{"id":7148,"date":"2020-05-25T10:23:10","date_gmt":"2020-05-25T10:23:10","guid":{"rendered":"https:\/\/help.edebex.com\/que-se-passe-t-il-lorsquune-reclamation-est-ouverte-pour-une-facture-impayee\/"},"modified":"2020-05-25T10:23:41","modified_gmt":"2020-05-25T10:23:41","slug":"que-se-passe-t-il-lorsquune-reclamation-est-ouverte-pour-une-facture-impayee","status":"publish","type":"post","link":"https:\/\/help.edebex.com\/fr-be\/investir-fr-be\/que-se-passe-t-il-lorsquune-reclamation-est-ouverte-pour-une-facture-impayee\/","title":{"rendered":"Que se passe-t-il lorsqu\u2019une r\u00e9clamation est ouverte pour une facture impay\u00e9e ?"},"content":{"rendered":"<p><strong>1. Ouverture du dossier de r\u00e9clamation par Euler Hermes<\/strong><\/p>\n<p>D\u00e8s qu\u2019une r\u00e9clamation est ouverte, la facture impay\u00e9e est transmise \u00e0 l\u2019assureur-cr\u00e9dit qui reprend alors le suivi du dossier. Nous vous communiquons tous les 30 jours les mises \u00e0 jour qui nous sont transmises par Euler Hermes concernant les actions entreprises et l\u2019\u00e9volution de la r\u00e9clamation.<\/p>\n<p>Le suivi de l\u2019assureur-cr\u00e9dit comporte 2 phases\u00a0:<\/p>\n<ul>\n<li><u>Phase pr\u00e9alable \u00e0 l\u2019action en justice<\/u>: derni\u00e8re tentative de trouver une solution \u00e0 l\u2019amiable avec le d\u00e9biteur.\u00a0 Cette phase est g\u00e9n\u00e9ralement tr\u00e8s courte eu \u00e9gard aux efforts d\u00e9j\u00e0 d\u00e9ploy\u00e9s par Edebex. Toutefois, dans certains cas, Euler Hermes tentera \u00e0 nouveau de prendre contact avec le d\u00e9biteur en tablant sur le fait que son statut de leader mondial dans le domaine de l\u2019assurance-cr\u00e9dit imposera \u00e0 ce dernier une pression suppl\u00e9mentaire.<\/li>\n<li><u>Phase judiciaire<\/u>: le dossier est transf\u00e9r\u00e9 \u00e0 un avocat qui pourra intenter une action en justice.<\/li>\n<\/ul>\n<p><strong>2. Paiement de la garantie par l\u2019assureur-cr\u00e9dit<\/strong><\/p>\n<p>La garantie (qui peut \u00eatre de 70% ou de 90%*) en cas de faillite du d\u00e9biteur sera r\u00e9gl\u00e9e par l\u2019assureur-cr\u00e9dit\u00a0:<\/p>\n<ul>\n<li>Sous 30 jours suivant la r\u00e9ception des documents n\u00e9cessaires prouvant l\u2019existence du sinistre et la faillite du d\u00e9biteur\u00a0;<\/li>\n<li>Entre la 5<sup>e<\/sup> et la 6<sup>e<\/sup> semaine apr\u00e8s l\u2019ouverture du dossier de r\u00e9clamation lorsque le paiement est toujours en instance. Dans le cas o\u00f9 le d\u00e9biteur finirait par payer le montant d\u00fb sur condamnation d&rsquo;un tribunal, vous percevrez \u00e9galement la partie* du paiement re\u00e7u exc\u00e9dant le montant de la garantie.<\/li>\n<\/ul>\n<p><em>* La garantie est calcul\u00e9e sur la base de la valeur r\u00e9elle de la facture (et non du prix d&rsquo;achat) et est r\u00e9duite de 30% ou 10% pour tenir compte des frais de recouvrement support\u00e9s par Euler Hermes.<\/em><em> Le montant de cette r\u00e9duction d\u00e9pend du niveau de garantie accord\u00e9, \u00e0 savoir 70% ou 90%. En pratique, la garantie qui vous est vers\u00e9e avoisine les 70% ou 90%, respectivement, du prix d&rsquo;achat de la facture.<\/em><\/p>\n<p><strong>3. Retenue d\u2019une provision<\/strong><\/p>\n<p>Tant que le dossier de r\u00e9clamation est ouvert, une provision est retenue sur laquelle les frais de recouvrement sont d\u00e9duits. Vous serez bien s\u00fbr inform\u00e9(e) du montant total des frais de recouvrement engag\u00e9s apr\u00e8s la cl\u00f4ture du dossier.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>1. Ouverture du dossier de r\u00e9clamation par Euler Hermes D\u00e8s qu\u2019une r\u00e9clamation est ouverte, la facture impay\u00e9e est transmise \u00e0 l\u2019assureur-cr\u00e9dit qui reprend alors le suivi du dossier. Nous vous communiquons tous les 30 jours les mises \u00e0 jour qui nous sont transmises par Euler Hermes concernant les actions entreprises et l\u2019\u00e9volution de la r\u00e9clamation. [&hellip;]<\/p>\n","protected":false},"author":20,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[382,319],"tags":[],"class_list":["post-7148","post","type-post","status-publish","format-standard","hentry","category-factures-impayees-fr-be","category-investir-fr-be"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Que se passe-t-il lorsqu\u2019une r\u00e9clamation est ouverte pour une facture impay\u00e9e ? - Help<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/help.edebex.com\/fr-be\/investir-fr-be\/que-se-passe-t-il-lorsquune-reclamation-est-ouverte-pour-une-facture-impayee\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Que se passe-t-il lorsqu\u2019une r\u00e9clamation est ouverte pour une facture impay\u00e9e ? - Help\" \/>\n<meta property=\"og:description\" content=\"1. Ouverture du dossier de r\u00e9clamation par Euler Hermes D\u00e8s qu\u2019une r\u00e9clamation est ouverte, la facture impay\u00e9e est transmise \u00e0 l\u2019assureur-cr\u00e9dit qui reprend alors le suivi du dossier. Nous vous communiquons tous les 30 jours les mises \u00e0 jour qui nous sont transmises par Euler Hermes concernant les actions entreprises et l\u2019\u00e9volution de la r\u00e9clamation. 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