Maître Jean-Paul FOURMONT

Avocat au barreau de Coutances

Compétences : Droit immobilier, Droit de la famille, des personnes et de leur patrimoine, Droit du travail et social, Assurances des particuliers

Barreau : Coutances-Avranches

Adresse : 3 Avenue Maréchal Foch 50150 SOURDEVAL

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Publié le 12/06/2022

Obligation d'information annuelle de la caution ,la seule production par le créancier de la lettre d'information ne suffit pas

Article juridique - Droit commercial, des affaires et de la concurrence

Par Me Jean-Paul FOURMONT

Obligation d'information annuelle de la caution ,la seule production par le créancier de la lettre d'information ne suffit pas

La Cour de cassation a rendu un arrêt le 25 mai 2022 qui indique que si le créancier professionnel doit adresser chaque année à la caution personne physique ,les informations prévues au titre de l'obligation d'information annuelle des cautions.

La seule production par le créancier de la copie d'une lettre d'information ne suffit pas à justifier cet envoi.

Une information est due par le créancier à la caution.

-Lors de la souscription de son engagement ,avec un devoir de mise en garde.

-Et pendant toute la durée du cautionnement ,avec une information annuelle et une information en cas d'incident de paiement .

Le devoir de mise en garde s'applique à tous les créanciers professionnels