{"id":5505,"date":"2024-10-08T14:28:12","date_gmt":"2024-10-08T14:28:12","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&#038;p=5505"},"modified":"2025-11-14T14:43:30","modified_gmt":"2025-11-14T14:43:30","slug":"le-defaut-de-paiement-dun-pret-relais-lexecution-par-le-preteur-et-les-options-qui-soffrent-a-vous","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/le-defaut-de-paiement-dun-pret-relais-lexecution-par-le-preteur-et-les-options-qui-soffrent-a-vous\/","title":{"rendered":"D\u00e9fauts de paiement des pr\u00eats relais : L'ex\u00e9cution par le pr\u00eateur et les options qui s'offrent \u00e0 vous"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Cet article examine certains facteurs cl\u00e9s qu'un pr\u00eateur de cr\u00e9dit relais peut prendre en compte lorsqu'il d\u00e9cide de faire valoir sa garantie, ainsi que les principales m\u00e9thodes d'ex\u00e9cution dont disposent les pr\u00eateurs.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><em>\u00c9l\u00e9ments \u00e0 prendre en compte par un pr\u00eateur relais au moment de d\u00e9cider s'il convient de faire valoir sa garantie<\/em><\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. L'emprunteur est-il en d\u00e9faut de paiement ?<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si tel est le cas, cette infraction est-elle suffisamment grave pour justifier une mesure coercitive, ou existe-t-il d'autres solutions qu'il conviendrait d'\u00e9tudier en premier lieu ?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2.<\/strong> <strong>Quelle est la situation financi\u00e8re de l'emprunteur ?<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Can the borrower realistically repay the loan within a reasonable period? Is there evidence to support this, such as an imminent <a href=\"https:\/\/rfblegal.co.uk\/fr\/services\/droit-des-affaires\/contentieux-immobilier-affaires\/entreprises-occupantes\/\">propri\u00e9t\u00e9<\/a> sale or a <a href=\"https:\/\/rfblegal.co.uk\/fr\/services\/droit-des-personnes\/propriete-residentielle\/rehypotheque-refinancement-immobilier\/\">refinancing<\/a> arrangement?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Situation personnelle de l'emprunteur :<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'emprunteur a-t-il fait part au pr\u00eateur de circonstances personnelles susceptibles d'influencer la d\u00e9cision de ce dernier de proc\u00e9der \u00e0 une ex\u00e9cution forc\u00e9e ?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4.<\/strong> <strong><a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/un-testament-peut-il-annuler-mes-accords-anterieurs\/\">Will<\/a> the lender offer more time to repay?<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plut\u00f4t que de faire valoir sa garantie, le pr\u00eateur peut choisir de prolonger la dur\u00e9e du pr\u00eat ou d'accorder \u00e0 l'emprunteur un d\u00e9lai suppl\u00e9mentaire pour rembourser.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le recours \u00e0 des mesures coercitives en mati\u00e8re de s\u00e9curit\u00e9 constitue g\u00e9n\u00e9ralement le dernier recours d'un pr\u00eateur. En r\u00e8gle g\u00e9n\u00e9rale, celui-ci \u00e9puise toutes les autres options avant de d\u00e9cider de passer \u00e0 la phase coercitive.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5.<\/strong> <strong>De quel type de garantie le pr\u00eateur dispose-t-il ?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La valeur nette de l'actif donn\u00e9 en garantie est-elle suffisante pour couvrir le solde impay\u00e9 du pr\u00eat ?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le pr\u00eateur s'assurera \u00e9galement que la garantie est valide et qu'il dispose de droits de recouvrement bien d\u00e9finis.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><em>De quels droits d'ex\u00e9cution dispose un pr\u00eateur ?<\/em><\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un acte de s\u00fbret\u00e9 contient g\u00e9n\u00e9ralement des dispositions d\u00e9taill\u00e9es r\u00e9gissant les conditions et les modalit\u00e9s selon lesquelles un pr\u00eateur peut faire valoir sa s\u00fbret\u00e9. Les principales m\u00e9thodes de r\u00e9alisation sont les suivantes :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nomination d'un administrateur judiciaire&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nomination d'un administrateur&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vente des actifs grev\u00e9s d'une s\u00fbret\u00e9&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nomination d'un administrateur judiciaire&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prise de possession des actifs grev\u00e9s&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><em>Quand un pr\u00eateur peut-il faire valoir sa garantie ?