{"id":9931,"date":"2026-07-03T14:03:48","date_gmt":"2026-07-03T14:03:48","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&#038;p=9931"},"modified":"2026-07-07T10:23:39","modified_gmt":"2026-07-07T10:23:39","slug":"les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\/","title":{"rendered":"D\u00e9tenteurs de s\u00fbret\u00e9s r\u00e9elles et possession dans les litiges relatifs aux pr\u00eats relais\u00a0"},"content":{"rendered":"<h2 class=\"wp-block-heading\">Introduction&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le recours au cr\u00e9dit relais a consid\u00e9rablement augment\u00e9, offrant aux promoteurs immobiliers, aux investisseurs et aux propri\u00e9taires un acc\u00e8s rapide \u00e0 des liquidit\u00e9s. Cependant, comme les pr\u00eats relais se caract\u00e9risent par des dur\u00e9es courtes et des taux d\u2019int\u00e9r\u00eat \u00e9lev\u00e9s, ils pr\u00e9sentent \u00e9galement un taux de d\u00e9faut de paiement \u00e9lev\u00e9. Lorsqu\u2019un emprunteur ne parvient pas \u00e0 rembourser le pr\u00eat dans les d\u00e9lais, les pr\u00eateurs relais contournent g\u00e9n\u00e9ralement les longues proc\u00e9dures judiciaires et d\u00e9signent imm\u00e9diatement des administrateurs judiciaires en vertu de la \u00ab Fixed Charge \u00bb ou de la \u00ab Law of Property Act \u00bb (LPA) afin de saisir et de vendre le bien immobilier donn\u00e9 en garantie.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Historiquement, un paradoxe op\u00e9rationnel a frein\u00e9 cette voie d'ex\u00e9cution lorsqu'il s'agissait de biens immobiliers occup\u00e9s par leur propri\u00e9taire. Selon les conditions standard des pr\u00eats hypoth\u00e9caires, les administrateurs judiciaires sont l\u00e9galement d\u00e9sign\u00e9s comme les mandataires de l'emprunteur afin de prot\u00e9ger le pr\u00eateur de toute responsabilit\u00e9. Cela a soulev\u00e9 une question juridique \u00e9pineuse :&nbsp;<em>Comment un mandataire peut-il intenter une action contre son propre mandant pour obtenir la possession du bien immobilier ?<\/em>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'affaire historique jug\u00e9e par la Haute Cour dans l'affaire&nbsp;<a href=\"https:\/\/uk.practicallaw.thomsonreuters.com\/w-022-3603?transitionType=Default&amp;contextData=(sc.Default)&amp;firstPage=true\"><em>Menon c. Pask&nbsp;<\/em>2019<em>&nbsp;<\/em>EWHC 2611 (Ch)<em>&nbsp;<\/em><\/a>a r\u00e9solu ce dilemme de longue date.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les m\u00e9canismes de la mise sous administration judiciaire dans le cadre du financement relais&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour bien saisir l'importance de l'arr\u00eat Menon c. Pask, il est utile de rappeler pourquoi les pr\u00eateurs pr\u00e9f\u00e8rent faire appel \u00e0 des administrateurs judiciaires dans les litiges relatifs aux pr\u00eats relais.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsqu'un emprunteur se trouve en situation de d\u00e9faut de paiement sur un pr\u00eat relais, l'objectif principal du pr\u00eateur est de r\u00e9cup\u00e9rer son capital le plus rapidement possible. La vente d'un bien immobilier dont les locataires ou le propri\u00e9taire occupent encore les lieux r\u00e9duit sa valeur marchande et retarde la transaction.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les pr\u00eateurs s'appuient sur le <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/Geo5\/15-16\/20\/contents\">Loi de 1925 sur le droit immobilier<\/a> et pr\u00e9voient express\u00e9ment, dans les conditions du pr\u00eat hypoth\u00e9caire, la nomination d'administrateurs judiciaires. Cette approche pr\u00e9sente des avantages ind\u00e9niables :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Exon\u00e9ration de responsabilit\u00e9 :<\/strong>&nbsp;Le b\u00e9n\u00e9ficiaire agissant en tant que mandataire de l'emprunteur, le pr\u00eateur \u00e9vite d'\u00eatre consid\u00e9r\u00e9 comme un \u201c cr\u00e9ancier hypoth\u00e9caire en possession \u201d, ce qui le met \u00e0 l'abri de toute responsabilit\u00e9 directe et de toute obligation comptable.