{"id":667919,"date":"2026-04-24T04:02:30","date_gmt":"2026-04-24T02:02:30","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-de-grenoble-le-23-septembre-2025-n24-00928\/"},"modified":"2026-04-26T18:53:54","modified_gmt":"2026-04-26T16:53:54","slug":"cour-dappel-de-grenoble-le-23-septembre-2025-n24-00928","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/zh-hans\/cour-dappel-de-grenoble-le-23-septembre-2025-n24-00928\/","title":{"rendered":"Cour d’appel de Grenoble, le 23 septembre 2025, n\u00b024\/00928"},"content":{"rendered":"
\n

La Cour d’appel de Grenoble, chambre civile section A, le 23 septembre 2025, statue sur l’appel d’un \u00e9tablissement financier. L’affaire concerne l’annulation d’un contrat de vente de panneaux photovolta\u00efques et du cr\u00e9dit affect\u00e9 consenti pour son financement. La juridiction d’appel confirme le jugement de premi\u00e8re instance qui avait prononc\u00e9 ces nullit\u00e9s. Elle pr\u00e9cise les cons\u00e9quences de ces annulations et rejette les demandes indemnitaires des diff\u00e9rentes parties.<\/p>\n

L’effet automatique de l’interd\u00e9pendance des contrats<\/p>\n

Le principe de l’annulation de plein droit du cr\u00e9dit affect\u00e9. La cour rappelle le m\u00e9canisme l\u00e9gal de l’interd\u00e9pendance entre un contrat principal et un cr\u00e9dit le finan\u00e7ant. Elle constate que “les contrats de vente et de cr\u00e9dit \u00e9tant interd\u00e9pendants et le pr\u00eateur \u00e9tant \u00e0 la proc\u00e9dure, l’annulation du contrat principal entra\u00eene l’annulation du contrat de pr\u00eat subs\u00e9quent” (Motifs). Cette solution applique strictement les dispositions imp\u00e9ratives du code de la consommation. Elle rejoint la jurisprudence constante qui affirme le caract\u00e8re automatique de cet effet. “Le contrat de vente \u00e9tant annul\u00e9, le contrat de cr\u00e9dit affect\u00e9 l’est \u00e9galement de plein droit avec toutes cons\u00e9quences de droit” (Cour d’appel de N\u00eemes, le 24 avril 2025, n\u00b023\/03601). La port\u00e9e est protectrice pour l’emprunteur consommateur.<\/p>\n

La confirmation des cons\u00e9quences patrimoniales de la nullit\u00e9. L’annulation conjointe des contrats entra\u00eene des restitutions r\u00e9ciproques. La cour ordonne ainsi la restitution du mat\u00e9riel par les acqu\u00e9reurs et la remise en \u00e9tat de leur toiture par le liquidateur du vendeur. Concernant le cr\u00e9dit, elle confirme l’obligation pour le pr\u00eateur de rembourser les sommes d\u00e9j\u00e0 vers\u00e9es par les emprunteurs. Cette solution assure une remise compl\u00e8te des parties dans l’\u00e9tat ant\u00e9rieur. Elle garantit l’effectivit\u00e9 de la protection du consommateur en le lib\u00e9rant de toute obligation financi\u00e8re. La valeur de cette d\u00e9cision r\u00e9side dans son ex\u00e9cution concr\u00e8te et int\u00e9grale des effets de la nullit\u00e9.<\/p>\n

La sanction des manquements du pr\u00eateur lors du d\u00e9blocage des fonds<\/p>\n

La caract\u00e9risation de fautes successives dans le contr\u00f4le de l’op\u00e9ration. La cour examine le comportement du pr\u00eateur et rel\u00e8ve plusieurs manquements. Elle estime d’abord que le d\u00e9blocage des fonds est intervenu trop rapidement. “Les fonds ont \u00e9t\u00e9 d\u00e9bloqu\u00e9s suite \u00e0 une demande de financement du 25 juin 2018, cette derni\u00e8re intervenue seulement cinq semaines apr\u00e8s la conclusion du contrat, dur\u00e9e insuffisante pour l’ex\u00e9cution des formalit\u00e9s administratives et de mise en service de l’installation” (Motifs). Elle reproche ensuite \u00e0 l’\u00e9tablissement de cr\u00e9dit son absence de v\u00e9rifications. La banque aurait d\u00fb constater “la m\u00e9connaissance des dispositions du code de la consommation sur la vente hors \u00e9tablissement” (Motifs). Le sens est d’imposer au pr\u00eateur un devoir de vigilance actif.<\/p>\n

Le lien de causalit\u00e9 entre les fautes et le pr\u00e9judice de l’emprunteur. La privation du droit \u00e0 restitution du capital par le pr\u00eateur est subordonn\u00e9e \u00e0 la d\u00e9monstration d’un pr\u00e9judice. La cour retient que “l’impossibilit\u00e9 de restitution du prix de vente du fait du prononc\u00e9 de la liquidation judiciaire<\/a> de la soci\u00e9t\u00e9 Prestige Eco Habitat prive M. et Mme [U], emprunteurs, de la contrepartie de la restitution du bien vendu, ce qui constitue un pr\u00e9judice en lien de causalit\u00e9 avec les fautes susvis\u00e9es de la banque” (Motifs). Ainsi, le pr\u00e9judice r\u00e9side dans la perte financi\u00e8re caus\u00e9e par l’insolvabilit\u00e9 du vendeur. La port\u00e9e est majeure car elle conditionne la sanction du pr\u00eateur \u00e0 un pr\u00e9judice effectif. La valeur de l’arr\u00eat est de pr\u00e9ciser les conditions de la d\u00e9ch\u00e9ance du pr\u00eateur.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

La Cour d’appel de Grenoble, chambre civile section A, le 23 septembre 2025, statue sur l’appel d’un \u00e9tablissement financier. L’affaire concerne l’annulation…<\/p>\n","protected":false},"author":232070755,"featured_media":4874,"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":"68d62520f345149cf84d2b17","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/68d62520f345149cf84d2b17","_kj_judilibre_id":"68d62520f345149cf84d2b17","_kj_jur":"Cour d'appel","_kj_lieu":"Cour d'appel de Grenoble","_kj_chambre":"Chambre civile section A","_kj_rg":"24\/00928","_kj_date":"2025-09-23","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7096,35581,7597],"tags":[],"class_list":["post-667919","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-code-des-assurances","category-droit-des-affaires","category-jurisprudence"],"yoast_head":"\nCour d'appel de Grenoble, le 23 septembre 2025, n\u00b024\/00928 - Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris<\/title>\n<meta name=\"description\" content=\"La Cour d'appel de Grenoble, chambre civile section A, le 23 septembre 2025, statue sur l'appel d'un \u00e9tablissement financier. 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