{"id":663712,"date":"2026-04-23T21:34:46","date_gmt":"2026-04-23T19:34:46","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-de-papeete-le-25-septembre-2025-n24-00285\/"},"modified":"2026-04-23T21:34:46","modified_gmt":"2026-04-23T19:34:46","slug":"cour-dappel-de-papeete-le-25-septembre-2025-n24-00285","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/ar\/cour-dappel-de-papeete-le-25-septembre-2025-n24-00285\/","title":{"rendered":"Cour d’appel de Papeete, le 25 septembre 2025, n\u00b024\/00285"},"content":{"rendered":"
\n

La Cour d’appel de Papeete, le 25 septembre 2025, confirme un jugement condamnant un emprunteur d\u00e9faillant. L’\u00e9tablissement bancaire demandeur avait assign\u00e9 en paiement suite \u00e0 des impay\u00e9s sur un pr\u00eat et un d\u00e9couvert. L’emprunteuse, faisant appel, contestait la validit\u00e9 des mises en demeure et sollicitait des d\u00e9lais de paiement. La cour rejette ses moyens et confirme la condamnation au fond, tout en \u00e9cartant les demandes indemnitaires.<\/p>\n

La validit\u00e9 substantielle de la mise en demeure<\/p>\n

La cour rappelle les principes r\u00e9gissant la preuve de l’exigibilit\u00e9 des cr\u00e9ances. Elle souligne que le cr\u00e9ancier doit d\u00e9montrer les \u00e9l\u00e9ments constitutifs de son droit et les actes interruptifs de prescription. L’emprunteur qui se pr\u00e9tend lib\u00e9r\u00e9 doit quant \u00e0 lui rapporter la preuve du paiement. En l’esp\u00e8ce, la banque a produit les contrats de pr\u00eat et de compte, \u00e9tablissant l’existence des obligations. Elle a \u00e9galement justifi\u00e9 de l’envoi d’une mise en demeure par lettre recommand\u00e9e. Le fait que les lettres soient retourn\u00e9es pour cause de non-r\u00e9clamation ne prive pas l’acte de ses effets. La cour constate que l’appelante “ne justifie pas de son c\u00f4t\u00e9 s’\u00eatre lib\u00e9r\u00e9e d’une mani\u00e8re ou d’une autre de ses obligations”. Cette solution consacre une approche objective de la mise en demeure. Sa validit\u00e9 ne d\u00e9pend pas de sa r\u00e9ception effective par le destinataire mais de son \u00e9mission r\u00e9guli\u00e8re par le cr\u00e9ancier. Cela s\u00e9curise les proc\u00e9dures de recouvrement contre les al\u00e9as de la distribution postale. La port\u00e9e est renforc\u00e9e par une jurisprudence constante sur ce point. En effet, il a d\u00e9j\u00e0 \u00e9t\u00e9 jug\u00e9 que “Le d\u00e9faut de r\u00e9ception par son destinataire d’une mise en demeure adress\u00e9e par lettre recommand\u00e9e avec avis de r\u00e9ception n’affecte ni la validit\u00e9 de celle-ci, ni la validit\u00e9 des actes de poursuite subs\u00e9quents” (Cour d’appel de Versailles, le 23 avril 2024, n\u00b022\/01778). La d\u00e9cision s’inscrit dans cette lign\u00e9e et en \u00e9tend l’application au droit polyn\u00e9sien.<\/p>\n

Le rejet des demandes d\u00e9rogatoires du d\u00e9biteur<\/p>\n

La cour examine ensuite la demande de report ou d’\u00e9chelonnement du paiement. Elle rappelle le texte applicable qui offre au juge un pouvoir d’appr\u00e9ciation. Ce pouvoir est conditionn\u00e9 par l’examen de la situation du d\u00e9biteur et des besoins du cr\u00e9ancier. La d\u00e9cision souligne que l’appelante “n’apporte aucun \u00e9l\u00e9ment concernant sa situation personnelle et professionnelle”. Elle ne justifie donc pas du bien-fond\u00e9 de sa demande, qui est rejet\u00e9e. Ce refus illustre le caract\u00e8re subsidiaire et conditionnel de cette mesure d’\u00e9quit\u00e9. Le juge ne peut l’accorder sans une instruction suffisante de la part du demandeur. La solution prot\u00e8ge le cr\u00e9ancier contre des demandes dilatoires non \u00e9tay\u00e9es. Elle rappelle que la recherche d’un \u00e9quilibre entre les parties repose sur des \u00e9l\u00e9ments concrets. La valeur de cette motivation est d’encadrer strictement l’octroi de d\u00e9lais gracieux. Elle \u00e9vite ainsi que cette facult\u00e9 ne devienne une voie de contournement syst\u00e9matique des obligations contractuelles. La port\u00e9e en est pratique, incitant les d\u00e9biteurs \u00e0 documenter s\u00e9rieusement leur requ\u00eate.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

La Cour d’appel de Papeete, le 25 septembre 2025, confirme un jugement condamnant un emprunteur d\u00e9faillant. L’\u00e9tablissement bancaire demandeur avait assign\u00e9 …<\/p>\n","protected":false},"author":232070755,"featured_media":4675,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_kj_source_type":"judilibre","_kj_official_id":"68ef2c1e796eb4b7485628eb","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/68ef2c1e796eb4b7485628eb","_kj_judilibre_id":"68ef2c1e796eb4b7485628eb","_kj_jur":"Cour d'appel","_kj_lieu":"Cour d'appel de Papeete","_kj_chambre":"Section D","_kj_rg":"24\/00285","_kj_date":"2025-09-25","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-663712","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jurisprudence"],"yoast_head":"\nCour d'appel de Papeete, le 25 septembre 2025, n\u00b024\/00285 - Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris<\/title>\n<meta name=\"description\" content=\"La Cour d'appel de Papeete, le 25 septembre 2025, confirme un jugement condamnant un emprunteur d\u00e9faillant. 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