The sale in Réméré is a pact by which the salesman reserves the right to repurchase the good sold with the help of the restitution of the sum which was necessary to the financing of the raised debt of the expenses and cost of the sale (art 1659 of the civil code)
To save its inheritance The operations which we propose address to physical people propriéitaire who cannot obtain bank credits. The product of the sale is used to refund the debts and of this fact unplugging allows the BANK OF FRANCE.
This 1st taken step allows you in the second time to constitute a file for obtaining a financing in order to enable you to exert your right to the REPURCHASE (To repurchase the sold good).
Why ?
1. You do not want to separate you from your house
2. You do not have any more the possibility of obtaining appropriations since card-indexed banks of France
3. The acceleration of a succeeded loan on real property has a sale by order of the court
For which ?
1. Owners
2. Paid (in TDCI) civil servant (Titular) Reprocessed
3. With sufficient incomes to conclude the exercise from réméré either the repurchase from their good The essential condition to carry out this operation goes hand in hand with the capacity of refunding of the salesmen.
You to wish to sell your dwelling to a person who engages by notarial act:
To rent it to You
To resell it to You The fruit of this sale will be used for: To pay all your creditors Consequently, radiation with the files banks of France
Thus, you find a balance in the budget and a banking credibility More creditors and more concern !! Then, by checking the lifting of banking pointings, constritution of a file of financing for the repurchase of your house.
The operation thus carried out, you become again owner of your house, assembly of a file of feasibility… To detail the following information:
Incomes: Value of the good put on sale
Total of the credit
Capacity with the future financing To ask a free study near specialized cabinets
The rejection of a rubber check Fault of provision on the account, the cheque cannot be paid, it is thus rejected. For lack of regularization, the rejection of the cheque involves prohibition to emit accounts cheques accounts
If you do not have the provision on your account when a cheque is presented, it will be rejected without provision. Which is the mechanism concerned ? When you give a cheque to his recipient, this one deposits it at its bank which then presents it at yours to obtain the payment from it.
If you issued a cheque without you to ensure that the sufficient provision was available on your account, the cheque will be rejected at the bank of the recipient with the reason without provision.
It is a serious event, because the rejection of a rubber check immediately involves your inscription with the Central data base of the Accounts - cheques (FCC) and a prohibition for you (and possibly for the other Co-holders) to emit accounts - cheques for one 5 years duration (law NRE May 15, 2001). Before refusing the payment of a cheque, the bank must inform by any put means appropriate to its provision by him, the holder of the account of the consequences of the defect of provision (art 15 of the Law Murcef of December 11, 2001).
By this preliminary information, the bank invites you to supply your account as fast as possible, or else the cheque will be rejected.
The law does not fix a time of attention before the effective rejection of the cheque.
A deadline of 24 or 48 hours is rather usually practised by the banks which engaged, with respect to the recipients of accounts - cheques, so that this time is always lower than 7 days.
If you did not supply your account within this time, the bank will then address (and this with each rejection of cheque) a letter of injunction to you not to emit accounts more - cheques.
Sent in recommended if it is about the first incident, and in simple mail for the following mails, this letter has also as an aim to inform you on your situation, the range of prohibition and its consequences like on the means at your disposal to regularize your situation.
This letter will kindly request to you to restore the formulas of accounts - cheques still in your possession which do not have any more utility for you since you do not have any more the right to emit accounts - cheques and will recall you that you can have alternative means of payment with the cheque, such as a Chart with systematic authorization, transfers, taking away,… etc If you had agents, all formulas of accounts - cheques held on your account, by them as by your cotitulaires, will have to be restored at the bank.
Provision Summons or sufficient authorization of overdraft on a bank account to allow the payment of the operations in progress: payment of the accounts - issued cheques, payments of the invoices of chart, taking away…
Cheque Means of standardized payment with which the holder (gunner) of an account gives the order to his banker (drawn) to pay to the recipient of the cheque the sum registered on this one. The provision must be available during the emission of the cheque and maintained until its presentation.
Bank Establishment authorized by the law to ensure of the operations of bank i.e. the reception of funds of the public, the operations of credit, as well as the availability of the customers or management of means of payment. The institution term credit or case is also used.
Profit Recipient 1 - That with which or the order of which a cheque, a transfer etc… must be paid. 2 - Nobody indicated (by name or not) by the subscriber to a contract (for example: insurance life, donation), to profit from the advantages of the aforesaid contract (revenue or capital…)
Rubber check Cheque issued on a deposit account whose balance in hand or the authorized overdraft is insufficient to regulate the amount of the cheque.
The transmitter is seen prohibited to emit accounts - cheques until it regularizes its situation.
The emission of a rubber check involves bank charges and possibly penalties to be paid with the Treasury (if the regularization does not take place within 2 month after prohibition).
The provision must be available as of the emission of the cheque - accounts and maintained until its presentation.
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