ING customers are urged to leave online banking as soon as possible before it closes its doors permanently at the end of the year. However, she will continue to manage the property and consumer loans already taken out with her. Here’s what’s going to happen for those affected.
By the end of the year, ING will have closed all the accounts of its individual customers. The online bank will indeed leave the French market and cease its activity in France. It also encourages its customers to take advantage of the advantageous terms negotiated with Boursorama to join the Société Générale subsidiary. Despite everything, ING continues to manage the loans granted. Here’s what’s going to happen for those affected.
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What will happen to your mortgage?
In the event that the payment of the monthly installments has been made for a external account, nothing changes. Withdrawals will continue to be made at the usual odds. On the other hand, if the payment of the monthly installments comes from an ING account, it is necessary to indicate as soon as possible the new current account from which the online bank will take the chances once the ING account has been closed.
Besides the account change form of direct debit sent by ING to its customers, you must also send it the bank details of the new account from which the direct debit will be made. This must be in the name of at least one of the two borrowers. These two documents must be sent in an unstamped envelope to ING-Crdit immobilier/Gestion-Libre Rponse 70678 75567 Paris cedex 12.
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ING will then indicate by post the date from which the withdrawals will be made from this new account. In the meantime, we remind you that you must continue to fund your ING current account to avoid deadlock situations, indicates ING. The bank also informs its customers that the banking mobility service they could benefit from with their new bank will not allow them to transfer the mortgage loan withdrawal to a new current account. Without any return from you, your monthly payments cannot be debited after the closure of your ING current account. You would then risk paying penalties and being stuck in the file of incidents of repayment of credits to individuals (FICP), specifies ING.
It should be noted that even in the event of use of the banking mobility service, an ING customer’s current account will remain open until direct debits from the new external account are actually set up.
What will happen to your personal loan?
The management of the personal loan by ING and its conditions remain unchanged. For customers, the procedure is very similar to that described above for the mortgage. To continue paying the monthly installments on time, it is necessary to indicate to ING the new external current account from which the withdrawals will be made once the ING account is closed. To do this, you must send him the SEPA direct debit mandate, as well as the new RIB of the external account in the customer’s name. Mail must then be sent in an unstamped envelope to the following address: ING-Service prt personnel -Libre Rponse 70678 75567 Paris cedex 12.
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