{"id":660000,"date":"2026-04-23T14:27:32","date_gmt":"2026-04-23T12:27:32","guid":{"rendered":"https:\/\/kohenavocats.com\/tribunal-judiciaire-de-beziers-le-6-juin-2025-n25-00301\/"},"modified":"2026-04-23T14:27:32","modified_gmt":"2026-04-23T12:27:32","slug":"tribunal-judiciaire-de-beziers-le-6-juin-2025-n25-00301","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/zh-hans\/tribunal-judiciaire-de-beziers-le-6-juin-2025-n25-00301\/","title":{"rendered":"Tribunal judiciaire de B\u00e9ziers, le 6 juin 2025, n\u00b025\/00301"},"content":{"rendered":"
\n

Le tribunal judiciaire, statuant en mati\u00e8re de protection, a rendu un jugement le 6 juin 2025. L’\u00e9tablissement de cr\u00e9dit demandait la r\u00e9solution d’un contrat pour d\u00e9faut de paiement et le paiement d’une somme d’argent. Les juges ont prononc\u00e9 la r\u00e9siliation du contrat mais ont rectifi\u00e9 le calcul des sommes dues. Ils ont \u00e9galement condamn\u00e9 les emprunteurs solidairement aux d\u00e9pens et \u00e0 une indemnit\u00e9 sur le fondement de l’article 700 du code de proc\u00e9dure civile.<\/p>\n

La validit\u00e9 des formalit\u00e9s pr\u00e9alables \u00e0 la r\u00e9solution<\/p>\n

La mise en demeure pr\u00e9alable constitue une condition de fond essentielle. Le tribunal rel\u00e8ve que les emprunteurs ont \u00e9t\u00e9 mis en demeure par courrier recommand\u00e9 le 13 mars 2025. La jurisprudence admet que l’absence de r\u00e9clamation d’un pli recommand\u00e9 ne vicie pas n\u00e9cessairement la notification. “Il ne peut pas plus faire grief \u00e0 la banque de l’absence de mention de la date de d\u00e9p\u00f4t de l’avis de recommand\u00e9, alors que la Poste mentionne sur ledit avis que le pli n’a pas \u00e9t\u00e9 r\u00e9clam\u00e9” (Cour d’appel de Versailles, le 7 juin 2022, n\u00b021\/03920). La validit\u00e9 de la mise en demeure est donc \u00e9tablie en l’esp\u00e8ce.<\/p>\n

La notification de la r\u00e9solution doit cependant \u00eatre prouv\u00e9e. Le tribunal constate l’absence de justification de la remise des courriers recommand\u00e9s du 23 avril 2025 notifiant la r\u00e9solution. Cette carence probatoire emp\u00eache de retenir la date initialement pr\u00e9vue par le cr\u00e9ancier. La port\u00e9e de cette exigence est stricte, car elle conditionne la date des effets de la rupture. Le juge fixe donc la r\u00e9siliation \u00e0 la date de l’introduction de l’instance, sanctionnant ainsi un d\u00e9faut de preuve formelle.<\/p>\n

La d\u00e9termination des cons\u00e9quences p\u00e9cuniaires de la r\u00e9siliation<\/p>\n

Le juge op\u00e8re un contr\u00f4le approfondi du calcul des indemnit\u00e9s dues. Le tribunal rectifie d’office le montant r\u00e9clam\u00e9 en se fondant sur le tableau d’amortissement. Il recalcule le capital restant d\u00fb et les indemnit\u00e9s conventionnelles de huit pour cent. Le juge v\u00e9rifie ainsi la coh\u00e9rence des demandes avec les pi\u00e8ces du dossier et les r\u00e8gles l\u00e9gales, notamment l’interdiction de l’anatocisme. Ce pouvoir d’office est essentiel pour assurer l’exactitude de la condamnation prononc\u00e9e.<\/p>\n

Le principe de l’ultra petita limite cependant le pouvoir du juge. Le tribunal note que la demande initiale \u00e9tait limit\u00e9e \u00e0 la somme de 24946,07 euros. Malgr\u00e9 un recalcul aboutissant \u00e0 un montant sup\u00e9rieur, le juge se cantonne \u00e0 condamner \u00e0 la somme demand\u00e9e. Cette solution respecte le cadre de l’instance et les droits de la d\u00e9fense. Elle illustre l’\u00e9quilibre entre le contr\u00f4le des calculs et le respect de la demande formul\u00e9e par la partie.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Le tribunal judiciaire, statuant en mati\u00e8re de protection, a rendu un jugement le 6 juin 2025. L’\u00e9tablissement de cr\u00e9dit demandait la r\u00e9solution d’un contrat…<\/p>\n","protected":false},"author":232070755,"featured_media":4674,"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":"68f92d46de0ebe408daa0ed3","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/68f92d46de0ebe408daa0ed3","_kj_judilibre_id":"68f92d46de0ebe408daa0ed3","_kj_jur":"Tribunal judiciaire","_kj_lieu":"Tribunal judiciaire de B\u00e9ziers","_kj_chambre":"JCP - Ctx Gal inf 10 000\u20ac","_kj_rg":"25\/00301","_kj_date":"2025-09-26","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-660000","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jurisprudence"],"yoast_head":"\nTribunal judiciaire de B\u00e9ziers, le 6 juin 2025, n\u00b025\/00301 - Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris<\/title>\n<meta name=\"description\" content=\"Le tribunal judiciaire, statuant en mati\u00e8re de protection, a rendu un jugement le 6 juin 2025. 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