Legal information
Legal notice
In accordance with applicable legal and regulatory provisions, you will find below all legal information relating to Crédit Européen.
Registration with the Trade and Companies Register
Crédit Européen is registered with the Clerk of the Commercial Court of Saint-Étienne.
- SIRET no. :
- 318 314 002 00037
Professional liability
The activity of Intermediary in Banking Operations is regulated by law. Accordingly, Crédit Européen holds professional liability insurance with AMLIN INSURANCE SE.
- Insurer :
- AMLIN INSURANCE SE (www.amlin.fr)
- Policy no. :
- 2017 PCA 093
ORIAS registration
Crédit Européen is registered with ORIAS under no. 17004947 as a non-exclusive agent in banking operations and payment services (MIOBSP).
Contact details for the Prudential Supervision and Resolution Authority (ACPR): 61, rue Taitbout — 75 436 Paris cedex 09. www.acpr.banque-france.fr
Crédit Européen is mandated by Crédit-Pack, a private limited company with a share capital of €100,000, registered with the Marseille Trade and Companies Register under SIRET no. 530 838 127 00013.
Data protection
You have the right to access, rectify and delete personal data concerning you.
- CNIL no. :
- 1893655
To exercise this right, send your request to contact@crediteuropeen.com or by post to:
Crédit Européen — 14 rue des Charmilles, 42400 Saint-ChamondConsumer credit regulations
Article L. 311-5 of the French Consumer Code
A loan commits you and must be repaid. Check your repayment capacity before committing.
Article L. 111-2 of the French Consumer Code — Complaints service
In the event of a complaint or dispute, the complaints service of Crédit Européen can be reached at the following address:
Crédit Européen — 14 rue des Charmilles, 42400 Saint-ChamondArticle L. 311-17 of the French Consumer Code
As long as the transaction has not been definitively concluded, no payment, in any form or on any account whatsoever, may be made by the lender to the borrower or on the borrower's behalf, nor by the borrower to the lender. During the same period, the borrower may not make any deposit in favour of the lender or on the lender's behalf in connection with the transaction in question. If a direct debit authorisation on the borrower's bank or postal account is signed by the borrower, its validity and entry into force are subject to those of the credit agreement.
Article L. 321-1 of the French Consumer Code
Any agreement by which an intermediary undertakes or proposes, for remuneration, to: examine the situation of a debtor with a view to establishing a repayment plan; seek, on behalf of a debtor, the obtaining of payment deferrals or debt relief; or intervene, on behalf of the debtor, in any form whatsoever, for the purposes of the over-indebtedness procedure, shall be null and void as of right.
Article L. 321-2 of the French Consumer Code
No payment of any kind whatsoever may be required from a private individual prior to obtaining one or more monetary loans.
Article L. 331-2 of the French Consumer Code
The over-indebtedness commission is responsible for dealing with the over-indebtedness situation of natural persons, characterised by the manifest impossibility for a good-faith debtor to meet all of their non-professional debts, both due and forthcoming. The amount of repayments resulting from the application of Articles L. 331-6 or L. 331-7 is set by reference to the attachable portion of salary, so that a portion of the resources necessary for the household's current expenditure is reserved for it as a priority.
Article 34 of Law No. 78-17 of 6 January 1978 on Data Processing, Files and Individual Liberties
You have the right to access, rectify and delete personal data concerning you.