We understand that you may have many questions about your situation or debt collection. To help you, we have compiled the most frequently asked questions here, along with clear and precise answers.
Answers to your general questions about debt collection.
Browse this section for general information and clarifications on the debt collection process. If you still can't find the answer you're looking for, please see our glossary or contact us. We are always happy to help you.
EOS France is part of the EOS Group, one of the leading international providers of debt acquisition and management for its own account and on behalf of third parties.
To protect both creditors and consumers, the Group adheres to a strict code of conduct for debt collection.
EOS France is a member of FIGEC (the French national federation for business information, debt management, and civil investigation). For more information about this association, visit: www.figec.com
As a credit servicer, EOS France is licensed by the French Prudential Supervision and Resolution Authority (ACPR).
Your creditor likely sent you several reminders. It's possible you didn't receive these letters (for example, due to a change of address), or perhaps you received the reminders and overlooked them.
There are two scenarios:
This is why we are contacting you.
Our goal is to offer a solution tailored to each person's circumstances.
Whatever your situation, our advisors are here to listen and provide you with suitable solutions. We prioritize amicable approaches that take your situation into account for a quick resolution. That is why we analyze all options and offer you personalized payment solutions while ensuring the confidentiality of your data.
For civil claims, as long as there is an unpaid balance, the debt remains due. We are contacting you because your account still has a debit balance with your creditor.
The statute of limitations varies depending on the nature of the unpaid debt. In some situations, these time limits can be suspended depending on the status of the case and any ongoing collection activities.
For any further information, we encourage you to contact your case manager.
The FICP (Fichier des Incidents de remboursement des Crédits aux Particuliers) is a French database managed by the Bank of France (Banque de France) that lists individuals who have had repayment incidents.
A person is listed mainly in two cases: non-repayment of a loan or failure to repay a bank overdraft.
An FICP listing lasts for 5 years, but this period can be shortened if the situation is resolved, particularly by paying off the debt that led to the listing.
You can check your FICP file for free at any time by contacting the Bank of France.
It can take some time to update your file.
If you are still being contacted by EOS France after paying your balance, please send us your proof of payment. You can send us your proof via our contact page by selecting "I want to provide or request additional information about my file." For efficient processing, please be sure to include your first name, last name, and file number.
Updating your file may take some time.
If you are still being contacted by EOS France despite having paid the balance of your file, we invite you to send us your proof of payment. You can send us your proof via our contact form, by selecting ‘I would like to provide or request further information about my case’. For efficient processing, please include your surname, first name and file number.
EOS France follows strict rules regarding GDPR. We invite you to read our privacy policy to learn more.
If you have other questions, please do not hesitate to contact us!
If you are convinced that you do not owe anything, please contact us. We will process your claim as quickly as possible.
If you do not respond, you risk being contacted through other means, which could result in additional costs for you.
If you acknowledge the debt but are not in a position to pay, please contact us. Our advisors are here to listen, and together we will find an amicable solution.
If you do not respond, you risk being contacted through other means, which could result in additional costs for you.