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BUSINESS BEEN REFUSED A BANK LOAN? THE MÉDIATEUR DU CRÉDIT COULD HELP YOU OUT THE government has set up a mediation service _le Médiateur du crédit_ to help business owners who need loans to
manage cash-flow and have been refused them. Small business “cells” which have been set up by employers’ representatives Medef around France can assist with an application to the
_médiateur_ or you can seek advice from your chamber of commerce or trade or accountant. To apply personally (_saisir_) to this official, you can fill out a form online or send a letter or
email. Include matters such as banks who have refused you and details of your finances. See www.mediateurducredit.fr The banks concerned will be contacted and will have a week to justify
their decision or come to an arrangement with your firm. Appeals to departmental and national level mediators are possible as a final resort. Confidentiality is assured. This scheme was
launched at the end of October 2008. The government also agreed to help small businesses cope with the financial crisis by allowing them to defer social charges payments if in serious
cashflow difficulties. To do this you need to contact your main social charges body (eg. Urssaf or RSI) and negotiate a postponement. The result may could vary and you have to prove you are
in financial difficulty.
