{"id":1235721,"date":"2026-07-03T07:12:32","date_gmt":"2026-07-03T05:12:32","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-de-versailles-le-5-mai-2026-n25-02433\/"},"modified":"2026-07-03T07:13:23","modified_gmt":"2026-07-03T05:13:23","slug":"cour-dappel-de-versailles-le-5-mai-2026-n25-02433","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/en\/cour-dappel-de-versailles-le-5-mai-2026-n25-02433\/","title":{"rendered":"Cour d&#8217;appel de Versailles, le 5 mai 2026, n\u00b025\/02433"},"content":{"rendered":"<div class='article-content'>\n<style scoped>.toc-article{background:#f8f9fa;border:1px solid #e2e6ea;border-left:4px solid #2c5f8a;border-radius:6px;padding:20px 24px;margin:0 0 32px;font-size:15px;line-height:1.6}.toc-article p{margin:0 0 10px;font-size:16px;font-weight:600;color:#1a1a1a}.toc-article ul{list-style:none;margin:0;padding:0}.toc-article li.toc-h2{padding:4px 0}.toc-article li.toc-h3{padding:2px 0 2px 20px;font-size:14px}.toc-article a{color:#2c5f8a;text-decoration:none;border-bottom:1px dotted #a0b4c8}.toc-article a:hover{color:#1a3d5c;border-bottom-color:#1a3d5c}<\/style>\n<nav class=\"toc-article\" role=\"navigation\" aria-label=\"Sommaire\">\n<p>Sommaire<\/p>\n<ul>\n<li class=\"toc-h2\"><a href=\"#i-lencadre-du-contrat-de-credit-a-la-consommation-une-obligation-dinformation-st\">I. L&#8217;ENCADR\u00c9 DU CONTRAT DE CR\u00c9DIT \u00c0 LA CONSOMMATION : UNE OBLIGATION D&#8217;INFORMATION STRICTEMENT D\u00c9LIMIT\u00c9E<\/a><\/li>\n<li class=\"toc-h3\"><a href=\"#a-la-portee-des-mentions-obligatoires-de-lencadre\">A. La port\u00e9e des mentions obligatoires de l&#8217;encadr\u00e9<\/a><\/li>\n<li class=\"toc-h3\"><a href=\"#b-les-consequences-de-linfirmation-de-la-decheance-du-droit-aux-interets\">B. Les cons\u00e9quences de l&#8217;infirmation de la d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats<\/a><\/li>\n<li class=\"toc-h2\"><a href=\"#ii-lexigibilite-de-la-creance-et-le-pouvoir-moderateur-du-juge\">II. L&#8217;EXIGIBILIT\u00c9 DE LA CR\u00c9ANCE ET LE POUVOIR MOD\u00c9RATEUR DU JUGE<\/a><\/li>\n<li class=\"toc-h3\"><a href=\"#a-la-regularite-de-la-decheance-du-terme-et-le-montant-de-la-creance\">A. La r\u00e9gularit\u00e9 de la d\u00e9ch\u00e9ance du terme et le montant de la cr\u00e9ance<\/a><\/li>\n<li class=\"toc-h3\"><a href=\"#b-le-controle-de-lindemnite-conventionnelle-et-son-caractere-manifestement-exces\">B. Le contr\u00f4le de l&#8217;indemnit\u00e9 conventionnelle et son caract\u00e8re manifestement excessif<\/a><\/li>\n<li class=\"toc-h2\"><a href=\"#jurisprudences-utilisees-pour-enrichir-le-commentaire\">Jurisprudences utilis\u00e9es pour enrichir le commentaire<\/a><\/li>\n<li class=\"toc-h2\"><a href=\"#fondements-juridiques\">Fondements juridiques<\/a><\/li>\n<\/ul>\n<\/nav>\n<p><h2 id=\"i-lencadre-du-contrat-de-credit-a-la-consommation-une-obligation-dinformation-st\">I. L&#8217;ENCADR\u00c9 DU CONTRAT DE CR\u00c9DIT \u00c0 LA CONSOMMATION : UNE OBLIGATION D&#8217;INFORMATION STRICTEMENT D\u00c9LIMIT\u00c9E<\/h2>\n<p><\/p>\n<h3 id=\"a-la-portee-des-mentions-obligatoires-de-lencadre\">A. La port\u00e9e des mentions obligatoires de l&#8217;encadr\u00e9<\/h3>\n<p>Par un arr\u00eat du 5 mai 2026, la Cour d&#8217;appel de Versailles a infirm\u00e9 le jugement du tribunal judiciaire de Versailles du 23 janvier 2025 qui avait