SFAM – How to properly declare your debt – News

SFAM – How to properly declare your debt – News
SFAM – How to properly declare your debt – News

After its placement in compulsory liquidation on April 24, the agents listed the assets and liabilities of SFAM. Each victim of SFAM, and only of SFAM – the other companies of the Indexia group (Hubside, Serena, Cyrana, etc.) are not currently concerned – is required to declare their claim within approximately 2 months . If the chances of recovering your money in this way are almost non-existent, this approach is important in the context of possible future procedures.

To do this, go to the website www.sfam-lj.fr (creditor area). If you have received identifiers from the agent, use them to log in to your online space. Otherwise, click on “Spontaneous online declaration” then accept the conditions. Here are some tips for filling out the form as best as possible.

Step 1 – Enter your claim

Fill in the fields, taking certain precautions:

First name

Even if this information is not obligatory, it is better to indicate it to limit the risk of confusion in the event of homonymy.

Reference

This mention concerns creditor companies. Consumers do not need to provide anything.

Information from the person responsible for representing you and monitoring the status of your claim during the procedure

It is entirely possible to declare a debt on behalf of a third party (parent, child, etc.). In this case, provide the information related to the victim in the “Creditor information” section, then check the box “With a representative for your claim? “. New fields will appear, which you will complete with your own identity. If the victim is represented by a lawyer, he will fill in these fields with his contact details.

Amount declared in euros

This is the total amount you are requesting. This may include abusive deductions, uninsured services, additional costs, etc. All amounts must be able to be supported by supporting documents.

Comments

In this area, you must detail the calculation of the amount entered above and indicate the nature of your debt. There are two options: the provisional unsecured debt or the privileged debt.

Provisional unsecured debt

Your claim has not been recognized by the courts and you do not benefit from any security or guarantee accompanying this claim (privilege, pledge, mortgage, etc.). Your claim is therefore of a nature unsecured and must be declared “provisionally”. We suggest that you transcribe the following text, adapting it to your situation:

The declared debt corresponds to a provisional debt, of an unsecured nature, for a total amount of [montant en euros à préciser]in addition to interest at the legal rate, certified sincere, and broken down as follows [précisez le détail des sommes] :

  • Claim in respect of requests for reimbursement and/or damages made against SFAM for unjustified and unduly deductions made within the framework of an insurance contract taken out on [date à préciser] and terminated on [date à préciser] : [montant en euros à préciser] ;
  • Claim for compensation for my moral damage valued at: [montant en euros à préciser].

[Si vous vous êtes déjà constitué partie civile dans le cadre du procès pénal ou entendez le faire, ou si vous avez déjà engagé une procédure civile contre la SFAM et que celle-ci est en cours :]

  • Claim for compensation requested, pursuant to article 700 of the Code of Civil Procedure/475-1 of the Code of Criminal Procedure to compensate for the irrecoverable costs incurred in the context of the proceedings pending before [à compléter par le nom de la juridiction actuellement saisie] : [montant en euros à préciser].

I specify that [à choisir en fonction de votre cas] :

  • I have already joined as a civil party before the Paris Correctional Court as part of the upcoming trial scheduled for September 23, 2024 and I intend to become a civil party before the Paris Correctional Court as part of the trial scheduled for September 23, 2024. September 2024.

[ou]

  • I am already a party to a civil trial as part of an action brought against the SFAM before the [précisez le nom et le lieu de la juridiction devant laquelle votre procès est en cours] under reference [précisez le numéro de rôle ou RG figurant sur vos convocations ou conclusions communiquées dans le cadre de ce procès].

[ou]

  • I am the beneficiary of a court decision rendered on [précisez la date] speak [précisez le nom et le lieu de la juridiction] having condemned the SFAM.​​​​​​​​​​​​

Privileged debt

Otherwise, your claim is said to be “privileged”. You must specify the nature of the lien or security. You can use the following text as a basis:

This debt benefits from the privilege of [nature du privilège]it is accompanied by [nature de la sûreté].

The declared debt is for a total amount of [montant en euros à préciser]in addition to interest at the legal rate, certified sincere, and broken down as follows [précisez le détail des sommes] :

  • Claim in respect of requests for reimbursement and/or damages made against SFAM for unjustified and unduly deductions made within the framework of an insurance contract taken out on [date à préciser] and terminated on [date à préciser] : [montant en euros à préciser] ;
  • Claim for compensation for my moral damage valued at: [montant en euros à préciser].

[Si vous vous êtes déjà constitué partie civile dans le cadre du procès pénal ou entendez le faire, ou si vous avez déjà engagé une procédure civile contre la SFAM et que celle-ci est en cours :]

  • Claim for compensation requested, pursuant to article 700 of the Code of Civil Procedure/475-1 of the Code of Criminal Procedure to compensate for the irrecoverable costs incurred in the context of the proceedings pending before [à compléter par le nom de la juridiction actuellement saisie] : [montant en euros à préciser].

I specify that [à choisir en fonction de votre cas] :

  • I have already joined as a civil party before the Paris Correctional Court as part of the upcoming trial scheduled for September 23, 2024 and I intend to become a civil party before the Paris Correctional Court as part of the trial scheduled for September 23, 2024. September 2024;

[ou]

  • I am already a party to a civil trial as part of an action brought against the SFAM before the [précisez le nom et le lieu de la juridiction devant laquelle votre procès est en cours] under reference [précisez le numéro de rôle ou RG figurant sur vos convocations ou conclusions communiquées dans le cadre de ce procès].

[ou]

  • I am the beneficiary of a court decision rendered on [précisez la date] speak [précisez le nom et le lieu de la juridiction] having condemned the SFAM.

Step 2 – Attach supporting documents

At this step, download all the documents likely to support your claim. You can, if necessary, use those already provided when you became a civil party. We advise you to provide at least:

  • the contract signed with SFAM;
  • the account statements on which appear the undue deductions for which you are requesting reimbursement;
  • as well as any other document justifying the validity of your claim (moral damage, irrecoverable procedural costs, etc.).

Step 3 – Submit your claim

Click on “Send your claim” at the bottom of the page, then on “I send my claim”. You will then receive an acknowledgment of receipt of your debt seizure. At the same time, you can also subscribe to the newsletter set up by the agents by clicking on the “News” tab from the site’s home page and entering your email address.

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