{"id":9632,"date":"2026-06-01T10:34:13","date_gmt":"2026-06-01T10:34:13","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&#038;p=9632"},"modified":"2026-06-05T08:37:23","modified_gmt":"2026-06-05T08:37:23","slug":"defauts-de-paiement-sur-les-prets-relais-et-considerations-reglementaires-fsma-cca","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/defauts-de-paiement-sur-les-prets-relais-et-considerations-reglementaires-fsma-cca\/","title":{"rendered":"D\u00e9fauts de paiement sur les pr\u00eats relais et consid\u00e9rations r\u00e9glementaires (FSMA et CCA)\u00a0"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Bridging loans occupy a unique position in UK <a href=\"https:\/\/rfblegal.co.uk\/fr\/base-de-connaissances\/quest-ce-que-le-credit-relais\/\">financer<\/a>: they are short-term, high-interest, and security-driven lending products designed to \u201cbridge\u201d a temporary funding gap, often in <a href=\"https:\/\/rfblegal.co.uk\/fr\/categorie\/contentieux-immobilier\/\">propri\u00e9t\u00e9<\/a> transactions. Their speed and flexibility make them attractive for auction <a href=\"https:\/\/rfblegal.co.uk\/fr\/base-de-connaissances\/achat-de-nouvelles-constructions-ce-quil-faut-savoir\/\">purchases<\/a>, chain breaks, refurbishment projects, and investment acquisitions. However, the same features that make them useful also make them high-risk. When borrowers default, <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/litiges-relatifs-aux-prets-relais-comment-gerer-les-defauts-de-paiement-execution-et-clauses-abusives\/\">enforcement<\/a> is typically swift and highly structured around the <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/qa-deferred-consideration-security\/\">security<\/a> (usually property).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A key complexity in <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/comprendre-les-prets-relais-un-filet-de-securite-pour-les-emprunteurs-dans-le-besoin\/\">understanding<\/a> <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/le-defaut-de-paiement-dun-pret-relais-lexecution-par-le-preteur-et-les-options-qui-soffrent-a-vous\/\">bridging loan<\/a> <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> in the UK is that these loans do not sit neatly within a single <a href=\"https:\/\/rfblegal.co.uk\/fr\/services\/droit-des-personnes\/droit-reglementaire\/\">r\u00e9glementaire<\/a> regime. Depending on structure and purpose, a bridging loan may be governed by<a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/2000\/8\/contents\"> FSMA 2000<\/a>, r\u00e9gi par la <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/1974\/39\/contents\">Loi de 1974 sur le cr\u00e9dit \u00e0 la consommation (CCA)<\/a>, ou totalement non r\u00e9glement\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La rapidit\u00e9 \u00e9tant l'objectif principal, les pr\u00eats relais sont g\u00e9n\u00e9ralement plus co\u00fbteux que les pr\u00eats hypoth\u00e9caires classiques et n\u00e9cessitent une strat\u00e9gie de sortie claire et r\u00e9alisable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The exit strategy\u2014the method by which the borrower intends to repay the loan\u2014is the focal point of any bridging facility. Common exit strategies include <a href=\"https:\/\/rfblegal.co.uk\/fr\/base-de-connaissances\/quest-ce-que-le-transfert-de-propriete-lors-de-la-vente-dune-maison\/\">selling<\/a> the secured property or <a href=\"https:\/\/rfblegal.co.uk\/fr\/services\/droit-des-personnes\/propriete-residentielle\/rehypotheque-refinancement-immobilier\/\">refinancing<\/a> the bridging loan onto a long-term mortgage. If this strategy fails or is delayed, the borrower falls into default. Given the unforgiving, short-term nature of bridging finance, defaults can escalate quickly. Borrowers face mounting financial pressure, while lenders must navigate a strict <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/conseils-sur-les-nuisances-legales-pour-les-proprietaires-et-les-agents-de-gestion\/\">statutory<\/a> and regulatory landscape to enforce their security.