{"id":647553,"date":"2026-04-22T12:23:03","date_gmt":"2026-04-22T10:23:03","guid":{"rendered":"https:\/\/kohenavocats.com\/tribunal-judiciaire-de-poitiers-le-3-octobre-2025-n25-00150\/"},"modified":"2026-04-22T12:23:03","modified_gmt":"2026-04-22T10:23:03","slug":"tribunal-judiciaire-de-poitiers-le-3-octobre-2025-n25-00150","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/ru\/tribunal-judiciaire-de-poitiers-le-3-octobre-2025-n25-00150\/","title":{"rendered":"Tribunal judiciaire de Poitiers, le 3 octobre 2025, n\u00b025\/00150"},"content":{"rendered":"<div class=\"article-content\">\n<p>Le juge des contentieux de la protection, dans un jugement r\u00e9cent, a statu\u00e9 sur une action en paiement relative \u00e0 un cr\u00e9dit \u00e0 la consommation. L&#8217;\u00e9tablissement de cr\u00e9dit assignait l&#8217;emprunteur pour le recouvrement du solde d&#8217;un pr\u00eat. Le juge a examin\u00e9 la recevabilit\u00e9 de l&#8217;action puis le fond de la demande. La solution retenue d\u00e9clare l&#8217;action recevable mais prononce la d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats au profit du cr\u00e9ancier.<\/p>\n<p>La forclusion d&#8217;ordre public et son application temporelle<\/p>\n<p>Le juge rel\u00e8ve d&#8217;office la forclusion de l&#8217;action en paiement, fin de non-recevoir d&#8217;ordre public. Cette r\u00e8gle proc\u00e9durale prot\u00e8ge l&#8217;emprunteur contre des poursuites trop tardives. Le d\u00e9lai de deux ans court \u00e0 compter du premier incident de paiement non r\u00e9gularis\u00e9. &#171;Les actions en paiement \u00e0 l&#8217;occasion de la d\u00e9faillance de l&#8217;emprunteur [&#8230;] doivent \u00eatre engag\u00e9es [&#8230;] dans les deux ans de l&#8217;\u00e9v\u00e9nement qui leur a donn\u00e9 naissance \u00e0 peine de forclusion&#187; (article R 312-35 du code de la consommation). L&#8217;analyse des pi\u00e8ces d\u00e9montre que l&#8217;action fut engag\u00e9e dans ce d\u00e9lai. La recevabilit\u00e9 est donc acquise, \u00e9cartant l&#8217;extinction de l&#8217;action. Cette rigueur temporelle s\u00e9curise les relations de cr\u00e9dit tout en imposant une diligence au cr\u00e9ancier.<\/p>\n<p>La sanction des conditions de forme du contrat de cr\u00e9dit<\/p>\n<p>Le juge examine ensuite le respect des conditions de forme impos\u00e9es au contrat. La loi exige une lisibilit\u00e9 minimale pour prot\u00e9ger le consentement de l&#8217;emprunteur. &#171;Le contrat doit \u00eatre r\u00e9dig\u00e9 en caract\u00e8res dont la hauteur ne peut \u00eatre inf\u00e9rieure au corps huit&#187; (article R312-10 du code de la consommation). En l&#8217;esp\u00e8ce, le cr\u00e9ancier ne produit qu&#8217;une copie peu lisible du contrat. Il \u00e9choue \u00e0 d\u00e9montrer le respect de cette exigence l\u00e9gale fondamentale. Ce manquement entra\u00eene une sanction s\u00e9v\u00e8re au nom de la protection du consommateur. La m\u00e9connaissance d&#8217;une r\u00e8gle de forme substantielle vicie l&#8217;information d\u00e9livr\u00e9e \u00e0 l&#8217;emprunteur.<\/p>\n<p>La d\u00e9ch\u00e9ance des int\u00e9r\u00eats et son effet dissuasif<\/p>\n<p>La sanction du d\u00e9faut de lisibilit\u00e9 est la d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats contractuels. &#171;La sanction en est la d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats contractuels&#187; (article L 341-4 du code de la consommation). L&#8217;emprunteur n&#8217;est tenu qu&#8217;au remboursement du capital restant d\u00fb. Le juge calcule donc la cr\u00e9ance en d\u00e9duisant les versements d\u00e9j\u00e0 effectu\u00e9s du capital initial. Pour assurer l&#8217;effectivit\u00e9 de cette sanction, les int\u00e9r\u00eats l\u00e9gaux dus sur cette somme sont plafonn\u00e9s. Ils sont &#171;non majorables et plafonn\u00e9s \u00e0 0,5 % afin d&#8217;assurer l&#8217;effectivit\u00e9 et le caract\u00e8re dissuasif de la sanction&#187; (Motifs de la d\u00e9cision). Ce plafonnement emp\u00eache le cr\u00e9ancier de retrouver, par le biais d&#8217;int\u00e9r\u00eats l\u00e9gaux \u00e9lev\u00e9s, un avantage \u00e9quivalent aux int\u00e9r\u00eats contractuels d\u00e9chus. La sanction conserve ainsi tout son sens protecteur.