Personal Credit Reimbursement Incident File (PPIF)
Verified 03 May 2022 - Directorate for Legal and Administrative Information (Prime Minister)
Are you late in repaying your loan or are you in a situation of over-indebtedness? Your bank must register for the Personal Credit Redemption Incidents (PKI) file. Please be aware that credit institutions may consult this file before granting you a credit or a means of payment. You can also access the PIF.
You have a credit repayment incident
Loans are taken out by individuals for non-professional purposes.
You can be enrolled in the FICP if one of the following credit refund incidents occurs:
- Lack of payment of 2 consecutive monthly installments of your credit
- Non-payment for more than 60 days of non-monthly maturity
- Authorized overdraft misused, if, after a formal notice from the bank, you have not regularized the situation within 60 days for an amount at least equal to €500
- Non-repayment of amounts outstanding after formal notice to pay from the lender.
The lender must notify you by mail that he intends to register you with the Banque de France for the FICP.
Then you have 30 calendar days to regularize your situation and avoid registration.
At the end of this period, and unless regularized or amicable agreement has been reached, the lender informs you by mail of your enrollment in the PIF.
You are in a situation of over-indebtedness
You are automatically registered for the FICP as soon as you file a over-indebtedness. Information about your situation is provided by the debt relief commission or the court registry.
FYI
you can be registered for the CIPIF if you are a French national, including if you live abroad.
The duration depends on why you are registered with the file.
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You have a credit repayment incident
The duration of the registration is 5 years maximum.
If you regularize the payment due, your enrollment in the CIP is canceled early.
You are in a situation of over-indebtedness
In case of over-indebtedness, you are registered in the FICP as soon as you file your over-indebtedness file at the Banque de France and throughout the procedure.
If your over-indebtedness file is rejected (incomplete or inadmissible file), your subscription to the FICP is canceled.
At the end of the procedure, you remain registered for a period of time that varies according to the measure of over-indebtedness (conventional recovery plan, measures recommended or imposed by the over-indebtedness commission, personal reinstatement procedure with bankruptcy or personal reinstatement procedure without judicial liquidation).
Conventional recovery plan
In the case of a conventional recovery plan, you remain registered with the FICP for 7 years. If there is no payment incident during the first 5 years of the implementation of the measure, your enrollment in the PIF is canceled early.
Measures recommended or imposed by the over-indebtedness commission
In the event of measures recommended or imposed by the debt relief commission, you remain registered with the FICP for 7 years. If there is no payment incident during the first 5 years of the implementation of the measure, your enrollment in the PIF is canceled early.
Personal reinstatement procedure with judicial liquidation
In the case of a personal reinstatement procedure with judicial liquidation, you remain registered with the FCIP for 5 years from the date of certification or closure of the procedure.
Personal reinstatement procedure without judicial liquidation
In the case of a personal reinstatement procedure without judicial winding-up, you remain registered with the FCIP for 5 years from the date of certification or closure of the procedure.
Credit institutions and financing businesses consult the FICP to study the creditworthiness of a person who wishes to obtain credit. In principle, your subscription to the FICP does not prevent you from obtaining a credit.
Credit institutions, payment institutions and electronic money institutions may consult the file before granting a means of payment.
You also have the right to access the file. You can do this online on the Banque de France website, on site or by correspondence with a local branch of the Banque de France.
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Online
You must make your request by logging into the Banque de France website.
Request for information or appointment at the Banque de France
You will receive the reply by mail.
On the spot
You must first make an appointment and then go, with your ID, to the counter of one of the local branches of the Banque de France.
A status report will be issued.
By mail
You must transmit a letter at the Banque de France's local office, enclosing a photocopy of your identity card on both sides.
The reply will be sent to you by post.
At the end of the period of registration in the FICP or during an early deregistration, the body which reported the incidents must ask the Banque de France to delete this information from the file.
If you wish to challenge or have the information concerning you corrected, you must send a mail the organization that registered for the PIF.
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In the event of an incident involving the repayment of a credit
You must contact the institution reporting the incidents directly.
In case of over-indebtedness
You must contact the secretariat of the Debt Relief Commission responsible for processing the file.
If your bank does not refresh the file, you can to refer to the banking ombudsman.
If the problems of updating the file continue, you can refer the matter to the National Commission for Information Technology and Freedom (Cnil).
Who shall I contact
- National Commission for Informatics and Freedoms (Cnil)
By mail
3 Place de Fontenoy
TSA 80715
75334 Paris cedex 07
The CNIL does not receive the public or provide any information on the spot.
By telephone
+33 1 53 73 22 22
Telephone reception open Monday to Friday from 9:30 am to 5 pm.
Legal information open on Monday, Tuesday, Thursday and Friday from 10am to 12pm.
By email
Access to contact form
FYI
The Banque de France cannot update the FCIP on its own. However, you can make your difficulties known to the management department.
Who shall I contact
Request the communication or modification of personal information in a file
Who can help me?
Find who can answer your questions in your region
- Banque de France, branch
To challenge the information on the PIF
National Commission for Informatics and Freedoms (Cnil)By mail
3 Place de Fontenoy
TSA 80715
75334 Paris cedex 07
The CNIL does not receive the public or provide any information on the spot.
By telephone
+33 1 53 73 22 22
Telephone reception open Monday to Friday from 9:30 am to 5 pm.
Legal information open on Monday, Tuesday, Thursday and Friday from 10am to 12pm.
By email
Access to contact form
- Consumer Code: Articles L751-1 to L751-6File Content
- Consumer Code: Articles L752-1 to L752-3Registration and deregistration of FICP
- Order of 26 October 2010 on the national register of incidents of repayment of loans to individuals
- Over-indebtednessService-Public.fr
- How and when to seize the Council?National Commission for Informatics and Freedoms (Cnil)
- Bank incident filesSupervisory and Resolution Authority (ACPR)
- Be loggedBanque de France
- Diagram of the debt relief procedure since 2018 (PDF - 457.2 KB)Banque de France