<\/em><\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e8gle g\u00e9n\u00e9rale, un pr\u00eateur adresse une mise en demeure officielle avant de faire valoir sa garantie, m\u00eame s\u2019il n\u2019y est pas tenu. Cela permet d\u2019\u00e9viter tout litige concernant l\u2019existence d\u2019une obligation implicite de formuler une telle mise en demeure. Cette mise en demeure a pour effet de rendre les dettes garanties imm\u00e9diatement exigibles.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La plupart des actes de s\u00fbret\u00e9 pr\u00e9cisent que la s\u00fbret\u00e9 est opposable d\u00e8s qu'un cas de d\u00e9faillance s'est produit. Avant de proc\u00e9der \u00e0 l'ex\u00e9cution, le pr\u00eateur v\u00e9rifie g\u00e9n\u00e9ralement qu'un tel cas s'est bien produit.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><em>Nomination d'un administrateur judiciaire<\/em><\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un administrateur judiciaire est d\u00e9sign\u00e9 pour prendre le contr\u00f4le des actifs grev\u00e9s, g\u00e9n\u00e9ralement en vue de les vendre \u00e0 un tiers et d'utiliser le produit de la vente pour rembourser le pr\u00eateur. Un pr\u00eateur titulaire d'une s\u00fbret\u00e9 r\u00e9elle peut d\u00e9signer un administrateur judiciaire soit en vertu des dispositions du contrat de s\u00fbret\u00e9, soit en vertu de pouvoirs l\u00e9gaux, tels que ceux pr\u00e9vus par <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/Geo5\/15-16\/20\/section\/101\">article 101 de la loi de 1925 sur le droit immobilier (LPA 1925)<\/a>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pouvoirs l\u00e9gaux en vertu de la <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/Geo5\/15-16\/20\/contents\">LPA 1925<\/a> sont limit\u00e9es et n'incluent pas le pouvoir de vente ; c'est pourquoi l'acte de s\u00fbret\u00e9 \u00e9tend g\u00e9n\u00e9ralement ces pouvoirs. Un pr\u00eateur peut \u00e9galement saisir le tribunal pour demander la nomination d'un administrateur judiciaire.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><em>Nomination d'un administrateur<\/em><\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un titulaire de s\u00fbret\u00e9 flottante \u00e9ligible (c'est-\u00e0-dire une personne d\u00e9tenant une ou plusieurs s\u00fbret\u00e9s flottantes sur la plupart ou la totalit\u00e9 des actifs d'une soci\u00e9t\u00e9) peut nommer un administrateur. L'administrateur prend le contr\u00f4le des affaires de la soci\u00e9t\u00e9 \u00e0 la place de ses administrateurs.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La mise sous administration judiciaire permet de r\u00e9organiser ou de vendre les actifs de la soci\u00e9t\u00e9 dans l'int\u00e9r\u00eat des cr\u00e9anciers. D\u00e8s qu'une soci\u00e9t\u00e9 est plac\u00e9e sous administration judiciaire, un moratoire l\u00e9gal emp\u00eache les cr\u00e9anciers de faire valoir leurs cr\u00e9ances.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'un des inconv\u00e9nients pour les cr\u00e9anciers est qu'ils ne peuvent pas contr\u00f4ler directement l'administrateur, celui-ci \u00e9tant tenu d'agir dans l'int\u00e9r\u00eat de l'ensemble des cr\u00e9anciers.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><em>Droit de vente<\/em><\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un pr\u00eateur peut souhaiter vendre les actifs donn\u00e9s en garantie afin de rembourser le pr\u00eat restant d\u00fb. La possibilit\u00e9 d'une telle vente d\u00e9pend de l'existence d'un pouvoir de vente dont dispose le pr\u00eateur, qu'il soit express\u00e9ment pr\u00e9vu dans l'acte de garantie ou qu'il d\u00e9coule de la loi ou de la common law. En l'absence d'un tel pouvoir, le pr\u00eateur devrait obtenir une d\u00e9cision de justice pour vendre les actifs.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsqu'il exerce son droit de vente, le pr\u00eateur doit agir de bonne foi, obtenir le meilleur prix raisonnablement possible et traiter l'emprunteur de mani\u00e8re \u00e9quitable. L'acte de garantie pr\u00e9cise g\u00e9n\u00e9ralement comment le produit de la vente doit \u00eatre affect\u00e9.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si le pr\u00eateur exerce le droit de vente pr\u00e9vu par la loi en vertu de <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/Geo5\/15-16\/20\/section\/101\">article 101 de la loi de 1925 sur la protection des animaux (LPA)<\/a>, le produit de la vente doit \u00eatre r\u00e9parti conform\u00e9ment \u00e0 <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/Geo5\/15-16\/20\/section\/105\">article 105 de la loi de 1925 sur l'administration publique (LPA)<\/a>.