Sweaters Petite Cashmere

A MEGA CROP coming ...

Join us during the weekend of November 22 (Saturday and Sunday) for a super crop in the school gymnasium Montpetit. The total cost for the weekend is $ 35 including: *

kit papers and embellishments *
dinner on Saturday evening ( determined) *
snacks and beverages
* Several prizes - *
animation games and challenges
demonstration
* * QUANTITY OF FUN!!

Please RSVP to the store or call (450) 373-0126.
Hurry, places are limited .........



Some new arrivals in store soon: The
glimmer mist from Tattered Angels and stencils. Give everything a shine effect on your chipboard or directly on paper.

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Stuck to the Bank of France

Fiché the Bank of France


You asked for a credit card payment in several installments, with or without charge, or an overdraft on your account.
This or these requests were denied, and you think that you or denials arise because you are listed in a file bank of France.
is possible but not certain.

This practical guide has been developed to target of answer any questions you might have after such a ban bank or stuck to the Bank of France , tracked, the Bank of France or store file that France You have been opposed by a credit institution, a bank or financial services the Post Office.
To help you determine whether your name is, or is not in a file
"deadbeat" or a non-payment, this handy guide tell you your rights and the various things you can do for the exercise.

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Check

THAT YOU DO NOT PLUG IN THE BANK OF FRANCE



A first essential step: verify that you are not stuck to the Bank of France
Why this essential step?
Because at the trial of any application for credit, the lender examines systematically the national register of incidents of repayment of loans to individuals ( FICP ), managed by the Banque de France, to to check if the applicant is registered or not.
This file has been created by the Act of 31 December 1989 on the prevention and resolution of problems related to over-indebtedness of individuals and families, is supplied by credit agencies, banks and financial services of the Post people who register for an incident which occurred in the repayment of a loan (he meant by "credit" a bank overdraft, a deferred payment card or a credit repayable in installments).
Before enrollment, the lender must notify, by mail, the defaulter will be entered in that FICP and it has a period of one month to rectify its payment incident.


How do I approach this?
You can tell if you're stuck in FICP , by which agency and for what reason, by visiting any branch of the Banque de France provided with an ID. •
first assumption: you are stuck in FICP
In this case, refer to the description of the operation of FICP attached to verify that your registration is valid.
If you disagree with your inclusion in the FICP , the approach to the organization that is responsible for registration, asking for explanations and discharge (cancellation) of that entry.
If you do not get satisfaction, you can enter the National Commission on Informatics and Freedoms by mail ( 21 rue Saint Guillaume - 75340 PARIS Cedex 07 ) by providing all relevant documentation so that it intervenes , if any, with the body that you entered in FICP . Be aware that
CNIL does has no jurisdiction to make an assessment of the amount of the claim that your claim is claimed. The sole mission of the CNIL is to verify that the conditions for registration are met FICP (nature of the payment incident, date and terms of registration).

• second assumption: you are not stuck in FICP
You're not stuck in FICP but you were denied credit and want an explanation.
Know, first, that no text does a lender to provide the grounds for denial of credit. It is not required to explain the reason that led him to deny you credit. Indeed, there is no right to credit in France and the lender has complete freedom whether to grant credit to a person (Article 1101 Civil Code).
You have, however, some ways to get information on what could be a result of stuck to the Bank of France or prohibits bank . .

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Possible explanations

The lending institution says you're stuck in FICP while you're not.
C is possible if your cancellation of FICP is recent.
Indeed, if the Bank of France immediately proceeds to radiation FICP soon as the lender reported its release, other banks and credit institutions which are entitled to question the FICP have no access to information updated in real time.
Once a month, the Bank of France sends them a copy of FICP , with updates taking into account radiation and new inscriptions. This shipment is between 15 and 20 of each month, which may result to bring to the attention of lenders of radiation FICP a month late compared to the radiation effect. To avoid
you see stuck to the bank of France, we " the French national bank " recommend to wait at least one month from the date of cancellation of FICP by the Bank of France before requesting a new credit.
Remember, you can also ask the lender in such a case, question directly FICP the Bank of France of Poitiers fax (05.49.55.86.92 ). It may well have confirmation that you are no longer stuck. This query is done using a printed form 69 (available in any Banque de France). The response is sent to the lender by return mail.
You have, in the past experienced difficulties in repayment of a loan
In such a case, know that the lending institution, or one its subsidiaries, has the right to keep track of the incident during a period that can vary between 10 and 15 years. This agency will therefore refuse to grant you new credit, on the grounds of an "internal FILING showing in payment difficulties in the execution of a previous contract.