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comprendre les d\u00e9fauts de paiement sur les pr\u00eats relais<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To fully comprehend the regulatory implications of default, one must first understand what constitutes a default in the <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/qa-le-droit-du-travail-dans-le-contexte-de-lentreprise\/\">context<\/a> of bridging finance. While <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/beneficiaires-manquants-et-ordres-de-benjamin\/\">missing<\/a> a monthly payment is an obvious trigger, &#8220;default&#8221; is a broad term that extends far beyond non-payment. The exact circumstances constituting default are outlined in the facility <a href=\"https:\/\/rfblegal.co.uk\/fr\/base-de-connaissances\/ai-je-besoin-dune-convention-dactionnaires\/\">agreement<\/a> and security <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/guide-du-nouvel-exercice-financier-sassurer-que-les-documents-juridiques-de-son-entreprise-sont-a-jour\/\">documents<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Parmi les cas de d\u00e9faillance courants, on peut citer :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Date d'expiration :<\/strong> Le non-remboursement du solde total du pr\u00eat \u00e0 la date d'\u00e9ch\u00e9ance convenue du pr\u00eat relais constitue la cause la plus fr\u00e9quente de d\u00e9faut de paiement.<\/li>\n\n\n\n<li><strong>Technical <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/ce-que-tout-bailleur-commercial-doit-savoir-sur-les-ruptures-de-contrat-de-location\/\">Breaches<\/a>:<\/strong> Breaching specific loan covenants, such as <a href=\"https:\/\/rfblegal.co.uk\/fr\/base-de-connaissances\/quest-ce-quun-engagement-dans-le-cadre-dune-transaction-immobiliere\/\">undertaking<\/a> structural refurbishments without the lender&#8217;s prior consent, or <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/apporter-des-modifications-sans-consentement-les-risques-juridiques-lies-aux-modifications-non-autorisees-du-bail\/\">unauthorised<\/a> changes to the property&#8217;s use or occupancy.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/lere-du-paiement-au-fur-et-a-mesure-naviguer-dans-les-arrieres-de-loyers-commerciaux-en-cas-dinsolvabilite-du-locataire\/\">Insolvabilit\u00e9<\/a> Events:<\/strong> The borrower entering <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/proteger-vos-interets-lorsquun-collegue-administrateur-actionnaire-est-confronte-a-la-faillite\/\">bankruptcy<\/a>, <a href=\"https:\/\/rfblegal.co.uk\/fr\/services\/droit-des-affaires\/contentieux-commercial\/insolvabilite\/\">liquidation<\/a>, or an <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/energy-and-utility-disputes-are-you-an-individual-or-business-being-overcharged-by-your-energy-or-utility-provider\/\">Particulier<\/a> Voluntary Arrangement (IVA).<\/li>\n\n\n\n<li><strong>Clauses de d\u00e9faillance crois\u00e9e :<\/strong> A default on <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/encore-un-bureau-dinscription-des-eleves-reussi\/\">another<\/a> loan or financial obligation held by the borrower that negatively impacts their financial standing.<\/li>\n\n\n\n<li><strong>Fausse d\u00e9claration :<\/strong> Constat que l'emprunteur a fourni des informations fausses ou trompeuses lors de la proc\u00e9dure de demande.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Cons\u00e9quences imm\u00e9diates<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once a default occurs, lenders often act swiftly to protect their <a href=\"https:\/\/rfblegal.co.uk\/fr\/services\/droit-des-affaires\/contentieux-immobilier-affaires\/entreprises-occupantes\/\">commercial<\/a> interests, often triggering rapid escalation of the borrower&#8217;s debt.