Maître Anne-Sophie RAMOND

Avocat au barreau de Paris

Compétences : Droit commercial, des affaires et de la concurrence, Droit du travail, Droit bancaire et financier

Barreau : Paris

Adresse : 10 RUE DE LA NEVA 75008 PARIS

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Publié le 25/09/2026

La déchéance du titre : peut-on invalider le titre exécutoire ?

Article juridique - Droit bancaire et boursier

Par Me Anne-Sophie RAMOND

La déchéance du titre : peut-on invalider le titre exécutoire ?

La saisie immobilière ne peut être engagée que sur la base d'un titre exécutoire valable et non prescrit. Contester ce titre est l'un des moyens de défense les plus radicaux : si le titre est invalide, toute la procédure tombe.

La prescription du titre

L'exécution forcée fondée sur un titre exécutoire se prescrit par 10 ans à compter de la date à laquelle il est devenu définitif (article L. 111-4 CPCE). Un créancier qui engage une saisie 11 ans après son dernier acte de poursuite voit sa procédure paralysée par la prescription.

La nullité de l'acte notarié

L'acte authentique peut être contesté pour : vice de forme, absence de capacité de l'une des parties, dol ou violence, fausseté. Ces actions relèvent du tribunal judiciaire et non du juge de l'exécution.

⚖ Civ. 2e, 11 juin 2020, n°19-13.376

La Cour rappelle que le délai de prescription de 10 ans s'applique à tout titre exécutoire, y compris les actes notariés de prêt, et que ce délai ne peut être interrompu que par un acte d'exécution au sens des voies d'exécution.

Sur le même sujet : https://consultation.avocat.fr/blog/anne-sophie-ramond/article-2982610-peut-on-contester-les-interets-et-indemnites-reclames-par-la-banque.html

Vous pensez être dans une situation similaire ? Vous pouvez nous adresser un mail à l’adresse suivante : asr@asr-avocats.com, en nous indiquant :

• votre nom

• le montant du prêt

• la banque concernée

• vos coordonnées

Ou nous contacter directement via notre formulaire de contact sur https://www.jurisofia.com/contact-honoraires. Nous vous recontacterons dans les meilleurs délais pour vous donner un avis.

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