You have applied for credit from the same organization that has been denied there are less than 6 months
The lenders are generally retain for 6 months the information relating to refusal to grant credit. This practice is intended to prevent a person does repeated requests from several institutions of the same sign. Thus, if an agency has refused you a loan there are less than 6 months, your new application will normally be refused.
Your record does not meet the conditions laid down by the body to achieve this credit
The lender may consider your income is insufficient or that your situation is "risky." You should know that these organizations usually assign a "score" for each piece of information that you provide when requesting Credit (age, occupation, marital status, nationality, etc.).. These scores give
added a final score that will enable the agency to determine whether or not the credit can be awarded to you. The refusal may be related to the outcome of the score that was assigned.
You have a namesake who is stuck
You learned that a person with similarities to you (same name, or even date and place of birth) was stuck. In this case, the only solution is to notify the lender that you have a namesake, and ask specify when the queries FICP .

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What FICP file? In short

The F ile National I ncidents reimbursement C REDITS to P rivate identifies people who have difficulties in repaying a Credit they were infected, including when credit consists of an overdraft. It is implemented by the Bank of France and its existence is provided by articles L. 333-4 and L.333-5 of the Consumer Code. Its operation is set by Regulation No. 90-05 as amended, the committee of banking regulation.
What is the FICP?
credit agencies, banks and financial services of the Post interview the FICP each time a person applies for a credit. If the person is stuck, the credit will be denied in principle.
When are enrolled in the FICP?
If you are the author of a payment incident characterized. Consisting of such persons:
Who did not pay two consecutive monthly payments on their credit or are receivable in the amount of twice monthly, followed by Justice for failure to pay or when there is an event of default after notice fruitless liable to pay a sum of 500 € from more than 60 days and have not responded to a notice of their creditor who filed a debt distress after the Bank of France who has been declared admissible.
Who can register a person in the FICP?
credit agencies, banks and creditors, financial services of La Poste, and the debt commission of the Bank of France for those who are the subject of proceedings for a debt.
What information is included in the FICP?
The name, date and place of birth of debtor, the nature of the payment incident, the name of the organization which carried out the registration and the date of cancellation of registration.

Who can access information stored in the FICP?
credit agencies
Banking institutions Financial services
Post

When information they are removed from FICP?
soon stabilize debt, otherwise on expiry of a period of 5 years in case of procedure indebtedness, at the expiration of a period of 10 years or upon full settlement of debts to all creditors listed in the plan or decision.
Where a person must apply it to exercise its right of access to data relating which would be recorded in the FICP?
from any counter of the Bank of France, provided an identity document. It is not given a copy of the registration to the person stuck . This rule is intended to protect individuals listed on FICP avoiding that can develop the practice of "certificates of credit." Information
people stuck
Before enrollment in FICP , people should be put on notice to rectify the payment incident and have one month to do so.

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YOUR ACCESS

Your Rights


The right of access You have the right to be informed, by the lender, all the information it holds about you in its files.
This is the right of access that you are recognized by Articles 34 and following of the Act of 6 January 1978 relating to data, files and freedoms.
To exercise this right, send a letter to the lender, enclosing a photocopy of identification. This agency will issue you a copy of information held about you in its files. The lender is
not required to state the reason for the refusal of the granting of credit but, instead, you must indicate if the refusal is based on a common file FILING payment incidents.
If items can you suggest that this refusal is linked to such a filing, ask the agency on this point in your application for access.
Remember, also, to ask the lender informs you that the score that was assigned when your credit application rejected.
A mail template, including these applications is offered in annex.

MODEL OF MAIL FOR EXERCISE: YOUR RIGHT TO ACCESS


MODEL MAIL TO CARRY
Subject: Request for access to information contained in a file
Dear
accordance with Articles 34 and 35 of the Act of 6 January 1978, please kindly tell me if my information contained in your files and, if so, send me a copy of all of this information, including recorded in areas "notepad" or "comments".
I also remind you that the CNIL deliberation n ° 88-083 of July 5, 1988 containing recommendations on the management of credits or loans to individuals by credit institutions states that "where a credit institution shall, to deny credit, the presence of applicant information in a common file listing payment incidents, it shall notify any applicant of the nature and source of information. " In these circumstances, I would appreciate your kindly give me details about the nature of incidents in which file I figure.
You will please, finally, tell me the score I have been assigned during the credit application I made with your service on. / .. / ....
Please accept, Madam, Sir, the assurances of my highest consideration.
PJ: photocopy of ID to certify the original