{"id":682680,"date":"2026-04-25T17:49:23","date_gmt":"2026-04-25T15:49:23","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-de-douai-le-28-avril-2025-n23-00939\/"},"modified":"2026-04-25T17:49:23","modified_gmt":"2026-04-25T15:49:23","slug":"cour-dappel-de-douai-le-28-avril-2025-n23-00939","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/tr\/cour-dappel-de-douai-le-28-avril-2025-n23-00939\/","title":{"rendered":"Cour d&#8217;appel de Douai, le 28 avril 2025, n\u00b023\/00939"},"content":{"rendered":"<div class=\"article-content\">\n<p>La Cour d&#8217;appel de Douai, statuant par d\u00e9faut le 28 avril 2025, examine deux demandes en paiement formul\u00e9es par un \u00e9tablissement de cr\u00e9dit. Le premier juge avait d\u00e9chu le pr\u00eateur de son droit aux int\u00e9r\u00eats pour un premier cr\u00e9dit et rejet\u00e9 sa demande pour un second, faute de preuve de signature. La cour d&#8217;appel doit d\u00e9terminer si le pr\u00eateur a rapport\u00e9 la preuve de la remise du bordereau de r\u00e9tractation et de la validit\u00e9 d&#8217;une signature \u00e9lectronique. Elle infirme le jugement sur les deux chefs et condamne les emprunteurs au paiement des sommes dues.<\/p>\n<p>La preuve de la remise du formulaire de r\u00e9tractation<\/p>\n<p>L&#8217;obligation probatoire incombant au pr\u00eateur<\/p>\n<p>Le pr\u00eateur n&#8217;est pas tenu de conserver un exemplaire du bordereau destin\u00e9 \u00e0 l&#8217;emprunteur. La loi pr\u00e9voit que le formulaire d\u00e9tachable est joint \u00e0 l&#8217;exemplaire du contrat de cr\u00e9dit destin\u00e9 \u00e0 l&#8217;emprunteur. Il n&#8217;a donc pas \u00e0 figurer sur l&#8217;exemplaire destin\u00e9 au pr\u00eateur. La signature des emprunteurs reconnaissant la remise du bordereau ne constitue qu&#8217;un simple indice. Il lui incombe cependant de rapporter la preuve de ce qu&#8217;il a satisfait \u00e0 ses obligations contractuelles en application de l&#8217;article 1353 du code civil. Cet indice doit \u00eatre corrobor\u00e9 par un ou plusieurs \u00e9l\u00e9ments compl\u00e9mentaires, comme le rappelle la jurisprudence de la Cour de cassation.<\/p>\n<p>La corroboration suffisante de l&#8217;indice par la production contractuelle<\/p>\n<p>En l&#8217;esp\u00e8ce, le pr\u00eateur produit la liasse compl\u00e8te adress\u00e9e aux emprunteurs. Ce document comporte les exemplaires \u00e0 conserver par l&#8217;emprunteur et le coemprunteur, avec le bordereau de r\u00e9tractation conforme. Ce document produit par la banque constitue un indice suffisant \u00e0 corroborer la mention sign\u00e9e par les emprunteurs. La cour estime ainsi que la preuve de la remise du formulaire r\u00e9gulier est rapport\u00e9e. Cette solution rappelle que la charge de la preuve, bien qu&#8217;all\u00e9g\u00e9e, demeure active pour le pr\u00eateur. Elle s&#8217;aligne sur une jurisprudence exigeant des \u00e9l\u00e9ments objectifs et probants.<\/p>\n<p>La validit\u00e9 probatoire de la signature \u00e9lectronique<\/p>\n<p>Les pr\u00e9somptions attach\u00e9es \u00e0 la signature \u00e9lectronique<\/p>\n<p>Le pr\u00eateur fonde son action sur une offre portant la mention d&#8217;une signature \u00e9lectronique dat\u00e9e. La fiabilit\u00e9 du proc\u00e9d\u00e9 de signature \u00e9lectronique est pr\u00e9sum\u00e9e dans certaines conditions l\u00e9gales. L&#8217;article 1367 alin\u00e9a 2 du code civil dispose que &#8220;lorsqu&#8217;elle est \u00e9lectronique, la signature consiste en l&#8217;usage d&#8217;un proc\u00e9d\u00e9 fiable d&#8217;identification garantissant son lien avec l&#8217;acte auquel elle s&#8217;attache&#8221;. Cette fiabilit\u00e9 est pr\u00e9sum\u00e9e lorsque la signature est qualifi\u00e9e et cr\u00e9\u00e9e avec un dispositif s\u00e9curis\u00e9, selon un d\u00e9cret d&#8217;application. Le pr\u00eateur doit donc d\u00e9montrer que le proc\u00e9d\u00e9 utilis\u00e9 r\u00e9pond \u00e0 ces exigences l\u00e9gales.