{"id":236,"date":"2026-02-19T14:27:46","date_gmt":"2026-02-19T13:27:46","guid":{"rendered":"https:\/\/perrault-avocat.fr\/?page_id=236"},"modified":"2026-02-19T15:19:12","modified_gmt":"2026-02-19T14:19:12","slug":"actualites-faq","status":"publish","type":"page","link":"https:\/\/perrault-avocat.fr\/index.php\/actualites-faq\/","title":{"rendered":"Actualit\u00e9s \/ FAQ"},"content":{"rendered":"\t\t
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ACTUALITES<\/span><\/strong><\/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

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Op\u00e9ration de paiement non autoris\u00e9e :<\/strong> Cour de cassation, civile, Chambre commerciale, 4 f\u00e9vrier 2026, 22-22.609<\/span><\/p>

M. et Mme X, titulaires d’un compte de d\u00e9p\u00f4t ouvert dans les livres de la caisse r\u00e9gionale de Cr\u00e9dit agricole Nord-Midi-Pyr\u00e9n\u00e9es (la banque), ont signal\u00e9 \u00e0 la Gendarmerie nationale le caract\u00e8re inexpliqu\u00e9 de quatre d\u00e9bits enregistr\u00e9s sur leur compte entre le 19 juin 2018 et le 8 ao\u00fbt 2018 par l’interm\u00e9diaire de leur carte de paiement, apr\u00e8s activation d’un code 3D Secure.<\/p>

La banque refusant de rembourser les sommes ainsi d\u00e9bit\u00e9es, M. et Mme X l’ont assign\u00e9e le 4 juin 2020.<\/p>

La Cour de Cassation rappelle qu’il\u00a0r\u00e9sulte des articles L. 133-18 et L. 133-24 du code mon\u00e9taire et financier que, pour obtenir le remboursement imm\u00e9diat d’une op\u00e9ration de paiement non autoris\u00e9e, l’utilisateur doit l’avoir signal\u00e9e sans tarder \u00e0 son prestataire de service de paiement \u00e0 compter du moment o\u00f9 il en a eu connaissance et, au plus tard, dans le d\u00e9lai de treize mois \u00e0 compter du d\u00e9bit.<\/p>

Elle rel\u00e8ve que M. et Mme X ne justifiaient pas de la date \u00e0 laquelle ils avaient signal\u00e9 \u00e0 la banque une utilisation frauduleuse de leur carte bancaire et consid\u00e8re que la Cour d’Appel a l\u00e9galement justifi\u00e9 sa d\u00e9cision de rejeter leur demande de remboursement.<\/p>

Sources : https:\/\/www.legifrance.gouv.fr\/juri\/id\/JURITEXT000053452196?isSuggest=true<\/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

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FAQ<\/span><\/strong><\/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

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tComment se d\u00e9roule un divorce par consentement mutuel sans juge?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

\"\"<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tComment se d\u00e9roule un divorce devant le juge aux affaires familiales ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

\"\"<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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ARTICLES DE PRESSE<\/span><\/strong><\/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

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https:\/\/www.lanouvellerepublique.fr\/indre-et-loire\/commune\/langeais\/denis-s-educateur-de-46-ans-visage-des-soupcons-de-violences-sexuelles-pesant-sur-l-association-montjoie-1769448168<\/a><\/p>

https:\/\/www.lanouvellerepublique.fr\/indre-et-loire\/soupcons-de-violences-sexuelles-dans-un-foyer-pres-de-tours-9-ans-de-prison-pour-l-ex-educateur-1769701811<\/a><\/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":"

ACTUALITES Op\u00e9ration de paiement non autoris\u00e9e : Cour de cassation, civile, Chambre commerciale, 4 f\u00e9vrier 2026, 22-22.609 M. et Mme X, titulaires d’un compte de d\u00e9p\u00f4t ouvert dans les livres de la caisse r\u00e9gionale de Cr\u00e9dit agricole Nord-Midi-Pyr\u00e9n\u00e9es (la banque), ont signal\u00e9 \u00e0 la Gendarmerie nationale le caract\u00e8re inexpliqu\u00e9 de quatre d\u00e9bits enregistr\u00e9s sur leur […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","footnotes":""},"class_list":["post-236","page","type-page","status-publish","hentry","entry"],"yoast_head":"\nActualit\u00e9s \/ FAQ - 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