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- Request to a creditor for time to pay (France)For someone in France who cannot pay a debt in one go — an invoice, a credit, rent, a sum claimed by a collection agency — and proposes a payment plan to the creditor. The letter, in French under French law, recalls the sum and where it comes from, explains the difficulty, proposes a number of monthly instalments and their amount, asks for collection to be suspended during the plan and recalls that a judge can grant up to two years (article 1343-5 of the French Civil Code). Send it by registered letter with proof of receipt.
- Referral to the bank mediator (France)For a customer of a French bank whose written complaint was rejected, or went unanswered for two months. The mediator the bank has appointed is free to use, often through an online form on its website. This letter, in French under French law, refers the matter by post: it recalls your complaint, the dispute and what you ask for, and shows the referral is admissible — a prior written complaint, referral within a year, no other mediator or court involved (article L. 612-2 of the French Consumer Code).
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