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Vitesse :<\/strong>&nbsp;Les liquidateurs peuvent agir rapidement pour g\u00e9rer, mettre en location ou pr\u00e9parer le bien en vue de sa vente.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ex\u00e9cution sp\u00e9cialis\u00e9e :<\/strong>&nbsp;Les liquidateurs sont g\u00e9n\u00e9ralement des professionnels de l'immobilier qui se consacrent exclusivement \u00e0 optimiser le recouvrement des actifs.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le syst\u00e8me fonctionne sans heurts pour les biens immobiliers commerciaux ou lou\u00e9s. Toutefois, si l'emprunteur ou le promoteur immobilier refuse de quitter les lieux, les liquidateurs se heurtent imm\u00e9diatement \u00e0 des obstacles juridiques.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les faits et le \u201c paradoxe de l'agence \u201d dans&nbsp;<em>Menon c. Pask<\/em>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En&nbsp;<em>Menon c. Pask<\/em>, M. et Mme Menon ont donn\u00e9 en garantie leur r\u00e9sidence situ\u00e9e dans l'ouest de Londres afin d'obtenir un cr\u00e9dit d'entreprise. Lorsque ce cr\u00e9dit s'est retrouv\u00e9 en d\u00e9faut de paiement, le pr\u00eateur a d\u00e9sign\u00e9 des administrateurs judiciaires conjoints charg\u00e9s de la garantie fixe pour prendre le contr\u00f4le du bien.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les Menon \u00e9tant rest\u00e9s dans la maison, les liquidateurs ont engag\u00e9 une proc\u00e9dure de reprise de possession devant le tribunal de comt\u00e9. Conform\u00e9ment aux pratiques courantes du secteur \u00e0 l'\u00e9poque, la demande a initialement \u00e9t\u00e9 d\u00e9pos\u00e9e sous la forme suivante :&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u201c Menon et Menon, repr\u00e9sent\u00e9s par Pask et Goode en leur qualit\u00e9 de co-syndics charg\u00e9s de la gestion des charges fixes\u2026 contre Menon et Menon. \u201d<\/em>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cela signifiait que les emprunteurs, par l'interm\u00e9diaire de leurs repr\u00e9sentants l\u00e9gaux, se poursuivaient techniquement eux-m\u00eames en justice pour obtenir la restitution des biens. Les Menon se sont d\u00e9fendus en avan\u00e7ant deux arguments principaux :&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Le bar \u00ab Principal-Agent \u00bb :<\/strong>&nbsp;Un mandataire ne peut pas intenter une action contre son propre mandant pour obtenir la possession d'un bien immobilier dont ce dernier est propri\u00e9taire.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Absence de patrimoine propre :<\/strong>&nbsp;Les curateurs ne d\u00e9tiennent aucun droit de propri\u00e9t\u00e9 ni aucun titre sur le bien foncier, ce qui signifie qu'ils ne disposent pas d'un droit de possession prioritaire sur celui du propri\u00e9taire occupant.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Le tribunal de comt\u00e9 a rejet\u00e9 ces moyens de d\u00e9fense, ce qui a conduit les emprunteurs \u00e0 interjeter appel devant la Haute Cour.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La d\u00e9cision de la Haute Cour : efficacit\u00e9 commerciale et qualit\u00e9 pour agir&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M. le juge Mann a rejet\u00e9 l'appel des emprunteurs, \u00e9tablissant ainsi des r\u00e8gles claires pour l'ex\u00e9cution des mesures de mise sous s\u00e9questre dans le contexte actuel. La Haute Cour a tranch\u00e9 le litige en s'appuyant sur deux concepts juridiques principaux :&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Poursuivis en justice en leur nom propre<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le tribunal a estim\u00e9 que le d\u00e9p\u00f4t d'une demande dans laquelle l'emprunteur se poursuit en justice lui-m\u00eame \u00e9tait irr\u00e9gulier sur le plan proc\u00e9dural. En revanche, les administrateurs judiciaires sont habilit\u00e9s \u00e0 engager une proc\u00e9dure de reprise de possession \u00e0 l'encontre d'un emprunteur en leur propre nom. Cette distinction permet de r\u00e9soudre le conflit proc\u00e9dural tout en respectant les obligations l\u00e9gales et contractuelles de l'administrateur judiciaire.