de France. It is entirely possible to avoid being listed by regularizing your accounts and paying your debts within 30 calendar days (from January 1 to December 31 of the calendar year).
But according to 60 million consumerssome individuals are listed in the Banque de France at their expense due to “frequent slip-ups”! One of them actually noticed that he was registered in the FICP because of a namesake: he was a bad payer with the same name and who was born on the same day as him. Another was listed in the Banque de France after his checkbook was stolen, while Florence found herself blacklisted because of an account that had been inactive for more than ten years, which resulted in fees.