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Registered? We have solutions…

Not paying your credit for more than two monthly payments will result in you being registered with the National Bank of Belgium. The consequences can be serious… Read carefully the following information.
We are at your disposal for any further information.

File at the National Bank of Belgium

Did you know that :

• Each loan taken out must be registered with the Central Consumer Credit Office by your lending institution. The Centrale des crédits aux particuliers is a division of the National Bank of Belgium. The mission of the Centrale des crédits aux particuliers is to fight against overindebtedness.
• If you fail to pay your premium for 3 consecutive months, your lender is legally obliged to denounce your credit or loan contract to the National Bank of Belgium, which will then proceed to register you.
• When you are registered with the National Bank of Belgium, your file ends up in the litigation department of your lender who will try to find a solution with you to recover their money or, failing that, will start legal proceedings that may lead to the forced recovery of the balance of the unpaid credit on your property. This may involve a seizure of your assets and a public sale.
• As long as your credit is not paid off, you remain registered with the National Bank of Belgium. As a result, no credit organization (bank or broker) will be able to lend you money. You can therefore no longer borrow.
• Once you have paid off your credit, the lender is legally obliged to ask the National Bank of Belgium to remove your credit record.
• You will have to wait 15 months after your file has been removed before you can apply for a new loan.

To be registered is therefore a delicate situation. However, Crédit Populaire Européen can offer you solutions to get out of this embarrassing situation:

We offer you :

1. 1. If you are a property owner, to grant you a homeowner’s loan by taking mortgage guarantees on your property.