{"id":10044,"date":"2023-07-15T13:30:32","date_gmt":"2023-07-15T11:30:32","guid":{"rendered":"http:\/\/www.frederic-poitou.com\/blog\/?p=10044"},"modified":"2026-04-30T08:28:37","modified_gmt":"2026-04-30T06:28:37","slug":"frais-dinformation-caution-cic","status":"publish","type":"post","link":"https:\/\/www.frederic-poitou.com\/blog\/frais-dinformation-caution-cic\/","title":{"rendered":"FRAIS D’INFORMATION CAUTION : CIC"},"content":{"rendered":"
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Champion du monde de la facturation des frais d’information caution, le <\/span>CIC<\/span><\/span> :<\/span><\/div>\n<\/div>\n
\n
– 49\u20ac par lettre d’information aux cautions. <\/span><\/div>\n<\/div>\n
\n
Ce qui signifie que si vous avez 5 pr\u00eats en cours, vous aurez 5 x 49\u20ac de facturation, (245\u20ac factur\u00e9s pour un simple \u00ab\u00a0clic\u00a0\u00bb d’impression et d’exp\u00e9dition de courrier par courrier simple). Bien vendu le timbre La Poste (1,08\u20ac) non ?<\/span><\/div>\n<\/div>\n
\n
<\/div>\n<\/div>\n
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Or, cette information est l\u00e9gale (obligatoire), et ne doit l\u00e9galement pas faire l’objet d’une facturation :<\/span><\/div>\n<\/div>\n
\n
<\/div>\n<\/div>\n
\n
\u00ab\u00a0Les frais bancaires doivent r\u00e9pondre \u00e0 des services et non des obligations l\u00e9gales et c\u2019est ainsi que la lettre annuelle d\u2019information des cautions ne doit pas faire l\u2019objet d\u2019une quelconque facturation.<\/em><\/div>\n<\/div>\n
\n
En effet, cette obligation est une disposition d\u2019ordre public introduite par une ordonnance n\u00b02005-429 du 6 mai 2005 et codifi\u00e9e \u00e0 l\u2019article L313-22 du code mon\u00e9taire et financier. Les banques ne doivent pas tarifer l\u2019envoi de leur lettre annuelle d\u2019information puisqu\u2019il s\u2019agit d\u2019une obligation et non d\u2019une prestation de services.\u00a0\u00bb<\/em><\/div>\n<\/div>\n
\n
\u00a0<\/span><\/div>\n
Or \u00e9videmment dans ce cas, il n’y a aucune prestation de service puisqu’il suffit d’envoyer un courrier automatique.<\/div>\n
<\/div>\n<\/div>\n
\n
Ah oui, mais le <\/span>CIC<\/span><\/span> a trouv\u00e9 la parade ! Ca n’est pas la caution qui est factur\u00e9e, mais le cautionn\u00e9, et hop, pirouette cacahou\u00e8te, 49\u20ac tout b\u00e9n\u00e9f.<\/span><\/div>\n
<\/div>\n<\/div>\n
\n
Imparable. <\/span><\/div>\n<\/div>\n
\n
\u00a0<\/span><\/div>\n<\/div>\n
\n
\n

Et le service client\u00e8le de r\u00e9pondre aux r\u00e9clamations : \u00ab\u00a0il n’est certes pas autoris\u00e9 de factur\u00e9 la caution, mais rien n’interdit de facturer le cautionn\u00e9\u00a0\u00bb<\/em>. (courrier \u00e0 disposition sur simple demande : contact@frederic-poitou.com<\/a>)<\/span><\/p>\n

En effet , dont acte. Comme d’autres agences, le CIC La Duranne ne s’en prive donc pas. Etre banquier est un m\u00e9tier difficile. Heureux d’avoir contribu\u00e9 \u00e0 mon modeste niveau, \u00e0 \u00e9viter au CIC (R\u00e9sultat net\u00a02020<\/b>\u00a0: 662 millions d’euros) des probl\u00e8mes de tr\u00e9sorerie.<\/p>\n<\/div>\n<\/div>\n

A l’avenir, avant de souscrire un pr\u00eat, pensez \u00e0 n\u00e9gocier les frais indirects plut\u00f4t que les frais directs. Les banques d’affaire sont ouvertes \u00e0 ce discours, pas les banques d’\u00e9piceries. Celle ci a gagn\u00e9 49\u20ac par courrier qu’elle m’a envoy\u00e9, mais elle a perdu les comptes SCI, puis elle perdra les comptes pro.<\/div>\n
<\/div>\n
@cic, @CIC-LADURANNE, @information_caution<\/div>\n","protected":false},"excerpt":{"rendered":"

Frais d’information caution, CIC, Cr\u00e9dit industriel et commercial, <\/p>\n","protected":false},"author":4,"featured_media":10049,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"kt_blocks_editor_width":"","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[48,1],"tags":[],"class_list":["post-10044","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-accueil","category-politique-economie"],"yoast_head":"\nFRAIS D'INFORMATION CAUTION : CIC -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.frederic-poitou.com\/blog\/frais-dinformation-caution-cic\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" 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