Maître Romane MUSSELIN

Avocat au barreau de Paris

Compétences : Droit commercial, des affaires et de la concurrence, Droit de la consommation, Fusions et acquisitions, Droit boursier, Droit bancaire et boursier, Droit bancaire et financier, Droit du crédit et de la consommation, Droit immobilier, Droit des garanties, des sûretés et des mesures d'exécution, Procédure civile

Barreau : Paris

Adresse : 72 AVENUE VICTOR HUGO 75116 PARIS

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Publié le 01/10/2024

Faute du banquier prêteur de deniers et le préjudice subi par l’emprunteur

Article juridique

Par Me Romane MUSSELIN

Faute du banquier prêteur de deniers et le préjudice subi par l’emprunteur :

Le prêteur qui a versé les fonds sans s'être assuré de la complète exécution du contrat principal, peut être privé en tout ou partie de sa créance de restitution, dès lors que l'emprunteur justifie avoir subi un préjudice en lien avec cette faute.

La Cour de cassation juge en effet que commet une faute : le prêteur qui libère les fonds au vu d'une attestation de livraison et de demande de financement signée par l'emprunteur, insuffisamment précise pour rendre compte de la complexité de l'opération financée et permettre au prêteur de s'assurer de l'exécution effective des prestations de mise en service de l'installation auxquelles le vendeur s'était également engagé, ou bien encore d'une attestation mentionnant que les travaux terminés ne concernent pas les prestations de raccordement ni l'obtention des autorisations administratives auxquelles le vendeur s'était engagé.

Civ. 1re, 10 juill. 2024, FS-B, n° 23-12.122

Fichier attaché