prononc\u00e9 la d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats de l&#8217;\u00e9tablissement pr\u00eateur. Le litige portait sur un contrat de cr\u00e9dit conclu le 5 octobre 2018, pour lequel l&#8217;encadr\u00e9 pr\u00e9vu \u00e0 l&#8217;article L. 312-28 du code de la consommation mentionnait une mensualit\u00e9 de 328,86 euros hors assurance facultative, alors que la mensualit\u00e9 r\u00e9elle avec assurance s&#8217;\u00e9levait \u00e0 382,86 euros. Le premier juge avait estim\u00e9 que cette omission constituait un manquement aux exigences d&#8217;information pr\u00e9contractuelle.<\/p>\n<p>La cour d&#8217;appel \u00e9nonce que <em>&#8220;cet article s&#8217;interpr\u00e8te en ce sens que le montant de l&#8217;\u00e9ch\u00e9ance qui doit figurer dans l&#8217;encadr\u00e9 au titre des informations sur les caract\u00e9ristiques essentielles du contrat de cr\u00e9dit n&#8217;inclut pas le co\u00fbt mensuel de l&#8217;assurance souscrite par l&#8217;emprunteur accessoirement \u00e0 ce contrat&#8221;<\/em> (civ. 1, 8 avril 2021, pourvoi n\u00b0 19 25.236). Elle rel\u00e8ve que l&#8217;encadr\u00e9 mentionnait 119 \u00e9ch\u00e9ances de 328,86 euros et une derni\u00e8re de 327,85 euros, montant correspondant \u00e0 la mensualit\u00e9 hors assurance facultative. L&#8217;assurance, souscrite \u00e0 titre accessoire, ajoutait 54 euros par mois sans que cette information doive figurer dans l&#8217;encadr\u00e9.<\/p>\n<p>La solution de la cour d&#8217;appel consacre une interpr\u00e9tation restrictive des obligations d&#8217;information du pr\u00eateur. L&#8217;article R. 312-10 du code de la consommation \u00e9num\u00e8re limitativement les mentions devant figurer dans l&#8217;encadr\u00e9. Le montant de l&#8217;assurance facultative n&#8217;y est pas express\u00e9ment pr\u00e9vu comme une caract\u00e9ristique essentielle du cr\u00e9dit. La cour d&#8217;appel de Versailles s&#8217;inscrit dans la droite ligne de la jurisprudence de la Cour de cassation qui distingue le contrat de cr\u00e9dit lui-m\u00eame du contrat d&#8217;assurance accessoire.<\/p>\n<h3 id=\"b-les-consequences-de-linfirmation-de-la-decheance-du-droit-aux-interets\">B. Les cons\u00e9quences de l&#8217;infirmation de la d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats<\/h3>\n<p>En pronon\u00e7ant l&#8217;infirmation du jugement, la Cour d&#8217;appel de Versailles \u00e9carte la sanction de la d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats et de l&#8217;indemnit\u00e9 de r\u00e9siliation. Elle consid\u00e8re que l&#8217;\u00e9tablissement pr\u00eateur n&#8217;a pas enfreint les dispositions du code de la consommation en ne faisant figurer dans l&#8217;encadr\u00e9 que le montant de la mensualit\u00e9 hors assurance facultative. Le jugement est infirm\u00e9 en ce qu&#8217;il avait <em>&#8220;prononc\u00e9 la d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats conventionnels au titre du contrat de cr\u00e9dit&#8221;<\/em>.<\/p>\n<p>La cour pr\u00e9cise que la demande de capitalisation des int\u00e9r\u00eats n&#8217;est pas soumise \u00e0 son examen, l&#8217;appelante n&#8217;ayant formul\u00e9 aucune demande dans le dispositif de ses \u00e9critures. Cette disposition du jugement devient donc d\u00e9finitive. La cour d&#8217;appel r\u00e9tablit ainsi le droit du pr\u00eateur de percevoir les int\u00e9r\u00eats au taux contractuel de 5,72 %, ce qui modifie substantiellement l&#8217;\u00e9conomie de la condamnation prononc\u00e9e en premi\u00e8re instance.