{"id":664612,"date":"2026-04-23T22:56:10","date_gmt":"2026-04-23T20:56:10","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-de-douai-le-5-fevrier-2025-n24-11019\/"},"modified":"2026-04-23T22:56:10","modified_gmt":"2026-04-23T20:56:10","slug":"cour-dappel-de-douai-le-5-fevrier-2025-n24-11019","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/tr\/cour-dappel-de-douai-le-5-fevrier-2025-n24-11019\/","title":{"rendered":"Cour d&#8217;appel de Douai, le 5 f\u00e9vrier 2025, n\u00b024\/11019"},"content":{"rendered":"<div class=\"article-content\">\n<p>La cour d&#8217;appel de Douai, statuant par arr\u00eat par d\u00e9faut le 5 f\u00e9vrier 2025, se prononce sur un litige opposant un \u00e9tablissement de cr\u00e9dit \u00e0 des emprunteurs d\u00e9faillants. L&#8217;instance fait suite \u00e0 un jugement ayant d\u00e9clar\u00e9 l&#8217;action en paiement irrecevable pour forclusion. Les juges du fond doivent d\u00e9terminer la date du premier incident de paiement non r\u00e9gularis\u00e9 et statuer sur les cons\u00e9quences de la d\u00e9faillance, notamment quant aux int\u00e9r\u00eats. La cour infirme partiellement le premier jugement et prononce la d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats conventionnels pour manquement \u00e0 l&#8217;obligation d&#8217;information pr\u00e9contractuelle.<\/p>\n<p>La d\u00e9termination du point de d\u00e9part du d\u00e9lai de forclusion<\/p>\n<p>L&#8217;exigence d&#8217;une imputation pr\u00e9cise des paiements irr\u00e9guliers<\/p>\n<p>Le droit des contrats de consommation impose un d\u00e9lai de forclusion de deux ans pour les actions en paiement. Ce d\u00e9lai court \u00e0 compter du premier incident de paiement non r\u00e9gularis\u00e9. La cour rappelle que l&#8217;identification de cet \u00e9v\u00e9nement n\u00e9cessite une analyse minutieuse des historiques de compte. Elle proc\u00e8de \u00e0 un examen d\u00e9taill\u00e9 des \u00e9ch\u00e9ances, constatant des paiements partiels et irr\u00e9guliers \u00e9tal\u00e9s sur plusieurs mois. Cette m\u00e9thode permet d&#8217;isoler la premi\u00e8re \u00e9ch\u00e9ance d\u00e9finitivement impay\u00e9e, fix\u00e9e en l&#8217;esp\u00e8ce \u00e0 janvier 2022. L&#8217;assignation \u00e9tant intervenue en octobre et novembre 2023, l&#8217;action est jug\u00e9e recevable. Cette approche confirme une jurisprudence constante sur l&#8217;imputation des paiements en mati\u00e8re de cr\u00e9dit.<\/p>\n<p>La port\u00e9e de cette solution renforce la s\u00e9curit\u00e9 juridique pour le cr\u00e9ancier. Elle clarifie le point de d\u00e9part du d\u00e9lai dans les situations complexes de d\u00e9fauts partiels. La cour applique implicitement les principes g\u00e9n\u00e9raux du droit civil sur l&#8217;imputation des paiements. Cette rigueur dans l&#8217;examen des flux financiers est essentielle pour prot\u00e9ger les droits du pr\u00eateur. Elle \u00e9vite une d\u00e9claration d&#8217;irrecevabilit\u00e9 fond\u00e9e sur une appr\u00e9ciation erron\u00e9e des faits. La solution garantit ainsi une application juste et pr\u00e9visible de la r\u00e8gle de forclusion.<\/p>\n<p>Les sanctions d\u00e9coulant du manquement aux obligations d&#8217;information<\/p>\n<p>La d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats conventionnels<\/p>\n<p>Le pr\u00eateur encourt une sanction s\u00e9v\u00e8re pour n&#8217;avoir pas rapport\u00e9 la preuve de la remise de la fiche d&#8217;information pr\u00e9contractuelle. La cour rel\u00e8ve que la seule mention au contrat est insuffisante. &#8220;Or cette clause n&#8217;est qu&#8217;un indice qu&#8217;il incombe au pr\u00eateur de corroborer par un ou plusieurs \u00e9l\u00e9ments compl\u00e9mentaires ce qu&#8217;il ne fait pas.&#8221; (Motifs) La d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats conventionnels est donc prononc\u00e9e. L&#8217;emprunteur n&#8217;est plus tenu qu&#8217;au remboursement du capital restant d\u00fb, suivant l&#8217;\u00e9ch\u00e9ancier initial. Les int\u00e9r\u00eats d\u00e9j\u00e0 per\u00e7us doivent \u00eatre restitu\u00e9s ou imput\u00e9s. Cette sanction automatique souligne le caract\u00e8re imp\u00e9ratif de l&#8217;obligation d&#8217;information.<\/p>\n<p>La limitation des int\u00e9r\u00eats au taux l\u00e9gal simple<\/p>\n<p>Toutefois, la cour limite la port\u00e9e de cette sanction en refusant la majoration des int\u00e9r\u00eats l\u00e9gaux. Elle invoque la n\u00e9cessit\u00e9 de pr\u00e9server l&#8217;effet dissuasif de la d\u00e9ch\u00e9ance. L&#8217;application de l&#8217;article L. 313-3 du code mon\u00e9taire et financier serait contraire \u00e0 cet objectif. Elle aboutirait \u00e0 compenser la perte des int\u00e9r\u00eats conventionnels pour le pr\u00eateur. La cour \u00e9carte donc la majoration de cinq points au taux l\u00e9gal apr\u00e8s deux mois. Seuls les int\u00e9r\u00eats l\u00e9gaux simples sont accord\u00e9s sur le capital restant d\u00fb. Cette modulation de la sanction assure une proportionnalit\u00e9 entre la faute et ses cons\u00e9quences financi\u00e8res.