{"id":1376,"date":"2020-03-31T13:10:00","date_gmt":"2020-03-31T11:10:00","guid":{"rendered":"http:\/\/pierre-noblet-dev.tech\/public\/?p=1376"},"modified":"2020-11-18T16:01:46","modified_gmt":"2020-11-18T15:01:46","slug":"reclamations-a-sa-banque","status":"publish","type":"post","link":"https:\/\/pierre-noblet-dev.tech\/public\/reclamations-a-sa-banque\/","title":{"rendered":"R\u00e9clamations \u00e0 sa banque \/ m\u00e9diation"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1376\" class=\"elementor elementor-1376\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-11224cb3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"11224cb3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-39816fc4\" data-id=\"39816fc4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aaf786 elementor-button-info elementor-align-center elementor-widget elementor-widget-button\" data-id=\"aaf786\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#public_rsa\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Public concern\u00e9<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-4b7e369c\" data-id=\"4b7e369c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ae55133 elementor-button-info elementor-align-center elementor-widget elementor-widget-button\" data-id=\"ae55133\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#principales_conditions_rsa\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Principales Conditions<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-3d8bbffa\" data-id=\"3d8bbffa\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6c53f205 elementor-button-info elementor-align-center elementor-widget elementor-widget-button\" data-id=\"6c53f205\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#a_noter\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">A noter<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-3e2365ba\" data-id=\"3e2365ba\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7d36b49c elementor-button-info elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7d36b49c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#orienter_rsa\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">O\u00f9 orienter<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-4c825158\" data-id=\"4c825158\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7d2c8850 elementor-button-info elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7d2c8850\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#Aller_plus_loin_rsa\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Aller plus loin<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-547d50a3 elementor-section-full_width elementor-section-content-space-between elementor-section-height-default elementor-section-height-default\" data-id=\"547d50a3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4eeb533c\" data-id=\"4eeb533c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b6457b9 elementor-widget elementor-widget-heading\" data-id=\"1b6457b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">D\u00e9finition<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59c9f8e1 elementor-widget elementor-widget-text-editor\" data-id=\"59c9f8e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div><ul><li><p>Le m\u00e9diateur transmet une proposition de solution qui doit permettre aux parties (vous et votre banque) de r\u00e9soudre le litige.\u00a0<span style=\"font-size: 15px;\">Les parties sont libres d&rsquo;accepter ou non la solution propos\u00e9e. Celle-ci peut \u00eatre diff\u00e9rente de la d\u00e9cision qui serait rendue par un juge.<\/span><\/p><\/li><li>En cas de litige<span style=\"font-size: 15px;\">\u00a0suivre les \u00e9tapes :<\/span><\/li><\/ul><\/div><ol><li>charg\u00e9 de compte (courrier \/ mail)<\/li><li>Directeur de l&rsquo;agence (courrier \/ mail)<\/li><li>service des r\u00e9clamations \/ relations client\u00e8les\u00a0 (courrier \/ mail)<\/li><li>d\u00e9lai maxi de r\u00e9ponse : 2 mois et 10 j ou 15 j si litige sur service de paiement<\/li><li>Lettre LR avec AR au<span style=\"text-decoration: underline;\"> m\u00e9diateur, une personne ind\u00e9pendante <\/span>de la banque. Ses coordonn\u00e9es figurent dans la convention de compte notamment <a style=\"font-size: 15px;\" href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F20523\" target=\"_blank\" rel=\"noopener\">cf. service-public.fr &#8211; contacts des m\u00e9diateurs bancaires<\/a><\/li><li>d\u00e9lai maxi :90 j \u00e0 partir de la notification de la recevabilit\u00e9 de sa saisine.<\/li><li>\u00c0 tout moment, ou si la solution propos\u00e9e par le m\u00e9diateur ne vous convient pas, vous pouvez saisir la justice. Pour un litige inf\u00e9rieur ou \u00e9gal \u00e0 10 000 \u20ac, c&rsquo;est le tribunal de proximit\u00e9 ou le tribunal judiciaire. Pour un litige sup\u00e9rieur \u00e0 10 000 \u20ac, c&rsquo;est le tribunal judiciaire.