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Le test d'efficacit\u00e9 des activit\u00e9s principales<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le tribunal n'a pas se limit\u00e9 aux r\u00e8gles strictes r\u00e9gissant les mandats pour examiner la finalit\u00e9 commerciale de l'acte hypoth\u00e9caire en cause. Le juge Mann a expliqu\u00e9 que le droit d'un administrateur judiciaire \u00e0 prendre possession des biens d\u00e9coule du fait que :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L'hypoth\u00e8que conf\u00e8re explicitement au b\u00e9n\u00e9ficiaire le pouvoir de g\u00e9rer, d'exploiter et de vendre le bien immobilier.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Un bien immobilier ne peut \u00eatre g\u00e9r\u00e9 efficacement ni vendu \u00e0 sa juste valeur que si le syndic de faillite parvient \u00e0 obtenir la remise des lieux libres de toute occupation.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Priver le cr\u00e9ancier gagiste du droit d'expulser un emprunteur occupant rendrait le m\u00e9canisme de garantie inapplicable, ce qui irait \u00e0 l'encontre des principes fondamentaux d'efficacit\u00e9 commerciale.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">L'arr\u00eat a confirm\u00e9 qu'un administrateur judiciaire n'a pas besoin d'un patrimoine formel pour revendiquer la possession. Il lui suffit de disposer d'un droit de possession sup\u00e9rieur \u00e0 celui de l'emprunteur, fond\u00e9 sur un contrat, qui prend effet d\u00e8s que la garantie sous-jacente devient ex\u00e9cutoire.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Une lueur d'espoir pour les emprunteurs : le pouvoir discr\u00e9tionnaire pr\u00e9vu \u00e0 l'article 36&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Alors que&nbsp;<em>Menon c. Pask<\/em>&nbsp;Tout en renfor\u00e7ant les possibilit\u00e9s offertes aux pr\u00eateurs, elle a \u00e9galement mis en place une protection essentielle pour les emprunteurs particuliers dans le cadre de pr\u00eats immobiliers r\u00e9sidentiels.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le tribunal a examin\u00e9 si un emprunteur pouvait se fonder sur <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/1970\/31\/section\/36\">Article 36 de la loi de 1970 sur l'administration de la justice<\/a> pour retarder ou suspendre une proc\u00e9dure d'expulsion engag\u00e9e par un administrateur judiciaire. Historiquement, cette protection ne s'appliquait qu'aux actions intent\u00e9es directement par un&nbsp;<em>cr\u00e9ancier hypoth\u00e9caire<\/em>&nbsp;(le pr\u00eateur).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M. le juge Mann a statu\u00e9 que l'article 36 s'applique bien aux actions en restitution intent\u00e9es par des administrateurs judiciaires. Le tribunal a estim\u00e9 qu'un administrateur judiciaire agit en tant qu'interm\u00e9diaire pour faire valoir les droits de propri\u00e9t\u00e9 du pr\u00eateur.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En cons\u00e9quence, un emprunteur particulier peut demander au tribunal de reporter, de suspendre ou de geler une ordonnance de saisie s'il est en mesure de pr\u00e9senter un plan r\u00e9aliste visant \u00e0 rembourser le pr\u00eat ou \u00e0 r\u00e9gler les arri\u00e9r\u00e9s dans un d\u00e9lai raisonnable.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Strat\u00e9gies pratiques pour r\u00e9soudre les litiges li\u00e9s aux pr\u00eats relais&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Strat\u00e9gies \u00e0 l'intention des pr\u00eateurs et des cr\u00e9anciers<\/strong>&nbsp;<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Projet de clauses explicites relatives \u00e0 la possession :<\/strong>&nbsp;Veiller \u00e0 ce que les contrats de pr\u00eat et les actes de garantie stipulent explicitement que le b\u00e9n\u00e9ficiaire dispose d'un droit direct \u00e0 prendre possession des lieux lib\u00e9r\u00e9s par le d\u00e9biteur hypoth\u00e9caire.