Wednesday June 30 is the last day to transfer the individual training rights (DIF) accumulated between 2008 and 2014 to your personal training account (CPF). Emails, SMS, phone calls … many scams have been reported for more than ‘one year for the CPF.
Crooks pretending to be an official body succeed in obtaining the holder’s usernames and passwords, and can then, with a simple bank account, directly debit the sums they wish. The main lever used by fraudsters is based on the ignorance of the system by its beneficiaries. In order not to be fooled and to better understand how this system works, we have disentangled the true from the false on the CPF.
All assets have money sleeping in an account
Any employee (regardless of his or her working time), civil servant, self-employed person or even job seeker, aged at least 16, is allocated a “credit” which can be used for training. Since 2019, this account has been funded in euros and no longer in hours, except in the public sector, where agents benefit from 25 hours per year – conversions are possible when switching from one status to another.
The sums amount to 500 euros per year of work (800 euros for the less qualified) and can reach, cumulatively, up to 5,000 euros (8,000 euros for the less qualified).
According to the latest figures, less than a million training courses have been validated in one year, for 38 million workers.
Scammers can empty your training account
The scam usually starts with a phone call from someone claiming to belong to the My Training Account platform or to another organization. “The swindler asserts the possibilities of the right to training to try to access the victim’s account and encourage him to register, or else register him without his knowledge, for fictitious or fraudulent training which will be deducted. of the victim’s credit ”, details the public portal Cybermalveilllance.gouv.fr.
In practice, the swindler asks for the victim’s Social Security number – when he does not already know it – or his password for accessing the “My training account” platform, or he can directly create a account by phone with the victim. More rarely, accounts with weak passwords are hacked.
In fifteen months, 12 million euros have been embezzled, revealed in March the Caisse des Dépôts, responsible for managing these rights to training. About thirty complaints have been lodged with the courts.
For the victims of hacking, the sums are lost
“Anyone who is the victim of a scam has their rights restored by us”, reassures Michel Yahiel, director of pensions and solidarity at the Caisse des Dépôts. However, it is necessary to report the fraud, as detailed in Cybermalveillance.gouv.fr.
In addition, if in doubt about the security of access credentials, you are advised to call the platform, immediately change your password and consult the history of actions. It is also recommended to keep evidence, especially on the training and the organization in question, in order to be able to file a complaint.
Official bodies contact beneficiaries by phone
“As soon as someone talks to you about CPF on the phone, hang up, because it’s a scam. We never call first-line beneficiaries ”, warns Michel Yahiel.
Any account activation, or even password reset, must be done through the secure France Connect device, on the Internet, which requires any user to go through another site that has already been verified (for example that of Social Security or taxes. ) in order to authenticate it.
Sponsorships, job offers conditional on the use of the CPF or any other solicitation are fraudulent practices, also recalls the Service-public.fr site.
You must use your training rights quickly
The hours of training acquired last throughout professional life, this is the very principle of this account. There is no expiration date. The rights remain acquired even in the event of a change of employer or loss of employment.
Please note that the rights that an employee accumulates on his CPF are separate from the skills development plan, which is proposed by the company and which is, for its part, annual. They are also distinct from the training of the National Employment Fund, FNE-Formation, originally created to support restructuring. In the new context linked to Covid-19, it is devoted to the training of employees placed in partial activity, in the form of payment by the State of part of the training costs.
You have to transfer hours before the 1is July
The deadline for transferring his acquired rights under the individual right to training (DIF), the old device, has been extended from December 31 to June 30, but it is likely that this is the last deadline granted.
The DIF concerns all people who were active before 2014 and each employer had the obligation to inform each employee in writing of the total number of unused hours as of December 31 of that year. This information must at least appear on the pay slip for December 2014 or January 2015. It is then sufficient to enter the balance of these rights on the CPF application before 1is July.
The CPF is a freely usable account
It is not because it is personal that your account is open access. On the one hand, deciding on your training in complete independence is only possible if it is carried out outside working hours. Otherwise, you must obtain the agreement of your employer.
On the other hand, the conditions of use of the rights to training are very supervised: severe sanctions are contractualized through the acceptance of the conditions of the site, such as financial penalties or the suspension of the account in the event of cancellation or termination. ‘interruption of training.
Finally, to be eligible for funding through the CPF, the training must be validated by a certificate or diploma.
An additional sum may be requested from beneficiaries
Once the training has been set up and validated, it is the Caisse des Dépôts which takes care of its financing. If the amount of the chosen training is greater than the acquired rights, the possible remainder is to be paid by the beneficiary, only on the My Training Account site. In addition, additional equipment and safety costs may be indicated and required for certain training courses, manual in particular.
Employers, professional branches or even Pôle Emploi are free to subscribe to the CPFs, which are then said to be “co-constructed” – this approach still being infrequent.