Collecting on behalf of third parties is a regulated activity. We publish every obligation that applies to us, its legal basis and the corresponding evidence.
Each line refers to a statute and a document. Evidence is provided without delay to our clients' procurement and compliance teams.
| Obligation | Legal basis | Implementation | Document |
|---|---|---|---|
| Prior declaration to the public prosecutor | R124-2 French CPCE | Declaration filed with the court registry of the registered office.Receipt kept and shared on request. | ON REQUEST |
| Professional liability insurance | R124-2 French CPCE | Policy covering the consequences of collection activity.Certificate renewed every year. | ON REQUEST |
| Segregated bank account | R124-2 French CPCE | Funds collected on behalf of creditors ring-fenced in a dedicated account.Certificate from the account-keeping institution. | ON REQUEST |
| Written agreement with the creditor | R124-3 French CPCE | Written mandate setting out the scope of the mission, remuneration and remittance terms. | ON REQUEST |
| Mandatory statements in the debtor letter | R124-4 French CPCE | Identity of the creditor, basis and amount of the claim, statement of the applicable regulation. | ON REQUEST |
| No collection fees charged to the debtor | L111-8 French CPCE | Amicable collection costs remain borne by the creditor, save where an enforceable title provides otherwise. | — |
| Personal data protection | GDPR art. 28 and 30 | Processing agreement, records of processing, data protection officer.Hosting in France, encryption at rest and in transit. | ON REQUEST |
The charter is annexed to every mandate agreement. Compliance with it is monitored by the compliance department, independently of the collection teams.
Every contact states who we are and for which creditor we act.
Our letters never imitate the appearance of a judicial act.
Calls limited to working days and daytime hours, with a capped frequency.
Neither employer, neighbours nor family are told about the debt.
The debtor pays only what is owed to the creditor.
Any dispute suspends reminders until it has been investigated.
Dedicated adviser, possible suspension, referral to support schemes.
Acknowledgement within 48 hours, reasoned reply within 10 working days.
Complaints are handled by compliance, never by the team managing the case.
Reminders on the case are suspended.
After investigation with the creditor and the case documents.
Every justified complaint leads to a corrective action.