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><em>Nomination d'un administrateur judiciaire<\/em><\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dans certaines circonstances bien pr\u00e9cises, un pr\u00eateur peut d\u00e9signer un administrateur judiciaire. Il s'agit toutefois d'une mesure rarement utilis\u00e9e.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><em>Prise de possession<\/em><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un cr\u00e9ancier hypoth\u00e9caire l\u00e9gal a le droit de prendre possession du bien hypoth\u00e9qu\u00e9 sans qu'une d\u00e9cision de justice soit n\u00e9cessaire. Ce droit prend effet d\u00e8s la conclusion de l'hypoth\u00e8que, que la dette garantie soit exigible ou non.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche, un cr\u00e9ancier hypoth\u00e9caire \u00e9quitable ne dispose du pouvoir de prendre possession que si l'hypoth\u00e8que pr\u00e9voit l'obligation de constituer une hypoth\u00e8que l\u00e9gale ainsi qu'un droit contractuel de possession.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le titulaire d'une s\u00fbret\u00e9 n'a pas le droit de prendre possession du bien, sauf mention expresse contraire dans l'acte de s\u00fbret\u00e9.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un pr\u00eateur devient cr\u00e9ancier hypoth\u00e9caire en possession soit en prenant physiquement possession du bien immobilier, soit en engageant une proc\u00e9dure de saisie.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Toutefois, le recours \u00e0 la prise de possession est rarement utilis\u00e9 dans la pratique en raison de divers facteurs, notamment les pr\u00e9occupations li\u00e9es \u00e0 la responsabilit\u00e9 des cr\u00e9anciers hypoth\u00e9caires en possession (par exemple, s'il s'agit d'un bien immobilier, le pr\u00eateur peut \u00eatre tenu responsable des dommages environnementaux), et le fait qu'un cr\u00e9ancier hypoth\u00e9caire en possession a l'obligation, envers l'emprunteur, de rendre compte de tous les revenus et b\u00e9n\u00e9fices per\u00e7us.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><em>Que faire si vous risquez de ne pas pouvoir rembourser votre pr\u00eat relais ?<\/em><\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous risquez de ne pas pouvoir rembourser votre pr\u00eat relais, veuillez consulter nos autres articles sur ce sujet :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/pret-relais-en-souffrance-que-se-passe-t-il-si-vous-ne-pouvez-pas-rembourser-un-pret-relais-a-temps\/\">D\u00e9fauts de paiement sur les pr\u00eats relais \u2013 Que se passe-t-il si vous ne pouvez pas rembourser un pr\u00eat relais dans les d\u00e9lais ?<\/a><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/taux-dinteret-de-retard-des-preteurs-relais-la-haute-cour-estime-que-4-interets-de-retard-constituent-une-penalite-inapplicable\/\">Taux d'int\u00e9r\u00eat moratoire du pr\u00eateur relais : la Haute Cour juge que l'int\u00e9r\u00eat moratoire au taux de 4% constitue une p\u00e9nalit\u00e9 inapplicable<\/a><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/le-taux-dinteret-par-defaut-dun-preteur-relais-constitue-t-il-une-penalite-inapplicable\/\">Pr\u00eats relais : le taux d'int\u00e9r\u00eat de retard appliqu\u00e9 par un pr\u00eateur relais constitue-t-il une p\u00e9nalit\u00e9 inapplicable ?<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Avocats sp\u00e9cialis\u00e9s dans les cas de d\u00e9faut de paiement de pr\u00eats relais \u2013 Contactez-nous<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/rfblegal.co.uk\/fr\/les-personnes\/david-burns\/\">David Burns<\/a>, Senior Litigation Partner at Ronald Fletcher Baker LLP, has extensive experience dealing with bridging loan <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/pret-relais-en-souffrance-que-se-passe-t-il-si-vous-ne-pouvez-pas-rembourser-un-pret-relais-a-temps\/\">defaults<\/a>. For advice on this matter, please contact David Burns via email at <a href=\"mailto:D.Burns@rfblegal.co.uk\" target=\"_blank\" rel=\"noreferrer noopener\">D.Burns@rfblegal.co.uk<\/a> ou par t\u00e9l\u00e9phone au <a href=\"tel:07762318409\">07762318409<\/a>.\u00a0<\/p>","protected":false},"author":5,"featured_media":5508,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[63,20],"tags":[81],"class_list":["post-5505","insight","type-insight","status-publish","format-standard","has-post-thumbnail","hentry","category-commercial-property","category-property-litigation","tag-litigation-team-dj"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"This article explores some key factors a bridging lender may consider when deciding whether to enforce its security, as well as the main methods of enforcement available to lenders. 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