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>D\u00e9poser correctement ses demandes d'indemnisation :<\/strong>&nbsp;\u00c9vitez de commettre l'erreur de d\u00e9signer l'emprunteur comme le demandeur \u201c agissant par l'interm\u00e9diaire \u201d du syndic. Veillez \u00e0 ce que les syndics engagent la proc\u00e9dure judiciaire en leur nom propre.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pr\u00e9parez-vous aux plaidoiries relatives \u00e0 l'article 36 :<\/strong>&nbsp;Lorsqu'il s'agit de biens immobiliers r\u00e9sidentiels ou d'emprunteurs particuliers, soyez pr\u00eat \u00e0 contester les plans de remboursement irr\u00e9alistes ou les d\u00e9lais de refinancement non viables avanc\u00e9s par la d\u00e9fense.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Strat\u00e9gies \u00e0 l'intention des emprunteurs et des garants<\/strong>&nbsp;<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Identifier les exon\u00e9rations accord\u00e9es aux entreprises :<\/strong>&nbsp;Si l'emprunteur est une personne morale ou une soci\u00e9t\u00e9 \u00e0 responsabilit\u00e9 limit\u00e9e, la protection pr\u00e9vue \u00e0 l'article 36 ne s'applique pas. Il convient alors de se concentrer sur la contestation de la validit\u00e9 de la nomination du s\u00e9questre ou de l'exactitude de l'avis de d\u00e9faut de paiement.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pr\u00e9senter des \u00e9l\u00e9ments concrets attestant de la capacit\u00e9 de sortie et de remboursement :<\/strong>&nbsp;Pour obtenir un sursis au titre de l'article 36, les emprunteurs doivent pr\u00e9senter des preuves concr\u00e8tes, telles qu'une offre de rachat officielle \u00e9manant d'un autre prestataire ou un contrat de vente en cours de validit\u00e9 et v\u00e9rifi\u00e9.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>V\u00e9rification des frais li\u00e9s aux pr\u00eats :<\/strong>&nbsp;V\u00e9rifier si les taux d'int\u00e9r\u00eat moratoires et les frais administratifs appliqu\u00e9s par le pr\u00eateur relais constituent une p\u00e9nalit\u00e9 ill\u00e9gale ou cr\u00e9ent un rapport d'in\u00e9galit\u00e9 au sens de la loi de 1974 sur le cr\u00e9dit \u00e0 la consommation.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">R\u00e9sum\u00e9&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La d\u00e9cision rendue dans l'affaire&nbsp;<em>Menon c. Pask<\/em>&nbsp;concilie l'int\u00e9r\u00eat commercial et la protection des consommateurs dans le secteur du cr\u00e9dit relais. En r\u00e9solvant le paradoxe de l'agence, il confirme que les liquidateurs peuvent poursuivre directement les emprunteurs occupant les biens afin d'en obtenir la restitution et de r\u00e9aliser la garantie sous-jacente.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par ailleurs, l'extension des protections pr\u00e9vues \u00e0 l'article 36 \u00e0 ces actions garantit aux emprunteurs individuels de disposer d'un outil juridique leur permettant de conserver leur bien immobilier s'ils sont en mesure de pr\u00e9senter une solution financi\u00e8re viable. La gestion de ces litiges n\u00e9cessite une documentation claire, le respect des formalit\u00e9s proc\u00e9durales et une bonne compr\u00e9hension des contentieux hypoth\u00e9caires.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ben Lewis, avocat sp\u00e9cialis\u00e9 dans les litiges relatifs aux pr\u00eats relais \u2013 Contactez-nous&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ben Lewis est avocat collaborateur au sein du d\u00e9partement Contentieux de RFB. Pour toute question concernant ce sujet, veuillez contacter Ben Lewis par e-mail \u00e0 l'adresse suivante :\u00a0<a href=\"mailto:B.Lewis@rfblegal.co.uk\" target=\"_blank\" rel=\"noreferrer noopener\">B.Lewis@rfblegal.co.uk<\/a>\u00a0ou par t\u00e9l\u00e9phone au 0203 947 8892.