<\/p>\n<p>La port\u00e9e de cet arr\u00eat est significative en droit de la consommation. Il r\u00e9affirme avec fermet\u00e9 l&#8217;obligation probatoire pesant sur le pr\u00eateur concernant l&#8217;information pr\u00e9contractuelle. La sanction de d\u00e9ch\u00e9ance des int\u00e9r\u00eats demeure automatique en cas de preuve insuffisante. Cependant, le refus de majorer les int\u00e9r\u00eats l\u00e9gaux temp\u00e8re la rigueur de ce r\u00e9gime. Il \u00e9vite une compensation indirecte qui viderait la sanction de sa substance. L&#8217;arr\u00eat op\u00e8re ainsi un \u00e9quilibre subtil entre la protection de l&#8217;emprunteur et les droits du cr\u00e9ancier. Il rappelle enfin l&#8217;importance d&#8217;une analyse pr\u00e9cise des historiques de paiement pour d\u00e9terminer les d\u00e9lais de forclusion.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>La cour d&#8217;appel de Douai, statuant par arr\u00eat par d\u00e9faut le 5 f\u00e9vrier 2025, se prononce sur un litige opposant un \u00e9tablissement de cr\u00e9dit \u00e0 des emprunteurs d\u00e9&#8230;<\/p>\n","protected":false},"author":232070755,"featured_media":4711,"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":"68d621a4fd95ebd9ab3855e0","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/68d621a4fd95ebd9ab3855e0","_kj_judilibre_id":"68d621a4fd95ebd9ab3855e0","_kj_jur":"Cour d'appel","_kj_lieu":"Cour d'appel de Paris","_kj_chambre":"P\u00f4le 4 - Chambre 9 - A","_kj_rg":"24\/11019","_kj_date":"2025-09-25","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-664612","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 v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Cour d&#039;appel de Douai, le 5 f\u00e9vrier 2025, n\u00b024\/11019 - Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris<\/title>\n<meta name=\"description\" content=\"La cour d&#039;appel de Douai, statuant par arr\u00eat par d\u00e9faut le 5 f\u00e9vrier 2025, se prononce sur un litige opposant un \u00e9tablissement de cr\u00e9dit \u00e0 des emprunteurs d\u00e9...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kohenavocats.com\/tr\/cour-dappel-de-douai-le-5-fevrier-2025-n24-11019\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cour d&#039;appel de Douai, le 5 f\u00e9vrier 2025, n\u00b024\/11019\" \/>\n<meta property=\"og:description\" content=\"La cour d&#039;appel de Douai, statuant par arr\u00eat par d\u00e9faut le 5 f\u00e9vrier 2025, se prononce sur un litige opposant un \u00e9tablissement de cr\u00e9dit \u00e0 des emprunteurs d\u00e9...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kohenavocats.com\/tr\/cour-dappel-de-douai-le-5-fevrier-2025-n24-11019\/\" \/>\n<meta property=\"og:site_name\" content=\"Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-23T20:56:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kohenavocats.com\/wp-content\/uploads\/2024\/08\/sofia-vila-flor-iX4r2YviN8E-unsplash.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"4057\" \/>\n\t<meta property=\"og:image:height\" content=\"3135\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Kohen\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Yazan:\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kohen\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tahmini okuma s\u00fcresi\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 dakika\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/kohenavocats.com\\\/tr\\\/cour-dappel-de-douai-le-5-fevrier-2025-n24-11019\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/kohenavocats.com\\\/tr\\\/cour-dappel-de-douai-le-5-fevrier-2025-n24-11019\\\/\"},\"author\":{\"name\":\"Kohen\",\"@id\":\"https:\\\/\\\/kohenavocats.com\\\/tr\\\/#\\\/schema\\\/person\\\/761c9ba54fa1ca84d405cef0831ff751\"},\"headline\":\"Cour d&#8217;appel de Douai, le 5 f\u00e9vrier 2025, n\u00b024\\\/11019\",\"datePublished\":\"2026-04-23T20:56:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/kohenavocats.com\\\/tr\\\/cour-dappel-de-douai-le-5-fevrier-2025-n24-11019\\\/\"},\"wordCount\":772,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/kohenavocats.com\\\/tr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/kohenavocats.com\\\/tr\\\/cour-dappel-de-douai-le-5-fevrier-2025-n24-11019\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/kohenavocats.com\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/sofia-vila-flor-iX4r2YviN8E-unsplash.webp\",\"articleSection\":[\"Jurisprudence\"],\"inLanguage\":\"tr\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/kohenavocats.com\\\/tr\\\/cour-dappel-de-douai-le-5-fevrier-2025-n24-11019\\\/#respond\"]}],\"citation\":\"Cour d&#8217;appel de Douai, le 5 f\u00e9vrier 2025, n\u00b024\\\/11019\",\"about\":[{\"@type\":\"Thing\",\"name\":\"Jurisprudence\"}],\"dateModified\":\"2026-04-23T20:56:10+00:00\",\"speakable\":{\"@type\":\"SpeakableSpecification\",\"cssSelector\":[\".article-content > p:first-of-type\"]}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/kohenavocats.com\\\/tr\\\/cour-dappel-de-douai-le-5-fevrier-2025-n24-11019\\\/\",\"url\":\"https:\\\/\\\/kohenavocats.com\\\/tr\\\/cour-dappel-de-douai-le-5-fevrier-2025-n24-11019\\\/\",\"name\":\"Cour d'appel de Douai, le 5 f\u00e9vrier 2025, n\u00b024\\\/11019 - 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