<\/p>\n<p>Cette solution s&#8217;inscrit dans un mouvement jurisprudentiel qui tend \u00e0 limiter les cas de d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats aux seuls manquements express\u00e9ment sanctionn\u00e9s par le code de la consommation. La cour d&#8217;appel de Versailles \u00e9carte l&#8217;application d&#8217;une sanction que le premier juge avait fond\u00e9e sur une interpr\u00e9tation extensive de l&#8217;obligation d&#8217;information.<\/p>\n<h2 id=\"ii-lexigibilite-de-la-creance-et-le-pouvoir-moderateur-du-juge\">II. L&#8217;EXIGIBILIT\u00c9 DE LA CR\u00c9ANCE ET LE POUVOIR MOD\u00c9RATEUR DU JUGE<\/h2>\n<p><\/p>\n<h3 id=\"a-la-regularite-de-la-decheance-du-terme-et-le-montant-de-la-creance\">A. La r\u00e9gularit\u00e9 de la d\u00e9ch\u00e9ance du terme et le montant de la cr\u00e9ance<\/h3>\n<p>La Cour d&#8217;appel de Versailles examine ensuite le bien-fond\u00e9 de la cr\u00e9ance de l&#8217;\u00e9tablissement pr\u00eateur. Elle constate que l&#8217;emprunteur a cess\u00e9 ses paiements et que deux mises en demeure ont \u00e9t\u00e9 adress\u00e9es les 29 d\u00e9cembre 2023 et 19 janvier 2024. En raison du non-respect de la premi\u00e8re mise en demeure, <em>&#8220;c&#8217;est \u00e0 bon droit que l&#8217;\u00e9tablissement pr\u00eateur a prononc\u00e9 la d\u00e9ch\u00e9ance du terme&#8221;<\/em>.<\/p>\n<p>La cour d&#8217;appel v\u00e9rifie les pi\u00e8ces produites par le pr\u00eateur : offre de pr\u00eat, FIPEN, fiche de dialogue, consultation du FICP, tableau d&#8217;amortissement, historique de compte et d\u00e9compte de cr\u00e9ance. Elle retient que la cr\u00e9ance s&#8217;\u00e9tablit \u00e0 21 093,30 euros, comprenant le capital restant d\u00fb de 20 150,59 euros, les int\u00e9r\u00eats \u00e9chus de 864,71 euros et l&#8217;assurance \u00e9chue de 78 euros. L&#8217;emprunteur est condamn\u00e9 au paiement de la somme de 20 150,59 euros avec int\u00e9r\u00eats au taux contractuel de 5,72 % \u00e0 compter du 19 janvier 2024.<\/p>\n<p>La solution s&#8217;inscrit dans le cadre de l&#8217;article L. 312-39 du code de la consommation qui autorise le pr\u00eateur \u00e0 exiger le remboursement imm\u00e9diat du capital restant d\u00fb en cas de d\u00e9faillance de l&#8217;emprunteur. La cour d&#8217;appel de Versailles applique strictement ces dispositions, \u00e9cartant toute contestation sur la r\u00e9gularit\u00e9 de la proc\u00e9dure de d\u00e9ch\u00e9ance du terme. Elle reprend un raisonnement similaire \u00e0 celui tenu par d&#8217;autres juridictions qui, face \u00e0 un d\u00e9faut de paiement caract\u00e9ris\u00e9, reconnaissent que <em>&#8220;le d\u00e9faut de paiement de l&#8217;emprunteur est suffisamment grave pour justifier la r\u00e9siliation du contrat de pr\u00eat&#8221;<\/em> <strong><a href=\"https:\/\/www.courdecassation.fr\/decision\/67ecc5c8955548e0aba48f56\" rel=\"nofollow\" target=\"_blank\">(Cour d&#8217;appel de Versailles, 1er avril 2025, n\u00b024\/05500)<\/a><\/strong>.