<\/p>","protected":false},"author":12,"featured_media":9932,"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-9931","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 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Introduction The use of bridging finance has grown significantly, offering property developers, investors, and homeowners quick access to liquidity. However, because bridging loans feature short maturities and high interest rates, they also experience a high rate of default. When a borrower fails to exit the facility on time, bridging lenders typically bypass lengthy court channels and immediately appoint Fixed\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Sadie Petchey\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.1.1\" \/>\n\t\t<meta property=\"og:locale\" content=\"fr_FR\" \/>\n\t\t<meta property=\"og:site_name\" content=\"RFB Legal -\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Fixed Charge Receivers and Possession in Bridging Loan Disputes - RFB Legal\" \/>\n\t\t<meta property=\"og:description\" content=\"Introduction The use of bridging finance has grown significantly, offering property developers, investors, and homeowners quick access to liquidity. However, because bridging loans feature short maturities and high interest rates, they also experience a high rate of default. When a borrower fails to exit the facility on time, bridging lenders typically bypass lengthy court channels and immediately appoint Fixed\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2024\/01\/header_company_logo.svg\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2024\/01\/header_company_logo.svg\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2026-07-03T14:03:48+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2026-07-07T10:23:39+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"Fixed Charge Receivers and Possession in Bridging Loan Disputes - RFB Legal\" \/>\n\t\t<meta name=\"twitter:description\" content=\"Introduction The use of bridging finance has grown significantly, offering property developers, investors, and homeowners quick access to liquidity. However, because bridging loans feature short maturities and high interest rates, they also experience a high rate of default. When a borrower fails to exit the facility on time, bridging lenders typically bypass lengthy court channels and immediately appoint Fixed\" \/>\n\t\t<meta name=\"twitter:image\" content=\"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2024\/01\/header_company_logo.svg\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/perspectives\\\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/perspectives\\\/#listItem\",\"name\":\"Insights\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/perspectives\\\/#listItem\",\"position\":2,\"name\":\"Insights\",\"item\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/perspectives\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/categorie\\\/contentieux-immobilier\\\/#listItem\",\"name\":\"Property Litigation\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/categorie\\\/contentieux-immobilier\\\/#listItem\",\"position\":3,\"name\":\"Property Litigation\",\"item\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/categorie\\\/contentieux-immobilier\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/perspectives\\\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\\\/#listItem\",\"name\":\"Fixed Charge Receivers and Possession in Bridging Loan Disputes\\u00a0\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/perspectives\\\/#listItem\",\"name\":\"Insights\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/perspectives\\\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\\\/#listItem\",\"position\":4,\"name\":\"Fixed Charge Receivers and Possession in Bridging Loan Disputes\\u00a0\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/categorie\\\/contentieux-immobilier\\\/#listItem\",\"name\":\"Property Litigation\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/#organization\",\"name\":\"RFB Legal\",\"url\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/rfblegal.co.uk\\\/wp-content\\\/uploads\\\/2024\\\/01\\\/header_company_logo.svg\",\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/perspectives\\\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\\\/#organizationLogo\",\"caption\":\"header