Over-Indebted and Without Means of Payment | Loan and Credit
How to do when you are in a complex financial situation and the bank has withdrawn all means of payment at its disposal, ie checkbook and bank card. All those who have submitted an over-indebtedness file to the Banque de France know how difficult and difficult this situation is.
Living without means of payment
The first thing to put in place if you have not already done so is to organize all the regular payments into direct debit. This is possible for governments (income tax, housing tax and property tax) as well as most providers (internet, mobile telephony, electricity, gas, etc.). If you are the subject of an over-indebtedness procedure and an agreement has been reached with your bank, it should be conciliatory for the settlement of these current debts.
For other current expenses, things are obviously more complicated. If the situation is temporary and you are consolidating all of your credits, it may be more useful to wait for your creditors by explaining the situation. If the repurchase case is in progress, it should not pose any particular problem.
Think about the rechargeable bank card
Rather than pay for your purchases in cash, it is better to opt for a modern and secure payment method such as prepaid credit card. The latter offers a simple and practical solution to avoid carrying cash. It is open to all, regardless of the financial and patrimonial situation. No study will be done. Only proof of identity and domicile are required. Rechargeable CB can be purchased online from different operators. However, we invite you to check out the competition and compare the different costs associated with reloading the card.
Note that you have no other bank account to open and you can cancel your card at any time.