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-159c8bf4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"159c8bf4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7b3bb1a1\" data-id=\"7b3bb1a1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-785cd72a elementor-widget elementor-widget-menu-anchor\" data-id=\"785cd72a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"public_rsa\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-58682fde elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"58682fde\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-59475067\" data-id=\"59475067\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-340d5dc4 elementor-widget elementor-widget-heading\" data-id=\"340d5dc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Public concern\u00e9<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d3c4e84 elementor-widget elementor-widget-text-editor\" data-id=\"6d3c4e84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>clients dont l&rsquo;offre de service n&rsquo;est plus adapt\u00e9e (nombreux incidents entra\u00eenant des frais (<a href=\"https:\/\/pierre-noblet-dev.tech\/public\/?p=1125\" target=\"_blank\" rel=\"noopener\">cf. fiche offre sp\u00e9cifique<\/a> )<\/li><li>litige sur les frais factur\u00e9s ou sur la non application des plafonds l\u00e9gaux<\/li><li>personnes qui souhaitent changer de convention de compte (<a href=\"https:\/\/www.lesclesdelabanque.com\/Web\/Cdb\/Particuliers\/Content.nsf\/DocumentsByIDWeb\/8MYJ3Z?OpenDocument\" target=\"_blank\" rel=\"noopener\">voir lesclesdelabanque.fr<\/a>)<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-35f56fb4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"35f56fb4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-67151276\" data-id=\"67151276\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f866e92 elementor-widget elementor-widget-menu-anchor\" data-id=\"2f866e92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"principales_conditions_rsa\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2bbc9e8b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2bbc9e8b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1d36e57e\" data-id=\"1d36e57e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e151938 elementor-widget elementor-widget-heading\" data-id=\"4e151938\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Principales conditions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47040434 elementor-widget elementor-widget-text-editor\" data-id=\"47040434\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Prendre connaissance de la <strong>convention de compte<\/strong> <a href=\"https:\/\/www.lesclesdelabanque.com\/Web\/Cdb\/Particuliers\/Content.nsf\/DocumentsByIDWeb\/8MYJ3Z?OpenDocument\" target=\"_blank\" rel=\"noopener\">(voir lesclesdelabanque.fr)<\/a><\/li><\/ul><p>&#8211; les modalit\u00e9s d&rsquo;ouverture et de cl\u00f4ture de compte,<br \/>&#8211; la liste des produits et services offerts,<br \/>&#8211; les tarifs, les taux d&rsquo;int\u00e9r\u00eat et les taux de change,<br \/>&#8211; les services bancaires de base si votre compte a \u00e9t\u00e9 ouvert dans le cadre du \u00ab\u00a0droit au compte\u00a0\u00bb.<br \/>&#8211; les obligations qui vous incombent (par exemple celle de signaler tout changement d&rsquo;adresse) ou celles qui incombent \u00e0 votre banquier (par exemple le secret bancaire),<\/p><ul><li><strong>L&rsquo;autorisation de d\u00e9couvert<\/strong> n&rsquo;est jamais automatique.<\/li><\/ul><p>L&rsquo;autorisation de d\u00e9couvert peut \u00eatre ponctuelle (valable jusqu&rsquo;\u00e0 une date pr\u00e9cise et fix\u00e9e \u00e0 l&rsquo;avance) ou \u00eatre octroy\u00e9e pour une dur\u00e9e ind\u00e9termin\u00e9e (jusqu&rsquo;\u00e0 r\u00e9vision ou r\u00e9siliation).<br \/>Quant \u00e0 la situation de d\u00e9couvert effectif, elle peut \u00eatre autoris\u00e9e pour 2 semaines, 1 mois ou <span style=\"text-decoration: underline;\">3 mois, mais jamais au-del\u00e0<\/span>. Un compte bancaire doit \u00eatre r\u00e9guli\u00e8rement au moins une journ\u00e9e enti\u00e8re en position cr\u00e9ditrice.A noter : un d\u00e9couvert de plus de 200 \u20ac qui d\u00e9passe 90 jours cons\u00e9cutifs est <span style=\"text-decoration: underline;\">automatiquement requalifi\u00e9<\/span> en cr\u00e9dit \u00e0 la consommation.<\/p><p><strong>Le ch\u00e9quier<\/strong> : la banque peut refuser de vous d\u00e9livrer un ch\u00e9quier mais doit motiver sa d\u00e9cision.\u00a0<br \/>Le banquier peut, \u00e0 tout moment, demander la restitution des ch\u00e8ques non encore utilis\u00e9s en motivant sa d\u00e9cision.\u00a0La restitution des ch\u00e8ques en votre possession est obligatoire : lors de la cl\u00f4ture du compte bancaire et lorsque vous avez \u00e9mis un ch\u00e8que sans provision.<\/p><ul><li><strong>La carte bancaire: <\/strong>la banque n\u2019est pas tenue de d\u00e9livrer une carte bancaire.\u00a0 Elle n\u2019a PAS l\u2019obligation de motiver sa d\u00e9cision.<\/li><li>Dans le cadre du<a href=\"https:\/\/pierre-noblet-dev.tech\/public\/?p=786\" target=\"_blank\" rel=\"noopener\">\u00a0 droit au compte et des services de base (<\/a><a href=\"https:\/\/pierre-noblet-dev.tech\/public\/?p=786\" target=\"_blank\" rel=\"noopener\">cf. lexique<\/a><a href=\"https:\/\/pierre-noblet-dev.tech\/public\/?p=786\" target=\"_blank\" rel=\"noopener\">)<\/a> la banque doit accorder une <strong>carte de paiement<\/strong> dont chaque utilisation est pr\u00e9alablement autoris\u00e9e, appel\u00e9e carte de paiement \u00e0 autorisation syst\u00e9matique.