{"id":1057,"date":"2025-08-25T09:46:34","date_gmt":"2025-08-25T07:46:34","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/livret-a-pel-assurance-vie-ou-madresser-pour-toucher-mon-epargne-oubliee-jai-recupere-8-000-euros-que-javais-oublies\/"},"modified":"2025-08-25T09:46:34","modified_gmt":"2025-08-25T07:46:34","slug":"livret-a-pel-assurance-vie-ou-madresser-pour-toucher-mon-epargne-oubliee-jai-recupere-8-000-euros-que-javais-oublies","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/livret-a-pel-assurance-vie-ou-madresser-pour-toucher-mon-epargne-oubliee-jai-recupere-8-000-euros-que-javais-oublies\/","title":{"rendered":"Livret A, PEL, assurance-vie\u2026 O\u00f9 m\u2019adresser pour toucher mon \u00e9pargne oubli\u00e9e ? \u201cJ\u2019ai r\u00e9cup\u00e9r\u00e9 8\u2009000 euros que j\u2019avais oubli\u00e9s\u201d"},"content":{"rendered":"<p>Saviez-vous que des milliards d&rsquo;euros dorment sur des comptes oubli\u00e9s ? Livrets A, PEL, assurance vie&#8230; Ces produits d&rsquo;\u00e9pargne que vous avez peut-\u00eatre n\u00e9glig\u00e9s pourraient contenir une petite fortune. \u00ab\u00a0Je viens de r\u00e9cup\u00e9rer 8 700 euros sur un PEL que j&rsquo;avais compl\u00e8tement oubli\u00e9 !\u00a0\u00bb t\u00e9moigne \u00c9lodie, 42 ans, graphiste \u00e0 Nantes.<\/p>\n<p>Cette somme colossale d&rsquo;\u00e9pargne inactive repr\u00e9sente une manne insoup\u00e7onn\u00e9e pour de nombreux Fran\u00e7ais. Selon les derni\u00e8res estimations, pr\u00e8s de 4,5 milliards d&rsquo;euros resteraient non r\u00e9clam\u00e9s aupr\u00e8s des \u00e9tablissements financiers.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Sommaire<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a2f88106497f\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a2f88106497f\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rachat2credit.fr\/guide\/livret-a-pel-assurance-vie-ou-madresser-pour-toucher-mon-epargne-oubliee-jai-recupere-8-000-euros-que-javais-oublies\/#Le_reflexe_essentiel_consulter_le_Ficovie\" >Le r\u00e9flexe essentiel : consulter le Ficovie<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rachat2credit.fr\/guide\/livret-a-pel-assurance-vie-ou-madresser-pour-toucher-mon-epargne-oubliee-jai-recupere-8-000-euros-que-javais-oublies\/#Les_organismes_a_contacter_en_priorite\" >Les organismes \u00e0 contacter en priorit\u00e9<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rachat2credit.fr\/guide\/livret-a-pel-assurance-vie-ou-madresser-pour-toucher-mon-epargne-oubliee-jai-recupere-8-000-euros-que-javais-oublies\/#Les_pieges_a_eviter\" >Les pi\u00e8ges \u00e0 \u00e9viter<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rachat2credit.fr\/guide\/livret-a-pel-assurance-vie-ou-madresser-pour-toucher-mon-epargne-oubliee-jai-recupere-8-000-euros-que-javais-oublies\/#Une_procedure_simplifiee_depuis_2021\" >Une proc\u00e9dure simplifi\u00e9e depuis 2021<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rachat2credit.fr\/guide\/livret-a-pel-assurance-vie-ou-madresser-pour-toucher-mon-epargne-oubliee-jai-recupere-8-000-euros-que-javais-oublies\/#Votre_check-list_pour_retrouver_votre_epargne\" >Votre check-list pour retrouver votre \u00e9pargne<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Le_reflexe_essentiel_consulter_le_Ficovie\"><\/span>Le r\u00e9flexe essentiel : consulter le Ficovie<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Votre premi\u00e8re \u00e9tape devrait \u00eatre de consulter le Fichier des Valeurs Mobili\u00e8res Inconnues (Ficovie), g\u00e9r\u00e9 par l&rsquo;<a href=\"https:\/\/www.amf-france.org\/fr\" target=\"_blank\">Autorit\u00e9 des March\u00e9s Financiers<\/a>. Ce dispositif recense les comptes titres, PEA et autres valeurs mobili\u00e8res inactifs depuis plus d&rsquo;un an. Une simple recherche en ligne pourrait vous r\u00e9server d&rsquo;agr\u00e9ables surprises.