{"id":4433,"date":"2012-05-23T07:21:48","date_gmt":"2012-05-23T07:21:48","guid":{"rendered":"https:\/\/gregorydamy.niceavocats.fr\/?p=4433"},"modified":"2023-08-19T05:14:03","modified_gmt":"2023-08-19T05:14:03","slug":"banking-prohibition","status":"publish","type":"post","link":"https:\/\/gregorydamy.niceavocats.fr\/en\/banking-prohibition\/","title":{"rendered":"Banking ban: how to react?"},"content":{"rendered":"

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The banking ban is a source of\u00a0 lasting\u00a0<\/span>financial complications\u00a0<\/span>\u00a0.\u00a0<\/span>What are the causes and consequences, and what are the possibilities available to users to get out of this often very\u00a0\u00a0<\/span><\/span>embarrassing situation\u00a0<\/span><\/span>\u00a0?<\/span><\/span><\/p>\n

The causes<\/span><\/h2>\n

Following the issue of one or more NSF checks that your bank has refused to honour, you find yourself banned from banking.\u00a0The bank then notifies the payment incident to the Banque de France, regardless of the amount of the unpaid check.\u00a0You no longer have the right to issue checks and must return all your means of payment to your banker.\u00a0The maximum duration of this ban is 5 years.<\/span><\/p>\n

How to react ?<\/span><\/h2>\n

The first thing to do is to fund your account: cash, bank transfer\u2026 You can also request, exceptionally, a cash facility from your banker.\u00a0In this case, the banker may charge you the costs of forced passage of the refused check(s).\u00a0Nevertheless, the latter always has the right to refuse your request and the banking ban is then inevitable.<\/span><\/p>\n

The results<\/span><\/h2>\n

You are prohibited from issuing checks in all banking establishments in France.\u00a0In the case of a joint account, it is important to designate the person responsible for the unpaid check from the start of the procedure because otherwise, it is the two account holders who are on file at the Banque de France.\u00a0<\/span>The banking prohibition<\/span><\/a>\u00a0also has other consequences: removal of the overdraft authorization and loss of credit.<\/span><\/p>\n

Get out of the banking ban<\/span><\/h2>\n

To regularize your situation with your bank, you can pay the amount of the check directly to the beneficiary and ask him to cancel and return the check.\u00a0You can also directly fund your account by specifying to the bank that the sum is blocked for the reimbursement of the unpaid check.\u00a0<\/span>At the same time, the beneficiary must be informed and informed that he can represent the check.\u00a0It should be noted that during a banking ban, the user always has the right to have a bank account and can benefit from a payment card with systematic authorization.\u00a0Finally, be aware that the Banque de France may charge you additional fees in the event of a repeat offense.<\/span>
DAMY law firm<\/span><\/a>\u00a0, Nice, Ban on banking, Update 2022<\/span><\/p>\n<\/div>\n

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The banking ban is a source of\u00a0 lasting\u00a0financial complications\u00a0\u00a0.\u00a0What are the causes and consequences, and what are the possibilities available to users to get out of this often very\u00a0\u00a0embarrassing situation\u00a0\u00a0? The causes Following the issue of one or more NSF checks that your bank has refused to honour, you find yourself banned from banking.\u00a0The bank […]<\/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-4433","post","type-post","status-publish","format-standard","hentry","category-banking-law"],"yoast_head":"\nBanking ban: how to react? - Soci\u00e9t\u00e9 d'avocats Damy<\/title>\n<meta name=\"description\" content=\"Banking Prohibition The banking ban is a source of lasting financial complications. 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