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/le-taux-dinteret-par-defaut-dun-preteur-relais-constitue-t-il-une-penalite-inapplicable\/\">Int\u00e9r\u00eat de retard<\/a> Rates:<\/strong> En cas de d\u00e9faut de paiement, les pr\u00eateurs appliquent souvent un taux d'int\u00e9r\u00eat nettement plus \u00e9lev\u00e9. Ils calculent parfois ces int\u00e9r\u00eats sur les int\u00e9r\u00eats, ce qui fait que la dette augmente de mani\u00e8re exponentielle en tr\u00e8s peu de temps.<\/li>\n\n\n\n<li><strong>Frais de retard :<\/strong> Lenders typically charge administration fees, legal costs, and <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/defaut-de-paiement-sur-un-credit-relais-que-se-passe-t-il-si-un-administrateur-judiciaire-est-designe-a-la-suite-dun-defaut-de-paiement-sur-un-credit-relais\/\">receiver<\/a> fees associated with <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/execution-dun-jugement-etranger-en-angleterre-et-au-pays-de-galles-liste-de-controle-pour-lexecution-dans-le-cadre-du-regime-de-common-law\/\">enforcing<\/a> the loan.<\/li>\n\n\n\n<li><strong>Mesures coercitives :<\/strong> The lender may move to take <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\/\">possession<\/a> of the property, initiate court proceedings, or appoint a Fixed Charge Receiver to take control of the asset and sell it to recover the debt.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Le cadre r\u00e9glementaire : la FSMA et la CCA<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le secteur britannique du cr\u00e9dit relais n'est pas soumis \u00e0 un cadre r\u00e9glementaire unique et global. La r\u00e9glementation s'articule plut\u00f4t autour de deux r\u00e9gimes principaux : les pr\u00eats r\u00e9glement\u00e9s par la Financial Conduct Authority (<a href=\"https:\/\/www.google.com\/url?sa=i&amp;source=web&amp;rct=j&amp;url=https:\/\/www.fca.org.uk\/&amp;ved=2ahUKEwi-85Dc9syUAxUkT0EAHbTFBagQy_kOegoIAggACAAIEhAC&amp;opi=89978449&amp;cd&amp;psig=AOvVaw0EnhMKI5p9CKS10C-yDIQR&amp;ust=1779540399200000\" target=\"_blank\" rel=\"noreferrer noopener\">FCA<\/a>) relevant de la FSMA, ainsi que les pr\u00eats r\u00e9gis par la CCA. Le statut r\u00e9glementaire d'un pr\u00eat d\u00e9termine le niveau de protection l\u00e9gale dont b\u00e9n\u00e9ficie l'emprunteur, notamment en cas de d\u00e9faut de paiement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pr\u00eats relais r\u00e9glement\u00e9s (FSMA)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En vertu de la <a href=\"https:\/\/www.legislation.gov.uk\/uksi\/2001\/544\/contents\/made\">Loi de 2000 sur les services et march\u00e9s financiers (arr\u00eat\u00e9 de 2001 relatif aux activit\u00e9s r\u00e9glement\u00e9es) <\/a>(\u2018 RAO \u2019), un pr\u00eat relais est consid\u00e9r\u00e9 comme un \u201c contrat hypoth\u00e9caire r\u00e9glement\u00e9 \u201d s\u2019il r\u00e9pond \u00e0 certains crit\u00e8res. En r\u00e8gle g\u00e9n\u00e9rale, cela s\u2019applique lorsque le pr\u00eat est accord\u00e9 \u00e0 un particulier ou \u00e0 un fiduciaire, et que le bien immobilier servant de garantie est actuellement occup\u00e9, ou destin\u00e9 \u00e0 \u00eatre occup\u00e9, par l\u2019emprunteur ou un membre de sa famille proche.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The FCA governs these regulated bridging loans to ensure rigorous consumer protection. Key regulatory <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/visas-uk-2024-le-salaire-minimum-et-les-exigences-en-matiere-de-revenus\/\">requirements<\/a> include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u00c9valuations de l'accessibilit\u00e9 financi\u00e8re :<\/strong> Les pr\u00eateurs sont l\u00e9galement tenus de proc\u00e9der \u00e0 une v\u00e9rification approfondie des revenus et de la capacit\u00e9 de remboursement avant d'accorder un pr\u00eat.<\/li>\n\n\n\n<li><strong>Principes de la FCA \u00e0 l'intention des entreprises :<\/strong> Les pr\u00eateurs doivent traiter leurs clients de mani\u00e8re \u00e9quitable et tenir d\u00fbment compte de leurs int\u00e9r\u00eats.