<\/p>\n<p>Marc, retrait\u00e9 de 67 ans, a d\u00e9couvert par ce biais une assurance vie souscrite dans sa jeunesse : \u00ab\u00a0J&rsquo;avais compl\u00e8tement oubli\u00e9 ce placement fait il y a 30 ans. 12 000 euros m&rsquo;attendaient !\u00a0\u00bb<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Les_organismes_a_contacter_en_priorite\"><\/span>Les organismes \u00e0 contacter en priorit\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Plusieurs institutions centralisent ces fonds abandonn\u00e9s. La Caisse des D\u00e9p\u00f4ts et Consignations joue un r\u00f4le cl\u00e9 dans cette chasse au tr\u00e9sor. Elle recueille les sommes issues des comptes inactifs depuis plus de dix ans.<\/p>\n<p>Les banques traditionnelles constituent \u00e9galement un interlocuteur privil\u00e9gi\u00e9. M\u00eame si vous avez chang\u00e9 d&rsquo;agence ou de r\u00e9gion, vos anciens \u00e9tablissements bancaires conservent pr\u00e9cieusement votre \u00e9pargne dormant.<\/p>\n<p>Pour les assurances vie, l&rsquo;Association pour la Gestion des Informations sur le Risque en Assurance (AGIRA) pourrait vous aider \u00e0 retrouver vos contrats oubli\u00e9s, surtout si votre assureur a fusionn\u00e9 ou disparu.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Les_pieges_a_eviter\"><\/span>Les pi\u00e8ges \u00e0 \u00e9viter<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>M\u00e9fiez-vous des soci\u00e9t\u00e9s priv\u00e9es qui promettent de retrouver votre \u00e9pargne contre commission. Ces services, souvent on\u00e9reux, ne disposent pas d&rsquo;acc\u00e8s privil\u00e9gi\u00e9 aux fichiers officiels. La d\u00e9marche gratuite via les canaux institutionnels reste la plus s\u00fbre.<\/p>\n<p>Sophie, enseignante \u00e0 Marseille, s&rsquo;est laiss\u00e9e tenter : \u00ab\u00a0J&rsquo;ai pay\u00e9 200 euros \u00e0 un interm\u00e9diaire pour finalement d\u00e9couvrir que je pouvais faire la recherche moi-m\u00eame gratuitement.\u00a0\u00bb<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Une_procedure_simplifiee_depuis_2021\"><\/span>Une proc\u00e9dure simplifi\u00e9e depuis 2021<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>La loi Pacte de 2019 a consid\u00e9rablement am\u00e9lior\u00e9 le processus de restitution. D\u00e9sormais, les \u00e9tablissements doivent multiplier les tentatives de contact avant de transf\u00e9rer les fonds \u00e0 la Caisse des D\u00e9p\u00f4ts. Cette derni\u00e8re a \u00e9galement renforc\u00e9 ses outils de recherche en ligne.<\/p>\n<p>V\u00e9rifiez r\u00e9guli\u00e8rement votre situation sur le site officiel <a href=\"https:\/\/www.cic.gouv.fr\/\" target=\"_blank\">Cic.gouv.fr<\/a> qui centralise les informations sur les comptes inactifs et l&rsquo;\u00e9pargne oubli\u00e9e.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Votre_check-list_pour_retrouver_votre_epargne\"><\/span>Votre check-list pour retrouver votre \u00e9pargne<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Consultez le Ficovie pour les valeurs mobili\u00e8res<\/li>\n<li>Contactez votre banque historique m\u00eame apr\u00e8s d\u00e9m\u00e9nagement<\/li>\n<li>Renseignez-vous aupr\u00e8s de la Caisse des D\u00e9p\u00f4ts et Consignations<\/li>\n<li>V\u00e9rifiez aupr\u00e8s de l&rsquo;AGIRA pour l&rsquo;assurance vie<\/li>\n<li>M\u00e9fiez-vous des interm\u00e9diaires payants<\/li>\n<\/ul>\n<p>Cette qu\u00eate de l&rsquo;\u00e9pargne perdue pourrait bien transformer votre quotidien. Comme le souligne Philippe Crevel, \u00e9conomiste sp\u00e9cialiste de l&rsquo;\u00e9pargne : \u00ab\u00a0Les Fran\u00e7ais ignorent souvent qu&rsquo;ils poss\u00e8dent plusieurs enveloppes d&rsquo;\u00e9pargne diss\u00e9min\u00e9es chez diff\u00e9rents organismes.