<\/p>\n<p>Cette d\u00e9cision illustre l&#8217;\u00e9quilibre recherch\u00e9 par le juge entre s\u00e9curit\u00e9 juridique et protection du consommateur. Elle rappelle la nature d&#8217;ordre public du d\u00e9lai de forclusion, que les juridictions appliquent strictement. &#171;Sur la forclusion [&#8230;] les actions en paiement [&#8230;] doivent \u00eatre form\u00e9es dans les deux ans de l&#8217;\u00e9v\u00e9nement qui leur a donn\u00e9 naissance&#187; (Cour d&#8217;appel de Douai, le 27 f\u00e9vrier 2025, n\u00b023\/03094). Le contr\u00f4le des conditions de forme du contrat est tout aussi rigoureux. Le juge sanctionne s\u00e9v\u00e8rement tout manquement en privant le cr\u00e9ancier de ses int\u00e9r\u00eats. Cette jurisprudence renforce les obligations d&#8217;information et de transparence pesant sur les pr\u00eateurs. Elle garantit une protection effective de la partie faible au contrat.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Le juge des contentieux de la protection, dans un jugement r\u00e9cent, a statu\u00e9 sur une action en paiement relative \u00e0 un cr\u00e9dit \u00e0 la consommation. L&#8217;\u00e9tablissemen&#8230;<\/p>\n","protected":false},"author":232070755,"featured_media":9683,"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":"68ff300a7e08341cb497cdca","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/68ff300a7e08341cb497cdca","_kj_judilibre_id":"68ff300a7e08341cb497cdca","_kj_jur":"Tribunal judiciaire","_kj_lieu":"Tribunal judiciaire de Poitiers","_kj_chambre":"JUGE CX PROTECTION (JCP)","_kj_rg":"25\/00150","_kj_date":"2025-10-03","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-647553","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) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Tribunal judiciaire de Poitiers, le 3 octobre 2025, n\u00b025\/00150 - Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris<\/title>\n<meta name=\"description\" content=\"Le juge des contentieux de la protection, dans un jugement r\u00e9cent, a statu\u00e9 sur une action en paiement relative \u00e0 un cr\u00e9dit \u00e0 la consommation. 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Il statue sur une actio...","rel":"","context":"\u0412 &quot;Jurisprudence&quot;","block_context":{"text":"Jurisprudence","link":"https:\/\/kohenavocats.com\/category\/jurisprudence\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/08\/sara-darcaj-YzamNB_T4WQ-unsplash.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/08\/sara-darcaj-YzamNB_T4WQ-unsplash.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/08\/sara-darcaj-YzamNB_T4WQ-unsplash.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/08\/sara-darcaj-YzamNB_T4WQ-unsplash.webp?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/08\/sara-darcaj-YzamNB_T4WQ-unsplash.webp?resize=1050%2C600&ssl=1 3x, https:\/\/i0.wp.com\/kohenavocats.com\/wp-content\/uploads\/2024\/08\/sara-darcaj-YzamNB_T4WQ-unsplash.webp?resize=1400%2C800&ssl=1 4x"},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/kohenavocats.com\/ru\/wp-json\/wp\/v2\/posts\/647553","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kohenavocats.com\/ru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kohenavocats.com\/ru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kohenavocats.com\/ru\/wp-json\/wp\/v2\/users\/232070755"}],"replies":[{"embeddable":true,"href":"https:\/\/kohenavocats.com\/ru\/wp-json\/wp\/v2\/comments?post=647553"}],"version-history":[{"count":0,"href":"https:\/\/kohenavocats.com\/ru\/wp-json\/wp\/v2\/posts\/647553\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kohenavocats.com\/ru\/wp-json\/wp\/v2\/media\/9683"}],"wp:attachment":[{"href":"https:\/\/kohenavocats.com\/ru\/wp-json\/wp\/v2\/media?parent=647553"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kohenavocats.com\/ru\/wp-json\/wp\/v2\/categories?post=647553"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kohenavocats.com\/ru\/wp-json\/wp\/v2\/tags?post=647553"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}