{"id":10150,"date":"2018-08-12T14:23:46","date_gmt":"2018-08-12T14:23:46","guid":{"rendered":"https:\/\/martinezcaballeroabogados.com\/conditions-inequitables-dans-les-prets-en-ligne\/"},"modified":"2026-03-06T10:52:51","modified_gmt":"2026-03-06T10:52:51","slug":"conditions-inequitables-dans-les-prets-en-ligne","status":"publish","type":"post","link":"https:\/\/martinezcaballeroabogados.com\/fr\/conditions-inequitables-dans-les-prets-en-ligne\/","title":{"rendered":"Conditions in\u00e9quitables dans les pr\u00eats en ligne"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10150\" class=\"elementor elementor-10150 elementor-153\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d05ed34 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d05ed34\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6877af21 sc_inner_width_none sc_layouts_column_icons_position_left\" data-id=\"6877af21\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-72a7b6e8 sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"72a7b6e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4><strong>Clauses abusives dans les pr\u00eats Internet<\/strong><\/h4><p data-start=\"923\" data-end=\"1336\">Ces derni\u00e8res ann\u00e9es, la souscription de pr\u00eats rapides sur l&rsquo;internet est devenue extr\u00eamement populaire. Ces produits sont annonc\u00e9s par des messages tels que \u00ab\u00a0argent imm\u00e9diat\u00a0\u00bb, \u00ab\u00a0jusqu&rsquo;\u00e0 300 euros en quelques minutes\u00a0\u00bb ou \u00ab\u00a0pas de paperasserie ni de garants\u00a0\u00bb. Ces types de pr\u00eats, commun\u00e9ment appel\u00e9s <strong data-start=\"1199\" data-end=\"1243\">microcr\u00e9dits ou pr\u00eats rapides en ligne<\/strong>, sont devenus une alternative pour de nombreuses personnes ayant besoin de liquidit\u00e9s imm\u00e9diates.  <\/p><p data-start=\"1338\" data-end=\"1560\">Cependant, la facilit\u00e9 et la rapidit\u00e9 avec lesquelles ces pr\u00eats sont accord\u00e9s s&rsquo;accompagnent souvent de conditions financi\u00e8res tr\u00e8s \u00e9lev\u00e9es et, dans de nombreux cas, de clauses qui peuvent \u00eatre consid\u00e9r\u00e9es comme abusives pour les consommateurs.<\/p><p data-start=\"1562\" data-end=\"1924\">\u00c0 plusieurs reprises, les organismes de protection des consommateurs ont mis en garde contre les pratiques de certaines entreprises op\u00e9rant dans le secteur du pr\u00eat rapide sur internet. Il s&rsquo;agit notamment de taux d&rsquo;int\u00e9r\u00eat extr\u00eamement \u00e9lev\u00e9s, de p\u00e9nalit\u00e9s disproportionn\u00e9es en cas de retard de paiement ou de conditions contractuelles peu claires pour le consommateur. <\/p><p data-start=\"1926\" data-end=\"2325\">Dans certains cas, des pr\u00eats ont \u00e9t\u00e9 d\u00e9tect\u00e9s avec des taux d&rsquo;int\u00e9r\u00eat <strong data-start=\"1974\" data-end=\"2040\">atteignant des chiffres extraordinairement \u00e9lev\u00e9s<\/strong>, voire avec des TAEG pouvant d\u00e9passer plusieurs milliers de pour cent. Les entreprises qui proposent ces produits justifient souvent ces conditions en invoquant le risque \u00e9lev\u00e9 des transactions, puisqu&rsquo;elles sont accord\u00e9es en quelques heures, sans garantie et avec tr\u00e8s peu d&rsquo;exigences pour le demandeur. <\/p><p data-start=\"2327\" data-end=\"2602\">Toutefois, le fait que le pr\u00eat soit accord\u00e9 rapidement ou sans garantie ne signifie pas qu&rsquo;une condition contractuelle est valable. La loi espagnole prot\u00e8ge les consommateurs contre les clauses abusives et contre les contrats pouvant \u00eatre consid\u00e9r\u00e9s comme usuraires. <\/p><p data-start=\"2604\" data-end=\"2884\">En ce sens, la l\u00e9gislation relative \u00e0 la protection des consommateurs \u00e9tablit que les clauses abusives sont celles qui cr\u00e9ent un <strong data-start=\"2727\" data-end=\"2831\">d\u00e9s\u00e9quilibre significatif entre les droits et obligations des parties au d\u00e9triment du consommateur<\/strong>. Ces situations sont principalement r\u00e9glement\u00e9es dans la <\/p><p data-start=\"2886\" data-end=\"2924\"><span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Texto Refundido de la Ley General para la Defensa de los Consumidores y Usuarios (Texte r\u00e9vis\u00e9 de la loi g\u00e9n\u00e9rale pour la d\u00e9fense des consommateurs et des utilisateurs).