<\/li>\n\n\n\n<li><strong>Mortgages and <a href=\"https:\/\/rfblegal.co.uk\/fr\/base-de-connaissances\/la-procedure-de-transfert-de-propriete-liee-a-mon-demenagement-sest-elle-bien-deroulee\/\">Accueil<\/a> Finance: Conduct of <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/contrats-dentreprise-qa\/\">Entreprises<\/a> Sourcebook (MCOB):<\/strong> Lenders must adhere to strict rules regarding <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/injonctions-de-divulgation\/\">disclosure<\/a>, pre-contractual illustrations, and <a href=\"https:\/\/rfblegal.co.uk\/fr\/base-de-connaissances\/quelles-sont-les-obligations-legales-des-proprietaires-en-matiere-de-traitement-de-lhumidite-et-des-moisissures\/\">handling<\/a> <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/arrieres-de-loyer-commercial-guide-pratique-a-lintention-des-locataires-commerciaux\/\">arrears<\/a>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En cas de d\u00e9faut de paiement sur un cr\u00e9dit relais r\u00e9glement\u00e9, le pr\u00eateur est soumis aux directives strictes de la FCA en mati\u00e8re de tol\u00e9rance et de traitement \u00e9quitable des clients en difficult\u00e9 financi\u00e8re. La saisie ne doit \u00eatre envisag\u00e9e qu\u2019en dernier recours, et les pr\u00eateurs doivent collaborer activement avec les emprunteurs afin d\u2019\u00e9tudier d\u2019autres modalit\u00e9s de remboursement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pr\u00eats relevant de la Loi sur le cr\u00e9dit \u00e0 la consommation (LCC)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Consumer <a href=\"https:\/\/rfblegal.co.uk\/fr\/base-de-connaissances\/puis-je-regler-les-frais-de-transfert-de-propriete-par-carte-de-credit\/\">Credit<\/a> Act 1974 (CCA), in general terms, applies primarily to smaller, unsecured, or second-charge bridging loans that fall outside the definition of a regulated mortgage contract, generally when the loan is not wholly or predominantly for business purposes. The CCA provides statutory rights for borrowers, including specific procedures lenders must follow when enforcing the loan or imposing default <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/frais-de-service-residentiels-guide-pratique-pour-les-proprietaires\/\">charges<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Historically, bridging loans to <a href=\"https:\/\/rfblegal.co.uk\/fr\/categorie\/dentreprise\/\">corporate<\/a> entities (e.g., Limited Companies or Special Purpose Vehicles) were largely unregulated. However, the line is increasingly blurred; some lenders attempt to require borrowers to incorporate companies to classify the loan as unregulated and avoid CCA or FSMA constraints. Yet, if the loan is deemed consumer credit in substance, the courts can look past the corporate veil, and the regulatory <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/droits-et-protections-des-actionnaires-minoritaires\/\">protections<\/a> of the CCA may still apply.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Consid\u00e9rations r\u00e9glementaires \u00e0 l'intention des pr\u00eateurs : l'interdiction g\u00e9n\u00e9rale<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A critical regulatory <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/protection-de-la-contrepartie-differee-dans-le-cadre-dune-cession-dactions\/\">consideration<\/a> for all lenders operating in the UK is the &#8220;General Prohibition&#8221; established under <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/2000\/8\/section\/19\">Article 19 de la FSMA 2000<\/a>. Cette interdiction stipule que nul ne peut exercer une \u201c activit\u00e9 r\u00e9glement\u00e9e \u201d au Royaume-Uni \u00e0 moins d'\u00eatre une personne agr\u00e9\u00e9e ou une personne exempt\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Entering into a regulated mortgage contract is a regulated activity. If an unauthorised lender issues a loan that should have been regulated under FSMA, the <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-marqueurs-cifas-expliques-causes-consequences-et-solutions\/\">consequences<\/a> are severe:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Inapplicabilit\u00e9 :<\/strong> Sous <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/2000\/8\/section\/26\">Article 26A de la FSMA 2000,<\/a> the loan agreement may be rendered completely unenforceable against the borrower. The lender may lose the <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/le-droit-de-preemption-informations-essentielles-pour-les-proprietaires-et-les-locataires\/\">right<\/a> to recover the principal sum or the interest.