{"id":731118,"date":"2026-04-28T13:39:42","date_gmt":"2026-04-28T11:39:42","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-de-montpellier-le-3-fevrier-2026-n25-00469\/"},"modified":"2026-04-28T13:39:42","modified_gmt":"2026-04-28T11:39:42","slug":"cour-dappel-de-montpellier-le-3-fevrier-2026-n25-00469","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/pt-pt\/cour-dappel-de-montpellier-le-3-fevrier-2026-n25-00469\/","title":{"rendered":"Cour d&#8217;appel de Montpellier, le 3 f\u00e9vrier 2026, n\u00b025\/00469"},"content":{"rendered":"<div class=\"article-content\">\n<p>La cour d\u2019appel de Montpellier, dans son arr\u00eat du 3 f\u00e9vrier 2026, a statu\u00e9 sur l\u2019appel d\u2019un emprunteur contre un jugement du tribunal de commerce de Perpignan. L\u2019affaire opposait un entrepreneur individuel \u00e0 une caisse r\u00e9gionale de cr\u00e9dit agricole au sujet de deux pr\u00eats garantis par l\u2019\u00c9tat. L\u2019appelant contestait son obligation de remboursement en invoquant un manquement de la banque \u00e0 ses devoirs de conseil et de mise en garde. La question juridique centrale portait sur l\u2019\u00e9tendue des obligations pr\u00e9contractuelles de la banque dans le cadre sp\u00e9cifique du dispositif PGE. La cour a confirm\u00e9 le jugement sur ces points et a infirm\u00e9 partiellement les condamnations indemnitaires prononc\u00e9es en premi\u00e8re instance.<\/p>\n<p>I. L\u2019absence de manquement aux obligations de conseil et de mise en garde<\/p>\n<p>La cour a \u00e9cart\u00e9 tout manquement de la banque \u00e0 son obligation de conseil en raison du contexte r\u00e9glementaire du PGE. Elle a \u00e9galement jug\u00e9 que le devoir de mise en garde n\u2019\u00e9tait pas applicable faute de risque d\u2019endettement excessif d\u00e9montr\u00e9.<\/p>\n<p>A. L\u2019inexistence d\u2019une obligation de conseil sp\u00e9cifique au contrat<\/p>\n<p>L\u2019appelant soutenait que la banque lui avait impos\u00e9 des pr\u00eats inadapt\u00e9s \u00e0 ses besoins r\u00e9els de tr\u00e9sorerie. La cour rappelle qu\u2019il incombe \u00e0 chaque partie de prouver les faits n\u00e9cessaires au succ\u00e8s de sa pr\u00e9tention. Elle constate qu\u2019aucune production ne d\u00e9montre que les pr\u00eats litigieux seraient \u00e9trangers \u00e0 la crise sanitaire. La cour affirme que \u00ab les pr\u00eats litigieux ont \u00e9t\u00e9 accord\u00e9s \u00e0 M. [K] [W] dans le cadre des mesures prises pour faire face aux cons\u00e9quences financi\u00e8res de la pand\u00e9mie du COVID-19 \u00bb (point 6). Elle ajoute que l\u2019examen du contrat r\u00e9v\u00e8le qu\u2019il ne comporte aucune clause instaurant une obligation particuli\u00e8re de conseil.<\/p>\n<p>B. L\u2019absence de risque justifiant un devoir de mise en garde<\/p>\n<p>L\u2019appelant se pr\u00e9valait de sa qualit\u00e9 d\u2019emprunteur non averti pour invoquer un manquement au devoir de mise en garde. La cour rappelle que le pr\u00eateur n\u2019est tenu \u00e0 aucun devoir de mise en garde lorsque le remboursement du pr\u00eat n\u2019exc\u00e8de pas les facult\u00e9s contributives de l\u2019emprunteur. Elle souligne que l\u2019appelant ne justifie pas de l\u2019existence d\u2019un risque d\u2019endettement excessif, car il ne verse aucun \u00e9l\u00e9ment comptable sur sa situation financi\u00e8re lors de l\u2019octroi des cr\u00e9dits. La cour rel\u00e8ve que la soci\u00e9t\u00e9 est toujours in bonis et que les op\u00e9rations de cr\u00e9dit ne pr\u00e9sentaient aucune complexit\u00e9 sp\u00e9cifique.