{"id":733221,"date":"2026-04-28T15:58:49","date_gmt":"2026-04-28T13:58:49","guid":{"rendered":"https:\/\/kohenavocats.com\/tribunal-judiciaire-de-vesoul-le-30-janvier-2026-n25-00016\/"},"modified":"2026-04-28T15:58:49","modified_gmt":"2026-04-28T13:58:49","slug":"tribunal-judiciaire-de-vesoul-le-30-janvier-2026-n25-00016","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/ar\/tribunal-judiciaire-de-vesoul-le-30-janvier-2026-n25-00016\/","title":{"rendered":"Tribunal judiciaire de Vesoul, le 30 janvier 2026, n\u00b025\/00016"},"content":{"rendered":"
\n

Le Tribunal judiciaire de Vesoul, dans un jugement du 30 janvier 2026, a statu\u00e9 sur l\u2019opposition form\u00e9e par un emprunteur contre une ordonnance d\u2019injonction de payer. Une banque r\u00e9clamait le remboursement d\u2019un cr\u00e9dit personnel de 9500 euros, mais le d\u00e9fendeur contestait sa signature sur le contrat \u00e9lectronique. La question de droit centrale portait sur la validit\u00e9 probatoire de cette signature et les cons\u00e9quences d\u2019une usurpation d\u2019identit\u00e9 all\u00e9gu\u00e9e. La juridiction a d\u00e9clar\u00e9 le contrat inopposable tout en ordonnant la restitution des fonds et un partage de responsabilit\u00e9.<\/p>\n

La recevabilit\u00e9 de l\u2019opposition est d\u2019abord confirm\u00e9e, celle-ci ayant \u00e9t\u00e9 form\u00e9e dans le d\u00e9lai l\u00e9gal d\u2019un mois suivant la signification \u00e0 \u00e9tude. Le jugement se substitue ensuite \u00e0 l\u2019ordonnance initiale pour statuer sur le fond du litige.<\/p>\n

La premi\u00e8re partie du raisonnement examine la contestation de la signature \u00e9lectronique. Le juge rappelle que la banque doit prouver la fiabilit\u00e9 du proc\u00e9d\u00e9 pour b\u00e9n\u00e9ficier de la pr\u00e9somption l\u00e9gale. En l\u2019esp\u00e8ce, le fichier de preuve produit fait r\u00e9f\u00e9rence \u00e0 une politique de signature, mais la certification de l\u2019organisme tiers concerne une politique diff\u00e9rente. D\u00e8s lors, “la banque ne peut b\u00e9n\u00e9ficier de la pr\u00e9somption de fiabilit\u00e9 de la signature \u00e9lectronique de M. [U] [J]”<\/em> (Motivation, II). Ce d\u00e9faut de preuve, combin\u00e9 au d\u00e9p\u00f4t de plainte pour usurpation d\u2019identit\u00e9, conduit le tribunal \u00e0 estimer que le contrat de cr\u00e9dit est inopposable au d\u00e9fendeur. La solution a une valeur protectrice forte, imposant au pr\u00eateur un devoir de vigilance accru dans la v\u00e9rification \u00e9lectronique de l\u2019identit\u00e9 du cocontractant.<\/p>\n

La seconde partie du raisonnement traite des cons\u00e9quences financi\u00e8res de cette inopposabilit\u00e9. La juridiction ordonne la restitution du capital vers\u00e9, soit 9500 euros, sur le fondement de la r\u00e9p\u00e9tition de l\u2019indu, car “tout paiement suppose une dette ; ce qui a \u00e9t\u00e9 re\u00e7u sans \u00eatre d\u00fb est sujet \u00e0 restitution”<\/em> (Motivation, III). Cependant, elle reconna\u00eet une faute de la banque, qui a accord\u00e9 le pr\u00eat sans contact direct avec l\u2019emprunteur, et une faute de ce dernier, qui a vir\u00e9 les fonds \u00e0 un usurpateur malgr\u00e9 des indices suspects. Le pr\u00e9judice est ainsi partag\u00e9 par moiti\u00e9, la banque \u00e9tant condamn\u00e9e \u00e0 4750 euros de dommages et int\u00e9r\u00eats avec compensation des cr\u00e9ances. La port\u00e9e de cette d\u00e9cision est d\u2019\u00e9quilibrer la rigueur contractuelle avec la r\u00e9alit\u00e9 d\u2019une fraude, en responsabilisant chaque partie selon sa contribution au dommage.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Le Tribunal judiciaire de Vesoul, dans un jugement du 30 janvier 2026, a statu\u00e9 sur l\u2019opposition form\u00e9e par un emprunteur contre une ordonnance…<\/p>\n","protected":false},"author":232070755,"featured_media":4865,"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":"699f639acdc6046d47bbbcb8","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/699f639acdc6046d47bbbcb8","_kj_judilibre_id":"699f639acdc6046d47bbbcb8","_kj_jur":"Tribunal judiciaire","_kj_lieu":"Vesoul","_kj_chambre":"JCP","_kj_rg":"25\/00016","_kj_date":"2026-01-30","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[6454,6440],"tags":[],"class_list":["post-733221","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-decisions-juridiques","category-tribunal-judiciaire"],"yoast_head":"\nTribunal judiciaire de Vesoul, le 30 janvier 2026, n\u00b025\/00016 - 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Le bailleur social demandait la r\u00e9siliation du bail ...","rel":"","context":"\u0641\u064a "Jurisprudence"","block_context":{"text":"Jurisprudence","link":"https:\/\/kohenavocats.com\/category\/jurisprudence\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/07\/valentino-mazzariello-Ndm1hhIcwHc-unsplash.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/07\/valentino-mazzariello-Ndm1hhIcwHc-unsplash.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/07\/valentino-mazzariello-Ndm1hhIcwHc-unsplash.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/07\/valentino-mazzariello-Ndm1hhIcwHc-unsplash.webp?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/07\/valentino-mazzariello-Ndm1hhIcwHc-unsplash.webp?resize=1050%2C600&ssl=1 3x, https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/07\/valentino-mazzariello-Ndm1hhIcwHc-unsplash.webp?resize=1400%2C800&ssl=1 4x"},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/kohenavocats.com\/ar\/wp-json\/wp\/v2\/posts\/733221","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kohenavocats.com\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kohenavocats.com\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kohenavocats.com\/ar\/wp-json\/wp\/v2\/users\/232070755"}],"replies":[{"embeddable":true,"href":"https:\/\/kohenavocats.com\/ar\/wp-json\/wp\/v2\/comments?post=733221"}],"version-history":[{"count":0,"href":"https:\/\/kohenavocats.com\/ar\/wp-json\/wp\/v2\/posts\/733221\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kohenavocats.com\/ar\/wp-json\/wp\/v2\/media\/4865"}],"wp:attachment":[{"href":"https:\/\/kohenavocats.com\/ar\/wp-json\/wp\/v2\/media?parent=733221"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kohenavocats.com\/ar\/wp-json\/wp\/v2\/categories?post=733221"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kohenavocats.com\/ar\/wp-json\/wp\/v2\/tags?post=733221"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}