{"id":6937,"date":"2020-02-20T17:31:54","date_gmt":"2020-02-20T17:31:54","guid":{"rendered":"https:\/\/www.white-baos.com\/nullite-des-assurances-vie-imposees-par-les-banques-aux-clients-qui-demandaient-un-pret-hypothecaire-en-espagne-reclamer-le-remboursement-de-ce-qui-a-ete-paye\/"},"modified":"2024-03-20T17:40:08","modified_gmt":"2024-03-20T16:40:08","slug":"nullite-des-assurances-vie-imposees-par-les-banques-aux-clients-qui-demandaient-un-pret-hypothecaire-en-espagne-reclamer-le-remboursement-de-ce-qui-a-ete-paye","status":"publish","type":"post","link":"https:\/\/www.white-baos.com\/fr\/nullite-des-assurances-vie-imposees-par-les-banques-aux-clients-qui-demandaient-un-pret-hypothecaire-en-espagne-reclamer-le-remboursement-de-ce-qui-a-ete-paye\/","title":{"rendered":"Nullit\u00e9 des assurances vie impos\u00e9es par les banques aux clients qui demandaient un pr\u00eat hypoth\u00e9caire en Espagne. R\u00e9clamer le remboursement de ce qui a \u00e9t\u00e9 pay\u00e9."},"content":{"rendered":"<p style=\"text-align: justify;\">Lors de l\u2019octroi du pr\u00eat hypoth\u00e9caire, de nombreuses banques ont oblig\u00e9 leurs clients \u00e0 souscrire des assurances pour couvrir les \u00e9ch\u00e9ances du pr\u00eat en cas de d\u00e9c\u00e8s. <strong>Beaucoup de ces assurances ont \u00e9t\u00e9 pay\u00e9es dans la totalit\u00e9 (en une seule prime) et \u00e0 l\u2019avance, au moment de la signature du pr\u00eat hypoth\u00e9caire, et parfois elles ont m\u00eame \u00e9t\u00e9 pay\u00e9es avec l\u2019argent de l\u2019hypoth\u00e8que. Nous parlons de la nullit\u00e9 des assurances vie impos\u00e9es.<\/strong><\/p>\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\">Bien qu\u2019en principe on ne puisse pas dire que toutes ces assurances soient abusives ou ill\u00e9gales, la mani\u00e8re dont elles ont \u00e9t\u00e9 commercialis\u00e9es, leur imposition et le manque d\u2019information, peuvent, dans de nombreux cas, <strong>permettre au client de les annuler et d\u2019exiger le remboursement de l\u2019argent vers\u00e9.<\/strong><\/p>\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\">La Direction G\u00e9n\u00e9rale des Assurances a elle-m\u00eame indiqu\u00e9 que l\u2019imposition de la part des assureurs d\u2019assurances \u00e0 prime unique est inad\u00e9quate et contraire aux bonnes pratiques et usages dans le secteur des assurances <strong>\u00a0priv\u00e9es<\/strong><em>.<\/em><\/p>\n<p style=\"text-align: justify;\"><em>Parfois, les banques espagnoles argumentent qu\u2019elles n\u2019en sont pas responsables, qu\u2019il faut se tourner vers les compagnies d\u2019assurances avec lesquelles on a souscrit le contrat, mais \u00e0 vrai dire, normalement les assureurs appartiennent au groupe d\u2019entreprises de la banque ou bien c\u2019est la banque elle-m\u00eame qui a agi en qualit\u00e9 d\u2019agent ou de vendeur.<\/em><\/p>\n<p style=\"text-align: justify;\"><em>Les raisons pour lesquelles ces contrats, ou leur co\u00fbt, peuvent \u00eatre consid\u00e9r\u00e9s abusifs et non transparents, sont qu\u2019habituellement l\u2019information que la banque fournit est tr\u00e8s rare, que le client n\u2019est pas inform\u00e9 des autres possibilit\u00e9s de souscription, ni du calcul de rachat, qu\u2019il ne peut rien n\u00e9gocier, etc.<\/em><\/p>\n<h3 style=\"text-align: justify;\"><strong>D\u00e9cisions de justice concernant : ces assurances vie.<\/strong><\/h3>\n<p style=\"text-align: justify;\"><strong>De nombreux tribunaux r\u00e9gionaux ont statu\u00e9 \u00e0 cet \u00e9gard. Nous pouvons souligner les jugements suivants:<\/strong><\/p>\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\"><strong>.