{"id":9736,"date":"2019-03-25T00:00:00","date_gmt":"2019-03-25T00:00:00","guid":{"rendered":"https:\/\/abeille-preprod.eliott-markus.cloud\/pas-information-caution-pas-interet\/"},"modified":"2019-03-25T00:00:00","modified_gmt":"2019-03-25T00:00:00","slug":"pas-information-caution-pas-interet","status":"publish","type":"post","link":"https:\/\/abeille.law\/en\/pas-information-caution-pas-interet\/","title":{"rendered":"Pas d\u2019information de la caution, pas d\u2019int\u00e9r\u00eats \u00e0 payer !"},"content":{"rendered":"<p>Tr\u00e8s souvent, le dirigeant d\u2019une soci\u00e9t\u00e9 est amen\u00e9 \u00e0 se <strong>porter caution<\/strong> pour elle en contrepartie de l\u2019<strong>octroi d\u2019un cr\u00e9dit ou d\u2019un d\u00e9couvert bancaire<\/strong>. Il prend ainsi l\u2019engagement d\u2019honorer personnellement les \u00e9ch\u00e9ances de pr\u00eat de sa <a title=\"cabinet Abeille | Droit des affaires et soci\u00e9t\u00e9s\" href=\"fr\/domaines-competences\/droit-affaires-contrats-societe\">soci\u00e9t\u00e9<\/a> au cas o\u00f9 elle serait d\u00e9faillante, c\u2019est-\u00e0-dire dans l\u2019hypoth\u00e8se o\u00f9 elle serait plac\u00e9e en redressement ou en liquidation judiciaires.<\/p>\n<p>\u00c0 ce titre, le banquier est astreint \u00e0 une obligation d\u2019information \u00e0 l\u2019\u00e9gard du dirigeant caution. Ainsi, il est tenu, chaque ann\u00e9e avant le 31\u00a0mars\u00a0:<\/p>\n<ul>\n<li>De lui communiquer le montant de la dette garantie et des int\u00e9r\u00eats, frais et accessoires restant \u00e0 courir au 31\u00a0d\u00e9cembre de l\u2019ann\u00e9e pr\u00e9c\u00e9dente\u00a0;<\/li>\n<li>De lui rappeler le terme de son engagement de caution ou, si cet engagement est \u00e0 dur\u00e9e ind\u00e9termin\u00e9e, la facult\u00e9 dont il dispose de le r\u00e9voquer \u00e0 tout moment, ainsi que les modalit\u00e9s d\u2019exercice de cette r\u00e9vocation.<\/li>\n<\/ul>\n<p>Et bon \u00e0 savoir, s\u2019il omet de communiquer ces informations au dirigeant caution, le banquier perd le droit de lui r\u00e9clamer les int\u00e9r\u00eats \u00e9chus depuis la pr\u00e9c\u00e9dente information jusqu\u2019\u00e0 la suivante. Le dirigeant tient donc l\u00e0 un moyen de limiter les sommes qu\u2019il aura \u00e9ventuellement \u00e0 payer un jour.<\/p>\n<p>Cette sanction a \u00e9t\u00e9 appliqu\u00e9e par les juges dans une affaire r\u00e9cente. En revanche, ils ont pr\u00e9cis\u00e9 que si la caution n\u2019a pas \u00e0 payer ces int\u00e9r\u00eats, elle n\u2019est pas d\u00e9charg\u00e9e de son obligation de payer les autres sommes dues en vertu du cautionnement, en l\u2019occurrence l\u2019indemnit\u00e9 de remboursement anticip\u00e9 pr\u00e9vue dans le contrat de pr\u00eat.<\/p>\n<p>Pour plus d&#8217;informations, n&#8217;h\u00e9sitez pas \u00e0 consulter l&#8217;<a title=\"Arr\u00eat n\u00b017-21571\" href=\"https:\/\/www.legifrance.gouv.fr\/affichJuriJudi.do?oldAction=rechJuriJudi&#038;idTexte=JURITEXT000038238707&#038;fastReqId=667231894&#038;fastPos=1\" target=\"_blank\" rel=\"noopener\">arr\u00eat de la Cour de\u00a0Cassation commerciale n\u00b017-21571<\/a>, du 6\u00a0mars\u00a02019.<\/p>\n<p><span style=\"font-size: 8pt;\"><cite class=\"reference\">Article publi\u00e9 le\u00a0<time>25 mars 2019<\/time>\u00a0&#8211;\u00a0\u00a9\u00a0\u00a0Les Echos Publishing\u00a0&#8211;\u00a02019<\/cite><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lorsque le dirigeant qui s&rsquo;est port&eacute; caution pour sa soci&eacute;t&eacute; n&rsquo;a pas &eacute;t&eacute; inform&eacute; par la banque du montant des sommes que cette derni&egrave;re reste &agrave; devoir, il n&rsquo;a pas &agrave; payer les int&eacute;r&ecirc;ts &eacute;chus depuis la pr&eacute;c&eacute;dente information jusqu&rsquo;&agrave; la date d&rsquo;une nouvelle information.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[190],"tags":[],"class_list":["post-9736","post","type-post","status-publish","format-standard","hentry","category-juridiques"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pas d\u2019information de la caution, pas d\u2019int\u00e9r\u00eats \u00e0 payer ! | Abeille Avocats<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/abeille.law\/pas-information-caution-pas-interet\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pas d\u2019information de la caution, pas d\u2019int\u00e9r\u00eats \u00e0 payer ! | Abeille Avocats\" \/>\n<meta property=\"og:description\" content=\"Lorsque le dirigeant qui s&rsquo;est port&eacute; caution pour sa soci&eacute;t&eacute; n&rsquo;a pas &eacute;t&eacute; inform&eacute; par la banque du montant des sommes que cette derni&egrave;re reste &agrave; devoir, il n&rsquo;a pas &agrave; payer les int&eacute;r&ecirc;ts &eacute;chus depuis la pr&eacute;c&eacute;dente information jusqu&rsquo;&agrave; la date d&rsquo;une nouvelle information.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/abeille.law\/pas-information-caution-pas-interet\/\" \/>\n<meta property=\"og:site_name\" content=\"Abeille Avocats\" \/>\n<meta property=\"article:published_time\" content=\"2019-03-25T00:00:00+00:00\" \/>\n<meta name=\"author\" content=\"abeille\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"abeille\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/abeille.law\/pas-information-caution-pas-interet\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/abeille.law\/pas-information-caution-pas-interet\/\"},\"author\":{\"name\":\"abeille\",\"@id\":\"https:\/\/abeille.law\/#\/schema\/person\/e4542ce115cbaffa18678384edb2ff3a\"},\"headline\":\"Pas d\u2019information de la caution, pas d\u2019int\u00e9r\u00eats \u00e0 payer !\",\"datePublished\":\"2019-03-25T00:00:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/abeille.law\/pas-information-caution-pas-interet\/\"},\"wordCount\":335,\"commentCount\":0,\"articleSection\":[\"Juridiques\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/abeille.law\/pas-information-caution-pas-interet\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/abeille.law\/pas-information-caution-pas-interet\/\",\"url\":\"https:\/\/abeille.law\/pas-information-caution-pas-interet\/\",\"name\":\"Pas d\u2019information de la caution, pas d\u2019int\u00e9r\u00eats \u00e0 payer ! 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