{"id":683887,"date":"2026-04-25T19:08:12","date_gmt":"2026-04-25T17:08:12","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-de-grenoble-le-19-juin-2017-n24-00806\/"},"modified":"2026-04-25T19:08:12","modified_gmt":"2026-04-25T17:08:12","slug":"cour-dappel-de-grenoble-le-19-juin-2017-n24-00806","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/zh-hans\/cour-dappel-de-grenoble-le-19-juin-2017-n24-00806\/","title":{"rendered":"Cour d’appel de Grenoble, le 19 juin 2017, n\u00b024\/00806"},"content":{"rendered":"
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La Cour d’appel de Grenoble, 17 juin 2025, se prononce sur une action en annulation d\u2019une vente hors \u00e9tablissement d\u2019un \u00e9quipement photovolta\u00efque et du cr\u00e9dit affect\u00e9, assortie d\u2019une demande en responsabilit\u00e9 du pr\u00eateur. La vente est intervenue le 19 juin 2017, le cr\u00e9dit le 21 juin 2017, et l\u2019assignation a \u00e9t\u00e9 d\u00e9livr\u00e9e en avril 2023, apr\u00e8s plusieurs ann\u00e9es d\u2019ex\u00e9cution contractuelle.<\/p>\n

Par jugement du tribunal judiciaire de Valence du 6 d\u00e9cembre 2023, l\u2019action a \u00e9t\u00e9 d\u00e9clar\u00e9e irrecevable comme prescrite, les autres demandes ayant \u00e9t\u00e9 rejet\u00e9es. Les acqu\u00e9reurs ont relev\u00e9 appel le 18 f\u00e9vrier 2024, en soutenant un dol li\u00e9 \u00e0 une promesse de rentabilit\u00e9, la nullit\u00e9 du bon en raison d\u2019irr\u00e9gularit\u00e9s formelles, ainsi que des fautes du pr\u00eateur. L\u2019\u00e9tablissement de cr\u00e9dit a conclu \u00e0 la confirmation, en sollicitant des dommages-int\u00e9r\u00eats pour proc\u00e9dure abusive.<\/p>\n

Le litige se concentre sur la d\u00e9termination du point de d\u00e9part de la prescription quinquennale pour chacun des fondements invoqu\u00e9s. La juridiction \u00e9nonce d\u2019abord que \u00ab Les parties s’accordent sur l’application de la prescription quinquennale de l’article 2224 du code civil mais sont en d\u00e9saccord sur le point de d\u00e9part de ce d\u00e9lai de prescription. \u00bb Elle distingue selon les chefs. S\u2019agissant de la nullit\u00e9 formelle, elle retient que \u00ab Concernant la nullit\u00e9 du bon de commande pour non conformit\u00e9 aux dispositions du code de la consommation, le d\u00e9lai de prescription court \u00e0 compter de la signature du contrat de vente critiqu\u00e9, soit au 19 juin 2017, \u00e9tant observ\u00e9 que l’installation fonctionne parfaitement depuis 8 ann\u00e9es. \u00bb Pour le dol, elle affirme que \u00ab Par application des articles 2224 et 1116 ancien du code civil, le point de d\u00e9part du d\u00e9lai quinquennal de prescription concernant le dol court \u00e0 compter de la connaissance du d\u00e9faut de rentabilit\u00e9 all\u00e9gu\u00e9. \u00bb Enfin, au titre de la responsabilit\u00e9 du pr\u00eateur, elle d\u00e9cide que \u00ab Sur la responsabilit\u00e9 du pr\u00eateur, le d\u00e9lai de prescription court \u00e0 compter du d\u00e9blocage des fonds le 2 septembre 2017. \u00bb La tardivet\u00e9 est retenue dans toutes ses hypoth\u00e8ses, la confirmation s\u2019imposant, ainsi qu\u2019en atteste la formule, \u00ab Par voie de cons\u00e9quence, le jugement d\u00e9f\u00e9r\u00e9 sera confirm\u00e9 en toutes ses dispositions. \u00bb<\/p>\n

