{"id":13236,"date":"2026-01-16T00:00:00","date_gmt":"2026-01-15T23:00:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/cest-lhistoire-dun-gerant-qui-veut-que-sa-banque-tienne-compte-du-passe\/"},"modified":"2026-01-16T00:00:00","modified_gmt":"2026-01-15T23:00:00","slug":"cest-lhistoire-dun-gerant-qui-veut-que-sa-banque-tienne-compte-du-passe","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/la-petite-histoire-du-jour\/cest-lhistoire-dun-gerant-qui-veut-que-sa-banque-tienne-compte-du-passe\/","title":{"rendered":"C\u2019est l\u2019histoire d\u2019un g\u00e9rant qui veut que sa banque tienne compte du pass\u00e9\u2026"},"content":{"rendered":"<p class=\"title\">C\u2019est l\u2019histoire d\u2019un g\u00e9rant qui veut que sa banque tienne compte du pass\u00e9\u2026<\/p>\n<div>\n<p>Caution d\u2019un emprunt souscrit par sa soci\u00e9t\u00e9, mise en liquidation judiciaire, le g\u00e9rant est appel\u00e9 en garantie par la banque, mais il refuse de payer le solde de l\u2019emprunt d\u00fb : un cautionnement n\u2019est valable que s\u2019il est proportionn\u00e9 \u00e0 ses revenus, rappelle-t-il. Et ce n\u2019est pas le cas ici\u2026&nbsp;<\/p>\n<p>Au jour de la signature de la garantie, il \u00e9tait d\u00e9j\u00e0 engag\u00e9 via d\u2019autres contrats de cautionnement, portant ainsi son engagement total \u00e0 un niveau trop important par rapport \u00e0 ses revenus, donc disproportionn\u00e9\u2026 Sauf que ces autres cautionnements ont depuis \u00e9t\u00e9 annul\u00e9s en justice, rappelle la banque : ils sont donc consid\u00e9r\u00e9s comme n\u2019ayant jamais exist\u00e9, de sorte qu\u2019il n\u2019y a plus lieu d\u2019en tenir compte pour appr\u00e9cier la proportionnalit\u00e9 de son engagement de caution au moment de sa signature\u2026&nbsp;<\/p>\n<p>Ce que confirme le juge : ces cautionnements annul\u00e9s \u00e9tant r\u00e9put\u00e9s n\u2019avoir jamais exist\u00e9, ils ne doivent pas \u00eatre pris en compte pour d\u00e9terminer s\u2019il y a une disproportion manifeste de l\u2019engagement du g\u00e9rant.<\/p>\n<\/p><\/div>\n<div>Source : <\/p>\n<ul>\n<li><a href=\"https:\/\/www.legifrance.gouv.fr\/juri\/id\/JURITEXT000052303729?init=true&amp;page=1&amp;query=23-22.128&amp;searchField=ALL&amp;tab_selection=all\" target=\"_blank\">Arr\u00eat de la Cour de cassation, chambre commerciale, du 17 septembre 2025, no 23-22128<\/a><\/li>\n<\/ul>\n<\/div>\n<p><a href=\"https:\/\/www.weblex.fr\/la-petite-histoire-du-jour\/c-est-l-histoire-d-un-gerant-qui-veut-que-sa-banque-tienne-compte-du-passe\" target=\"_blank\">La petite histoire du jour<\/a> &#8211; \u00a9 Copyright WebLex<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.weblex.fr\/sites\/default\/files\/petites_histoires\/images\/Shutterstock_patrimoinecautionnement.jpg\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>C\u2019est l\u2019histoire d\u2019un g\u00e9rant qui veut que sa banque tienne compte du pass\u00e9\u2026<\/p>\n","protected":false},"author":0,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-13236","post","type-post","status-publish","format-standard","hentry","category-la-petite-histoire-du-jour"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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