The company should send actioncivile.com Monday 46,208 enforcement notices from individuals borrowers who claim to their bank account of profits generated by their loan insurance contract, totaling more than € 120 million.
Dozens of boxes containing the remains were carried in transit offices actioncivile. Com to the office of the nearest post, said a journalist from AFP. The approach is mainly based on a decision of the State Council issued April 23, 2012, which devoted, at the request of the consumer association UFC-Que Choisir, the principle of restitution to policyholders of at least part profits on the loan insurance contracts.
Loan insurance is contracted along with the purchase of a home loan or a consumer credit. It covers non-repayment of the loan in case of death, disability or incapacity. This insurance is not required legally, unlike auto insurance, for example, but the banks are a prerequisite for the validation of a loan. Today, banks are giving nothing back to insured contributions they make to this title.
Mediation or legal action
Launched in May, the site offers actioncivile.com these individuals constitute, an online dossier supporting the notice, with a form letter generated automatically using the information provided.
In the letter sent Monday, the special offer to the bank mediation. If one or more establishments accept the principle, it will be done by actioncivile.com on behalf of these individuals through a prior agreement.
If one or more banks refuse mediation, individual borrowers will assign their lender before the district court attached to their home. The standard form generated by actioncivile.com, and all the documents will be forwarded to the registry of the district court by the site. It is therefore not strictly speaking an action group, because in case of judicial proceedings, each individual borrower would individually assert his rights.
More than 114,000 people registered on the site
The period covered is from 1996 to 2012. Anyone who has held a borrower on all or part of this period is eligible for this insurance policy approach, said Jeremy Oinino, president of actioncivile. Com.
The site does not charge for all of these approaches, but will charge 15% of any amount refunded to the outcome of the mediation or the district court (the borrower contractually accepts this principle from the outset).
Monday, 114,112 people were registered on the site to request an accounting of profits made through the premiums for credit insurance contract.
