{"id":301,"date":"2021-03-05T01:25:00","date_gmt":"2021-03-05T00:25:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/cest-lhistoire-dun-emprunteur-pour-qui-rien-ne-sert-de-courir\/"},"modified":"2022-06-06T10:34:39","modified_gmt":"2022-06-06T08:34:39","slug":"cest-lhistoire-dun-emprunteur-pour-qui-rien-ne-sert-de-courir","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/la-petite-histoire-du-jour\/cest-lhistoire-dun-emprunteur-pour-qui-rien-ne-sert-de-courir\/","title":{"rendered":"C\u2019est l\u2019histoire d\u2019un emprunteur pour qui \u00ab rien ne sert de courir \u00bb\u2026"},"content":{"rendered":"<div>\n<p class=\"title\">C\u2019est l\u2019histoire d\u2019un emprunteur pour qui \u00ab rien ne sert de courir \u00bb\u2026<\/p>\n<p>Un dirigeant souscrit un pr\u00eat immobilier, dont le remboursement est garanti par une assurance. A la suite d\u2019un arr\u00eat maladie, il r\u00e9clame la prise en charge des mensualit\u00e9s \u00e0 l\u2019assurance. Ce qu\u2019elle refuse, lui rappelant qu\u2019il a d\u00e9pass\u00e9 l\u2019\u00e2ge au-del\u00e0 duquel ce risque est couvert\u2026<\/p>\n<p>S\u2019estimant mal conseill\u00e9 lors de la souscription de cette assurance, l\u2019emprunteur se retourne alors contre la banque et lui r\u00e9clame une indemnisation. Ce qu\u2019elle lui refuse \u00e0 son tour, estimant sa demande \u00ab trop tardive \u00bb : la banque lui rappelle qu\u2019il avait 5 ans, \u00e0 compter de la souscription du contrat, pour engager sa responsabilit\u00e9&#8230; \u00ab A compter du refus de prise en charge de l\u2019assurance, plut\u00f4t \u00bb, r\u00e9torque le particulier : sa demande d\u2019indemnisation est donc parfaitement l\u00e9gitime\u2026 et recevable\u2026<\/p>\n<p>Une position partag\u00e9e par le juge, qui estime ici que le d\u00e9lai de 5 ans dont dispose l\u2019emprunteur pour engager la responsabilit\u00e9 de la banque commence \u00e0 courir \u00e0 compter du refus de garantie oppos\u00e9 par l\u2019assurance.<\/p>\n<p><\/p>\n<p class=\"sources\"><a href=\"https:\/\/www.legifrance.gouv.fr\/juri\/id\/JURITEXT000043004966?init=true&amp;page=1&amp;query=n%C2%B0+18-24.954&amp;searchField=ALL&amp;tab_selection=all\" target=\"_blank\" rel=\"noopener\">Arr\u00eat de la cour de cassation, chambre commerciale, du 6 janvier 2021, n\u00b018-24954<\/a><\/p>\n<p><a href=\"https:\/\/www.weblex.fr\/la-petite-histoire-du-jour\" target=\"_blank\" rel=\"noopener\">La petite histoire du jour<\/a><\/p>\n<\/div>\n<p><img src='https:\/\/www.weblex.fr\/images\/flux_actus\/pretbancaire.jpg'><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mt5\">C\u2019est l\u2019histoire d\u2019un emprunteur pour qui \u00ab rien ne sert de courir \u00bb\u2026<\/div>\n","protected":false},"author":0,"featured_media":302,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-301","post","type-post","status-publish","format-standard","has-post-thumbnail","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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