Maître Anne-Sophie RAMOND

Avocat au barreau de Paris

Barreau : Paris

Adresse : 2 AVENUE HOCHE 75008 PARIS

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Publié le 08/06/2023

La lutte contre les simulations financières trompeuses

Article juridique - Droit immobilier

Par Me Anne-Sophie RAMOND

La lutte contre les simulations financières trompeuses

La Cour de cassation dans un arrêt du 18 octobre 2011 condamne fermement les pratiques des conseillers en gestion de patrimoine consistant à fournir au client potentiel une simulation financière trompeuse.

En l’espèce une simulation financière intitulée « simulation package LMP » a été remise à un investisseur potentiel.

Les juges relèvent que ce document se borne à souligner le caractère lucratif de l’opération non seulement en raison de ses incidences fiscales mais également du fait de l’augmentation constante de la valeur des biens acquis.

Il est reproché au conseiller en gestion de patrimoine, non pas d’avoir produit une simulation financière pour convaincre l’investisseur potentiel, mais de ne pas avoir attiré son attention sur l’impossibilité dans laquelle il se trouvait de maîtriser les variables intégrées dans les calculs.

C’est donc parce que la simulation financière n’a aucune valeur scientifique et économique que la responsabilité du conseiller en gestion de patrimoine est engagée pour manquement à son obligation précontractuelle d’information.

Par cet arrêt, les juges entendent rappeler que les documents précontractuels fournis aux investisseurs potentiels doivent être réels et sérieux.