{"id":1005,"date":"2020-12-07T05:48:00","date_gmt":"2020-12-07T04:48:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/protection-des-consommateurs-focus-sur-le-credit-affecte-et-ses-consequences\/"},"modified":"2021-04-28T03:00:35","modified_gmt":"2021-04-28T01:00:35","slug":"protection-des-consommateurs-focus-sur-le-credit-affecte-et-ses-consequences","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/protection-des-consommateurs-focus-sur-le-credit-affecte-et-ses-consequences\/","title":{"rendered":"Protection des consommateurs : focus sur le cr\u00e9dit affect\u00e9\u2026 et ses cons\u00e9quences !"},"content":{"rendered":"

Parce qu\u2019elle a r\u00e9clam\u00e9 la remise d\u2019un ch\u00e8que d\u2019acompte \u00e0 ses clients, une soci\u00e9t\u00e9 se voit condamn\u00e9e au paiement d\u2019une amende. Pourquoi ?<\/p>\n

\n

Cr\u00e9dit affect\u00e9 : attention au d\u00e9lai de r\u00e9tractation !<\/h2>\n

Bon nombre de consommateurs financent certains achats en ayant recours \u00e0 un pr\u00eat bancaire : lorsque celui-ci est sp\u00e9cialement destin\u00e9 \u00e0 financer l\u2019achat d\u2019un bien d\u00e9termin\u00e9, on parle de \u00ab cr\u00e9dit affect\u00e9 \u00bb.<\/p>\n

Tout consommateur qui signe un cr\u00e9dit affect\u00e9 b\u00e9n\u00e9ficie d\u2019un droit de r\u00e9tractation de 14 jours \u00e0 compter de l\u2019acceptation de l\u2019offre de cr\u00e9dit : le contrat de cr\u00e9dit n\u2019est donc d\u00e9finitivement conclu qu\u2019\u00e0 l\u2019expiration de ce d\u00e9lai de r\u00e9tractation.<\/p>\n

Les dispositions relatives au cr\u00e9dit affect\u00e9 sont particuli\u00e8rement protectrices du consommateur. D\u00e8s lors, un vendeur ou un prestataire de service ne peut recevoir aucun paiement de la part du consommateur tant que le contrat de cr\u00e9dit affect\u00e9 n\u2019a pas \u00e9t\u00e9 d\u00e9finitivement conclu.<\/p>\n

Cette r\u00e8gle vient r\u00e9cemment d\u2019\u00eatre rappel\u00e9e par le juge dans une affaire opposant une soci\u00e9t\u00e9 \u00e0 ses clients au sujet de la vente d\u2019un camping-car.<\/p>\n

Dans cette affaire, la soci\u00e9t\u00e9 a vendu un camping-car \u00e0 5 de ses clients, qui ont financ\u00e9 l\u2019achat par le biais d\u2019un cr\u00e9dit affect\u00e9.<\/p>\n

Avant l\u2019expiration du d\u00e9lai de r\u00e9tractation li\u00e9 la souscription de ce cr\u00e9dit, la soci\u00e9t\u00e9 s\u2019est vu remettre un ch\u00e8que d\u2019acompte par ses clients\u2026 ce qui est interdit !<\/p>\n

Pour cette faute, la soci\u00e9t\u00e9 est condamn\u00e9e au paiement d\u2019une amende de 20 000 \u20ac.<\/p>\n

Et peu importe ici que les ch\u00e8ques d\u2019acomptes n\u2019aient pas \u00e9t\u00e9 encaiss\u00e9s et aient \u00e9t\u00e9 restitu\u00e9s par la soci\u00e9t\u00e9 \u00e0 ses clients\u2026<\/p>\n

Source :<\/span> Arr\u00eat de la Cour de cassation, chambre criminelle, du 24 novembre 2020, n\u00b0 19-85829 (NP)<\/p>\n

Protection des consommateurs : focus sur le cr\u00e9dit affect\u00e9\u2026 et ses cons\u00e9quences !<\/a> \u00a9 Copyright WebLex – 2020<\/p>\n<\/div>\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Parce qu\u2019elle a r\u00e9clam\u00e9 la remise d\u2019un ch\u00e8que d\u2019acompte \u00e0 ses clients, une soci\u00e9t\u00e9 se voit condamn\u00e9e au paiement d\u2019une amende. Pourquoi ?<\/p>\n","protected":false},"author":0,"featured_media":4245,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,7],"tags":[],"class_list":["post-1005","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actu-juridique","category-actualites"],"acf":[],"yoast_head":"\nProtection des consommateurs : focus sur le cr\u00e9dit affect\u00e9\u2026 et ses cons\u00e9quences ! - Cabinet Magar<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cabinet-magar.fr\/de\/actualites\/protection-des-consommateurs-focus-sur-le-credit-affecte-et-ses-consequences\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Protection des consommateurs : focus sur le cr\u00e9dit affect\u00e9\u2026 et ses cons\u00e9quences ! - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"Parce qu\u2019elle a r\u00e9clam\u00e9 la remise d\u2019un ch\u00e8que d\u2019acompte \u00e0 ses clients, une soci\u00e9t\u00e9 se voit condamn\u00e9e au paiement d\u2019une amende. 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