Maître Valérie CUNHA

Avocat au barreau de Nice

Avocat titulaire d'un certificat de spécialisation en Droit du travail et social

Compétences : Droit du travail et social, Droit du dommage corporel, Droit de la famille, des personnes et de leur patrimoine, Droit immobilier, Droit du crédit et de la consommation, Procédure d'appel, Procédure civile, Droit des sociétés

Barreau : Nice

Adresse : 17 Avenue Edouard VII 06500 MENTON

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Publié le 23/07/2019

BON A SAVOIR : le législateur vient à la rescousse des banques en cas de défaut ou d'erreur du Taux Effectif Global !

Article juridique - Droit du crédit et de la consommation

Par Me Valérie CUNHA

BON A SAVOIR : le législateur vient à la rescousse des banques en cas de défaut ou d'erreur du Taux Effectif Global !

L'ordonnance n° 2019-740 du 17 juillet 2019 vient préciser les sanctions civiles applicables en cas de défaut ou d'erreur du taux effectif global mettant ainsi un terme aux aléas jurisprudentiels sur la question.

En substance cas de défaut de mention ou de mention erronée du taux effectif global , le prêteur peut être déchu du droit aux intérêts dans la proportion fixée par le juge, au regard notamment du préjudice pour l'emprunteur

Il ne s'agira donc qu'une possibilité et non une obligation pour le juge que de prononcer la déchéance des intérêts et il devra apprécier pour se faire le préjudice subi par l'emprunteur.

Porte ouverte donc à des débats judiciaires sur l'existence ou non d'un préjudice pour l'emprunteur, le fait d'avoir été trompé par un TEG inexistant ou erroné étant semble-t-il relegué au second plan ou en tout ne pas représenter un préjudice en lui même.

Ordonnance n° 2019-740 du 17 juillet 2019 relative aux sanctions civiles applicables en cas de défaut ou d'erreur du taux effectif global