{"id":608719,"date":"2026-04-19T17:58:45","date_gmt":"2026-04-19T15:58:45","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-de-paris-le-9-juillet-2024-n24-18020\/"},"modified":"2026-04-19T17:58:45","modified_gmt":"2026-04-19T15:58:45","slug":"cour-dappel-de-paris-le-9-juillet-2024-n24-18020","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/ru\/cour-dappel-de-paris-le-9-juillet-2024-n24-18020\/","title":{"rendered":"Cour d’appel de Paris, le 9 juillet 2024, n\u00b024\/18020"},"content":{"rendered":"
\n

La cour d\u2019appel de Paris, statuant par d\u00e9faut le 9 juillet 2024, a examin\u00e9 une action en paiement fond\u00e9e sur un contrat de cr\u00e9dit. Le pr\u00eateur invoquait une offre sign\u00e9e \u00e9lectroniquement. La juridiction a confirm\u00e9 le jugement de premi\u00e8re instance d\u00e9boutant le demandeur. Elle a ainsi pr\u00e9cis\u00e9 les conditions de preuve de l\u2019existence d\u2019un contrat \u00e9lectronique.<\/p>\n

La preuve de l\u2019acte juridique \u00e9lectronique et ses exigences probatoires<\/p>\n

L\u2019\u00e9crit \u00e9lectronique b\u00e9n\u00e9ficie de la m\u00eame force probante que l\u2019\u00e9crit papier sous conditions. Le code civil exige que puisse \u00eatre d\u00fbment identifi\u00e9e la personne dont il \u00e9mane. Il impose aussi qu\u2019il soit \u00e9tabli et conserv\u00e9 dans des conditions garantissant son int\u00e9grit\u00e9. «L’\u00e9crit \u00e9lectronique a la m\u00eame force probante que l’\u00e9crit sur support papier, sous r\u00e9serve que puisse \u00eatre d\u00fbment identifi\u00e9e la personne dont il \u00e9mane et qu’il soit \u00e9tabli et conserv\u00e9 dans des conditions de nature \u00e0 en garantir l’\u00e9tat l’int\u00e9grit\u00e9» (article 1366 du code civil). La valeur de ce texte est d\u2019assimiler les deux supports tout en posant un cadre s\u00e9curis\u00e9. Sa port\u00e9e est d\u2019exiger une tra\u00e7abilit\u00e9 et une fiabilit\u00e9 techniques minimales pour la preuve.<\/p>\n

La signature \u00e9lectronique doit r\u00e9sulter d\u2019un proc\u00e9d\u00e9 fiable d\u2019identification garantissant son lien avec l\u2019acte. Une pr\u00e9somption de fiabilit\u00e9 est pr\u00e9vue par la loi pour les signatures qualifi\u00e9es. «Lorsqu’elle est \u00e9lectronique, la signature consiste en l’usage d’un proc\u00e9d\u00e9 fiable d’identification garantissant son lien avec l’acte auquel elle s’attache» (article 1367 alin\u00e9a 2 du code civil). Le sens est d\u2019exiger une s\u00e9curit\u00e9 \u00e9quivalente \u00e0 la signature manuscrite. La valeur r\u00e9side dans la cr\u00e9ation d\u2019une pr\u00e9somption facilitant la preuve. La port\u00e9e conditionne cette pr\u00e9somption au respect de standards techniques \u00e9lev\u00e9s.<\/p>\n

L\u2019insuffisance des \u00e9l\u00e9ments produits pour \u00e9tablir la preuve du contrat<\/p>\n

Les documents pr\u00e9sent\u00e9s par l\u2019\u00e9tablissement financier ne permettent pas d\u2019\u00e9tablir un proc\u00e9d\u00e9 fiable. Les captures d\u2019\u00e9cran ne renseignent pas sur les proc\u00e9d\u00e9s utilis\u00e9s pour garantir l\u2019identit\u00e9 du signataire. Les autres pi\u00e8ces techniques sont d\u00e9crites comme illisibles ou sans lien identifiable avec l\u2019offre. «Ces \u00e9l\u00e9ments ne permettent pas \u00e9tablir la preuve du recours \u00e0 un proc\u00e9d\u00e9 fiable de recueil de signatures \u00e9lectroniques permettant de garantir l’int\u00e9grit\u00e9 de l’acte et l’identit\u00e9 du signataire» (Motifs, sur la preuve). Le sens de cette analyse est un contr\u00f4le strict de la mat\u00e9rialit\u00e9 de la preuve. Sa valeur est d\u2019imposer une d\u00e9monstration concr\u00e8te et intelligible des processus. La port\u00e9e est un rejet des \u00e9l\u00e9ments opaques ou purement d\u00e9claratifs.<\/p>\n

L\u2019absence de preuve de la signature entra\u00eene l\u2019inexistence de consentement opposable. Aucune disposition contractuelle, notamment le taux d\u2019int\u00e9r\u00eat, ne peut \u00eatre invoqu\u00e9e. La demande en ex\u00e9cution du contrat est donc rejet\u00e9e. «La preuve de la signature du contrat, laquelle implique l’acceptation par l’emprunteur des dispositions contractuelles dont le taux d’int\u00e9r\u00eat, n’est donc pas \u00e9tablie» (Motifs, sur la preuve). Le sens est de lier indissociablement signature et acceptation des conditions. La valeur est de prot\u00e9ger le consentement comme fondement essentiel du contrat. La port\u00e9e est un strict partage de la charge de la preuve sur le cr\u00e9ancier.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

La cour d\u2019appel de Paris, statuant par d\u00e9faut le 9 juillet 2024, a examin\u00e9 une action en paiement fond\u00e9e sur un contrat de cr\u00e9dit. Le pr\u00eateur invoquait une o…<\/p>\n","protected":false},"author":232070755,"featured_media":4914,"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":"6932b08872f940f4b6c9c7ff","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/6932b08872f940f4b6c9c7ff","_kj_judilibre_id":"6932b08872f940f4b6c9c7ff","_kj_jur":"Cour d'appel","_kj_lieu":"Cour d'appel de Paris","_kj_chambre":"P\u00f4le 4 - Chambre 9 - A","_kj_rg":"24\/18020","_kj_date":"2025-12-04","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-608719","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jurisprudence"],"yoast_head":"\nCour d'appel de Paris, le 9 juillet 2024, n\u00b024\/18020 - Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris<\/title>\n<meta name=\"description\" content=\"La cour d\u2019appel de Paris, statuant par d\u00e9faut le 9 juillet 2024, a examin\u00e9 une action en paiement fond\u00e9e sur un contrat de cr\u00e9dit. 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