company logo desktop\"},\"image\":{\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/perspectives\\\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\\\/#organizationLogo\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/author\\\/sadie\\\/#author\",\"url\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/author\\\/sadie\\\/\",\"name\":\"Sadie Petchey\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/perspectives\\\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\\\/#authorImage\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4b4bde29401c22a44b235034af4d81350eb92aeff571312833e6a9abef91bd4c?s=96&d=mm&r=g\",\"width\":96,\"height\":96,\"caption\":\"Sadie Petchey\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/perspectives\\\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\\\/#webpage\",\"url\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/perspectives\\\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\\\/\",\"name\":\"Fixed Charge Receivers and Possession in Bridging Loan Disputes - RFB Legal\",\"description\":\"Introduction The use of bridging finance has grown significantly, offering property developers, investors, and homeowners quick access to liquidity. However, because bridging loans feature short maturities and high interest rates, they also experience a high rate of default. When a borrower fails to exit the facility on time, bridging lenders typically bypass lengthy court channels and immediately appoint Fixed\",\"inLanguage\":\"fr-FR\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/perspectives\\\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\\\/#breadcrumblist\"},\"author\":{\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/author\\\/sadie\\\/#author\"},\"creator\":{\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/author\\\/sadie\\\/#author\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/rfblegal.co.uk\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/Fixed-Charge-Receivers-and-Possession-in-Bridging-Loan-Disputes-ben-lewis-scaled.png\",\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/perspectives\\\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\\\/#mainImage\",\"width\":2120,\"height\":1108},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/perspectives\\\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\\\/#mainImage\"},\"datePublished\":\"2026-07-03T14:03:48+00:00\",\"dateModified\":\"2026-07-07T10:23:39+00:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/\",\"name\":\"RFB Legal\",\"inLanguage\":\"fr-FR\",\"publisher\":{\"@id\":\"https:\\\/\\\/rfblegal.co.uk\\\/fr\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO -->\n\n","aioseo_head_json":{"title":"D\u00e9tenteurs de s\u00fbret\u00e9s r\u00e9elles et possession dans les litiges relatifs aux pr\u00eats relais - RFB Legal","description":"Introduction Le recours au cr\u00e9dit relais s'est consid\u00e9rablement d\u00e9velopp\u00e9, offrant aux promoteurs immobiliers, aux investisseurs et aux propri\u00e9taires un acc\u00e8s rapide \u00e0 des liquidit\u00e9s. Cependant, comme les cr\u00e9dits relais se caract\u00e9risent par des dur\u00e9es courtes et des taux d'int\u00e9r\u00eat \u00e9lev\u00e9s, ils pr\u00e9sentent \u00e9galement un taux de d\u00e9faut de paiement \u00e9lev\u00e9. Lorsqu'un emprunteur ne parvient pas \u00e0 rembourser le cr\u00e9dit dans les d\u00e9lais, les pr\u00eateurs relais contournent g\u00e9n\u00e9ralement les longues proc\u00e9dures judiciaires et d\u00e9signent imm\u00e9diatement un administrateur judiciaire.","canonical_url":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\/","robots":"max-image-preview:large","keywords":"","webmasterTools":{"miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/rfblegal.co.uk\/fr#listItem","position":1,"name":"Home","item":"https:\/\/rfblegal.co.uk\/fr","nextItem":{"@type":"ListItem","@id":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/#listItem","name":"Insights"}},{"@type":"ListItem","@id":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/#listItem","position":2,"name":"Insights","item":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/","nextItem":{"@type":"ListItem","@id":"https:\/\/rfblegal.co.uk\/fr\/categorie\/contentieux-immobilier\/#listItem","name":"Property