- Jugement de la <\/strong><strong>Cour provinciale d\u2019Ourense, num\u00e9ro 417\/2019: <\/strong>le tribunal estime que les frais et les conditions de l\u2019assurance vie li\u00e9e au pr\u00eat, n\u2019apparaissent pas dans l\u2019offre ferme, ni dans l\u2019acte hypoth\u00e9caire lui-m\u00eame, ne sont pas d\u00e9termin\u00e9s dans le co\u00fbt total du pr\u00eat, etc. Par cons\u00e9quent, puisqu\u2019on ne peut pas contr\u00f4ler son texte ou sa transparence et qu\u2019il n\u2019y a aucune information, il d\u00e9clare sa nullit\u00e9 et oblige la banque \u00e0 rembourser une partie du montant pay\u00e9 (en d\u00e9duisant la partie proportionnelle de la p\u00e9riode d\u00e9j\u00e0 \u00e9coul\u00e9e).<\/p>\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\">.-<strong> Jugement de la <\/strong><strong>Cour provinciale de Pontevedra, num\u00e9ro 491\/2019: <\/strong>le tribunal indique qu\u2019il y a eu un manque absolu d\u2019information et que le client n\u2019a jamais pu n\u00e9gocier les conditions impos\u00e9es par la banque qui apparaissait en plus en tant que preneur de l\u2019assurance et b\u00e9n\u00e9ficiaire. De plus, la banque avait impos\u00e9 la souscription d\u2019une prime unique anticip\u00e9e pr\u00e9d\u00e9termin\u00e9e sans informer le client d\u2019autres possibles options. Et, l\u2019acte de pr\u00eat hypoth\u00e9caire ne disait rien sur l\u2019assurance, \u00e0 l\u2019exception du paiement de la prime sur le capital du pr\u00eat (manque d\u2019information et de transparence).<\/p>\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\">Mais la jurisprudence n\u2019est pas unanime,\u00a0 par rapport ces assurances vie. Car il y a des jugements comme celui de la <strong>Cour provinciale d\u2019Albacete, num\u00e9ro 308\/2019, <\/strong>qui consid\u00e8re que souscrire une assurance vie est un contrat ind\u00e9pendant du pr\u00eat et que le paiement de sa prime unique anticip\u00e9e est la preuve de la connaissance du co\u00fbt du pr\u00eat, etc.<\/p>\n<p style=\"text-align: justify;\"><strong>\u00a0<\/strong><\/p>\n<h3 style=\"text-align: justify;\"><strong>Contactez Nous<\/strong><\/h3>\n<p style=\"text-align: justify;\"><strong>Si vous avez \u00e9t\u00e9 oblig\u00e9 par votre banque de souscrire une assurance vie hypoth\u00e9caire et vous envisagez la possibilit\u00e9 de la r\u00e9silier, <span style=\"text-decoration: underline;\">contactez notre cabinet d\u2019avocats et nous vous aiderons.<\/span><\/strong><\/p>\n<p style=\"text-align: justify;\">L\u2019information fournie dans cet article ne vise pas \u00e0 donner des conseils l\u00e9gaux, mais simplement \u00e0 transmettre des renseignements li\u00e9s \u00e0 des questions juridiques.<\/p>\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\">Carlos Baos (Avocat)<\/p>\n<p style=\"text-align: justify;\">White &amp; Baos<\/p>\n<p style=\"text-align: justify;\">T\u00e9l: +34 966 426 185<\/p>\n<p style=\"text-align: justify;\"><a href=\"mailto:info@white-baos.com\">E-mail: info@white-baos.com<\/a><\/p>\n<p style=\"text-align: justify;\">White &amp; Baos 2020 \u2013 Tous droits r\u00e9serv\u00e9s.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>assurances vie [&#8230;]<\/p>\n<p><a class=\"btn btn-primary understrap-read-more-link\" href=\"https:\/\/www.white-baos.com\/fr\/nullite-des-assurances-vie-imposees-par-les-banques-aux-clients-qui-demandaient-un-pret-hypothecaire-en-espagne-reclamer-le-remboursement-de-ce-qui-a-ete-paye\/\">Lire la suite&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":162,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[517,488],"tags":[1624],"class_list":["post-6937","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-judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc","tag-assurances-vie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurances vie impos\u00e9es par les banques. 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