{"id":763680,"date":"2026-04-29T22:13:37","date_gmt":"2026-04-29T20:13:37","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-le-13-janvier-2026-n24-00191\/"},"modified":"2026-04-29T22:13:37","modified_gmt":"2026-04-29T20:13:37","slug":"cour-dappel-le-13-janvier-2026-n24-00191","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/zh-hans\/cour-dappel-le-13-janvier-2026-n24-00191\/","title":{"rendered":"Cour d&#8217;appel, le 13 janvier 2026, n\u00b024\/00191"},"content":{"rendered":"<div class=\"article-content\">\n<p>La cour d\u2019appel de c\u00e9ans, premi\u00e8re chambre civile, a rendu un arr\u00eat par d\u00e9faut le 13 janvier 2026. Un \u00e9tablissement financier avait consenti un regroupement de cr\u00e9dits \u00e0 deux emprunteurs, puis les a assign\u00e9s en paiement apr\u00e8s d\u00e9ch\u00e9ance du terme. Le premier juge avait prononc\u00e9 d\u2019office la d\u00e9ch\u00e9ance du droit aux int\u00e9r\u00eats du pr\u00eateur pour d\u00e9faut de preuve de remise du bordereau de r\u00e9tractation et de la notice d\u2019assurance. L\u2019\u00e9tablissement de cr\u00e9dit a relev\u00e9 appel de cette d\u00e9cision en contestant la sanction prononc\u00e9e \u00e0 son encontre. La question de droit portait sur la charge de la preuve de la remise des documents pr\u00e9contractuels obligatoires. La cour a infirm\u00e9 le jugement et fait droit aux demandes en paiement du pr\u00eateur.<\/p>\n<p>I. La preuve de la remise des documents pr\u00e9contractuels<\/p>\n<p>La cour estime que la communication d\u2019une liasse type suffit \u00e0 \u00e9tablir le respect des obligations d\u2019information. Elle rel\u00e8ve que le contrat sign\u00e9 contient une mention de possession d\u2019un exemplaire avec formulaire d\u00e9tachable de r\u00e9tractation. Elle ajoute que le pr\u00eateur a communiqu\u00e9 en appel la liasse type de 56 pages comprenant ce formulaire.<\/p>\n<p>A. La valeur probante de la liasse type et de la mention contractuelle<\/p>\n<p>La cour consid\u00e8re que la mention sign\u00e9e par les emprunteurs constitue un indice de la remise du document. Elle pr\u00e9cise que la communication distincte d\u2019un sp\u00e9cimen vierge de la liasse pr\u00e9-imprim\u00e9e suffit \u00e0 \u00e9tablir la preuve du respect de l\u2019exigence l\u00e9gale. Cette solution assouplit la charge probatoire pesant sur le professionnel en admettant des \u00e9l\u00e9ments de preuve indirects. Elle renforce la s\u00e9curit\u00e9 juridique des contrats de cr\u00e9dit en \u00e9vitant une d\u00e9ch\u00e9ance syst\u00e9matique pour d\u00e9faut de production de l\u2019original.<\/p>\n<p>B. La port\u00e9e de la preuve de la remise de la notice d\u2019assurance<\/p>\n<p>La cour \u00e9tend ce raisonnement \u00e0 la justification de la remise de la notice d\u2019assurance. Elle retient que la mention de souscription dans le contrat et la pr\u00e9sence de la notice dans la liasse type sont suffisantes. Cette d\u00e9cision unifie le r\u00e9gime probatoire des documents pr\u00e9contractuels en mati\u00e8re de cr\u00e9dit \u00e0 la consommation. Elle \u00e9carte une interpr\u00e9tation trop formaliste qui exigerait la production de l\u2019exemplaire original sign\u00e9 par l\u2019emprunteur.<\/p>\n<p>II. Les cons\u00e9quences sur le montant de la cr\u00e9ance et les accessoires<\/p>\n<p>La cour infirme le jugement sur la d\u00e9ch\u00e9ance des int\u00e9r\u00eats et fixe la cr\u00e9ance \u00e0 la somme r\u00e9clam\u00e9e par l\u2019\u00e9tablissement financier. Elle inclut l\u2019indemnit\u00e9 conventionnelle de r\u00e9siliation dans le montant de la condamnation. Elle refuse en revanche la capitalisation des int\u00e9r\u00eats faute de pr\u00e9cision sur la clause contractuelle.<\/p>\n<p>A. La fixation du solde impay\u00e9 et le sort de l\u2019indemnit\u00e9 conventionnelle<\/p>\n<p>La cour valide le calcul du pr\u00eateur incluant le capital restant d\u00fb, les int\u00e9r\u00eats, l\u2019assurance et l\u2019indemnit\u00e9 conventionnelle. Elle pr\u00e9cise que \u201cla somme totale nette principale de 63.602,92 \u20ac appara\u00eet correctement calcul\u00e9e\u201d (Motifs). Elle infirme le rejet de l\u2019indemnit\u00e9 conventionnelle prononc\u00e9 en premi\u00e8re instance. Cette position confirme le caract\u00e8re accessoire de cette clause qui suit le sort de la cr\u00e9ance principale.<\/p>\n<p>B. Le rejet de la capitalisation des int\u00e9r\u00eats et le taux applicable<\/p>\n<p>La cour rejette la demande d\u2019anatocisme au motif que le pr\u00eateur ne pr\u00e9cise pas si le contrat stipule une clause de capitalisation. Elle rappelle que \u201cle droit d\u2019ordre public de la consommation s\u2019opposant totalement \u00e0 toute indemnit\u00e9 suppl\u00e9mentaire\u201d (Motifs). Elle fixe les int\u00e9r\u00eats moratoires au taux l\u00e9gal \u00e0 compter de l\u2019assignation. Cette solution prot\u00e8ge l\u2019emprunteur contre une aggravation excessive de sa dette en l\u2019absence de stipulation claire.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>La cour d\u2019appel de c\u00e9ans, premi\u00e8re chambre civile, a rendu un arr\u00eat par d\u00e9faut le 13 janvier 2026. Un \u00e9tablissement financier avait consenti un regroupement &#8230;<\/p>\n","protected":false},"author":232070755,"featured_media":4924,"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":"696745c7cdc6046d473ae1ce","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/696745c7cdc6046d473ae1ce","_kj_judilibre_id":"696745c7cdc6046d473ae1ce","_kj_jur":"Cour d'appel","_kj_lieu":"Riom","_kj_chambre":"1\u00e8re Chambre","_kj_rg":"24\/00191","_kj_date":"2026-01-13","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-763680","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, le 13 janvier 2026, n\u00b024\/00191 - Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris<\/title>\n<meta name=\"description\" content=\"La cour d\u2019appel de c\u00e9ans, premi\u00e8re chambre civile, a rendu un arr\u00eat par d\u00e9faut le 13 janvier 2026. 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