{"id":758113,"date":"2026-04-29T17:21:31","date_gmt":"2026-04-29T15:21:31","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-de-montpellier-le-15-janvier-2026-n24-04922-2\/"},"modified":"2026-04-29T17:21:31","modified_gmt":"2026-04-29T15:21:31","slug":"cour-dappel-de-montpellier-le-15-janvier-2026-n24-04922-2","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/en\/cour-dappel-de-montpellier-le-15-janvier-2026-n24-04922-2\/","title":{"rendered":"Cour d&#8217;appel de Montpellier, le 15 janvier 2026, n\u00b024\/04922"},"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=\"#fondements-juridiques\">Fondements juridiques<\/a><\/li>\n<\/ul>\n<\/nav>\n<p>L\u2019arr\u00eat rendu par la cour d\u2019appel de Montpellier le 15 janvier 2026 porte sur le litige opposant un \u00e9tablissement de cr\u00e9dit \u00e0 une emprunteuse d\u00e9faillante. Une soci\u00e9t\u00e9 de cr\u00e9dit a consenti un regroupement de pr\u00eats \u00e0 une consommatrice, qui a cess\u00e9 ses remboursements. Le pr\u00eateur a prononc\u00e9 la d\u00e9ch\u00e9ance du terme et assign\u00e9 l\u2019emprunteuse en paiement. Le juge de proximit\u00e9 a prononc\u00e9 la d\u00e9ch\u00e9ance totale du droit aux int\u00e9r\u00eats conventionnels, estimant que l\u2019assurance \u00e9tait obligatoire. La soci\u00e9t\u00e9 de cr\u00e9dit a relev\u00e9 appel de cette d\u00e9cision. La question de droit centrale \u00e9tait de savoir si le d\u00e9faut de mention du co\u00fbt de l\u2019assurance dans l\u2019encadr\u00e9 initial justifiait la d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats. La cour d\u2019appel a infirm\u00e9 le jugement et r\u00e9tabli les int\u00e9r\u00eats contractuels.<\/p>\n<p>I. La qualification de l\u2019assurance comme facultative exclut la d\u00e9ch\u00e9ance des int\u00e9r\u00eats.<\/p>\n<p>La cour consid\u00e8re que l\u2019offre de cr\u00e9dit d\u00e9montre le caract\u00e8re facultatif de l\u2019assurance, ce qui \u00e9carte l\u2019obligation d\u2019int\u00e9grer son co\u00fbt dans le TAEG. Elle rel\u00e8ve que le formulaire mentionne express\u00e9ment <em>&#8220;Vous pouvez ne pas adh\u00e9rer \u00e0 l\u2019assurance facultative&#8221;<\/em> et que l\u2019emprunteuse a coch\u00e9 la case <em>&#8220;avec assurance&#8221;<\/em> (point 12). La sanction de la d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats suppose que l\u2019assurance soit impos\u00e9e par le pr\u00eateur. En l\u2019esp\u00e8ce, l\u2019emprunteuse a librement choisi d\u2019y souscrire, comme le prouve la case coch\u00e9e. La cour pr\u00e9cise que <em>&#8220;l\u2019encadr\u00e9 \u00e0 ins\u00e9rer en d\u00e9but de contrat n\u2019avait pas \u00e0 indiquer le co\u00fbt d\u2019une telle assurance&#8221;<\/em> (point 14). La valeur de cette solution est de rappeler que la sanction ne s\u2019applique qu\u2019en cas d\u2019assurance obligatoire impos\u00e9e. La port\u00e9e de cet arr\u00eat est de prot\u00e9ger le pr\u00eateur de bonne foi qui offre un choix clair \u00e0 l\u2019emprunteur.<\/p>\n<p>II. La r\u00e9duction de la clause p\u00e9nale n\u2019est pas justifi\u00e9e par des motifs g\u00e9n\u00e9raux.<\/p>\n<p>La cour infirme la r\u00e9duction de la clause p\u00e9nale \u00e0 312,51 euros, faute pour le premier juge d\u2019avoir caract\u00e9ris\u00e9 son caract\u00e8re manifestement excessif. Elle estime que le jugement <em>&#8220;ne caract\u00e9rise pas autrement que par des g\u00e9n\u00e9ralit\u00e9s l\u2019excessivit\u00e9 de cette clause p\u00e9nale&#8221;<\/em> (point 15). Le sens de cette d\u00e9cision est de rappeler que la r\u00e9duction judiciaire de la clause p\u00e9nale doit \u00eatre sp\u00e9cialement motiv\u00e9e. La valeur de cette solution est de garantir le respect du principe de la force obligatoire du contrat. La port\u00e9e de l\u2019arr\u00eat est d\u2019inviter les juges \u00e0 ne pas r\u00e9duire une clause sans d\u00e9montrer concr\u00e8tement son caract\u00e8re excessif.<\/p>\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\/LEGIARTI000035651060\" rel=\"nofollow\" target=\"_blank\">Article L. 2314-23 du Code du travail<\/a> <span class=\"fj-badge fj-en-vigueur\">En vigueur<\/span><\/h3>\n<div class=\"fj-texte\">\n<p>Pour les salari\u00e9s mis \u00e0 disposition qui remplissent les conditions mentionn\u00e9es au 2\u00b0 de l&#8217;article L. 1111-2, la condition de pr\u00e9sence dans l&#8217;entreprise utilisatrice est de douze mois continus pour y \u00eatre \u00e9lecteur. Les salari\u00e9s mis \u00e0 disposition ne sont pas \u00e9ligibles dans l&#8217;entreprise utilisatrice. <\/p>\n<p>Les salari\u00e9s mis \u00e0 disposition qui remplissent les conditions mentionn\u00e9es au premier alin\u00e9a choisissent s&#8217;ils exercent leur droit de vote dans l&#8217;entreprise qui les emploie ou l&#8217;entreprise utilisatrice.