Maître Cécile DEVYNCK

Avocat au barreau de Toulouse

Compétences : Droit de la famille, divorce, séparation, Construction, Baux d'habitation, Droit du crédit et de la consommation, Droit des garanties, des sûretés et des mesures d'exécution, Droit immobilier, Droit de la famille, des personnes et de leur patrimoine, Copropriété, Droit du surendettement, Responsabilité civile, Droit bancaire et financier, Droit des successions et donations, Baux commerciaux et professionnels, Procédure civile, Procédure d'appel

Barreau : Toulouse

Adresse : 5, rue Réclusane 31300 TOULOUSE

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Publié le 17/04/2020

Reporter ou suspendre les échéances d'un crédit malgré un refus de la banque ? Oui, c'est possible !

Article juridique - Droit du crédit et de la consommation

Par Me Cécile DEVYNCK

Reporter ou suspendre les échéances d'un crédit malgré un refus de la banque ? Oui, c'est possible !

Vous souhaitez suspendre ou reporter le remboursement des échéances d'un crédit à la consommation ou un crédit immobilier en raison de difficultés financières imprévues (baisse de revenus, perte d'emploi, chômage, maladie, accident de la vie, coronavirus / covid 19...), mais la banque refuse au motif que vous n'avez pas souscrit cette option dans votre contrat.

Face à une tel refus, il est possible de saisir le Tribunal pour demander une suspension judiciaire des échéances de votre prêt, si les conditions légales sont réunies.

Il faudra veiller à effectuer cette demande dès que les difficultés apparaissent et avant que la banque prononce la déchéance du terme du contrat de prêt (autrement dit résilie le crédit et réclame le remboursement de l'intégralité des sommes prêtées avec intérêts et frais).

Un dossier complet et détaillé devra être présenté au Tribunal pour obtenir gain de cause.

Mon cabinet situé à TOULOUSE est à votre écoute pour vous assister dans ces différentes démarches.

(Cet article est délibérément succinct, pour plus de précisions vous pouvez consulter ce site : https://www.service-public.fr/particuliers/vosdroits/F1670 ; https://www.service-public.fr/particuliers/vosdroits/F34972 ).

Cécile DEVYNCK Avocat

5 rue Réclusane - 31300 TOULOUSE

Tél.: 07 66 30 27 71 - Fax.: 05 34 42 17 31 - Mail : devynck.avocat@gmail.com