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French Finance

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French bank account closed

Hello,
I was wondering if anyone could help please, have hit a bit of a brick wall with this one. I’m a non-resident (domiciled in UK) with a property in France. I had a French bank account with La Poste, but to be honest, didn’t always check it as regularly as I should have done. It went into the red due to all the fees that were automatically applied for having the account open (getting on for €100 per year!), and as a result they closed my account.

I went to see the manager on the last visit there, he was sympathetic but soon afterwards I received a fairly unhelpful letter from the central office, saying they would not be reopening the account, but I have the right to insist on a very basic ‘Banque de France’ account under French law if I have no other bank account. This doesn’t sound ideal so…  could anyone recommend another bank account for non-residents? Is it possible to say if this could cause any kind of credit history related problem as regards opening another account?

Many thanks for any advice !
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Re: French bank account closed

The account you have been offered is the legal minimum for people who have had serious problems with finance, and enables them to use basic services

Look at
https://surendettement.ooreka.fr/comprendre/interdit-bancaire
to see where you might be situated on the list of problems.
It can be possible to be registered with the Banque de France

figurer au Fichier Central des Chèques (FCC) de la Banque de France
which is a nuisance.

The fact that an opinion has been widely held is no evidence whatever that it is not utterly absurd; indeed in view of the silliness of the majority of mankind, a widespread belief is more likely to be foolish than sensible.
- Bertrand Russell
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Re: French bank account closed

French banks aren't as sympathetic and easy going as UK banks. Once you are "interdit bancaire" you are effectively blacklisted and no bank will open an account for you just for the asking. If you want a second chance, you have to jump through a serious lot of hoops with Banque de France. Presumably the idea is to make sure you take the rules more seriously next time...
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Re: French bank account closed

Yeah the same sh1te happened to me thanks to the incompetence of Credit Agricole deciding that i no longer lived in France and had never lived in France, their mouths just opened and closed like goldfish when I asked them to explain what the address on my cheque book was.

 

So incompetent they could not put back my correct French address and were paying €5 a month postage costs to send my statements to the UK where I could not see them, then the barstewards closed my account like yours and reported me interdit bancaire with the banque de France, when i went in I got all the shoulder shrugging and was given dire warnings that no-one else would touch me.

 

La Poste then was being run by a real shyster, all I actually wanted was the basic account but he was insistent that I had to have the all singing one costing XYZ a month, of course he had never had anyone challenge his authority and say no, thats not right so got aggressive, I jus found it laughable that the only account he should have given me (had he checked) indeed by law has to give me if I request it with a lot of paperasse from La Banque de France was the one he was denying me and I had to threaten him before he would stand down.

 

TBH I would rather have put my money under a mattress than go with them so I walked in the C.A. and was given an account immediately by a sharp suited gelled hair juvenile who then proceeded to scam me with a paid debit card i did not want, had refused and had signed the contract for the FOC carte libre service, he was slick, I let him get away with it and then after a lot of  lies and denials finally was refunded the annual cotisation after going with the contract to La Halde, the same bank later stole cash that i paid in and when I complained removed another €500 from my account (a cheque that I had paid in and been creditted for) several months later with no explanation, could not even tell me what the deduction was, big investigation showed that one of their staff had paid it into someone elses account, probably an accomplice after it had been creditted to mine.

 

Later I opened an account with La Banque Postale when they demolished the old La poste and had a try at joining the modern world, they are just as incompetent and insouciant as the others but have yet to steal from me, give them time however.................................

 

So all these new accounts opened whilst I am interdit bancaire Big Smile [:D], it was their incompetence that led me to that situation so its only right that I should exploit the incompetence of the other banks to open an account when apparently for my own protection they should not allow me to open one without a letter from my mum (Banque de France).

 

Its a crappy situation but dont make it worse on yourself, come over to France, go into another bank and open an account in person, tell them that you live in France and you will avoid the whole crappy merry go round of "know your Customer" you must send a copy of the same passport and 100 other things to us every 12 months.

 

I have an appointment at La Poste next week, I finally gave in to their drooling over my current account balance and telling me that I must allow them to strap me up with an investment plan that will go down the pan, so I let her book me a rendez-vous then she tells me that i must come with a copy of my carte d'identité and several utility bills etc, that set me off, after the usual incomprehension that I dont have a carte d'identité they then decide they need to see may passport so I tell them its the same one that they have a copy of, its still valid and i will not be bringing it or any other paperwork, "oh but sire these things must regularly be mise à jour" OK then you can cancel the rendez-vous, suddenly it was no longer a requirement.

 

They are all as useless as each other around here.


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Re: French bank account closed

I have recently opened an account with Boursorama (it is all online banking) but I am not sure if it would be suitable for your case...

The fact that an opinion has been widely held is no evidence whatever that it is not utterly absurd; indeed in view of the silliness of the majority of mankind, a widespread belief is more likely to be foolish than sensible.
- Bertrand Russell
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Re: French bank account closed

 Chancer wrote:
 

They are all as useless as each other around here.



At least France has a system for those who can't have a 'normal' account.
My Abbey National  account became Santander apparently, and they just closed it with money in it (very little but it was a positive amount) because it wasn't being used regularly enough.
And they kept the money...Angry [:@]


The fact that an opinion has been widely held is no evidence whatever that it is not utterly absurd; indeed in view of the silliness of the majority of mankind, a widespread belief is more likely to be foolish than sensible.
- Bertrand Russell
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Re: French bank account closed

But they didnt rub salt into a wound with their spite and tell the bank of England to ensure that no other bank would open an account for you did they?

 

I understand the intention of the system where someone is declared bankrupt, has been found guilty of fraud or has put themselves in surendettement but not for spite, its part of the French psyche though, the same thing happens with insurance but these very systems that are supposed to protect the public or the person themselves are ignored by the banks and insurers when it suits them, if they can exploit the situation and put the person in further financial difficulty.

 

It stinks Sad [:(]

 

 


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