<\/li>\n\n\n\n<li><strong>Ordonnances de remboursement :<\/strong> Le tribunal peut ordonner au pr\u00eateur d'indemniser l'emprunteur, ce qui peut impliquer le remboursement de tous les int\u00e9r\u00eats et remboursements de capital d\u00e9j\u00e0 effectu\u00e9s.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/rfblegal.co.uk\/fr\/categorie\/contentieux-penal\/\">Criminal<\/a> Liability:<\/strong> Le non-respect de l'interdiction g\u00e9n\u00e9rale constitue une infraction p\u00e9nale passible d'une amende illimit\u00e9e ou d'une peine d'emprisonnement.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Exemption \u00ab entreprise \u00e0 entreprise \u00bb vs \u00ab entreprise \u00e0 consommateur \u00bb<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Une question qui fait souvent l'objet de litiges est de savoir si un pr\u00eat relais a \u00e9t\u00e9 contract\u00e9 \u00e0 des \u201c fins professionnelles \u201d, ce qui permet souvent d'exempter ce pr\u00eat de la r\u00e9glementation relative aux frais de cr\u00e9dit. <a href=\"https:\/\/www.legislation.gov.uk\/uksi\/2001\/544\/article\/60C\">Article 60C, paragraphe 5, de l'arr\u00eat\u00e9 sur les activit\u00e9s r\u00e9glement\u00e9es<\/a> pr\u00e9voit qu'un pr\u00eat est pr\u00e9sum\u00e9 destin\u00e9 \u00e0 des fins professionnelles si l'emprunteur fournit une d\u00e9claration en ce sens.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, en vertu de <a href=\"https:\/\/www.legislation.gov.uk\/uksi\/2001\/544\/article\/60C\">Article 60C, paragraphe 6<\/a>, if the lender knew or had reasonable cause to suspect that the loan was not wholly or predominantly for business purposes, the declaration could be treated as invalid. In the event of a default, borrowers often <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/le-recours-judiciaire-contre-la-reforme-du-droit-de-bail-remet-en-question-lavenir-de-dispositions-essentielles\/\">challenge<\/a> the validity of their business purpose declaration, arguing that the loan was actually for a consumer purpose (e.g., funding personal debt or a <a href=\"https:\/\/rfblegal.co.uk\/fr\/services\/droit-des-personnes\/propriete-residentielle\/\">r\u00e9sidentiel<\/a> property purchase) and that the lender failed to conduct appropriate regulatory checks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Int\u00e9r\u00eats de retard, frais et relations abusives (CCA)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One of the most litigated aspects of bridging loan defaults is the imposition of default interest and <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\/\">penalty<\/a> fees. Given the short timeframes and high risks of bridging finance, lenders <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/naviguer-dans-la-vague-de-larbitrage-international-faq\/\">frequently<\/a> <a href=\"https:\/\/rfblegal.co.uk\/fr\/base-de-connaissances\/ai-je-besoin-dun-notaire-specialise-en-transactions-immobilieres-pour-lachat-dun-logement-neuf\/\">build<\/a> high default rates and fees into their contracts. However, borrowers have challenged whether these rates are legally enforceable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La loi sur les sanctions<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Selon le crit\u00e8re de r\u00e9f\u00e9rence \u00e9tabli par&nbsp;<em>Makdessi<\/em>, une clause est consid\u00e9r\u00e9e comme une p\u00e9nalit\u00e9 inapplicable si elle constitue une obligation accessoire qui inflige au contrevenant un pr\u00e9judice sans commune mesure avec&nbsp;<strong>int\u00e9r\u00eat l\u00e9gitime<\/strong>&nbsp;de la partie l\u00e9s\u00e9e lors de l'ex\u00e9cution de l'obligation principale.