Article D514-21 of the French Monetary and Financial Code
If borrowers have not requested repayment of the bonuses to which they are entitled within three months of the sale proceeds being cleared, the institution will notify them of these bonuses, if they are equal to or greater than 15 euros, by prepaid letter sent in accordance with the rules of confidentiality. The cost of postage is borne by the borrower and is deducted from the amount of the bonus…