Maître Raymond AUTEVILLE

Avocat au barreau de La Martinique

Avocat titulaire d'un certificat de spécialisation en Droit immobilier

Compétences : Droit immobilier, Droit des assurances, Baux commerciaux et professionnels, Droit de la famille, des personnes et de leur patrimoine, Droit du dommage corporel, Droit de la santé, Droit commercial, des affaires et de la concurrence, Droit du crédit et de la consommation, Mesures conservatoires, Droit du travail, Urbanisme, Procédure civile, Procédure d'appel, Droit pénal

Barreau : Martinique

Adresse : 51 rue Lazare CARNOT 97200 FORT DE FRANCE

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Caution le dol de l'établissement financier

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

Par Me Raymond AUTEVILLE

La jurisprudence revient régulièrement sur le devoir d'information à l'égard de la caution.

Dans l'espèce que nous commentons un établissement financier avait consenti à une entreprise un prêt garanti par une hypothèque une promesse de nantissement, et l'engagement de dix sept caution solidaires.

Actionnés par l'établissement financier, les cautions ont allégués qu'ils n'avaient pas été informés par la banque des risques de l'opération cautionnée, alors que le créancier avait conscience de la fragilité de l'opération financière, ce que révèle le luxe de garanties exigées par lui.

La Chambre Commerciale de la Cour de Cassation, par arrêt en date du 22 mai 2013, a donné raison aux juges du fond d'avoir retenu que constituait un dol de la banque l'absence d'information des cautions relativement à la viabilité économique de l'opération.

Un tel arrêt doit être approuvé sans réserves.

(Com 15 janv 2013 n° 11-27648)