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sur le march\u00e9 des pr\u00eats relais, les pr\u00eateurs justifient souvent les taux d'int\u00e9r\u00eat \u00e9lev\u00e9s en cas de d\u00e9faut de paiement (par exemple, de (3%) \u00e0 (4%) par mois) en faisant valoir qu'ils compensent le risque \u00e9lev\u00e9 li\u00e9 \u00e0 l'immobilisation de capitaux dans un pr\u00eat non performant.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les tribunaux n'ont pas fix\u00e9 de pourcentage \u201c rigide \u201d permettant de qualifier une clause de p\u00e9nalit\u00e9 ; cela d\u00e9pend plut\u00f4t du caract\u00e8re \u201c exorbitant \u201d ou \u201c abusif \u201d du taux dans le contexte commercial. Si les majorations d'int\u00e9r\u00eats sont justifiables, les taux excessifs qui entra\u00eenent un pr\u00e9judice disproportionn\u00e9 peuvent \u00eatre consid\u00e9r\u00e9s comme une p\u00e9nalit\u00e9 inapplicable.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u00c9l\u00e9ments \u00e0 prendre en compte par les emprunteurs :<\/strong><br>Lorsqu'on conteste un pr\u00eat relais ou un taux de d\u00e9faut, la question centrale est de savoir si la provision est&nbsp;<strong>\u201c de nature p\u00e9nale \u201d <\/strong>totalement disproportionn\u00e9 par rapport \u00e0&nbsp;<strong>int\u00e9r\u00eat l\u00e9gitime<\/strong>&nbsp;de la partie l\u00e9s\u00e9e \u2014 c'est-\u00e0-dire que son objectif premier est de sanctionner l'emprunteur plut\u00f4t que de prot\u00e9ger les int\u00e9r\u00eats l\u00e9gitimes du pr\u00eateur. Voici quelques points \u00e0 prendre en consid\u00e9ration :\n<ul class=\"wp-block-list\">\n<li><strong>La charge de la preuve :<\/strong>&nbsp;Il appartient \u00e0 l'emprunteur de d\u00e9montrer que le taux est \u201c sans commune mesure \u201d avec les int\u00e9r\u00eats du pr\u00eateur. Le pr\u00eateur n'est pas tenu de fournir une justification math\u00e9matique du taux sp\u00e9cifique qu'il a choisi.<\/li>\n\n\n\n<li><strong>Erreur de classification r\u00e9glementaire :<\/strong>\u00a0Si un pr\u00eateur a class\u00e9 \u00e0 tort un pr\u00eat dans la cat\u00e9gorie \u201c non r\u00e9glement\u00e9 \u201d (par exemple, si une d\u00e9claration indiquant que le pr\u00eat \u00e9tait destin\u00e9 \u00e0 un \u201c usage professionnel \u201d a \u00e9t\u00e9 sign\u00e9e alors que l'emprunteur avait l'intention d'habiter le bien immobilier), l'emprunteur peut b\u00e9n\u00e9ficier de protections bien plus solides en vertu de la\u00a0<a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/2000\/8\/contents\">Loi de 2000 sur les services et march\u00e9s financiers (FSMA)<\/a>\u00a0et\u00a0<a href=\"https:\/\/handbook.fca.org.uk\/guides\/reader-guide\">Manuel de la FCA<\/a>, ce qui peut rendre les conditions d'int\u00e9r\u00eat \u201c abusives \u201d, quelle que soit la r\u00e8gle relative aux p\u00e9nalit\u00e9s.<\/li>\n\n\n\n<li><strong>Le pi\u00e8ge de l\u201c\u201d obligation principale \u00bb :<\/strong>&nbsp;If the higher rate is structured to trigger on a &#8220;non-breach&#8221; event, lenders may argue it is a primary obligation (not a penalty). However, courts <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/un-testament-peut-il-annuler-mes-accords-anterieurs\/\">va<\/a> look at the&nbsp;<strong>le fond plut\u00f4t que la forme<\/strong>&nbsp;pour d\u00e9terminer s'il s'agit effectivement d'une p\u00e9nalit\u00e9 pour retard de paiement.&nbsp;<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Obstacle au droit de rachat :<\/strong>&nbsp;Tout emprunteur dispose d'un droit \u00e9quitable de rembourser son pr\u00eat et de r\u00e9cup\u00e9rer son bien. Toute clause rendant le rachat \u201c excessivement difficile \u201d ou constituant un \u201c obstacle \u201d \u00e0 l'exercice de ce droit \u2014 telle que des frais de sortie exorbitants ou des conditions de rachat trop contraignantes \u2014 peut \u00eatre contest\u00e9e au motif qu'elle est inapplicable.