Individuals, IEDOM is by your side to support and guide you through your procedures

Managing your personal finances can sometimes be complex and a source of worry, especially if you are experiencing financial difficulties. In the French Pacific territories, whose currency is the Pacific Franc or CFP franc, IEOM is at your side to guide and assist you with your banking and financial affairs.

Click on one of the sections below to get information relevant to your situation.

The over-indebtedness procedure

A solution if you are facing financial difficulties due to excessive debts.

The right to a bank account

This service guarantees you the opening of a bank account and access to essential banking services.

Payment incident files

The possibility of obtaining information about any entries in payment incident files

Measures to help financially vulnerable customers

Find out about existing schemes, such as capping bank incident charges and microcredit.

Information tools and services (money, banking, insurance)

Answers to your questions about managing your budget, your finances or, more generally, the world of banking and insurance.

Our answers to your questions

If you are no longer able to meet your financial obligations, this procedure may be able to help restore your financial situation. This procedure is only available to residents of French Polynesia and New Caledonia.

You can submit your file :

By mail : Send your completed application to the IEOM office in either French Polynesia or in New Caledonia.
In person : Submit your completed application directly to the relevant agency during the opening hours specified on the IEOM website.
Submitting your application offers immediate relief: interest charges stop, seizures are suspended and penalty fees are frozen.

Discover the full list of required documents and the step-by-step procedure in our Over-indebtedness section

Would you like to know about your banking situation? IEOM can provide you with information about any incidents that may have been recorded under your name, free of charge.

There are several types of incidents that can lead to you being listed :

Issuing a cheque without sufficient funds in your account
Misusing your bank card, resulting in it being withdrawn.
A court-ordered ban on issuing cheques
Difficulties in repaying loans
Acceptance of an over-indebtedness application by the relevant commission

To obtain this information, you have two options:

Visit your local IEOM office in person.
Send a written request to your local IEOM office

In both cases, you must provide a valid form of identification (e.g. an identity card or passport).

To learn more, you can check our page about Payment incident files

In order to regularise your situation and be removed from the file, you must :

For an unpaid cheque : pay the beneficiary or block the corresponding amount in your bank account.
For a credit incident : fully repay the amounts owed.
For a card withdrawal : contact your bank to find out the conditions for reinstatement.

If you do not regularise your situation, the listing will remain in effect.

During 5 years for bounced cheques and credit incidents (up to 7 years if an over-indebtedness procedure is involved).
During 2 years for bank card withdrawals.

Find full details of the procedures in our Payment incident files section.

If a bank refuses to open an account for you, IEOM can help you exercise your right to a bank account.

To benefit from this procedure, you must provide :

Proof that a bank has refused to open an account in your name (or that your request has gone unanswered for more than 15 days).
A valid form of identification..
Proof of residence dated within the last three months.

Once your application has been approved, the IEOM will appoint a bank to open an account for you.

Learn more in our Right to a bank account section.

If you become a victim of identity theft, there are some urgent steps you should take :

File a complaint with the police or gendarmerie in person or online via the Ministry of the Interior’s website. For internet fraud, use the official Pharos reporting platform.
Notify your banks immediately so they can secure your accounts and block any suspicious activity.
Request access to FICOM to check whether any accounts have been fraudulently opened in your name :
– By email : requisitions-ficom@iedom-ieom.fr
– Through your local IEOM office
– Via the IEOM headquarters in Paris
Contact the IEOM agency in your area, which will help you regularise your situation and have the incorrect information removed.

More information is available in our Payment Methods/Scams and Identity Theft

If you’re struggling to access traditional credit, accompanied microcredit could be a suitable solution. This programme enables you to finance your projects at reduced interest rates while receiving personalised support.

Microcredit can be used to finance :