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- Revoking a SEPA direct-debit mandate and blocking debits (France)For stopping a creditor's direct debits from your account in France: a subscription, a supplier, a lender. The document, in French under French law, holds two letters to send the same day: the revocation of the SEPA mandate, to the creditor, and the opposition, to your bank, which then refuses every debit from that creditor (article L. 133-7 of the French Monetary and Financial Code). A debit presented afterwards is no longer authorised and is refunded. Revoking the mandate does not end the contract.
- Disputing a time-barred consumer debt (France)For a consumer in France from whom a business or a collection agency claims an old bill: energy, a subscription, building work, a purchase. A business's claim against a consumer is time-barred after two years (article L. 218-2 of the French Consumer Code). The letter, in French under French law, pleads the limitation period, states that it does not acknowledge the debt and asks for collection to stop and the file to be closed. Pay nothing before sending it. Send it by registered letter with proof of receipt.
- Formal demand for payment before court action (France)For a private person in France who is owed money — an unrepaid loan, an unpaid invoice or rent, a promised sum — before going to court. The letter, in French under French law, states where the debt comes from and how much it is, sets a payment deadline, starts interest at the legal rate (article 1344-1 of the French Civil Code) and proposes an amicable solution or a free conciliateur de justice, a step required before suing for claims up to €5,000. Send it by registered letter with proof of receipt.
- Letter closing a bank account (France)For closing a current account or a savings account at a French bank. If you are moving to another bank, its free account-switching service (aide à la mobilité bancaire) can do it for you. Otherwise this letter, in French under French law, asks for the account to be closed and the card, chequebook and overdraft ended, the balance transferred to the account you choose and a closing statement sent. Closing is free (article L. 312-1-7 of the French Monetary and Financial Code). Send it by registered post or hand it in at the branch.
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