{"id":11879,"date":"2022-05-12T20:08:31","date_gmt":"2022-05-12T18:08:31","guid":{"rendered":"https:\/\/www.white-baos.com\/?p=11879"},"modified":"2022-05-12T20:08:36","modified_gmt":"2022-05-12T18:08:36","slug":"cartes-de-credit-revolving-reclamation-prescription-nullite-manque-de-transparence-et-usure","status":"publish","type":"post","link":"https:\/\/www.white-baos.com\/fr\/cartes-de-credit-revolving-reclamation-prescription-nullite-manque-de-transparence-et-usure\/","title":{"rendered":"Cartes de cr\u00e9dit revolving. R\u00e9clamez contre votre banque. Avocats experts. Prescription de la r\u00e9clamation, nullit\u00e9 et manque de transparence. Jurisprudence."},"content":{"rendered":"\n

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Nous avons d\u00e9j\u00e0 abord\u00e9 dans de pr\u00e9c\u00e9dents articles les cartes de cr\u00e9dit revolving et comment intenter des actions contre elles. Vous pouvez trouver cette information dans le lien suivant :\u00a0<\/strong>https:\/\/www.white-baos.com\/fr\/cartes-de-credit-revolving-nullite-interets-abusifs-comment-reclamer\/<\/a><\/p>\n\n\n\n

Dans le pr\u00e9sent article, nous approfondirons les questions les plus pertinentes lors de l\u2019approche \u00e0 une r\u00e9clamation concernant ces cartes de cr\u00e9dit revolving\u00a0: la prescription de la r\u00e9clamation, la nullit\u00e9, le manque de transparence et l\u2019usure.<\/p>\n\n\n\n

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J\u2019ai une carte revolving : puis-je r\u00e9clamer sans crainte que le d\u00e9lai d\u2019intenter l\u2019action expire ?<\/u><\/strong><\/h2>\n\n\n\n

Si on r\u00e9clame la nullit\u00e9 d\u2019une clause du contrat,<\/strong> les tribunaux estiment que l\u2019action ne prescrit pas<\/strong> puisqu\u2019il s\u2019agit d\u2019une nullit\u00e9 absolue et de plein droit.<\/p>\n\n\n\n

Alors, que peut-on faire valoir pour r\u00e9clamer la nullit\u00e9 du contrat de la carte revolving ?<\/p>\n\n\n\n

La nullit\u00e9 du contrat peut d\u00e9couler de l\u2019application d\u2019un int\u00e9r\u00eat tr\u00e8s \u00e9lev\u00e9, mais aussi d\u2019un manque de transparence dans le contrat.<\/p>\n\n\n\n

Ceci dit, les juges ne se positionnent pas clairement sur la prescription lorsque l\u2019action de la <\/strong>restitution ou du remboursement des sommes est exerc\u00e9e de mani\u00e8re conjointe<\/strong>. C\u2019est pourquoi il n\u2019est pas clair que nous ayons tout le temps pour pouvoir r\u00e9clamer ou non.<\/p>\n\n\n\n

Certaines d\u00e9cisions des tribunaux provinciaux ou des tribunaux de premi\u00e8re instance estiment que les r\u00e9clamations des montants des cartes de cr\u00e9dit revolving prescrivent apr\u00e8s 5 ans.<\/p>\n\n\n\n

La Cour supr\u00eame ne s\u2019est pas encore prononc\u00e9e \u00e0 ce sujet.<\/p>\n\n\n\n

Pour interrompre les d\u00e9lais de prescription il sera important de savoir si la banque a \u00e9t\u00e9 notifi\u00e9e et requise par e-mail ou par lettre \u00e0 propos des cartes de cr\u00e9dit revolving.<\/p>\n\n\n\n

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Qu\u2019entend-on par int\u00e9r\u00eat usuraire ?<\/u><\/strong><\/h2>\n\n\n\n

On entend par int\u00e9r\u00eat usuraire celui qui est sensiblement sup\u00e9rieur au taux d\u2019int\u00e9r\u00eat normal de l\u2019argent.<\/p>\n\n\n\n

Mais, appliqu\u00e9 au cas particulier, comment savoir si l\u2019int\u00e9r\u00eat de ma carte revolving est usuraire ou non ?<\/p>\n\n\n\n

Primo :<\/strong> il faut savoir quel est le taux d\u2019int\u00e9r\u00eat normal de ce type de cartes. Le taux d\u2019int\u00e9r\u00eat qui est consid\u00e9r\u00e9 normal pour les cartes de cr\u00e9dit revolving est celui qui a \u00e9t\u00e9 publi\u00e9 par la Banque d\u2019Espagne.<\/a> C\u2019est le d\u00e9nomm\u00e9 Taux Effectif \u00e0 D\u00e9finition Restreinte (ci-apr\u00e8s, TEDR).<\/p>\n\n\n\n

