People hit by a file at the Banque de France, whether it be an FCC or a FICP, have, of course, an incredible difficulty in financing their car, their means of transport, which however is not really a "far-fetched" expense . It is often an investment that will allow you to find work! So how do you get a car if you are prohibited from banking?
A car loan is often a heavy investment. A new car, even with the current super competitive prices, always costs at least 7000 euros new. We are talking about cars like the Dacia Sandero or the Fiat Panda. It is still a large sum, most people use credit. Suffice to say right away: 7000 euros on credit if is FICP (banking prohibited), it's no. Unless you put your home as a guarantee, since the car itself cannot be used as a guarantee (a car depreciates very quickly, you just have to see the difference between a new car and a car that is already 3 years old).
Let’s take a talking example. Basically, you would need 1000 euros right away to have a used car that rolls, and to pay for insurance. How to do? 1000 euros, for a bank, it is a small sum, but if you are not an employee and / or owner of your accommodation, you do not give any guarantee to the bank that you can repay your loan. At this level, you need to ask your friends, ask for credit from family or friends, or, failing that, try to ask for credit from the seller himself. Many dealers are more flexible than a bank, and between individuals, if there is a relationship of trust, the current can pass. Especially if you put on a black on white contract that you pay back so many euros per month, with such interest, etc. In warranty, the car itself.
The answer is yes in theory. In practice, the answer is: "very hard". Very hard, because an FCC file, "Central Check File", is the prohibition dealers that accept bad credit of checkbook. This is what happens when you make bad checks out of wood. If you are forbidden to checkbook, it is that at one time, you did not provision your bank account to be able to honor the check. This is not at all in your favor, the bank needs to be sure that you will pay your credit! The best way is to opt out of the FCC by paying the person you owe money to.
An FCC file never lasts more than 5 years, but if you regularize your situation, you will of course get out of it sooner. The car loan will be granted to you if you present guarantees which reassure the lender, the credit agency.