{"id":1292,"date":"2020-11-02T05:49:00","date_gmt":"2020-11-02T04:49:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/droit-de-retractation-du-consommateur-gare-aux-preuves\/"},"modified":"2022-06-03T15:45:01","modified_gmt":"2022-06-03T13:45:01","slug":"droit-de-retractation-du-consommateur-gare-aux-preuves","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/droit-de-retractation-du-consommateur-gare-aux-preuves\/","title":{"rendered":"Droit de r\u00e9tractation du consommateur : gare aux preuves !"},"content":{"rendered":"<p >Parce qu\u2019il estime que la banque a failli \u00e0 l\u2019obligation de lui remettre un formulaire de r\u00e9tractation lors de l\u2019octroi de son cr\u00e9dit, un consommateur demande \u00e0 ce qu\u2019elle soit d\u00e9chue du droit aux int\u00e9r\u00eats. Sauf, r\u00e9torque la banque, qu\u2019elle a bien fait le n\u00e9cessaire \u00e0 ce sujet\u2026 et qu\u2019elle en a la preuve\u2026<\/p>\n<div>\n<h2>Remise du formulaire de r\u00e9tractation : \u00ab prouvez-le ! \u00bb<\/h2>\n<p>Une banque octroie un cr\u00e9dit \u00e0 la consommation \u00e0 un particulier.<\/p>\n<p>A la suite d\u2019impay\u00e9s, elle r\u00e9clame au particulier, plac\u00e9 entre-temps sous curatelle, le remboursement int\u00e9gral du pr\u00eat et de ses int\u00e9r\u00eats.<\/p>\n<p>Sauf, r\u00e9torque l\u2019int\u00e9ress\u00e9, que la banque a failli \u00e0 l\u2019une de ses obligations essentielles lors de la conclusion du contrat : elle ne lui a en effet pas remis le formulaire de r\u00e9tractation, qu\u2019elle \u00e9tait pourtant tenue de joindre au contrat de cr\u00e9dit.<\/p>\n<p>A d\u00e9faut d\u2019avoir accompli cette formalit\u00e9, elle doit, selon le particulier, \u00eatre d\u00e9chue de son droit aux int\u00e9r\u00eats\u2026<\/p>\n<p>\u00ab Faux ! \u00bb, r\u00e9torque la banque qui rappelle qu\u2019elle a fait le n\u00e9cessaire, et pour preuve : le contrat de cr\u00e9dit, que le particulier a sign\u00e9, comporte une clause aux termes de laquelle il reconna\u00eet avoir re\u00e7u ce formulaire de r\u00e9tractation. Il ne peut donc pas pr\u00e9tendre le contraire aujourd\u2019hui !<\/p>\n<p>\u00ab Si \u00bb, tranche le juge : le seul fait que le contrat sign\u00e9 par le consommateur pr\u00e9cise que celui-ci reconna\u00eet avoir re\u00e7u ce formulaire ne suffit pas \u00e0 prouver que cela a bien \u00e9t\u00e9 le cas. Il s\u2019agit seulement d\u2019un indice, que la banque doit obligatoirement compl\u00e9ter par d\u2019autres \u00e9l\u00e9ments de preuve.<\/p>\n<p>A d\u00e9faut de l\u2019avoir fait ici, elle doit \u00eatre d\u00e9chue de son droit aux int\u00e9r\u00eats\u2026<\/p>\n<\/div>\n<p>Source : Arr\u00eat de la Cour de cassation, 1\u00e8re chambre civile, du 21 octobre 2020, n\u00b0 19-18971 (NP)<\/p>\n<p><a href=\"https:\/\/www.weblex.fr\/weblex-actualite\/droit-de-retractation-du-consommateur-gare-aux-preuves\" target=\"_blank\" rel=\"noopener\">Droit de r\u00e9tractation du consommateur : gare aux preuves !<\/a> \u00a9 Copyright WebLex &#8211; 2020<\/p>\n<p><img src='https:\/\/www.weblex.fr\/images\/flux_actus\/retractation2.jpg '><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Parce qu\u2019il estime que la banque a failli \u00e0 l\u2019obligation de lui remettre un formulaire de r\u00e9tractation lors de l\u2019octroi de son cr\u00e9dit, un consommateur demande \u00e0 ce qu\u2019elle soit d\u00e9chue du droit aux int\u00e9r\u00eats. Sauf, r\u00e9torque la banque, qu\u2019elle a bien fait le n\u00e9cessaire \u00e0 ce sujet\u2026 et qu\u2019elle en a la preuve\u2026<\/p>\n","protected":false},"author":0,"featured_media":4963,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7,10],"tags":[],"class_list":["post-1292","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-le-coin-du-dirigeant"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Droit de r\u00e9tractation du consommateur : gare aux preuves ! - 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\/actualites\/droit-de-retractation-du-consommateur-gare-aux-preuves\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Droit de r\u00e9tractation du consommateur : gare aux preuves ! - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"Parce qu\u2019il estime que la banque a failli \u00e0 l\u2019obligation de lui remettre un formulaire de r\u00e9tractation lors de l\u2019octroi de son cr\u00e9dit, un consommateur demande \u00e0 ce qu\u2019elle soit d\u00e9chue du droit aux int\u00e9r\u00eats. 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