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Payment Incidents

Verified 02 novembre 2020 - Directorate for Legal and Administrative Information (Prime Minister)

Unauthorized overdrafts and bank releases of checks, transfers or direct debits are payment incidents. They generate fees.

Regularization of the incident

As soon as you are informed of the incident, you must regularize your situation:

  • or, after replenishing the account, by representing the check,
  • or by direct payment of the sums due to your creditorby any means.

If not, you are exposed to a civil trial against your creditor and to become banking for 5 years.

Cost of rejecting a check

All fees and commissions collected by the bank must not exceed a certain ceiling:

General case

Less than or equal to 50 €

€30

Greater than 50 €

€50

You are a client in a situation of financial fragility

You benefit from a specific "fragile customer" offer

Bank incident fees are capped at €20 per month and €200 per year.

You don't get it

Bank incident fees are capped at €25 per month.

Invoicing of the various payment incident emails sent by the bank is included in these fees.

An NSF check presented several times within 30 days after the 1to rejection counts as a single payment incident.

Case Memorization

Unresolved payment incident memory can be stored in the following files:

After regularization, the memory of payment incidents can only be kept in the bank's private files.

Customer Information

Check Rejection Information

The bank must notify you before and after the check is rejected.

Before the rejection, the bank must warn you of the risk of a payment incident to allow you to replenish your account quickly.

If the check has been rejected, the bank must send you a letter within a short period of time outlining the consequences of the rejection and the means to regularize your situation.

Information on charges

The bank must inform you of the amount of bank charges related to the payment incident (e.g. newsletter fees, rejection fees, intervention fees, etc.). It must do so at least 14 days before the charges are levied on the account.

Troubleshooting

As soon as you are informed of the incident, you must regularize your situation:

  • or, after replenishing the account, by means of a new presentation of the payment order,
  • or by direct payment of the sums due to your creditorby any means.

If not, you are exposed to a civil trial against your creditor.

Cost

General case

The amount of bank charges cannot exceed the amount of the rejected payment order and cannot exceed €20.00..

You are a client in a situation of financial fragility

You benefit from a specific "fragile customer" offer

Bank incident fees are capped at €20 per month and €200 per year.

You don't get it

Bank incident fees are capped at €25 per month.

Case Memorization

Memory for unresolved payment issues can be stored in the following files:

After regularization, the memory of payment incidents can only be kept in the bank's private files.

Customer Information

Payment order rejection information

The bank does not have to inform you in advance of its intention to reject the transfer or direct debit order. She has no obligation to send you a letter once the levy has been rejected.

You are informed only by consulting your accounts or by questioning your bank.

Information on charges

The bank must inform you of the amount of bank charges related to the payment incident (e.g. newsletter fees, rejection fees, intervention fees, etc.). It must do so at least 14 days before the charges are levied on the account.

Troubleshooting

Once you are informed of the incident, you must regularize your situation:

  • replenishing your account, or
  • or by direct payment of the sums due to your creditorby any other means.

Cost of authorized overrun

An authorized overrun charge may be collected by the bank.

The fee is different if you have purchased an offer with essential banking services at a price cap, for customers in a situation of financial fragility.

  Please note : the persons recognized as over indebted are considered to be in a fragile financial situation.

General case

Maximum charge per operation: €8

Maximum fee per month: €80

You are a client in a situation of financial fragility

You benefit from a specific offer "Fragile customer"

Maximum charge per operation: €4

Maximum fee per month: €20

Maximum fee per year: €200

You don't get it

Bank incident fees are capped at €25 per month.

Case Memorization

The memory of payment incidents can be kept in the private files of the bank concerned.

Customer Information

Unauthorized overdraft information

The bank does not have to inform you of the unauthorized overdraft. But most banks send a newsletter, often invoiced.

Information on charges

The bank must inform you of the amount of bank charges related to the payment incident (e.g. newsletter fees, rejection fees, intervention fees, etc.). It must do so at least 14 days before the charges are levied on the account.