{"id":682830,"date":"2026-04-25T18:00:27","date_gmt":"2026-04-25T16:00:27","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-de-douai-le-18-septembre-2025-n24-02046\/"},"modified":"2026-04-25T18:00:27","modified_gmt":"2026-04-25T16:00:27","slug":"cour-dappel-de-douai-le-18-septembre-2025-n24-02046","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/zh-hans\/cour-dappel-de-douai-le-18-septembre-2025-n24-02046\/","title":{"rendered":"Cour d’appel de Douai, le 18 septembre 2025, n\u00b024\/02046"},"content":{"rendered":"
\n

La Cour d’appel de Douai, le 18 septembre 2025, statue sur un pourvoi relatif \u00e0 un pr\u00eat personnel. L’emprunteuse initialement condamn\u00e9e soutient que le contrat lui est inopposable, invoquant une usurpation d’identit\u00e9 par sa s\u0153ur jumelle. La soci\u00e9t\u00e9 pr\u00eateuse se d\u00e9siste de ses demandes au vu des nouveaux \u00e9l\u00e9ments. La cour infirme le jugement de premi\u00e8re instance et d\u00e9boute l’\u00e9tablissement de cr\u00e9dit de ses demandes principales.<\/p>\n

Le formalisme strict des conclusions en appel
\nLa cour rappelle les exigences proc\u00e9durales li\u00e9es \u00e0 la formulation des pr\u00e9tentions. Elle souligne que le d\u00e9sistement doit \u00eatre express\u00e9ment formul\u00e9 dans le dispositif des conclusions. “La cour ne statue que sur les pr\u00e9tentions \u00e9nonc\u00e9es au dispositif et n’examine les moyens au soutien de ces pr\u00e9tentions que s’ils sont invoqu\u00e9s dans la discussion” (Motifs). Le d\u00e9sistement implicite ou mentionn\u00e9 seulement dans le corps des \u00e9critures est donc insuffisant pour dessaisir le juge.<\/p>\n

Cette rigueur formelle prot\u00e8ge la s\u00e9curit\u00e9 juridique et le principe du contradictoire. Elle oblige les parties \u00e0 une clart\u00e9 absolue dans leurs demandes. La solution rappelle que la r\u00e9gularit\u00e9 proc\u00e9durale conditionne l’examen du fond, conform\u00e9ment aux articles du code de proc\u00e9dice civile.<\/p>\n

L’inopposabilit\u00e9 du contrat fond\u00e9e sur un vice de consentement
\nLe fond du litige repose sur la preuve de l’absence de consentement de l’emprunteuse pr\u00e9sum\u00e9e. La cour constate ais\u00e9ment ce point au vu des \u00e9l\u00e9ments produits. “Au regard des \u00e9l\u00e9ments produits par l’appelante, il est manifeste que cette derni\u00e8re n’est pas la signataire du contrat de cr\u00e9dit litigieux” (Motifs). L’usurpation d’identit\u00e9, \u00e9tay\u00e9e par une condamnation p\u00e9nale, vicie radicalement le consentement.<\/p>\n

Ce raisonnement rejoint une jurisprudence constante sur l’inopposabilit\u00e9 des actes non sign\u00e9s. Un arr\u00eat r\u00e9cent rappelle qu’un contrat non sign\u00e9 par le d\u00e9biteur pr\u00e9sum\u00e9 ne saurait l’engager. La cour d\u00e9duit logiquement l’absence de lien contractuel, d\u00e9boutant ainsi le cr\u00e9ancier de sa demande en paiement.<\/p>\n

Le rejet des demandes indemnitaires accessoires
\nLa cour op\u00e8re une distinction entre la condamnation aux d\u00e9pens et l’allocation de frais irr\u00e9p\u00e9tibles. Elle condamne la partie succombante aux d\u00e9pens de premi\u00e8re instance et d’appel. En revanche, elle rejette la demande au titre de l’article 700 du code de proc\u00e9dure civile. Elle estime qu’il serait in\u00e9quitable de condamner la banque sur ce point.<\/p>\n

La motivation retient la bonne foi de l’\u00e9tablissement cr\u00e9diteur lors de l’introduction de l’instance. “Force est de constater que lorsqu’elle a assign\u00e9 […] la soci\u00e9t\u00e9 Floa n’avait pas connaissance des \u00e9l\u00e9ments” (Motifs). Cette appr\u00e9ciation souveraine des juges du fond vise \u00e0 pr\u00e9server l’\u00e9quit\u00e9 proc\u00e9durale. Elle \u00e9vite de sanctionner une partie qui a agi sur la base d’\u00e9l\u00e9ments apparemment r\u00e9guliers.<\/p>\n

La port\u00e9e de l’arr\u00eat est double en mati\u00e8re probatoire et proc\u00e9durale. Il confirme la primaut\u00e9 de la preuve d’identit\u00e9 et de consentement en mati\u00e8re contractuelle. Il rappelle aussi avec fermet\u00e9 les r\u00e8gles de r\u00e9daction des conclusions en appel. La rigueur formelle s’impose pour toute demande, y compris un d\u00e9sistement.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

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