Litigation"},"previousItem":{"@type":"ListItem","@id":"https:\/\/rfblegal.co.uk\/fr#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/rfblegal.co.uk\/fr\/categorie\/contentieux-immobilier\/#listItem","position":3,"name":"Property Litigation","item":"https:\/\/rfblegal.co.uk\/fr\/categorie\/contentieux-immobilier\/","nextItem":{"@type":"ListItem","@id":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\/#listItem","name":"Fixed Charge Receivers and Possession in Bridging Loan Disputes\u00a0"},"previousItem":{"@type":"ListItem","@id":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/#listItem","name":"Insights"}},{"@type":"ListItem","@id":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\/#listItem","position":4,"name":"Fixed Charge Receivers and Possession in Bridging Loan Disputes\u00a0","previousItem":{"@type":"ListItem","@id":"https:\/\/rfblegal.co.uk\/fr\/categorie\/contentieux-immobilier\/#listItem","name":"Property Litigation"}}]},{"@type":"Organization","@id":"https:\/\/rfblegal.co.uk\/fr\/#organization","name":"RFB Legal","url":"https:\/\/rfblegal.co.uk\/fr\/","logo":{"@type":"ImageObject","url":"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2024\/01\/header_company_logo.svg","@id":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\/#organizationLogo","caption":"header company logo desktop"},"image":{"@id":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\/#organizationLogo"}},{"@type":"Person","@id":"https:\/\/rfblegal.co.uk\/fr\/author\/sadie\/#author","url":"https:\/\/rfblegal.co.uk\/fr\/author\/sadie\/","name":"Sadie Petchey","image":{"@type":"ImageObject","@id":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\/#authorImage","url":"https:\/\/secure.gravatar.com\/avatar\/4b4bde29401c22a44b235034af4d81350eb92aeff571312833e6a9abef91bd4c?s=96&d=mm&r=g","width":96,"height":96,"caption":"Sadie Petchey"}},{"@type":"WebPage","@id":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\/#webpage","url":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\/","name":"Fixed Charge Receivers and Possession in Bridging Loan Disputes - RFB Legal","description":"Introduction The use of bridging finance has grown significantly, offering property developers, investors, and homeowners quick access to liquidity. However, because bridging loans feature short maturities and high interest rates, they also experience a high rate of default. When a borrower fails to exit the facility on time, bridging lenders typically bypass lengthy court channels and immediately appoint Fixed","inLanguage":"fr-FR","isPartOf":{"@id":"https:\/\/rfblegal.co.uk\/fr\/#website"},"breadcrumb":{"@id":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\/#breadcrumblist"},"author":{"@id":"https:\/\/rfblegal.co.uk\/fr\/author\/sadie\/#author"},"creator":{"@id":"https:\/\/rfblegal.co.uk\/fr\/author\/sadie\/#author"},"image":{"@type":"ImageObject","url":"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2026\/07\/Fixed-Charge-Receivers-and-Possession-in-Bridging-Loan-Disputes-ben-lewis-scaled.png","@id":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\/#mainImage","width":2120,"height":1108},"primaryImageOfPage":{"@id":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\/#mainImage"},"datePublished":"2026-07-03T14:03:48+00:00","dateModified":"2026-07-07T10:23:39+00:00"},{"@type":"WebSite","@id":"https:\/\/rfblegal.co.uk\/fr\/#website","url":"https:\/\/rfblegal.co.uk\/fr\/","name":"RFB Legal","inLanguage":"fr-FR","publisher":{"@id":"https:\/\/rfblegal.co.uk\/fr\/#organization"}}]},"og:locale":"fr_FR","og:site_name":"RFB Legal -","og:type":"article","og:title":"Fixed Charge Receivers and Possession in Bridging Loan Disputes - RFB Legal","og:description":"Introduction The use of bridging finance has grown significantly, offering property developers, investors, and