Over-indebtedness on the rise in France, in accordance with the Banque de France | EUROtoday

The variety of over-indebtedness information jumped by 10.8% in 2024 in comparison with 2023, in accordance with figures printed Tuesday January 14 by the Bank of France, in a dismal financial local weather for buying energy.

The Banque de France acquired 134,803 information in 2024. This quantity, nonetheless, stays decrease than that of 2019, thought-about the reference 12 months earlier than the disruptions as a result of Covid-19 pandemic.

New registrations within the nationwide file of private mortgage reimbursement incidents (FICP), which lists specifically individuals who have encountered difficulties in repaying a mortgage taken out on a private foundation, elevated by 3.1% in 2024 in comparison with to 2023, to 908,636.

Voluntary strategy

Registrations on this file don’t essentially outcome within the submission of an over-indebtedness file, which is a voluntary motion on the a part of the individual involved.

The variety of individuals registered within the central test file (FCC), which lists individuals who have issued a nasty test in addition to those that have had their financial institution card withdrawn following improper use, has fallen by 10, nonetheless. 9% for the 12 months 2024 in comparison with 2023, to 695,184.

The variety of financial institution designations for account entitlement can be lowering, lowering by 3.2% between 2023 and 2024, to 29,295 final 12 months.

In the occasion of refusal from a banking institution or lack of response inside fifteen days after a request to open an account, a person can contact the Banque de France and have a deposit account opened freed from cost with primary banking providers. in one other institution.

Nearly 2 million people have achieved “a request for information or support” in 2024 with the Banque de France on monetary inclusion themes, she specifies, on the counter, by phone, by mail or by its web site.