<\/span><\/span>.<\/p><p data-start=\"2926\" data-end=\"3154\">En outre, lorsque les int\u00e9r\u00eats per\u00e7us sur un pr\u00eat sont excessivement \u00e9lev\u00e9s, le contrat peut \u00eatre consid\u00e9r\u00e9 comme <strong data-start=\"3048\" data-end=\"3060\">usuraire<\/strong>, ce qui permet d&rsquo;en demander la nullit\u00e9. Ce type de situation est analys\u00e9 conform\u00e9ment \u00e0 la loi sur l&rsquo;insolvabilit\u00e9. <\/p><h4 data-start=\"3156\" data-end=\"3194\"><span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Loi sur la r\u00e9pression de l&rsquo;usure<\/span><\/span>.<\/h4><p data-start=\"3196\" data-end=\"3435\">Ces derni\u00e8res ann\u00e9es, les tribunaux espagnols ont analys\u00e9 de nombreuses affaires li\u00e9es aux pr\u00eats rapides et aux microcr\u00e9dits, en \u00e9valuant si les taux d&rsquo;int\u00e9r\u00eat appliqu\u00e9s \u00e9taient disproportionn\u00e9s par rapport au march\u00e9. Dans plusieurs d\u00e9cisions, la <\/p><h4 data-start=\"3437\" data-end=\"3476\"><span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Cour supr\u00eame<\/span><\/span><\/h4><p data-start=\"3478\" data-end=\"3631\">a confirm\u00e9 que certains taux d&rsquo;int\u00e9r\u00eat peuvent \u00eatre consid\u00e9r\u00e9s comme usuraires lorsqu&rsquo;ils sont significativement plus \u00e9lev\u00e9s que les taux habituels pour des transactions similaires.<\/p><p data-start=\"3633\" data-end=\"3815\">Lorsqu&rsquo;un pr\u00eat est d\u00e9clar\u00e9 usuraire, le contrat peut \u00eatre annul\u00e9 et le consommateur n&rsquo;est tenu de rembourser que le capital re\u00e7u, sans avoir \u00e0 payer d&rsquo;int\u00e9r\u00eats.<\/p><p data-start=\"3817\" data-end=\"4063\">Par cons\u00e9quent, avant de contracter un pr\u00eat rapide en ligne, il est important de lire attentivement les conditions du contrat, de v\u00e9rifier le taux d&rsquo;int\u00e9r\u00eat appliqu\u00e9 et d&rsquo;\u00e9valuer si d&rsquo;\u00e9ventuelles p\u00e9nalit\u00e9s ou frais sont disproportionn\u00e9s.<\/p><p data-start=\"4065\" data-end=\"4308\">En cas de doute ou si un pr\u00eat est consid\u00e9r\u00e9 comme contenant des clauses abusives ou des int\u00e9r\u00eats excessifs, il est conseill\u00e9 d&rsquo;analyser le contrat avec un professionnel afin d&rsquo;\u00e9valuer s&rsquo;il est possible de r\u00e9clamer ou de demander la nullit\u00e9 du contrat.<\/p><p><strong>Diana Caballero Aguirre<\/strong><br>Associ\u00e9e fondatrice de Mart\u00ednez Caballero Abogados<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Les \u00ab\u00a0clauses plancher\u00a0\u00bb ont pos\u00e9 de nombreux probl\u00e8mes. Elles ont profit\u00e9 \u00e0 des milliers de banques au d\u00e9triment des citoyens qui, humblement et avec beaucoup d&rsquo;enthousiasme, se rendaient dans une banque afin d&rsquo;obtenir un pr\u00eat.<\/p>\n","protected":false},"author":1,"featured_media":7426,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_joinchat":[],"footnotes":""},"categories":[396,444],"tags":[431,440],"class_list":["post-10150","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites-et-affaires-courantes","category-cas","tag-articles-fr","tag-nouvelles"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Conditions abusives dans les pr\u00eats en ligne : quand 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