{"id":4129,"date":"2012-07-13T07:20:33","date_gmt":"2012-07-13T07:20:33","guid":{"rendered":"https:\/\/gregorydamy.niceavocats.fr\/?p=4129"},"modified":"2023-08-19T05:05:54","modified_gmt":"2023-08-19T05:05:54","slug":"obligations-recovery","status":"publish","type":"post","link":"https:\/\/gregorydamy.niceavocats.fr\/en\/obligations-recovery\/","title":{"rendered":"Legal treatment of unpaid checks"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.19.5″ custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.19.5″ _module_preset=”default” background_enable_mask_style=”on” background_mask_style=”wave” background_mask_color=”rgba(0,0,0,0.08)” custom_padding=”||6px|||” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_circle_counter title=”Estimated reading time (in minutes)” number=”2″ percent_sign=”off” _builder_version=”4.19.5″ _module_preset=”default” title_font=”Amiri||||||||” max_width=”137px” global_colors_info=”{}”][\/et_pb_circle_counter][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.19.5″ _module_preset=”default” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_divider _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/gregorydamy.niceavocats.fr\/wp-content\/uploads\/2023\/07\/man-2562325_1280-2.jpg” title_text=”man-2562325_1280-2″ _builder_version=”4.21.0″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_image][et_pb_text admin_label=”Text” _builder_version=”4.21.0″ text_font=”Amiri||||||||” header_2_font=”Amiri||||||||” header_3_font=”Amiri||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

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Warning obligation: liability of the bank for NSF checks<\/span><\/h2>\n

In banking, recent events in 2013\u00a0\u00a0<\/span><\/span>highlight\u00a0<\/span><\/span>\u00a0the important role played by the bank in the payment of checks for insufficient funds.\u00a0<\/span><\/span>The bank cannot refuse a payment solely for insufficient funds without informing the account holder of the consequences.\u00a0A recent ruling by the Commercial Chamber of the Court of Cassation reaffirms this warning obligation, emphasizing that the bank’s notification must be sent before the check is rejected (Court of Cassation, Commercial Chamber, February 7, 2012, No. 10- 27078).\u00a0The move reinforces the bank’s responsibility in handling bounced (NSF) checks, particularly in cases involving merchants.<\/span><\/p>\n

Collection procedure: processing unpaid checks<\/span><\/h2>\n

When a\u00a0<\/span>bank<\/span><\/a>\u00a0informs that a deposited check is returned unpaid for insufficient funds, a specific procedure is put in place to recover the amount due.\u00a0Initially, contacting the debtor makes it possible to consider a possible amicable resolution or to explore alternative means of payment, such as a transfer or a bank cheque.\u00a0If the dialogue with the issuer of the check fails and the check remains unpaid within 30 days of its first presentation, you have two options.\u00a0One is to ask the debtor’s bank to issue a certificate of non-payment and the other is to deposit the check back into the account.\u00a0Upon another unsuccessful payment, the issuer’s bank will\u00a0\u00a0<\/span>automatically send\u00a0<\/span>\u00a0the non-payment certificate.<\/span><\/p>\n

The non-payment certificate triggers a simplified procedure to recover the amount of the check directly from the issuer without resorting to legal proceedings.\u00a0Once the debtor has been notified by bailiff or registered letter with acknowledgment of receipt, the certificate constitutes an injunction to pay.\u00a0The debtor then has 15 days from the date of notification to regularize the situation or provide proof of payment.\u00a0Failure to do so allows the bailiff to affix the \u201cenforcement order\u201d to the non-payment certificate, which has the same legal value as a court order.\u00a0The bailiff can then resort to various methods of forced collection, such as the seizure of bank accounts or wages.<\/span><\/p>\n

It should be noted that for small checks of an amount equal to or less than 15 euros, the issuer’s bank is required to pay, even in the absence of sufficient funds on the account.\u00a0However, the check must be deposited within one month from its date of issue.\u00a0<\/span>In addition, the issuer’s bank may be held liable if it has provided checkbooks to prohibited banks, has not requested the return of checkbooks after payment incidents, has issued checkbooks to new customers without consulting the Banque de France, or if its own fault has resulted in the client’s account being deficient.<\/span><\/span><\/p>\n

DAMY Law Firm<\/span><\/span><\/a><\/p>\n<\/div>\n

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Warning obligation: liability of the bank for NSF checks In banking, recent events in 2013\u00a0\u00a0highlight\u00a0\u00a0the important role played by the bank in the payment of checks for insufficient funds.\u00a0The bank cannot refuse a payment solely for insufficient funds without informing the account holder of the consequences.\u00a0A recent ruling by the Commercial Chamber of the Court […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[332],"tags":[],"class_list":["post-4129","post","type-post","status-publish","format-standard","hentry","category-banking-law"],"yoast_head":"\nLegal treatment of unpaid checks - Soci\u00e9t\u00e9 d'avocats Damy<\/title>\n<meta name=\"description\" content=\"Obligations & Recovery In banking matters, recent events in 2013 highlight the important role played by the bank when\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gregorydamy.niceavocats.fr\/en\/obligations-recovery\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Legal treatment of unpaid checks - 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