<\/p>\n<h3 id=\"b-le-controle-de-lindemnite-conventionnelle-et-son-caractere-manifestement-exces\">B. Le contr\u00f4le de l&#8217;indemnit\u00e9 conventionnelle et son caract\u00e8re manifestement excessif<\/h3>\n<p>La cour d&#8217;appel examine la demande d&#8217;indemnit\u00e9 conventionnelle de 1 612,05 euros, correspondant \u00e0 8 % du capital restant d\u00fb conform\u00e9ment \u00e0 l&#8217;article D. 312-16 du code de la consommation. Elle rappelle le pouvoir du juge de mod\u00e9rer la p\u00e9nalit\u00e9 pr\u00e9vue au contrat en application de l&#8217;article 1231-5 du code civil, si elle est manifestement excessive ou d\u00e9risoire.<\/p>\n<p>Pour appr\u00e9cier le caract\u00e8re excessif de l&#8217;indemnit\u00e9, la cour se r\u00e9f\u00e8re \u00e0 <em>&#8220;l&#8217;\u00e9conomie globale du contrat et \u00e0 son \u00e9quilibre, ainsi qu&#8217;\u00e0 son application, et notamment au montant du cr\u00e9dit, \u00e0 la dur\u00e9e d&#8217;ex\u00e9cution du contrat, au b\u00e9n\u00e9fice d\u00e9j\u00e0 retir\u00e9 par le pr\u00eateur, au taux pratiqu\u00e9 et au pourcentage fix\u00e9 pour l&#8217;indemnit\u00e9&#8221;<\/em>. Elle estime que <em>&#8220;compte tenu du montant et de la dur\u00e9e du pr\u00eat, du taux d&#8217;int\u00e9r\u00eat pratiqu\u00e9, et des r\u00e8glements d\u00e9j\u00e0 intervenus, l&#8217;indemnit\u00e9 contractuelle de 8 % appara\u00eet manifestement excessive au regard du b\u00e9n\u00e9fice d\u00e9j\u00e0 retir\u00e9 par le pr\u00eateur&#8221;<\/em>.<\/p>\n<p>La cour r\u00e9duit l&#8217;indemnit\u00e9 \u00e0 100 euros, assortie des int\u00e9r\u00eats au taux l\u00e9gal \u00e0 compter de l&#8217;arr\u00eat. Cette d\u00e9cision s&#8217;inscrit dans un contr\u00f4le rigoureux des clauses p\u00e9nales dans les contrats de cr\u00e9dit \u00e0 la consommation. Les juridictions du fond disposent d&#8217;un large pouvoir d&#8217;appr\u00e9ciation pour mod\u00e9rer les indemnit\u00e9s conventionnelles, en tenant compte de l&#8217;\u00e9conomie du contrat et du pr\u00e9judice r\u00e9ellement subi par le pr\u00eateur. Cette approche est conforme \u00e0 la jurisprudence constante qui permet au juge de r\u00e9duire l&#8217;indemnit\u00e9 \u00e0 un montant symbolique lorsqu&#8217;elle appara\u00eet disproportionn\u00e9e par rapport au b\u00e9n\u00e9fice retir\u00e9 par le pr\u00eateur.<\/p>\n<p><h2 id=\"jurisprudences-utilisees-pour-enrichir-le-commentaire\">Jurisprudences utilis\u00e9es pour enrichir le commentaire<\/h2>\n<p><\/p>\n<ul class=\"jurisprudences-rag-sources\">\n<li><a href=\"https:\/\/www.courdecassation.fr\/decision\/67ecc5c8955548e0aba48f56\" rel=\"nofollow\" target=\"_blank\">Cour d&#x27;appel de Versailles, le 1 avril 2025, n\u00b024\/05500<\/a><\/li>\n<li><a href=\"https:\/\/www.courdecassation.fr\/decision\/67da5f1a394dca364c71c854\" rel=\"nofollow\" target=\"_blank\">Cour d&#x27;appel de Reims, le 18 mars 2025, n\u00b024\/00912<\/a><\/li>\n<\/ul>\n<\/div>\n<style scoped>.fondements-juridiques{margin:40px 0 0;padding:0}.fondements-juridiques>h2{font-size:22px;color:#1a1a1a;border-bottom:2px solid #2c5f8a;padding-bottom:10px;margin-bottom:20px}.fj-article{background:#fdfdfd;border:1px solid #e8e8e8;border-radius:6px;padding:20px;margin-bottom:16px}.fj-article h3{font-size:17px;color:#2c5f8a;margin:0 0 12px;font-weight:600}.fj-texte{font-size:15px;line-height:1.7;color:#333}.fj-texte p{margin:8px 0}.fj-badge{font-size:11px;padding:2px 