Individuals, IEDOM can help and guide you through the process

If you are no longer able to meet your financial obligations, the over-indebtedness procedure may be able to help.

You can submit your file :

• Online: via the Banque de France portal using your France Connect login.
• By post: send the completed form and supporting documents to your local IEDOM office.
• In person: submit it directly at your local IEDOM office.

Find the full list of required documents and step-by-step instructions in our Over-indebtedness section Surendettement

Under French law, you are entitled to access – free of charge – any personal information held about you in the payment incident registers.

Listings can result from various situations :

• Cheque-related issues : bounced cheques, banking or court-imposed bans. ;
• Bank card incidents : card withdrawals following misuse. ;
• Credit issues: loan repayment delays. ;
• Over-indebtedness: submission of a debt relief application deemed admissible.

To check your status :

• Online: via the Banque de France website using your France Connect credentials.
• By post: send a written request to your local IEDOM office.
• In person: book an appointment at your local IEDOM office.

Important : always include a copy of a valid ID (front and back). This is a strictly personal process.

You will receive a list of any recorded incidents and the names of the institutions that reported them.

More information is available in our Payment Incident Registers section.
Fichiers d’incidents de paiement .

Delisting (‘defichage’) depends on the type of incident (e.g. bounced cheques, credit issues, card withdrawal).

You must settle your debt with the financial institution that reported the incident.

Without resolution, the listing will remain for :

• 5 years for bounced cheques and loan defaults (up to 7 years if an over-indebtedness commission is involved).
• 2 years for bank card withdrawals.

See our Payment incident Files section for more information on each case.

If a bank refuses to open an account for you, you can assert your right to a bank account with the help of IEDOM.

You will need to provide :

• A certificate from a bank refusing to open an account (or proof of a request made more than 15 days ago). ;
• A valid ID ;
• Proof of address dated within the last three months.
  IEDOM will appoint a bank that will be required to open a basic bank account for you, free of charge.

More information can be found in our Right to a bank account section

IEDOM can provide neutral and reliable information on banking topics.

Infobanque service, we can help you :

• Understand your rights
• Learn about banking regulation
• Identify the appropriate steps to take
• Find the right contact person if you’re experiencing difficulties

Please note : that we only provide information. We are not authorised to intervene in disputes with your bank or insurer.

You can get assistance:

• Online via the Banque de France portal.
• By post, by writing to your IEDOM agency.
• • In person at one of our offices (by appointment only).

You can also visit the  Mes Questions d’Argent website for useful resources on managing your money.

Find out more in our Infobanque section Infobanque

If you are a victim of identity theft, it is important to act quickly :

• File a complaint with the police or gendarmerie, or online via the Ministry of the Interior website. For internet fraud, use the official Pharos portal.
• Contact your banks immediately to alert them and secure your accounts.
• To check for other frauds, request a list of accounts opened in your name via the Ficoba file by contacting the CNIL.
• Contact IEDOM for guidance on the necessary steps to take.

For more details, see our section on Payment Methods/Fraud and Identity Theft

If you are unable to access a traditional loan, a microcredit may be a suitable alternative.

This financing option allows you to fund your projects with reduced interest rates and personalised support.
Microloans can be used to fund :

• Personal projects: repairs, healthcare expenses, education or training
• Professional projects: starting or expanding a business

Find out more about financial inclusion programmes in our dedicated section