homeowners quick access to liquidity. However, because bridging loans feature short maturities and high interest rates, they also experience a high rate of default. When a borrower fails to exit the facility on time, bridging lenders typically bypass lengthy court channels and immediately appoint Fixed","og:url":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\/","og:image":"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2024\/01\/header_company_logo.svg","og:image:secure_url":"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2024\/01\/header_company_logo.svg","article:published_time":"2026-07-03T14:03:48+00:00","article:modified_time":"2026-07-07T10:23:39+00:00","twitter:card":"summary_large_image","twitter:title":"Fixed Charge Receivers and Possession in Bridging Loan Disputes - RFB Legal","twitter:description":"Introduction The use of bridging finance has grown significantly, offering property developers, investors, and homeowners quick access to liquidity. However, because bridging loans feature short maturities and high interest rates, they also experience a high rate of default. When a borrower fails to exit the facility on time, bridging lenders typically bypass lengthy court channels and immediately appoint Fixed","twitter:image":"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2024\/01\/header_company_logo.svg"},"aioseo_meta_data":{"post_id":"9931","title":null,"description":null,"keywords":null,"keyphrases":{"focus":{"keyphrase":"","score":0,"analysis":{"keyphraseInTitle":{"score":0,"maxScore":9,"error":1}}},"additional":[]},"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":"","og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"WebPage","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":{"faqs":[],"keyPoints":[],"schemas":[],"titles":[],"descriptions":[],"socialPosts":{"email":{"subject":"","preview":"","content":""},"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2026-07-03 14:03:52","updated":"2026-07-07 10:52:51","seo_analyzer_scan_date":null,"focus_keyword":null,"additional_keywords":null,"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/rfblegal.co.uk\/fr\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/\" title=\"Insights\">Insights<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/rfblegal.co.uk\/fr\/categorie\/contentieux-immobilier\/\" title=\"Property Litigation\">Property Litigation<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tFixed Charge Receivers and Possession in Bridging Loan Disputes \n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/rfblegal.co.uk\/fr"},{"label":"Insights","link":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/"},{"label":"Property Litigation","link":"https:\/\/rfblegal.co.uk\/fr\/categorie\/contentieux-immobilier\/"},{"label":"Fixed Charge Receivers and Possession in Bridging Loan Disputes\u00a0","link":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-beneficiaires-de-frais-fixes-et-la-possession-dans-les-litiges-relatifs-aux-prets-relais\/"}],"_links":{"self":[{"href":"https:\/\/rfblegal.co.uk\/fr\/wp-json\/wp\/v2\/insight\/9931","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rfblegal.co.uk\/fr\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/rfblegal.co.uk\/fr\/wp-json\/wp\/v2\/types\/insight"}],"author":[{"embeddable":true,"href":"https:\/\/rfblegal.co.uk\/fr\/wp-json\/wp\/v2\/users\/12"}],"version-history":[{"count":3,"href":"https:\/\/rfblegal.co.uk\/fr\/wp-json\/wp\/v2\/insight\/9931\/revisions"}],"predecessor-version":[{"id":9960,"href":"https:\/\/rfblegal.co.uk\/fr\/wp-json\/wp\/v2\/insight\/9931\/revisions\/9960"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rfblegal.co.uk\/fr\/wp-json\/wp\/v2\/media\/9932"}],"wp:attachment":[{"href":"https:\/\/rfblegal.co.uk\/fr\/wp-json\/wp\/v2\/media?parent=9931"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rfblegal.co.uk\/fr\/wp-json\/wp\/v2\/categories?post=9931"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rfblegal.co.uk\/fr\/wp-json\/wp\/v2\/tags?post=9931"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}