8px;border-radius:3px;margin-left:8px;font-weight:500;vertical-align:middle}.fj-en-vigueur{background:#e8f5e9;color:#2e7d32}.fj-abroge{background:#ffebee;color:#c62828}.fj-modifie{background:#fff3e0;color:#e65100}<\/style>\n<section class=\"fondements-juridiques\">\n<h2 id=\"fondements-juridiques\">Fondements juridiques<\/h2>\n<div class=\"fj-article\">\n<h3><a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/article_lc\/LEGIARTI000032890824\" rel=\"nofollow\" target=\"_blank\">Article L. 312-39 du Code de la consommation<\/a> <span class=\"fj-badge fj-en-vigueur\">En vigueur<\/span><\/h3>\n<div class=\"fj-texte\">\n<p>En cas de d\u00e9faillance de l&#8217;emprunteur, le pr\u00eateur peut exiger le remboursement imm\u00e9diat du capital restant d\u00fb, major\u00e9 des int\u00e9r\u00eats \u00e9chus mais non pay\u00e9s. Jusqu&#8217;\u00e0 la date du r\u00e8glement effectif, les sommes restant dues produisent les int\u00e9r\u00eats de retard \u00e0 un taux \u00e9gal \u00e0 celui du pr\u00eat.<br \/>En outre, le pr\u00eateur peut demander \u00e0 l&#8217;emprunteur d\u00e9faillant une indemnit\u00e9 qui, d\u00e9pendant de la dur\u00e9e restant \u00e0 courir du contrat et sans pr\u00e9judice de l&#8217;application de l&#8217;article 1231-5 du code civil, est fix\u00e9e suivant un bar\u00e8me d\u00e9termin\u00e9 par d\u00e9cret.<\/p>\n<\/div>\n<\/div>\n<div class=\"fj-article\">\n<h3><a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/article_lc\/LEGIARTI000032807446\" rel=\"nofollow\" target=\"_blank\">Article D. 312-16 du Code de la consommation<\/a> <span class=\"fj-badge fj-en-vigueur\">En vigueur<\/span><\/h3>\n<div class=\"fj-texte\">\n<p>Lorsque le pr\u00eateur exige le remboursement imm\u00e9diat du capital restant d\u00fb en application de l&#8217;article L. 312-39, il peut demander une indemnit\u00e9 \u00e9gale \u00e0 8 % du capital restant d\u00fb \u00e0 la date de la d\u00e9faillance.<\/p>\n<\/div>\n<\/div>\n<div class=\"fj-article\">\n<h3><a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/article_lc\/LEGIARTI000032010131\" rel=\"nofollow\" target=\"_blank\">Article 1231-5 du Code civil<\/a> <span class=\"fj-badge fj-en-vigueur\">En vigueur<\/span><\/h3>\n<div class=\"fj-texte\">\n<p>Lorsque le contrat stipule que celui qui manquera de l&#8217;ex\u00e9cuter paiera une certaine somme \u00e0 titre de dommages et int\u00e9r\u00eats, il ne peut \u00eatre allou\u00e9 \u00e0 l&#8217;autre partie une somme plus forte ni moindre.<\/p>\n<p>N\u00e9anmoins, le juge peut, m\u00eame d&#8217;office, mod\u00e9rer ou augmenter la p\u00e9nalit\u00e9 ainsi convenue si elle est manifestement excessive ou d\u00e9risoire.<\/p>\n<p>Lorsque l&#8217;engagement a \u00e9t\u00e9 ex\u00e9cut\u00e9 en partie, la p\u00e9nalit\u00e9 convenue peut \u00eatre diminu\u00e9e par le juge, m\u00eame d&#8217;office, \u00e0 proportion de l&#8217;int\u00e9r\u00eat que l&#8217;ex\u00e9cution partielle a procur\u00e9 au cr\u00e9ancier, sans pr\u00e9judice de l&#8217;application de l&#8217;alin\u00e9a pr\u00e9c\u00e9dent.<\/p>\n<p>Toute stipulation contraire aux deux alin\u00e9as pr\u00e9c\u00e9dents est r\u00e9put\u00e9e non \u00e9crite.<\/p>\n<p>Sauf inex\u00e9cution d\u00e9finitive, la p\u00e9nalit\u00e9 n&#8217;est encourue que lorsque le d\u00e9biteur est mis en demeure.