I. La d\u00e9termination des points de d\u00e9part de la prescription<\/p>\n

A. Nullit\u00e9 de consommation et signature comme dies a quo<\/p>\n

La solution proc\u00e8de d\u2019une lecture exigeante mais constante du r\u00e9gime de la prescription en mati\u00e8re de nullit\u00e9s formelles. En retenant que \u00ab Concernant la nullit\u00e9 du bon de commande pour non conformit\u00e9 aux dispositions du code de la consommation, le d\u00e9lai de prescription court \u00e0 compter de la signature du contrat de vente critiqu\u00e9, soit au 19 juin 2017, \u00e9tant observ\u00e9 que l’installation fonctionne parfaitement depuis 8 ann\u00e9es \u00bb, la juridiction rattache la connaissance des faits \u00e0 l\u2019instant o\u00f9 les irr\u00e9gularit\u00e9s sont, par nature, accessibles au consommateur.<\/p>\n

Ce choix s\u2019accorde avec l\u2019\u00e9conomie des textes qui imposent la reproduction lisible de mentions obligatoires et circonscrivent l\u2019office du juge \u00e0 des manquements objectivables d\u00e8s la lecture du bon. L\u2019argument tir\u00e9 du recul n\u00e9cessaire pour appr\u00e9cier une rentabilit\u00e9 n\u2019influe pas sur ce chef, centr\u00e9 sur la forme et l\u2019information. L\u2019\u00e9tat de fonctionnement de l\u2019installation demeure indiff\u00e9rent \u00e0 la d\u00e9termination du dies a quo de la nullit\u00e9 de consommation.<\/p>\n

B. Dol et r\u00e9v\u00e9lation du d\u00e9faut de rentabilit\u00e9<\/p>\n

La cour articule explicitement la r\u00e8gle de l\u2019article 2224 avec le droit commun du dol, en \u00e9non\u00e7ant que \u00ab Par application des articles 2224 et 1116 ancien du code civil, le point de d\u00e9part du d\u00e9lai quinquennal de prescription concernant le dol court \u00e0 compter de la connaissance du d\u00e9faut de rentabilit\u00e9 all\u00e9gu\u00e9. \u00bb Elle d\u00e9duit, au cas d\u2019esp\u00e8ce, que cette connaissance intervient d\u00e8s la premi\u00e8re facture annuelle de r\u00e9gularisation, sans qu\u2019une expertise pr\u00e9alable soit requise pour appr\u00e9cier l\u2019\u00e9cart entre flux attendus et charges du cr\u00e9dit.<\/p>\n

Le raisonnement privil\u00e9gie un crit\u00e8re de r\u00e9v\u00e9lation factuelle, lisible et suffisamment objectif, qui ancre la connaissance dans un document p\u00e9riodique, ais\u00e9ment datable et contradictoire. Cette solution \u00e9vite des reports incertains du d\u00e9lai et neutralise des d\u00e9bats trop sp\u00e9culatifs sur la dur\u00e9e d\u2019observation n\u00e9cessaire \u00e0 la rentabilit\u00e9 d\u2019un dispositif d\u2019autoconsommation.<\/p>\n

S\u2019agissant de la responsabilit\u00e9 du pr\u00eateur, la cour fixe un ancrage temporel pr\u00e9cis en affirmant que \u00ab Sur la responsabilit\u00e9 du pr\u00eateur, le d\u00e9lai de prescription court \u00e0 compter du d\u00e9blocage des fonds le 2 septembre 2017. \u00bb Le dommage imput\u00e9 au financement, s\u2019il existe, na\u00eet \u00e0 l\u2019instant du concours, ce qui rattache utilement le dies a quo \u00e0 un fait g\u00e9n\u00e9rateur unique et document\u00e9. L\u2019ensemble de ces rep\u00e8res convergents conduit \u00e0 constater la forclusion par d\u00e9passement du quinquennat.<\/p>\n

