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C’est l’histoire d’un couple qui ne peut plus rembourser son crédit immobilier…

c’est-l’histoire-d’un-couple-qui-ne-peut-plus-rembourser-son-credit-immobilier…

C’est l’histoire d’un couple qui ne peut plus rembourser son crédit immobilier…

C’est l’histoire d’un couple qui ne peut plus rembourser son crédit immobilier… 600 400 admin

Parce qu’un couple ne rembourse plus son crédit immobilier, sa banque le met en demeure de payer, mais en vain. Elle met donc fin au contrat de prêt, exige le remboursement immédiat du solde et, pour cela, réclame la vente forcée des biens immobiliers du couple. Mais la banque est allée trop vite, selon le couple… 

« Faux ! », conteste la banque : elle rappelle que le contrat de crédit immobilier signé par le couple prévoit sa résiliation de plein droit 8 jours après une mise en demeure de payer restée infructueuse, envoyée par lettre recommandée avec AR ou par acte extrajudiciaire. Procédure qu’elle a scrupuleusement respectée, rappelle la banque ! « Peu importe ! », réplique le couple : pour lui, le délai de préavis de 8 jours pour rembourser la banque n’est pas un délai raisonnable…

Ce délai crée même un déséquilibre significatif avec la banque au détriment du couple ainsi exposé à une aggravation soudaine des conditions de remboursement, constate le juge… qui donne raison au couple !
 

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