\u00a0<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-162c6e30 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"162c6e30\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2a3aa664\" data-id=\"2a3aa664\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2d80b5b5 elementor-widget elementor-widget-menu-anchor\" data-id=\"2d80b5b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"a_noter\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-48e75e3a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"48e75e3a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-209f1fe1\" data-id=\"209f1fe1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6bd9cb7b elementor-widget elementor-widget-heading\" data-id=\"6bd9cb7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A noter<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ff4c60b elementor-widget elementor-widget-text-editor\" data-id=\"1ff4c60b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lettre type de r<span style=\"color: #333333; font-family: Verdana; font-size: 0.9em; font-style: normal;\">\u00e9clamation :<\/span><\/p><ul><li>expliquer les circonstances et le motif du litige avec une copie des pi\u00e8ces justificatives,<\/li><li>r\u00e9sumer les d\u00e9marches entreprises aupr\u00e8s de votre agence (<span style=\"text-decoration: underline;\">compte-rendu du rendez-vous, copie des courriers&#8230;<\/span>),<\/li><li>pr\u00e9ciser vos attentes pour la r\u00e9solution de ce litige.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-78927d1e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"78927d1e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-465cbf2f\" data-id=\"465cbf2f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6fc17624 elementor-widget elementor-widget-menu-anchor\" data-id=\"6fc17624\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"orienter_rsa\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4d3510db elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4d3510db\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-25e3ebf3\" data-id=\"25e3ebf3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-462939b2 elementor-widget elementor-widget-heading\" data-id=\"462939b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">O\u00f9 orienter<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47325e75 elementor-widget elementor-widget-text-editor\" data-id=\"47325e75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>xxx<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5a807ff3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5a807ff3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-725d33ea\" data-id=\"725d33ea\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2aa86cf8 elementor-widget elementor-widget-menu-anchor\" data-id=\"2aa86cf8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Aller_plus_loin_rsa\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-42344e56 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"42344e56\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aa86e59\" data-id=\"aa86e59\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-301e0856 elementor-widget elementor-widget-heading\" data-id=\"301e0856\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pour Aller plus loin<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2fcb56b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2fcb56b6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e042c66\" data-id=\"e042c66\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6ffb2767 elementor-widget elementor-widget-spacer\" data-id=\"6ffb2767\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5733c6ac elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5733c6ac\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-27549dc2\" data-id=\"27549dc2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b3852dd elementor-widget elementor-widget-heading\" data-id=\"7b3852dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sur Internet<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22aacf39 elementor-widget elementor-widget-text-editor\" data-id=\"22aacf39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>source <a href=\"https:\/\/lesclesdelabanque.com\/Web\/Cdb\/Particuliers\/Content.nsf\/DocumentsByIDWeb\/6W9HE5?OpenDocument\" target=\"_blank\" rel=\"noopener\">: voir les cl\u00e9s de la banque<\/a><strong><br \/><\/strong><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3778ea08 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3778ea08\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3a2bcce3\" data-id=\"3a2bcce3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1e995296 elementor-widget elementor-widget-spacer\" data-id=\"1e995296\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Public concern\u00e9 Principales Conditions A noter O\u00f9 orienter Aller plus loin D\u00e9finition Le m\u00e9diateur transmet une proposition de solution qui doit permettre aux parties (vous et votre banque) de r\u00e9soudre le litige.&nbsp;Les parties sont libres d&rsquo;accepter ou non la solution propos\u00e9e. Celle-ci peut \u00eatre diff\u00e9rente de la d\u00e9cision qui serait rendue par un juge. En <a class=\"read-more\" href=\"https:\/\/pierre-noblet-dev.tech\/public\/reclamations-a-sa-banque\/\">Read More<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20,23],"tags":[],"class_list":["post-1376","post","type-post","status-publish","format-standard","hentry","category-reclamations-et-recours-envers-un-organisme-de-la-securite-sociale","category-relations-avec-banques-et-creanciers"],"_links":{"self":[{"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/posts\/1376","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/comments?post=1376"}],"version-history":[{"count":53,"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/posts\/1376\/revisions"}],"predecessor-version":[{"id":2236,"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/posts\/1376\/revisions\/2236"}],"wp:attachment":[{"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/media?parent=1376"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/categories?post=1376"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pierre-noblet-dev.tech\/public\/wp-json\/wp\/v2\/tags?post=1376"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}