\u00a0\u00bb<\/p>\n<p>Alors, pr\u00eat \u00e0 partir \u00e0 la chasse \u00e0 votre tr\u00e9sor cach\u00e9 ? Cette d\u00e9marche simple pourrait vous offrir une belle surprise financi\u00e8re et vous permettre de r\u00e9aliser des projets rest\u00e9s en suspens.<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;1057&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 vote)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Livret A, PEL, assurance-vie\u2026 O\u00f9 m\u2019adresser pour toucher mon \u00e9pargne oubli\u00e9e ? \u201cJ\u2019ai r\u00e9cup\u00e9r\u00e9 8\u2009000 euros que j\u2019avais oubli\u00e9s\u201d&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\"><\/span>\n    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Saviez-vous que des milliards d&rsquo;euros dorment sur des comptes oubli\u00e9s ? Livrets A, PEL, assurance vie&#8230; Ces produits d&rsquo;\u00e9pargne que vous avez peut-\u00eatre n\u00e9glig\u00e9s pourraient contenir une petite fortune. \u00ab\u00a0Je viens de r\u00e9cup\u00e9rer 8 700 euros sur un PEL que j&rsquo;avais compl\u00e8tement oubli\u00e9 !\u00a0\u00bb t\u00e9moigne \u00c9lodie, 42 ans, graphiste \u00e0 Nantes. Cette somme colossale d&rsquo;\u00e9pargne &#8230; <a title=\"Livret A, PEL, assurance-vie\u2026 O\u00f9 m\u2019adresser pour toucher mon \u00e9pargne oubli\u00e9e ? \u201cJ\u2019ai r\u00e9cup\u00e9r\u00e9 8\u2009000 euros que j\u2019avais oubli\u00e9s\u201d\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/livret-a-pel-assurance-vie-ou-madresser-pour-toucher-mon-epargne-oubliee-jai-recupere-8-000-euros-que-javais-oublies\/\" aria-label=\"En savoir plus sur Livret A, PEL, assurance-vie\u2026 O\u00f9 m\u2019adresser pour toucher mon \u00e9pargne oubli\u00e9e ? \u201cJ\u2019ai r\u00e9cup\u00e9r\u00e9 8\u2009000 euros que j\u2019avais oubli\u00e9s\u201d\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":1058,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-1057","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Livret A, PEL, assurance-vie\u2026 O\u00f9 m\u2019adresser pour toucher mon \u00e9pargne oubli\u00e9e ? \u201cJ\u2019ai r\u00e9cup\u00e9r\u00e9 8\u2009000 euros que j\u2019avais oubli\u00e9s\u201d - Rachat de Cr\u00e9dit<\/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:\/\/rachat2credit.fr\/guide\/livret-a-pel-assurance-vie-ou-madresser-pour-toucher-mon-epargne-oubliee-jai-recupere-8-000-euros-que-javais-oublies\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Livret A, PEL, assurance-vie\u2026 O\u00f9 m\u2019adresser pour toucher mon \u00e9pargne oubli\u00e9e ? \u201cJ\u2019ai r\u00e9cup\u00e9r\u00e9 8\u2009000 euros que j\u2019avais oubli\u00e9s\u201d - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Saviez-vous que des milliards d&rsquo;euros dorment sur des comptes oubli\u00e9s ? Livrets A, PEL, assurance vie&#8230; Ces produits d&rsquo;\u00e9pargne que vous avez peut-\u00eatre n\u00e9glig\u00e9s pourraient contenir une petite fortune. \u00ab\u00a0Je viens de r\u00e9cup\u00e9rer 8 700 euros sur un PEL que j&rsquo;avais compl\u00e8tement oubli\u00e9 !\u00a0\u00bb t\u00e9moigne \u00c9lodie, 42 ans, graphiste \u00e0 Nantes. Cette somme colossale d&rsquo;\u00e9pargne ... 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