Legal information
ALSACE CONSEIL COURTAGE SAS, simplified joint stock company with capital of 1 000,00 €
RCS STRASBOURG N° 843396466
Head office : 8 avenue de la Marseillaise - 67000 STRASBOURG
RC PRO (professional indemnity insurance) N° WCRCIOAP60840, +Simple - 2 rue Grignan, 13001 Marseille.
Broker registered with theORIAS under the number 18008247 in the capacity of bank and payment services broker (COBSP) and insurance or reinsurance broker (COA).
The list of banking and payment services intermediaries can be consulted on theORIAS, www.orias.fr
Partners
List of our partners
These companies, which are subject toAutorité de Contrôle Prudentiel et de Résolution - 4, Place de Budapest CS 92459 PARIS Cedex 9 - www.acpr.banque-france.fr
MURCEF Act Article L 321-2 of law no. 2001-1168 of 11 December 2001: "No payment of any kind whatsoever may be demanded of an individual before he or she has obtained one or more loans of money..
Reducing the amount of your monthly repayments can mean extending the term of your loan, increasing the total cost of credit and your total debt.
Credit is a commitment and must be repaid. Check your ability to repay before committing yourself.
Cooling-off or withdrawal periods In the case of a debt consolidation transaction governed by the property credit regime, the borrower has a ten-day cooling-off period on receipt of the loan offer. If the sale is conditional on the loan being obtained and it is not, the seller must reimburse the borrower the sums paid.
In the case of a credit consolidation transaction subject to consumer credit rules, the borrower may withdraw without giving any reason within fourteen calendar days from the date of acceptance of the credit agreement offer.
Advertising for a property loan to finance the purchase of a property.
Complaints & Mediation
For all claimthe Principal may write to :
ALSACE CONSEIL COURTAGE SAS
8 avenue de la Marseillaise
67000 STRASBOURG
or by e-mail to reclamation@accourtage.com
Unless there are particular difficulties linked to the claim, the Agent undertakes to reply to the Principal :
- Within ten working days of receipt of the complaint, to acknowledge receipt, unless the response itself is provided to the customer within this period;
- Within two months of the date on which the complaint is received and the date on which the response is sent to the customer.
In the event of a dispute between the professional and the consumer, they will endeavour to find an amicable solution.
In the absence of an amicable agreement, in accordance with Articles L.616-1 and R.616-1 of the French Consumer Code, we propose a consumer mediation system. The mediation body chosen is: CNPM - MEDIATION DE LA CONSOMMATION.
In the event of a dispute, you can file a complaint on its website: https://cnpm-mediation-consommation.eu or by post by writing to CNPM - MEDIATION - CONSOMMATION - 27 avenue de la libération - 42400 Saint-Chamond - France.
In the event of a dispute arising from the interpretation or performance of this mandate, the parties shall endeavour to settle the dispute by mutual agreement. settle out of court before taking any legal action.
Credit information
Article L 321-2 of law no. 2001-1168 of 11 December 2001: "No payment of any kind whatsoever may be demanded of an individual before he or she has obtained one or more loans of money..
Credit is a commitment and must be repaid. Check your ability to repay before committing yourself.
When you consolidate your loans, the lower monthly repayments can lead to a longer loan term, increasing the total cost of credit and your total debt.
Withdrawal or cooling-off period
The borrower has a statutory period of retraction or cooling-off period :
For a debt consolidation subject to the consumer credit regime, the borrower may withdraw without giving reasons within a period of fourteen completed calendar days from day of acceptance of the offer credit contract.
For a debt consolidation subject to the rules governing home loans, the borrower has access to a cooling-off period of ten days from receipt of loan offer.
If the sale is subject to obtaining the loan and that it is not not obtainedthe seller must reimburse to the borrower the amounts paid.
For a mortgage loanthe borrower has a cooling-off period of ten days from receipt of loan offer.
If the sale is subject to obtaining the loan and that it is not not obtainedthe seller must reimburse to the borrower the amounts paid.
As part of a debt consolidation or mortgage loanand intermediation fees are likely to be invoiced. Their amount varies according to the operation carried out.
However, there are a number of reasons for this, no payment of any kind whatsoever cannot be required from an individual before obtaining one or more money loans.
In accordance with article L 519-6 from Monetary and Financial Codeit is prohibited any natural or legal person who assists, in any capacity whatsoever and in any manner whatsoever, directly or indirectly, in obtaining or granting a loan of money, to receive a sum representing a provision, commission, research, administrative, documentation or mediation costs of any kind, before the funds loaned are actually paid out.
It is also prohibitedBefore the funds and the copy of the deed are remitted, the borrower may present bills of exchange or promissory notes for acceptance, in order to recover the brokerage fees or commissions referred to in the previous paragraph.
In some cases, a commission may be paid by the credit institution. This commission covers the intermediary's distribution costs. This commission has no influence on the quality of the intermediary's proposals. The amount of the commission depends on the nature of your loan and the volume and quality of production. For credit consolidation, this fee varies between 1 and 4% of the amount of the loan. For home loans, this fee varies between 0 and 1% of the amount of the loan.
Our network of agents
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The entire site is hosted by OVH.
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Intellectual property
All elements of this site are the property ofAlsace Conseil Courtage or are legally authorised for use.
The reproduction or representation, in whole or in part, of the pages, data or any other component of this site, by any process whatsoever, is prohibited and constitutes an infringement of copyright without the publisher's authorisation.
Professional association
Alsace Conseil Courtage is a member of the professional association CNCEF Credit under the Member no. 22/6474.
A professional association brings together players in the same sector of activity. Its purpose is to promote, manage and protect the interests of one or more professions or sectors of activity.
Its role is to manage and represent its members, providing them with the tools they need to run their business over the long term and support their customers.