<\/li>\n\n\n\n<li><strong>Influence indue ou contrainte :<\/strong>&nbsp;If a borrower was pressured into the loan under illegitimate circumstances or without independent legal advice, the agreement (or personal <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-garanties-personnelles-et-les-arrieres-de-loyers-commerciaux-sont-des-risques-pour-les-directeurs\/\">guarantees<\/a> associated with it) might be set aside.<\/li>\n\n\n\n<li><strong>Professional <a href=\"https:\/\/rfblegal.co.uk\/fr\/base-de-connaissances\/quel-montant-puis-je-reclamer-en-cas-de-negligence-dans-le-cadre-dune-transaction-immobiliere\/\">Negligence<\/a>:<\/strong>\u00a0Dans certains cas, le litige peut concerner les professionnels impliqu\u00e9s. Par exemple, si un avocat n\u2019a pas correctement inform\u00e9 l\u2019emprunteur des risques li\u00e9s \u00e0 des int\u00e9r\u00eats de retard \u00e9lev\u00e9s ou \u00e0 des d\u00e9fauts de paiement \u201c techniques \u201d, ce dernier peut intenter une action pour n\u00e9gligence professionnelle afin d\u2019obtenir r\u00e9paration de ses pertes.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsqu'il s'agit de contester l'applicabilit\u00e9 des pr\u00eats relais dans le cadre d'un litige, plusieurs arguments juridiques et r\u00e9glementaires, au-del\u00e0 de la \u201c r\u00e8gle de la p\u00e9nalit\u00e9 \u201d, peuvent \u00eatre invoqu\u00e9s ; il est toutefois important de solliciter un avis juridique d\u00e8s que possible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les clauses abusives au regard de la loi sur le cr\u00e9dit \u00e0 la consommation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sous <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/1974\/39\/part\/IX\/crossheading\/unfair-relationships#:~:text=140AUnfair%20relationships%20between%20creditors%20and%20debtors&amp;text=(2)In%20deciding%20whether%20to,matters%20relating%20to%20the%20debtor).\">article 140A de la CCA de 1974<\/a>, courts can review <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/conventions-dachat-dactions-qa\/\">agreements<\/a> deemed unfair due to factors like excessive total credit costs, lender misconduct, or oppressive enforcement. If an unfair relationship is found, s140B empowers courts to <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/licenciement-economique-restructuration-et-licenciement-suivi-dune-reembauche-guide-pratique-a-lintention-des-employeurs\/\">restructure<\/a> the agreement, reduce interest rates, or order refunds of payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">David Burns, <a href=\"https:\/\/rfblegal.co.uk\/fr\/etiquette\/senior-partner\/\">Senior<\/a> <a href=\"https:\/\/rfblegal.co.uk\/fr\/etiquette\/litigation-team-br\/\">Litiges<\/a> Partner at Ronald <a href=\"https:\/\/rfblegal.co.uk\/fr\/\">Fletcher<\/a> Baker LLP, has extensive experience handling issues related to bridging loan defaults and disputes.\/ For <a href=\"https:\/\/rfblegal.co.uk\/fr\/base-de-connaissances\/9726-2\/\">demandes de renseignements<\/a> on this topic, please <a href=\"https:\/\/rfblegal.co.uk\/fr\/nous-contacter\/\">contact<\/a> David Burns <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/orientations-concernant-les-demandes-de-licence-de-parrainage-au-royaume-uni-dans-le-cadre-du-visa-de-travailleur-qualifie\/\">via<\/a> email at D.Burns@rfblegal.co.uk or by phone at 0207 467 5751.<\/p>","protected":false},"author":12,"featured_media":9633,"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":[20],"tags":[81],"class_list":["post-9632","insight","type-insight","status-publish","format-standard","has-post-thumbnail","hentry","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=\"Bridging loans occupy a unique position in UK finance: they are short-term, high-interest, and security-driven lending products designed to \u201cbridge\u201d a temporary funding gap, often in property transactions. 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