II. Appr\u00e9ciation et port\u00e9e du raisonnement<\/p>\n

A. Coh\u00e9rence normative et s\u00e9curit\u00e9 juridique<\/p>\n

La d\u00e9marche combine clart\u00e9 dogmatique et pr\u00e9visibilit\u00e9 pratique. La chambre civile rappelle le cadre commun \u2013 \u00ab Les parties s’accordent sur l’application de la prescription quinquennale de l’article 2224 du code civil mais sont en d\u00e9saccord sur le point de d\u00e9part de ce d\u00e9lai de prescription. \u00bb \u2013 puis affecte \u00e0 chaque chef un point de d\u00e9part conforme \u00e0 sa nature. La nullit\u00e9 formelle se noue \u00e0 la signature, le dol \u00e0 la r\u00e9v\u00e9lation raisonnablement certaine du d\u00e9faut all\u00e9gu\u00e9, la responsabilit\u00e9 du pr\u00eateur au d\u00e9blocage des fonds.<\/p>\n

Cette r\u00e9partition concilie la lettre de l\u2019article 2224 avec la sp\u00e9cialit\u00e9 des actions exerc\u00e9es. Elle r\u00e9duit l\u2019al\u00e9a probatoire, s\u00e9curise les acteurs \u00e9conomiques et favorise une gestion diligente des contestations, sans multiplier les exceptions. La confirmation globale, act\u00e9e par la formule \u00ab Par voie de cons\u00e9quence, le jugement d\u00e9f\u00e9r\u00e9 sera confirm\u00e9 en toutes ses dispositions \u00bb, renforce la lisibilit\u00e9 du message normatif et la discipline des d\u00e9lais.<\/p>\n

B. Incidences pratiques sur les contentieux photovolta\u00efques et le cr\u00e9dit affect\u00e9<\/p>\n

La solution ferme la voie \u00e0 des reports extensifs fond\u00e9s sur la rentabilit\u00e9 esp\u00e9r\u00e9e d\u2019installations \u00e9nerg\u00e9tiques. En fixant la r\u00e9v\u00e9lation du dol \u00e0 la premi\u00e8re r\u00e9gularisation annuelle, elle invite les emprunteurs \u00e0 agir promptement d\u00e8s la confrontation des flux r\u00e9els aux charges du cr\u00e9dit. On peut discuter la s\u00e9v\u00e9rit\u00e9 du crit\u00e8re retenu dans des montages techniques o\u00f9 la performance varie selon l\u2019usage, le dimensionnement et l\u2019exposition, mais la juridiction privil\u00e9gie ici l\u2019objectivation des dates.<\/p>\n

La fixation du dies a quo du pr\u00eateur au d\u00e9blocage des fonds accentue encore la pr\u00e9visibilit\u00e9. Elle conforte une lecture centr\u00e9e sur la naissance du risque financier, plut\u00f4t que sur des cons\u00e9quences ult\u00e9rieures. La censure de la demande indemnitaire pour abus, faute de mauvaise foi caract\u00e9ris\u00e9e, pr\u00e9serve l\u2019acc\u00e8s au juge et \u00e9vite d\u2019\u00e9riger la prescription en instrument r\u00e9pressif. La port\u00e9e pratique est nette: les actions relatives aux ventes hors \u00e9tablissement et aux cr\u00e9dits affect\u00e9s doivent \u00eatre exerc\u00e9es sans d\u00e9lai, sous peine d\u2019irrecevabilit\u00e9, tandis que la grille d\u2019analyse temporelle se stabilise au b\u00e9n\u00e9fice de la s\u00e9curit\u00e9 juridique.<\/p>\n

\u00ab Confirme le jugement d\u00e9f\u00e9r\u00e9 en toutes ses dispositions, \u00bb dit le dispositif, ce qui scelle une jurisprudence de vigilance sur les d\u00e9lais et d\u2019exigence probatoire mesur\u00e9e sur la connaissance des faits pertinents.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

La Cour d’appel de Grenoble, 17 juin 2025, se prononce sur une action en annulation d\u2019une vente hors \u00e9tablissement d\u2019un \u00e9quipement photovolta\u00efque et du cr\u00e9di…<\/p>\n","protected":false},"author":232070755,"featured_media":4746,"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":"","_kj_official_id":"","_kj_official_url":"","_kj_judilibre_id":"","_kj_jur":"","_kj_lieu":"","_kj_chambre":"","_kj_rg":"","_kj_date":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-683887","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jurisprudence"],"yoast_head":"\nCour d'appel de Grenoble, le 19 juin 2017, n\u00b024\/00806 - 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