Le contentieux bancaire se produit pour diverses raisons, notamment en matière de crédit. Un examen minutieux du contrat de crédit est alors effectué. Il arrive qu’une erreur du TEG (Taux effectif global) se produise dans les calculs d’intérêts, ce qui provoque un montant excessif à rembourser par le consommateur.
Le cautionnement de l’emprunt peut aussi devenir source de contentieux : la nullité de caution est évoquée lorsque l’engagement de la caution n’a pas respecté les formes (manuscrite, un ordre précis des propos rédigés…). La caution doit être solvable par rapport au montant pour lequel elle s’engage.
Dans tous les cas, la responsabilité de la banque est engagée lorsque la caution est nulle ou que le consommateur ne peut rembourser décemment l’emprunt souscrit.
Le refus de crédit ou la rupture abusive de crédit constituent également des sources de contentieux bancaire.
Pour toutes vos questions, n’hésitez pas à contacter votre avocat en contentieux bancaire à Aix en Provence, Maître Polintchev.
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