Bouncing a cheque

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Bouncing a cheque


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Old 22nd August 2007, 08:40 PM
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Default Bouncing a cheque

Hello, I'm newly moved to Capbreton on the west coast of france and am wondering what you do once you have bounced a cheque? I'm a little too afraid to ask the bank, as you can imagine I'm not their favorite customer but really need to know what I can do to rectify this situation? Any advice? I'ts seriously needed! Merci en avance...JD

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Old 30th August 2007, 05:57 AM
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Quote:
Originally Posted by jaydee View Post
Hello, I'm newly moved to Capbreton on the west coast of france and am wondering what you do once you have bounced a cheque? I'm a little too afraid to ask the bank, as you can imagine I'm not their favorite customer but really need to know what I can do to rectify this situation? Any advice? I'ts seriously needed! Merci en avance...JD
Hi!

That is something you should never do in France.

See:

Moteur de recherche service-public.fr : résultats de la recherche


Unless you have an overdraft agreement ( have you eventually subscribed to a bank monthly package - sometimes there are facilities here - you have to look into details, because there are different with every bank )

- it will cost you at least euro 35. Could be much more according to the value of the cheque.

- further you should contact urgently the bank and advice that you are going to bring coverage, if this has not yet been done.

This could easily lead to a " procédure d'interdit bancaire ". That is 5 years without cheque or bank card.

Yours,

giantpanda


Last edited by giantpanda; 30th August 2007 at 05:58 AM. Reason: cirrection
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Old 2nd September 2007, 07:01 PM
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Thanks for the reply and the info..

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Old 3rd September 2007, 11:44 AM
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jaydee - Welcome to the forum, and I'm sorry your first post was about a problem. Let us know how it goes when you get it straightened out.

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Old 21st March 2010, 04:51 PM
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Default I find my French bank uncool

Quote:
Originally Posted by jaydee View Post
Hello, I'm newly moved to Capbreton on the west coast of france and am wondering what you do once you have bounced a cheque? I'm a little too afraid to ask the bank, as you can imagine I'm not their favorite customer but really need to know what I can do to rectify this situation? Any advice? I'ts seriously needed! Merci en avance...JD
--- I had a similar problem just a couple of months back. I had a ltter from the directeur de agence and several more. I was so busy I ignored him and told him to stay cool as it was only a matter of E40 or so and I had been their client for 20 years without ever having any debit.
After his persistent correspondence, I went to transfer some money over. Simple as that. It only costs 10 pounds.
But even after that, the directeur still sent me letters. When I rang the bank, tehy told me it's automatically done! That was all very stressful - as le directeur charged me ober E 60 for the bounced cheque and for writing his letters!

--That was so uncool, really. I want to withdraw all my money and just stick to my British bank. A shame this awful experience as I used to adore all things French!

--- So there, jaydee. Take Giant Panda's sound advice. It's twice as costly.
---Good luck.

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Old 21st March 2010, 08:11 PM
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Quote:
Originally Posted by jaydee View Post
Hello, I'm newly moved to Capbreton on the west coast of france and am wondering what you do once you have bounced a cheque? I'm a little too afraid to ask the bank, as you can imagine I'm not their favorite customer but really need to know what I can do to rectify this situation? Any advice? I'ts seriously needed! Merci en avance...JD
Hi

It used to be that the bank would pay it for you anyway.... however, this has changed, hence more and more shops etc refusing to take cheque payments, if they will accept a cheque they request 1 or 2 forms of ID, depending on the amount.

I'm guessing that if you had an overdraft facility to cover the cheque, then it would not have bounced.

Definately, contact the bank to let them know you will put things right immediately (not sure how much we're talking about here and whether you are in a position to do so, which could make a difference)

One bank can vary from another and my husband and I are with the same bank, only our branches are in different parts of the country. I have found that they have very different attitudes concerning going over the limit. For some reason, although they carry the same name, contrary to what might be expected, they are completely separate agencies and not so much one and the same.

There's a charge applicable for just about everything here....

'interdit bancaire' is a very real possibility, depending on the circumstances, the bank normally asks the Bank de France to do some investigating first and a decision is made from their findings.

Thanks

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Old 21st March 2010, 08:46 PM
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It's only in the last few years that banks here have stopped charging you to close your account. (The fee when I did it was 25€.) But most banks consider each branch to be an independent unit - and most banks would charge you to close your account in one branch, even if you were just transferring your account to another branch of the same bank.

Fortunately, the banks did away with those account closing fees, though I don't think they make things terribly easy for you if you just want to transfer your account to another branch.
Cheers,
Bev

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Old 22nd March 2010, 06:37 AM
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Quote:
Originally Posted by greenandpleasantland View Post
It used to be that the bank would pay it for you anyway.... however, this has changed, hence more and more shops etc refusing to take cheque payments, if they will accept a cheque they request 1 or 2 forms of ID, depending on the amount.
Increasingly so, yes, but small shops and restaurants don't bother some of the time, where the sum isn't so large.

Credit is a different concept in France. Loans weren't handed out willy-nilly, as in the Anglo-Saxon world - something that helped the French banks and other lending institutions not to get into quite the same mess as their US and UK equivalents. But even if household debt represents a relatively small proportion of overall debt on a national level compared to nearly every other Western country, public (government) debt is huge.

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Old 22nd March 2010, 09:13 AM
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Default French banking is an odd system today.

Quote:
Originally Posted by greenandpleasantland View Post
Hi

It used to be that the bank would pay it for you anyway.... however, this has changed, hence more and more shops etc refusing to take cheque payments, if they will accept a cheque they request 1 or 2 forms of ID, depending on the amount.

I'm guessing that if you had an overdraft facility to cover the cheque, then it would not have bounced.

Definately, contact the bank to let them know you will put things right immediately (not sure how much we're talking about here and whether you are in a position to do so, which could make a difference)

One bank can vary from another and my husband and I are with the same bank, only our branches are in different parts of the country. I have found that they have very different attitudes concerning going over the limit. For some reason, although they carry the same name, contrary to what might be expected, they are completely separate agencies and not so much one and the same.

There's a charge applicable for just about everything here....

'interdit bancaire' is a very real possibility, depending on the circumstances, the bank normally asks the Bank de France to do some investigating first and a decision is made from their findings.

Thanks

Yes, you're absolutely right. I have an account in one part of Normandy and I was not allowed to withdraw from another part of Normandy, not if the sum withdrawn is more than E250 anyway. After experiencing the efficiency of Singapore, and Britain too, it seems that French banks do not trust their clients, even when it's someone who has vested interest like a property in France.

I guess the green and pleasant land is not in the global banking standard. I say this because the paying in and withdrawing of sums is so solidly convenient elsewhere but if one's not prepared for the backwardness of the French banking system, then one's likely to be stranded in France without any money.

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Old 22nd March 2010, 09:43 AM
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I have to disagree to an extent. I've never had the slightest problem withdrawing funds by cheque from any part of France from a branch of the same bank (two national banks in my case), and I can't think of any reason, short of being overdrawn or the network being down, or walzing in unannounced and asking to withdraw a fortune) why this should not be the case. As I said above banks in France are considerably more careful with respect to consumer credit, and as a result household indebtedness is far lower here than in the UK. Whether one has equity is irrelevant to the bank, unless said equity (deeds etc) has been lodged with the bank in order to obtain a loan. I actually think the French approach, overall, is healthier than in the UK.

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