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, 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 et social, Urbanisme, Procédure civile, Procédure d'appel, Droit pénal

Barreau : Martinique

Adresse : 51 rue Lazare CARNOT 97200 FORT DE FRANCE

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CAUTION : PROPORTIONALITE DE L'ENGAGEMENT AVEC LES CAPACITES PATRIMONIALES

Article juridique

Par Me Raymond AUTEVILLE

L'article L 34-4 du Code de la Consommation, exige que l'engagement de la caution soit proportionné à ses capacités patrimoniales.

Les banques croyaient avoir trouvé la parade, en multipliant le nombre de caution, lorsque le prêt souscrit portait sur un montant important.

Par arrêt du 22 mai 2013, la Chambre Commerciale de la Cour de Cassation, a rappelé que la pluralité de cautions ne fait pas disparaître l'obligation prescrite par l'article L 341-4 du Code de la Consommation, à savoir que l'engagement de chacune des cautions doit être proportionné à sa capacité patrimoniale effective (Cass. Com. 22 mai 2013, n° 11624.812).