<\/p>\n<\/div>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019arr\u00eat rendu par la cour d\u2019appel de Montpellier le 15 janvier 2026 porte sur le litige opposant un \u00e9tablissement de cr\u00e9dit \u00e0 une emprunteuse d\u00e9faillante&#8230;.<\/p>\n","protected":false},"author":232070755,"featured_media":9480,"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":"","_kj_official_id":"","_kj_official_url":"","_kj_judilibre_id":"","_kj_jur":"","_kj_lieu":"","_kj_chambre":"","_kj_rg":"","_kj_date":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[6455,6454],"tags":[],"class_list":["post-758113","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cour-dappel","category-decisions-juridiques"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - 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Le...","rel":"","context":"In &quot;D\u00e9cisions juridiques&quot;","block_context":{"text":"D\u00e9cisions juridiques","link":"https:\/\/kohenavocats.com\/category\/decisions-juridiques\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/11\/getty-images-UdHwfvSivWU-unsplash.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/11\/getty-images-UdHwfvSivWU-unsplash.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/11\/getty-images-UdHwfvSivWU-unsplash.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/11\/getty-images-UdHwfvSivWU-unsplash.webp?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/11\/getty-images-UdHwfvSivWU-unsplash.webp?resize=1050%2C600&ssl=1 3x, https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/11\/getty-images-UdHwfvSivWU-unsplash.webp?resize=1400%2C800&ssl=1 4x"},"classes":[]},{"id":441041,"url":"https:\/\/kohenavocats.com\/en\/cour-de-cassation-le-28-janvier-2026-n24-20-866\/","url_meta":{"origin":758113,"position":5},"title":"Cour de cassation, le 28 janvier 2026, n\u00b024-20.866","author":"","date":"4 April 2026","format":false,"excerpt":"Il r\u00e9sulte de l'article 1147 du code civil, dans sa r\u00e9daction ant\u00e9rieure \u00e0 celle issue de l'ordonnance n\u00b02010-131 du 10 f\u00e9vrier 2016, que l'organisateur...","rel":"","context":"In &quot;Cour de cassation&quot;","block_context":{"text":"Cour de cassation","link":"https:\/\/kohenavocats.com\/category\/cour-de-cassation\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/11\/pawel-czerwinski-plv4_0R9-dc-unsplash.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/11\/pawel-czerwinski-plv4_0R9-dc-unsplash.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/11\/pawel-czerwinski-plv4_0R9-dc-unsplash.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/11\/pawel-czerwinski-plv4_0R9-dc-unsplash.webp?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/11\/pawel-czerwinski-plv4_0R9-dc-unsplash.webp?resize=1050%2C600&ssl=1 3x, https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/11\/pawel-czerwinski-plv4_0R9-dc-unsplash.webp?resize=1400%2C800&ssl=1 4x"},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/kohenavocats.com\/en\/wp-json\/wp\/v2\/posts\/758113","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kohenavocats.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kohenavocats.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kohenavocats.com\/en\/wp-json\/wp\/v2\/users\/232070755"}],"replies":[{"embeddable":true,"href":"https:\/\/kohenavocats.com\/en\/wp-json\/wp\/v2\/comments?post=758113"}],"version-history":[{"count":0,"href":"https:\/\/kohenavocats.com\/en\/wp-json\/wp\/v2\/posts\/758113\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kohenavocats.com\/en\/wp-json\/wp\/v2\/media\/9480"}],"wp:attachment":[{"href":"https:\/\/kohenavocats.com\/en\/wp-json\/wp\/v2\/media?parent=758113"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kohenavocats.com\/en\/wp-json\/wp\/v2\/categories?post=758113"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kohenavocats.com\/en\/wp-json\/wp\/v2\/tags?post=758113"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}