<\/p>\n<p>L&#8217;administration de la preuve par des attestations techniques<\/p>\n<p>Le pr\u00eateur produit un fichier de preuve d\u00e9taill\u00e9 \u00e9manant d&#8217;un prestataire de certification. Ce document retrace chronologiquement l&#8217;historique du parcours de la signature \u00e9lectronique avec la date et l&#8217;heure. Il est accompagn\u00e9 d&#8217;une attestation de conformit\u00e9 concernant l&#8217;archivage \u00e9lectronique de la transaction. Ainsi, contrairement \u00e0 ce qui a \u00e9t\u00e9 retenu par le premier juge, la soci\u00e9t\u00e9 Cofidis apporte la preuve de fiabilit\u00e9 de la signature \u00e9lectronique. La cour valide ainsi la force probante de ces documents techniques non contest\u00e9s. Cette analyse consacre la valeur des preuves d&#8217;horodatage et de tra\u00e7abilit\u00e9 fournies par des tiers de confiance.<\/p>\n<p>Cette d\u00e9cision pr\u00e9cise utilement le r\u00e9gime probatoire en mati\u00e8re de cr\u00e9dit \u00e0 la consommation. Elle rappelle que la mention de remise du bordereau de r\u00e9tractation n&#8217;est qu&#8217;un indice. Cet indice doit \u00eatre \u00e9tay\u00e9 par la production de la liasse contractuelle compl\u00e8te adress\u00e9e \u00e0 l&#8217;emprunteur. &#8220;La signature par les emprunteurs [&#8230;] constitue seulement un indice qu&#8217;il incombe \u00e0 ce dernier de corroborer par un ou plusieurs \u00e9l\u00e9ments compl\u00e9mentaires&#8221; (Motifs). La solution \u00e9vite une d\u00e9ch\u00e9ance syst\u00e9matique du pr\u00eateur d\u00e8s lors qu&#8217;il produit des \u00e9l\u00e9ments objectifs.<\/p>\n<p>Concernant la signature \u00e9lectronique, l&#8217;arr\u00eat en affirme la force probante lorsqu&#8217;elle est \u00e9tay\u00e9e. La preuve s&#8217;administre par la production du fichier de preuve et d&#8217;une attestation de conformit\u00e9. &#8220;La soci\u00e9t\u00e9 Cofidis apporte la preuve de fiabilit\u00e9 de la signature \u00e9lectronique&#8221; (Motifs). Cette approche facilite la preuve de la conclusion du contrat pour les acteurs utilisant ces technologies. Elle s\u00e9curise ainsi les pratiques de souscription d\u00e9mat\u00e9rialis\u00e9e de cr\u00e9dits, conform\u00e9ment \u00e0 l&#8217;\u00e9conomie du texte.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>La Cour d&#8217;appel de Douai, statuant par d\u00e9faut le 28 avril 2025, examine deux demandes en paiement formul\u00e9es par un \u00e9tablissement de cr\u00e9dit. Le premier juge a&#8230;<\/p>\n","protected":false},"author":232070755,"featured_media":9483,"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":"68cce97d41cce69a12ae3d58","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/68cce97d41cce69a12ae3d58","_kj_judilibre_id":"68cce97d41cce69a12ae3d58","_kj_jur":"Cour d'appel","_kj_lieu":"Cour d'appel de Douai","_kj_chambre":"CHAMBRE 8 SECTION 1","_kj_rg":"23\/00939","_kj_date":"2025-09-18","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-682680","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>Cour d&#039;appel de Douai, le 28 avril 2025, n\u00b023\/00939 - 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 d\u00e9faut le 28 avril 2025, examine deux demandes en paiement formul\u00e9es par un \u00e9tablissement de cr\u00e9dit. 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