{"id":664629,"date":"2026-04-23T22:58:25","date_gmt":"2026-04-23T20:58:25","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-de-douai-le-25-septembre-2025-n24-02858\/"},"modified":"2026-04-26T21:21:45","modified_gmt":"2026-04-26T19:21:45","slug":"cour-dappel-de-douai-le-25-septembre-2025-n24-02858","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/ar\/cour-dappel-de-douai-le-25-septembre-2025-n24-02858\/","title":{"rendered":"Cour d&#8217;appel de Douai, le 25 septembre 2025, n\u00b024\/02858"},"content":{"rendered":"<div class=\"article-content\">\n<p>La Cour d&#8217;appel de Douai, le 25 septembre 2025, statue sur un litige n\u00e9 d&#8217;un pr\u00eat personnel consenti en 2020. L&#8217;emprunteur, b\u00e9n\u00e9ficiaire d&#8217;un plan de surendettement, a cess\u00e9 ses remboursements. Le pr\u00eateur a alors engag\u00e9 une action en recouvrement, partiellement accueillie en premi\u00e8re instance. L&#8217;emprunteur fait appel, invoquant notamment un manquement du pr\u00eateur \u00e0 son obligation de v\u00e9rification de la solvabilit\u00e9. La cour doit se prononcer sur la r\u00e9gularit\u00e9 de la consultation du Fichier des Incidents de remboursement des Cr\u00e9dits aux Particuliers et ses cons\u00e9quences. Elle prononce la d\u00e9ch\u00e9ance totale du droit aux int\u00e9r\u00eats du pr\u00eateur et r\u00e9forme le montant de la condamnation.<\/p>\n<p>La rigueur probatoire attach\u00e9e \u00e0 la consultation du FICP<\/p>\n<p>La cour rappelle d&#8217;abord les exigences l\u00e9gales encadrant la v\u00e9rification de la solvabilit\u00e9. Le pr\u00eateur doit consulter le FICP avant la conclusion du contrat, sous peine de d\u00e9ch\u00e9ance de son droit aux int\u00e9r\u00eats. Elle pr\u00e9cise ensuite les conditions de forme issues de la jurisprudence pour que le justificatif ait force probante. &#8220;Il r\u00e9sulte par ailleurs d&#8217;une construction purement pr\u00e9torienne que le document justifiant de la consultation du FICP pour avoir force probante doit mentionner les points suivants: &#8216; le motif du pr\u00eat et l&#8217;organisme pr\u00eateur, &#8216; les nom et pr\u00e9nom de l&#8217;emprunteur, &#8216; la cl\u00e9 BDF, &#8216; la date et l&#8217;heure de la consultation, &#8216; la date et l&#8217;heure de r\u00e9ponse, &#8216; le r\u00e9sultat de la consultation.&#8221; (Motifs de la Cour)<\/p>\n<p>La port\u00e9e de cette exigence est consid\u00e9rable pour la charge de la preuve. En l&#8217;esp\u00e8ce, le document produit par le pr\u00eateur ne mentionnait pas le r\u00e9sultat de la consultation. La cour en d\u00e9duit que la preuve n&#8217;est pas d\u00fbment rapport\u00e9e, ce qui constitue un manquement \u00e0 l&#8217;obligation de v\u00e9rification. Cette analyse rejoint une jurisprudence constante sur le formalisme probatoire. Un tribunal a ainsi d\u00e9j\u00e0 sanctionn\u00e9 une consultation post\u00e9rieure \u00e0 la conclusion du contrat. &#8220;En l\u2019esp\u00e8ce, le justificatif de consultation du FICP porte mention de la date du 29 mars 2022, soit post\u00e9rieurement \u00e0 la conclusion du contrat le 21 mars 2022&#8230; D\u00e8s lors, la consultation du FICP est intervenue apr\u00e8s la conclusion d\u00e9finitive du contrat si bien que le pr\u00eateur ne justifie pas de la consultation du FICP pr\u00e9alablement \u00e0 l\u2019octroi du cr\u00e9dit selon l\u2019article L312-16.&#8221; (Tribunal judiciaire de Limoges, le 18 juillet 2025, n\u00b024\/01035) La valeur de l&#8217;arr\u00eat r\u00e9side dans son rappel exigeant de l&#8217;ensemble des mentions obligatoires, dont l&#8217;omission d&#8217;une seule est fatale.