{"id":5395,"date":"2021-06-04T10:39:00","date_gmt":"2021-06-04T08:39:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/cest-lhistoire-dun-particulier-qui-aurait-du-ecouter-son-banquier\/"},"modified":"2021-06-04T10:39:00","modified_gmt":"2021-06-04T08:39:00","slug":"cest-lhistoire-dun-particulier-qui-aurait-du-ecouter-son-banquier","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/la-petite-histoire-du-jour\/cest-lhistoire-dun-particulier-qui-aurait-du-ecouter-son-banquier\/","title":{"rendered":"C\u2019est l\u2019histoire d\u2019un particulier qui aurait d\u00fb \u00e9couter son banquier\u2026"},"content":{"rendered":"<div>\n<p class=\"title\">C\u2019est l\u2019histoire d\u2019un particulier qui aurait d\u00fb \u00e9couter son banquier\u2026<\/p>\n<p>Rencontrant d\u2019importantes difficult\u00e9s financi\u00e8res, un particulier d\u00e9cide de saisir la commission de surendettement en vue de parvenir \u00e0 apurer ses dettes. Mais sa demande est irrecevable, estime la banque qui lui a consenti un cr\u00e9dit immobilier\u2026<\/p>\n<p>Face aux difficult\u00e9s rencontr\u00e9es par son client, elle a accept\u00e9 de suspendre le paiement de ses mensualit\u00e9s de cr\u00e9dit pendant 18 mois afin qu\u2019il puisse avoir le temps de vendre 3 appartements qu\u2019il poss\u00e9dait pour solder ses dettes. Or, il n\u2019a pas mis \u00e0 profit ce d\u00e9lai puisqu\u2019il ne justifie que de la mise en vente d\u2019un seul de ses appartements. Une mauvaise foi manifeste pour la banque qui, selon elle, l\u2019emp\u00eache de faire appel \u00e0 la commission de surendettement\u2026<\/p>\n<p>Ce que confirme le juge, pour qui seules les personnes de bonne foi peuvent saisir cette commission. Ce qui n\u2019est donc pas le cas d\u2019une personne qui, de mauvaise foi, n\u2019a pas utilis\u00e9 le d\u00e9lai accord\u00e9 par la banque pour reconstituer sa tr\u00e9sorerie en vue du remboursement de ses dettes\u2026<\/p>\n<p><\/p>\n<p class=\"sources\"><a href=\"https:\/\/www.legifrance.gouv.fr\/juri\/id\/JURITEXT000042708777?init=true&amp;page=1&amp;query=19-20454&amp;searchField=ALL&amp;tab_selection=all\" target=\"_blank\" rel=\"noopener\">Arr\u00eat de la Cour de cassation, 2e chambre civile, du 10 d\u00e9cembre 2020, n\u00b0 19-20454<\/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\/mauvaisefoi.jpg'><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mt5\">C\u2019est l\u2019histoire d\u2019un particulier qui aurait d\u00fb \u00e9couter son banquier\u2026<\/div>\n","protected":false},"author":0,"featured_media":5398,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-5395","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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