Jean-Michel MOUGARD, Préfet du Tarn a présidé le 14 février dernier, à la Banque de France d’Albi, la réunion plénière de la commission de surendettement du Tarn, instance destinée à aider les ménages surendettés à trouver des solutions à leurs difficultés.
Elle est composée de sept membres : le préfet qui la préside, des représentants des finances publiques, des établissements de crédit et des consommateurs, ainsi qu’un spécialiste en économie sociale et familiale et un juriste.
Relevé au rapport d’activité de l’année écoulée : 955 dossiers ont été déposés auprès de la commission en 2018 dans le Tarn, soit une nouvelle inflexion, marquée, de 12,56 % au regard de l’année précédente, supérieure au recul national (-10,0 %). Cette nouvelle baisse des dépôts (après -3,96 % en 2017) découle notamment de l’impact favorable de la loi Lagarde en matière de prévention du surendettement (information lors de la souscription des crédits) et des obligations des établissements de crédits envers leur clientèle fragile mais aussi des différents dispositifs mis en place afin de parvenir à une solution dite « pérenne ».
L’endettement médian hors immobilier dans le Tarn (14 006 €) est à la fois inférieur à celui observé en Occitanie (16 222 €) et à celui observé au niveau national (16 812 €). En revanche, le département se démarque des statistiques tant régionales que nationales par la proportion importante de propriétaires dans les ménages surendettés (15,7 % des dossiers contre 11,5 % en Occitanie et 11,7 % en France (cf. enquête typologique 2018, https://www.banque-france.fr).
La population des ménages concernés demeure caractérisée par la prédominance de familles n’ayant personne à charge (58,5 %), et la classe d’âge des 35 à 54 ans demeure la plus représentée (48,8 %). Globalement, 51,2 % des situations de surendettement se caractérisent par des capacités de remboursement inexistantes.
Depuis le 1er janvier 2018, deux mesures de simplification sont intervenues permettant aux commissions départementales d’imposer plus rapidement une solution, en limitant les négociations aux situations les plus complexes, lorsque le ménage surendetté est propriétaire d’un bien immobilier, et en supprimant la phase d’homologation des mesures d’effacement par le juge d’instance, en contrepartie d’un allongement des délais de contestation.
Dès la première année de leur mise en oeuvre, ces évolutions ont permis de faire diminuer de deux mois et demi la durée de la procédure pour les situations orientées vers le rétablissement personnel, procédure destinée aux ménages dont la situation financière est la plus précaire.
Pour information, la Banque de France accueille sur rendez-vous: celui-ci peut être pris directement en ligne https://accueil.banque-france.fr (ou https://www.banque-france.fr/contactez-nous), pour toute demande deconsultation des fichiers d’incident bancaire (FCC, FNCI, FICP), de droit au compte, de dépôt de dossier de surendettement… Une demande peut également être effectuée sur le site de la Banque de France en créant son espace personnel.
Source : Communiqué de la Préfecture du Tarn.
Photo : © Creative Commons
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