The consumer association UFC-Que Choisir warned Thursday on “scandalous practices and sometimes close to harassment“Credit recovery companies, which she said could know”an explosion of unpaid bills»In 2021.«As the 2021 deflagration of delinquencies will put consumers more than ever before these companies“, UFC-Que Choisir”urges European lawmakers to bring deleterious practices in the sector into line».
In December, she had already called on the European Union to force banks to offer restructuring measures to their customers more quickly. “Some credit institutions, determined to take advantage of the crisis, have found nothing better than to resuscitate ‘push-to-crime’ advertising to encourage consumers to take out consumer loans“, Still regrets the association, evoking unpaid debts reaching”already 22 billion euros, all loans combined in 2020 (1,700 euros per borrowing household)».
«Shameful pressures», «blackmailing»
According to her, the action plan of the European Commission against the economic consequences of the Covid-19 epidemic results “to help banks get rid of unpaid loans to third parties, mainly to collection companies“. These last “buy back at a low price debts deemed irrecoverable by the banks and some of which can no longer even be claimed in court (receipts lost, debts extinguished, etc.)“, before doing “forcing to recover payment in full».
Or the UFC-Que Choisir “is alarmed by the outbreak of reports on noxious methods“Of the latter, debtors and their relatives”contacted almost daily for months“, or “shameful pressures” among “guilt or blackmail for denouncing neighbors».
For its part, the French Banking Federation underlines in a reaction sent by email to AFP that “the total amount of consumer loans remains stable“, And did”increased by only 0.5% between November 2019 and November 2020». «Compared to these figures, credit risk is under control in France, the ratio of non-performing loans of French banks is lower than the average ratio of European banks: 2.3% against 2.8% at third quarter 2020“, Estimates the same source. “The mobilization of banks is not weakening, especially in this period, to enable their customers to overcome the difficulties resulting from the health crisis», Declared the FBF.