🔹 1. Identify Your Situation

First, determine your case, because the process may differ:

1. Payment made by mistake

(e.g., wrong bank transfer)

2. Payment for a service/product not delivered

(e.g., you paid but received nothing)

3. Loan to someone who didn’t repay

(personal debt)

🔹 2. Friendly (Out-of-Court) Solutions

✅ 1. Direct communication

  • Contact the person or company
  • Clearly request your money back
  • Give a deadline (e.g., 7 days)

✅ 2. Send a formal demand letter

  • Called “payment notice” (mise en demeure)
  • Preferably sent with proof of delivery

📌 Purpose: to prove that you officially requested repayment

🔹 3. Legal Procedures

✅ 1. Payment Order (Injonction de payer)

Use this if:

  • The debt is clear and fixed
  • You have proof (transfer receipt, invoice, contract)
  • The debtor refuses or delays payment

📌 Process:

  • Submit a request to the court
  • The judge may issue a payment order
  • A bailiff enforces it

✅ 2. Lawsuit (Court case)

Use this if:

  • The debtor denies the debt
  • Your proof is not strong enough

📌 Includes:

  • Hearings
  • Final court judgment

🔹 4. Enforcement (Getting Your Money Back)

After winning the case:

  • A bailiff (Huissier de justice) can:
    • Freeze bank accounts
    • Seize assets
    • Deduct from salary

🔹 5. Important Evidence

The stronger your proof, the better your chances:

  • Bank transfer receipts
  • Messages (WhatsApp, SMS, email)
  • Contracts or invoices
  • Witnesses (in some cases)

🔹 6. Special Cases

💡 Wrong payment

If the person refuses to return it → legally considered unjust enrichment
You can file a claim to recover it

💡 Fraud (Scam)

  • File a complaint with police or gendarmerie
  • This becomes a criminal case

🔹 7. Sample Demand Letter

Rédaction

Subject: Request for Refund of مبلغ مالي

I, (your name), hereby request the repayment of an amount of (… DZD) paid on (date), due to (reason: error / undelivered service / loan).

You are requested to return this amount within 7 days from receipt of this notice. Otherwise, I will proceed with legal action without further notice.

Signature

🔹 8. Important Tips

  • Act quickly (don’t delay)
  • Keep all evidence
  • Try friendly solutions first (faster and cheaper)
  • For large amounts → consult a lawyer

🔹 1. Identify Your Situation

First, determine your case, because the process may differ:

1. Payment made by mistake

(e.g., wrong bank transfer)

2. Payment for a service/product not delivered

(e.g., you paid but received nothing)

3. Loan to someone who didn’t repay

(personal debt)

🔹 2. Friendly (Out-of-Court) Solutions

✅ 1. Direct communication

  • Contact the person or company
  • Clearly request your money back
  • Give a deadline (e.g., 7 days)

✅ 2. Send a formal demand letter

  • Called “payment notice” (mise en demeure)
  • Preferably sent with proof of delivery

📌 Purpose: to prove that you officially requested repayment

🔹 3. Legal Procedures

✅ 1. Payment Order (Injonction de payer)

Use this if:

  • The debt is clear and fixed
  • You have proof (transfer receipt, invoice, contract)
  • The debtor refuses or delays payment

📌 Process:

  • Submit a request to the court
  • The judge may issue a payment order
  • A bailiff enforces it

✅ 2. Lawsuit (Court case)

Use this if:

  • The debtor denies the debt
  • Your proof is not strong enough

📌 Includes:

  • Hearings
  • Final court judgment

🔹 4. Enforcement (Getting Your Money Back)

After winning the case:

  • A bailiff (Huissier de justice) can:
    • Freeze bank accounts
    • Seize assets
    • Deduct from salary

🔹 5. Important Evidence

The stronger your proof, the better your chances:

  • Bank transfer receipts
  • Messages (WhatsApp, SMS, email)
  • Contracts or invoices
  • Witnesses (in some cases)

🔹 6. Special Cases

💡 Wrong payment

If the person refuses to return it → legally considered unjust enrichment
You can file a claim to recover it

💡 Fraud (Scam)

  • File a complaint with police or gendarmerie
  • This becomes a criminal case

🔹 7. Sample Demand Letter

Rédaction

Subject: Request for Refund of مبلغ مالي

I, (your name), hereby request the repayment of an amount of (… DZD) paid on (date), due to (reason: error / undelivered service / loan).

You are requested to return this amount within 7 days from receipt of this notice. Otherwise, I will proceed with legal action without further notice.

Signature

🔹 8. Important Tips

  • Act quickly (don’t delay)
  • Keep all evidence
  • Try friendly solutions first (faster and cheaper)
  • For large amounts → consult a lawyer