Maître Yohann KERMEUR

Avocat au barreau de Rennes

Compétences : Construction, Baux d'habitation, Droit de la famille, des personnes et de leur patrimoine, Droit pénal, Droit de la consommation, Procédure civile, Procédure d'appel

Barreau : Rennes

Adresse : 40 boulevard de la Tour d'Auvergne 35000 RENNES

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Publié le 27/04/2017

L'imprécision tue l'acte de cautionnement

Article juridique - Droit du crédit et de la consommation

Par Me Yohann KERMEUR

L'imprécision tue l'acte de cautionnement

Dans un jugement du 27 mars 2017 (non définitif à ce jour), le Tribunal d'instance de NANTES a annulé un acte de cautionnement en raison de son imprécision.

Outre que certaines mentions manuscrites de la caution étaient partiellement manquantes, le Tribunal a surtout relevé que certaines mentions indispensables pour permettre à la caution de déterminer l'ampleur de son engagement étaient manquantes et justifiaient la nullité de l'acte de cautionnement.

Au nombre des mentions manquantes : la référence d'indexation du loyer. En l'espèce, aucune précision n'était apportée sur cette indexation. Or concrètement, le loyer (de 400 € initialement) a augmenté brusquement de 120 € en l'espèce de 4 ans, ce qui n'était pas prévisible pour la caution.

Moralité, l'acte de cautionnement meurt face à ses propres imprécisions.