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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Publié le 11/09/2017

RESPONSABILITÉ EN CAS D’UTILISATION FRAUDULEUSE DES DONNÉES PERSONNELLES.

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

Par Me Raymond AUTEVILLE

RESPONSABILITÉ EN CAS D’UTILISATION FRAUDULEUSE DES DONNÉES PERSONNELLES.

Un client conteste les opérations débitées sur son compte, pour utilisation de sa carte bancaire.

La banque a refusé de rembourser au motif que les pirates étaient été réalisés au moyen d’un dispositif de sécurité personnalisé (code par SMS, procédé interne CMNE Direct, avec mot de passe associés etc………)

Or le client prétendait ne pas avoir été l’utilisateur de la carte bancaire. En effet de nombreux pirates arrivent à contourner ses systèmes de sécurité.

Par une série de décision rendues le 18 janvier 2017, la Cour de Cassation a dit clairement que la banque doit rapporter la preuve que le client a agi frauduleusement ou n’a pas satisfait intentionnellement, ou par négligence grave à ses obligations, dès lorsqu’il nie avoir autorisé une opération du paiement. Cette preuve ne peut se déduire du seul fait que l’instrument de paiement ou les données personnelles qui lui sont liées ont été effectivement utilisées. (Cas. Com 18 janvier 2017 N°15-18102) .