<\/p>\n<p>Les cons\u00e9quences civiles du manquement aux obligations pr\u00e9contractuelles<\/p>\n<p>La sanction du manquement est imm\u00e9diate et s\u00e9v\u00e8re. La cour applique l&#8217;article L. 341-2 du code de la consommation pour prononcer une d\u00e9ch\u00e9ance totale du droit aux int\u00e9r\u00eats. Cette sanction affecte ensuite le calcul pr\u00e9cis des sommes dues par l&#8217;emprunteur. Le capital restant d\u00fb est recalcul\u00e9 mais se voit express\u00e9ment priv\u00e9 de tout int\u00e9r\u00eat, conventionnel ou l\u00e9gal. L&#8217;indemnit\u00e9 conventionnelle, analys\u00e9e comme une <a href=\"https:\/\/kohenavocats.fr\/elementor-60\/avocats-droit-immobilier-paris\/avocat-compromis-vente-immobilier-paris\/\" target=\"_blank\" title=\"clause p\u00e9nale\">clause p\u00e9nale<\/a> assimilable \u00e0 des int\u00e9r\u00eats, est symboliquement r\u00e9duite \u00e0 un euro.<\/p>\n<p>La solution adopt\u00e9e a une port\u00e9e protectrice marqu\u00e9e pour l&#8217;emprunteur consommateur. Elle prive le pr\u00eateur de toute r\u00e9mun\u00e9ration de son cr\u00e9dit en raison de sa propre n\u00e9gligence. La cour refuse par ailleurs d&#8217;accorder des d\u00e9lais de paiement suppl\u00e9mentaires \u00e0 l&#8217;emprunteur. Elle estime que la dur\u00e9e de la proc\u00e9dure a d\u00e9j\u00e0 constitu\u00e9 un d\u00e9lai de fait et que la situation financi\u00e8re de l&#8217;emprunteur ne permet pas un \u00e9ch\u00e9ancier r\u00e9aliste. Cette d\u00e9cision pr\u00e9serve n\u00e9anmoins les effets du plan de surendettement, dont les mesures suspendent les proc\u00e9dures d&#8217;ex\u00e9cution. &#8220;les cr\u00e9anciers auxquels les mesures impos\u00e9es par la commission en application des articles L.733-1, L.733-4 et L.733-7 ou celles prises par le juge en application de l&#8217;article L.733-13 sont opposables ne peuvent exercer des proc\u00e9dures d&#8217;ex\u00e9cution \u00e0 l&#8217;encontre des biens du d\u00e9biteurs pendant la dur\u00e9e d&#8217;ex\u00e9cution de ces mesures.&#8221; (Tribunal judiciaire, le 9 f\u00e9vrier 2026, n\u00b025\/00457) L&#8217;arr\u00eat consacre ainsi une sanction civile rigoureuse et dissuasive pour garantir l&#8217;effectivit\u00e9 du contr\u00f4le pr\u00e9alable de la solvabilit\u00e9.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>La Cour d&#8217;appel de Douai, le 25 septembre 2025, statue sur un litige n\u00e9 d&#8217;un pr\u00eat personnel consenti en 2020. L&#8217;emprunteur, b\u00e9n\u00e9ficiaire d&#8217;un plan de surende&#8230;<\/p>\n","protected":false},"author":232070755,"featured_media":9621,"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":"68d62526f345149cf84d2b8b","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/68d62526f345149cf84d2b8b","_kj_judilibre_id":"68d62526f345149cf84d2b8b","_kj_jur":"Cour d'appel","_kj_lieu":"Cour d'appel de Douai","_kj_chambre":"CHAMBRE 8 SECTION 1","_kj_rg":"24\/02858","_kj_date":"2025-09-25","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-664629","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jurisprudence"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Cour d&#039;appel de Douai, le 25 septembre 2025, n\u00b024\/02858 - Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris<\/title>\n<meta name=\"description\" content=\"La Cour d&#039;appel de Douai, le 25 septembre 2025, statue sur un litige n\u00e9 d&#039;un pr\u00eat personnel consenti en 2020. 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