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 06/10/2021

Cautionnement et prêt bancaire, quels moyens de défense ?

Article juridique - Droit bancaire et boursier

Par Me Cécile DEVYNCK

Cautionnement et prêt bancaire, quels moyens de défense ?

Dans le cadre d’un prêt bancaire (immobilier, crédit à la consommation…), la banque peut avoir exigé que le remboursement du prêt accordé soit garanti par un cautionnement.

Dans cette hypothèse, il est prévu que la caution rembourse le prêt en lieux et place de l’emprunteur principal si celui-ci est défaillant dans l’exécution de ses obligations (défaut de remboursement des échéances de l’emprunt).

En pratique, après avoir mis en demeure l’emprunteur et la caution de rembourser le prêt en capital et intérêts, la banque leur signifiera, par huissier de justice, une assignation en paiement devant le Tribunal judiciaire.

La caution disposera alors de nombreux moyens de défense pour refuser de régler les sommes réclamées par la banque : défaut de respect des obligations légales, falsification de signature ou écriture, cautionnement disproportionné au regard des revenus de la caution…

Il sera également possible de demander des délais de paiement.

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/F16124).