Secundo : <\/strong>il s\u2019agit d\u2019un taux d\u2019int\u00e9r\u00eat usuraire s\u2019il est sup\u00e9rieur \u00e0 celui-l\u00e0<\/strong>. La question cl\u00e9 est de savoir \u00e0 quel point le taux d\u2019int\u00e9r\u00eat qui nous est appliqu\u00e9 doit \u00eatre sup\u00e9rieur par rapport au taux d\u2019int\u00e9r\u00eat normal pour d\u00e9terminer s\u2019il est usuraire ou non<\/strong>. Certains auteurs l\u2019ont fix\u00e9 en deux points. C\u2019est une question sujette \u00e0 interpr\u00e9tation, bien que la Cour supr\u00eame ait \u00e9tabli quelques crit\u00e8res.<\/p>\n\n\n\n

<\/p>\n\n\n\n

L’int\u00e9r\u00eat TEDR a \u00e9t\u00e9 publi\u00e9 en 2010. Que se passe-t-il si mon contrat de carte revolving est ant\u00e9rieur \u00e0 cette date ?<\/u><\/strong><\/h2>\n\n\n\n

La Cour supr\u00eame, dans son arr\u00eat de 2020, n\u2019a pas indiqu\u00e9 \u00e0 quels taux d\u2019int\u00e9r\u00eat les cartes contract\u00e9es avant juin 2010 devaient \u00eatre compar\u00e9es, dans le but de savoir si le taux applicable est usuraire ou non. Actuellement, les cours provinciales n\u2019ont pas de crit\u00e8res uniformes pour pouvoir appr\u00e9cier l\u2019usure dans ces cr\u00e9dits. Cela entra\u00eene une plus grande ins\u00e9curit\u00e9 juridique pour les usagers et les consommateurs.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Conclusions<\/u><\/strong><\/h2>\n\n\n\n

L\u2019information fournie dans cet article ne pr\u00e9tend pas \u00eatre un conseil l\u00e9gal, il transmet simplement des renseignements d\u2019ordre g\u00e9n\u00e9ral sur des questions juridiques.<\/a><\/p>\n\n\n\n

Nous avons essay\u00e9 de condenser et d\u2019expliquer des informations complexes et d\u00e9licates. Si votre cas a \u00e9galement un rapport avec les cartes de cr\u00e9dit revolving, chez White and Baos nous vous proposons une \u00e9tude d\u00e9taill\u00e9e et personnalis\u00e9e, afin de d\u00e9finir la meilleure strat\u00e9gie de r\u00e9clamation et comment l\u2019aborder.  Contactez-nous.<\/p>\n\n\n\n

Carlos Baos (Avocat)<\/p>\n\n\n\n

White & Baos.<\/p>\n\n\n\n

T\u00e9l : +34 966 426 185<\/p>\n\n\n\n

E-mail: info@white-baos.com<\/a><\/p>\n\n\n\n

White & Baos 2022 \u2013 Tous les droits r\u00e9serv\u00e9s.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Vous pourriez \u00eatre int\u00e9ress\u00e9 par les services et les articles suivants<\/u> :<\/strong><\/h4>\n\n\n\n

<\/p>\n\n\n\n

Cartes de cr\u00e9dit revolving. Nullit\u00e9. Int\u00e9r\u00eats abusifs. Comment r\u00e9clamer.<\/a><\/p>\n\n\n\n

R\u00e9clamations contre les banques. Le swap hypoth\u00e9caire ou l\u2019\u00e9change financier des taux d\u2019int\u00e9r\u00eats. Nouveau succ\u00e8s judiciaire contre une institution financi\u00e8re<\/a><\/p>\n\n\n\n

Droit bancaire espagnol. Recours contre des \u00e9tablissements bancaires pour la vente de participations pr\u00e9f\u00e9rentielles et de produits financiers complexes.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Cartes de cr\u00e9dit revolving. Avocats sp\u00e9cialistes en droit bancaire. Prescription de la r\u00e9clamation, nullit\u00e9 et manque de transparence. Jurisprudence actuelle […]<\/p>\n

Lire la suite…<\/a><\/p>\n","protected":false},"author":2,"featured_media":11869,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[517,3],"tags":[],"class_list":["post-11879","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-droit-bancaire-espagnol-recours-contre-des-etablissements-bancaires-pour-la-vente-de-participations-preferentielles-et-de-produits-financiers-complexes","category-non-classifiee"],"yoast_head":"\nCartes de cr\u00e9dit revolving. R\u00e9clamation, manque de transparence et usure.<\/title>\n<meta name=\"description\" content=\"Cartes de cr\u00e9dit revolving. Avocats sp\u00e9cialistes en droit bancaire. Prescription de la r\u00e9clamation, nullit\u00e9. 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