{"id":761105,"date":"2026-04-29T19:59:21","date_gmt":"2026-04-29T17:59:21","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-de-aix-en-provence-le-14-janvier-2026-n24-01150\/"},"modified":"2026-04-29T19:59:21","modified_gmt":"2026-04-29T17:59:21","slug":"cour-dappel-de-aix-en-provence-le-14-janvier-2026-n24-01150","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/en\/cour-dappel-de-aix-en-provence-le-14-janvier-2026-n24-01150\/","title":{"rendered":"Cour d&#8217;appel de Aix-en-Provence, le 14 janvier 2026, n\u00b024\/01150"},"content":{"rendered":"<div class=\"article-content\">\n<p>La cour d\u2019appel d\u2019Aix-en-Provence, dans un arr\u00eat au fond du 14 janvier 2026, infirme le jugement du tribunal judiciaire de Toulon qui avait relev\u00e9 d\u2019office la forclusion de l\u2019action en paiement. Une soci\u00e9t\u00e9 cessionnaire d\u2019une cr\u00e9ance bancaire a assign\u00e9 le titulaire du compte pour obtenir le remboursement d\u2019un d\u00e9couvert non autoris\u00e9. Le premier juge avait estim\u00e9 que le d\u00e9lai de deux ans courait \u00e0 compter du d\u00e9passement du plafond, soit le 4 juin 2021. La question de droit portait sur le point de d\u00e9part du d\u00e9lai de forclusion applicable au d\u00e9passement de d\u00e9couvert. La cour a jug\u00e9 l\u2019action recevable en fixant ce point de d\u00e9part trois mois apr\u00e8s le d\u00e9passement non r\u00e9gularis\u00e9.<\/p>\n<p>I. Le point de d\u00e9part du d\u00e9lai de forclusion diff\u00e9r\u00e9 de trois mois<\/p>\n<p>L\u2019arr\u00eat rappelle la d\u00e9finition l\u00e9gale du d\u00e9passement comme un d\u00e9couvert tacitement accept\u00e9 d\u00e9passant le solde ou l\u2019autorisation convenue. Il pr\u00e9cise ensuite que le d\u00e9lai de forclusion ne commence pas \u00e0 la date de ce d\u00e9passement. La cour \u00e9nonce que &#8220;le point de d\u00e9part du d\u00e9lai de forclusion se situe non pas \u00e0 la date du d\u00e9passement du d\u00e9couvert autoris\u00e9, mais trois mois apr\u00e8s un tel d\u00e9passement non r\u00e9gularis\u00e9&#8221;. Cette solution interpr\u00e8te l\u2019article R 312-35 combin\u00e9 \u00e0 l\u2019article L 312-93, qui impose au pr\u00eateur de proposer un autre cr\u00e9dit apr\u00e8s trois mois. Le sens de cette r\u00e8gle est de laisser un d\u00e9lai de r\u00e9gularisation au d\u00e9biteur avant de d\u00e9clencher la prescription de l\u2019action.<\/p>\n<p>La valeur de cette interpr\u00e9tation est protectrice pour le cr\u00e9ancier, car elle reporte le point de d\u00e9part du d\u00e9lai. Elle \u00e9vite une forclusion trop rapide lorsque le d\u00e9passement est encore susceptible d\u2019\u00eatre r\u00e9gularis\u00e9 dans un court laps de temps. La port\u00e9e de l\u2019arr\u00eat est donc d\u2019harmoniser le r\u00e9gime du d\u00e9couvert avec celui des autres cr\u00e9dits \u00e0 la consommation. Le juge ne se contente pas de la date du premier incident, mais attend la confirmation de l\u2019impay\u00e9 apr\u00e8s trois mois.<\/p>\n<p>II. L\u2019application au cas d\u2019esp\u00e8ce et la recevabilit\u00e9 de l\u2019action<\/p>\n<p>En l\u2019esp\u00e8ce, le d\u00e9passement du d\u00e9couvert autoris\u00e9 de 1 000 euros est intervenu le 4 juin 2021. Le d\u00e9biteur ne l\u2019a pas r\u00e9gularis\u00e9 dans les trois mois suivants, ce qui fixe le point de d\u00e9part au 4 septembre 2021. La cour constate que l\u2019assignation a \u00e9t\u00e9 d\u00e9livr\u00e9e le 31 ao\u00fbt 2023, soit moins de deux ans apr\u00e8s cette date. Par cons\u00e9quent, elle juge que &#8220;l\u2019action introduite par l\u2019assignation du 31 ao\u00fbt 2023 n\u2019est pas forclose&#8221;. Cette solution infirme le jugement qui avait appliqu\u00e9 un d\u00e9lai plus court et plus d\u00e9favorable au cessionnaire.<\/p>\n<p>La valeur de cette d\u00e9cision est de pr\u00e9ciser la computation du d\u00e9lai pour les cessions de cr\u00e9ances bancaires. Le cessionnaire, qui n\u2019\u00e9tait pas partie au contrat initial, b\u00e9n\u00e9ficie de ce report pour agir en paiement. La port\u00e9e de l\u2019arr\u00eat est de s\u00e9curiser les acquisitions de portefeuilles de cr\u00e9ances en \u00e9vitant une forclusion trop pr\u00e9coce. La cour consacre ainsi une application litt\u00e9rale et protectrice des textes du code de la consommation pour le cr\u00e9ancier professionnel.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>La cour d\u2019appel d\u2019Aix-en-Provence, dans un arr\u00eat au fond du 14 janvier 2026, infirme le jugement du tribunal judiciaire de Toulon qui avait relev\u00e9 d\u2019office l&#8230;<\/p>\n","protected":false},"author":232070755,"featured_media":9465,"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":"69693020cdc6046d476d93ee","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/69693020cdc6046d476d93ee","_kj_judilibre_id":"69693020cdc6046d476d93ee","_kj_jur":"Cour d'appel","_kj_lieu":"Cour d'appel d'Aix-en-Provence","_kj_chambre":"Chambre 1-8","_kj_rg":"24\/01150","_kj_date":"2026-01-14","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-761105","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) - 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