{"id":761108,"date":"2026-04-29T19:59:34","date_gmt":"2026-04-29T17:59:34","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-de-aix-en-provence-le-14-janvier-2026-n25-10915\/"},"modified":"2026-04-29T19:59:34","modified_gmt":"2026-04-29T17:59:34","slug":"cour-dappel-de-aix-en-provence-le-14-janvier-2026-n25-10915","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/en\/cour-dappel-de-aix-en-provence-le-14-janvier-2026-n25-10915\/","title":{"rendered":"Cour d’appel de Aix-en-Provence, le 14 janvier 2026, n\u00b025\/10915"},"content":{"rendered":"
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La cour d’appel d’Aix-en-Provence, dans son arr\u00eat du 14 janvier 2026, statue sur une requ\u00eate en omission de statuer apr\u00e8s un pr\u00e9c\u00e9dent arr\u00eat du 11 juin 2025. Un emprunteur, gardien de la paix, avait souscrit deux pr\u00eats immobiliers pour un investissement locatif, puis assign\u00e9 la banque en paiement. Le tribunal judiciaire avait prononc\u00e9 la d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats et allou\u00e9 des dommages-int\u00e9r\u00eats \u00e0 l’emprunteur pour manquement au devoir de mise en garde. La question de droit portait sur la validit\u00e9 de la d\u00e9ch\u00e9ance des int\u00e9r\u00eats et la prescription de l’action en responsabilit\u00e9 de l’emprunteur. La cour r\u00e9forme le jugement sur la d\u00e9ch\u00e9ance, mais confirme la responsabilit\u00e9 de la banque et fixe l’indemnisation.<\/p>\n

I. L’absence de fondement l\u00e9gal pour la d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats<\/p>\n

La cour rappelle que la d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats est une sanction pr\u00e9vue par des textes sp\u00e9cifiques du code de la consommation. Elle ne peut \u00eatre prononc\u00e9e qu’en cas de violation des obligations imp\u00e9ratives li\u00e9es \u00e0 la formation du contrat, comme le stipule l’article L 312-33 ancien.
\nEn l’esp\u00e8ce, l’emprunteur n’invoque aucun manquement aux articles L 312-7, L 312-8 ou L 312-14, mais seulement un d\u00e9faut de remise de notice d’assurance. La cour pr\u00e9cise que cette obligation, pr\u00e9vue \u00e0 l’article L 312-9, “n’avait pas vocation \u00e0 s’appliquer puisqu’il avait fait le choix d’adh\u00e9rer \u00e0 une assurance externe” (Discussion, Sur la demande principale en paiement).
\nLa valeur de cette solution est de rappeler le caract\u00e8re exceptionnel de la d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats, qui ne saurait sanctionner un manquement g\u00e9n\u00e9ral au devoir de mise en garde. Sa port\u00e9e est de r\u00e9affirmer que le juge ne peut prononcer cette sanction sans un texte pr\u00e9cis, limitant ainsi son pouvoir cr\u00e9ateur.<\/p>\n

II. La recevabilit\u00e9 et le bien-fond\u00e9 de l’action en responsabilit\u00e9<\/p>\n

La cour \u00e9carte la fin de non-recevoir tir\u00e9e de la prescription en fixant le point de d\u00e9part au premier incident de paiement. Elle consid\u00e8re que la saisine du tribunal pour obtenir une suspension des \u00e9ch\u00e9ances constitue “un \u00e9v\u00e9nement caract\u00e9risant la prise de conscience du dommage” (Discussion, Sur la demande reconventionnelle, Sur la recevabilit\u00e9).
\nLe d\u00e9lai de cinq ans, expirant le 31 mai 2020, a \u00e9t\u00e9 prorog\u00e9 jusqu’au 23 ao\u00fbt 2020 par l’ordonnance du 25 mars 2020, rendant l’action du 22 juillet 2020 recevable. Sur le fond, la cour retient que l’emprunteur \u00e9tait un “emprunteur profane” et que son taux d’endettement de 46% imposait un devoir de mise en garde, que la banque n’a pas rempli.
\nLa valeur de cette d\u00e9cision r\u00e9side dans la protection de l’emprunteur non averti, en lui accordant une indemnisation pour perte de chance. Sa port\u00e9e est de pr\u00e9ciser que la prescription de l’action en responsabilit\u00e9 court \u00e0 compter de la manifestation du dommage, et non de la souscription du pr\u00eat.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

La cour d’appel d’Aix-en-Provence, dans son arr\u00eat du 14 janvier 2026, statue sur une requ\u00eate en omission de statuer apr\u00e8s un pr\u00e9c\u00e9dent arr\u00eat du 11 juin 2025….<\/p>\n","protected":false},"author":232070755,"featured_media":4879,"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":"696923b8cdc6046d476c6c8b","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/696923b8cdc6046d476c6c8b","_kj_judilibre_id":"696923b8cdc6046d476c6c8b","_kj_jur":"Cour d'appel","_kj_lieu":"Cour d'appel d'Aix-en-Provence","_kj_chambre":"Chambre 1-8","_kj_rg":"25\/10915","_kj_date":"2026-01-14","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-761108","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jurisprudence"],"yoast_head":"\nCour d'appel de Aix-en-Provence, le 14 janvier 2026, n\u00b025\/10915 - 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