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 11/10/2024

Quelles sont les conséquences du réputé non écrit d’une clause de déchéance du terme déclarée abusive par le juge de l’exécution ?

Article juridique - Droit du crédit et de la consommation

Par Me Romane MUSSELIN

Quelles sont les conséquences du réputé non écrit d’une clause de déchéance du terme déclarée abusive par le juge de l’exécution ?

En présence d’une clause de déchéance du terme réputée non écrite, la banque ne peut plus se fonder sur cette clause pour prononcer la déchéance du terme.

La Cour de cassation juge ainsi que « la clause d'exigibilité immédiate stipulée au contrat de prêt constituait une clause abusive qui devait être réputée non écrite, ce dont il résultait que la déchéance du terme ne pouvait reposer sur cette clause, peu important l'envoi par la banque d'une mise en demeure. »

Civ. 2e, 3 oct. 2024, F-B, n° 21-25.823

Fichier attaché