<\/p>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"closing\" id=\"envoyer-pieces\" style=\"margin:48px 0 36px;padding:48px 36px;text-align:center;border-radius:24px;background:radial-gradient(circle at 50% 0%,rgba(0,0,204,0.08) 0%,transparent 60%),rgba(255,255,255,0.72);border:1px solid rgba(10,10,10,0.08);\">\n<div class=\"closing-heading\" role=\"heading\" aria-level=\"2\" style=\"font-size:clamp(30px,4vw,44px);line-height:1.18;font-weight:700;margin:0 0 18px;letter-spacing:-0.022em;color:#1B1B1B;font-family:Lato,sans-serif;\">Envoyez vos pi\u00e8ces. Recevez une <span class=\"nowrap\" style=\"white-space:nowrap;\"><span class=\"tag\" style=\"display:inline-block;background:#0000CC;color:#fff;padding:2px 14px 5px;border-radius:10px;font-weight:700;letter-spacing:-0.005em;box-shadow:0 6px 20px rgba(0,0,204,.10);\">strat\u00e9gie<\/span>.<\/span><\/div>\n<p>Transmettez les pi\u00e8ces de votre dossier au cabinet. Ma\u00eetre Hassan KOHEN vous r\u00e9pond personnellement sous 24 heures avec une premi\u00e8re analyse strat\u00e9gique.<\/p>\n<div class=\"cta-row\" style=\"display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin:24px 0;\"><a class=\"cta cta-primary\" href=\"tel:+33689113445\" style=\"display:inline-block;padding:14px 26px;background:#0000CC;color:#ffffff;border-radius:10px;text-decoration:none;font-weight:700;box-shadow:0 10px 30px rgba(0,0,204,0.18);\">Appeler maintenant \u2192<\/a><a class=\"cta cta-secondary\" href=\"mailto:contact@kohenavocats.com?subject=Demande%20d%27analyse\" style=\"display:inline-block;padding:14px 26px;background:rgba(255,255,255,0.95);color:#1B1B1B;border:1px solid rgba(10,10,10,0.12);border-radius:10px;text-decoration:none;font-weight:700;\">\u00c9crire au cabinet<\/a><\/div>\n<div class=\"promises\" style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:14px;max-width:880px;margin:30px auto 12px;font-size:14px;color:#4A4A4A;font-weight:700;\">\n<div class=\"promise\">Premi\u00e8re analyse offerte<\/div>\n<div class=\"promise\">R\u00e9ponse personnelle sous 24 h<\/div>\n<div class=\"promise\">100 % confidentiel<\/div>\n<div class=\"promise\">Jusqu&#8217;\u00e0 1 Go de pi\u00e8ces<\/div>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>I. L&#8217;ENCADR\u00c9 DU CONTRAT DE CR\u00c9DIT \u00c0 LA CONSOMMATION : UNE OBLIGATION D&#8217;INFORMATION STRICTEMENT D\u00c9LIMIT\u00c9E A. La port\u00e9e des mentions obligatoires de&#8230;<\/p>\n","protected":false},"author":232070755,"featured_media":4845,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_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":"69facbc1cdc6046d47be606c","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/69facbc1cdc6046d47be606c","_kj_judilibre_id":"69facbc1cdc6046d47be606c","_kj_jur":"Cour d'appel","_kj_lieu":"Versailles","_kj_chambre":"Chambre civile 1-2","_kj_rg":"25\/02433","_kj_date":"2026-05-05","_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7096,6455,6454],"tags":[],"class_list":["post-1235721","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-code-des-assurances","category-cour-dappel","category-decisions-juridiques"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.9 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Cour d&#039;appel de Versailles, le 5 mai 2026, n\u00b025\/02433 - Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris<\/title>\n<meta name=\"description\" content=\"I. 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