<\/p>\n<p>II. La confirmation partielle des demandes indemnitaires et le rejet des d\u00e9lais<\/p>\n<p>La cour a infirm\u00e9 la condamnation de la banque pour des op\u00e9rations r\u00e9alis\u00e9es sans mandat et a rejet\u00e9 les demandes de d\u00e9lais de paiement. Elle a \u00e9galement d\u00e9bout\u00e9 l\u2019appelant de ses autres demandes de dommages et int\u00e9r\u00eats.<\/p>\n<p>A. L\u2019absence de pr\u00e9judice li\u00e9 aux op\u00e9rations bancaires contest\u00e9es<\/p>\n<p>L\u2019appelant reprochait \u00e0 la banque une vente de parts sociales, un pr\u00e9l\u00e8vement de rente et un rejet de billet \u00e0 ordre sans mandat. La cour constate que la vente des parts sociales a bien \u00e9t\u00e9 sollicit\u00e9e par l\u2019appelant et que le pr\u00e9l\u00e8vement de la rente a \u00e9t\u00e9 effectu\u00e9 sur son ordre. Pour le rejet du billet \u00e0 ordre, il \u00e9tait justifi\u00e9 par le solde d\u00e9biteur du compte. Concernant l\u2019affectation d\u2019un virement, si la cour reconna\u00eet un manquement de la banque, elle estime qu\u2019aucun pr\u00e9judice n\u2019en est r\u00e9sult\u00e9 pour l\u2019entreprise de l\u2019appelant. La cour pr\u00e9cise que ce dernier n\u2019all\u00e8gue l\u2019existence d\u2019aucun pr\u00e9judice en lien avec l\u2019impossibilit\u00e9 d\u2019acc\u00e9der \u00e0 ses comptes.<\/p>\n<p>B. Le rejet de la demande de d\u00e9lais de paiement<\/p>\n<p>L\u2019appelant sollicitait un report de paiement de vingt-quatre mois sur le fondement de l\u2019article 1343-5 du code civil. La cour rappelle que l\u2019octroi de ces d\u00e9lais est subordonn\u00e9 \u00e0 la preuve que le d\u00e9biteur serait malheureux et de bonne foi. Elle constate que l\u2019appelant ne verse aucun \u00e9l\u00e9ment sur sa situation financi\u00e8re et ne justifie pas de perspectives de retour \u00e0 meilleure fortune. La cour \u00e9carte donc sa demande de gr\u00e2ce en raison de l\u2019absence de capacit\u00e9 de remboursement d\u00e9montr\u00e9e.<\/p>\n<p>La port\u00e9e de cet arr\u00eat est de rappeler que le dispositif exceptionnel du PGE exon\u00e8re la banque de son obligation classique de conseil et de mise en garde. La solution affirme que l\u2019emprunteur doit prouver l\u2019inadaptation du pr\u00eat \u00e0 ses capacit\u00e9s financi\u00e8res pour engager la responsabilit\u00e9 de la banque. La valeur de cet arr\u00eat r\u00e9side dans la confirmation que le juge dispose d\u2019un pouvoir souverain pour appr\u00e9cier l\u2019octroi de d\u00e9lais de gr\u00e2ce.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>La cour d\u2019appel de Montpellier, dans son arr\u00eat du 3 f\u00e9vrier 2026, a statu\u00e9 sur l\u2019appel d\u2019un emprunteur contre un jugement du tribunal de commerce de Perpigna&#8230;<\/p>\n","protected":false},"author":232070755,"featured_media":4866,"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":"69835643cdc6046d47e19eed","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/69835643cdc6046d47e19eed","_kj_judilibre_id":"69835643cdc6046d47e19eed","_kj_jur":"Cour d'appel","_kj_lieu":"Montpellier","_kj_chambre":"Chambre commerciale","_kj_rg":"25\/00469","_kj_date":"2026-02-03","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-731118","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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