{"id":9947,"date":"2026-07-06T10:02:46","date_gmt":"2026-07-06T10:02:46","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&#038;p=9947"},"modified":"2026-07-06T10:06:42","modified_gmt":"2026-07-06T10:06:42","slug":"guide-de-questions-reponses-sur-les-nominations-de-curateurs-dans-le-cadre-des-prets-relais","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/guide-de-questions-reponses-sur-les-nominations-de-curateurs-dans-le-cadre-des-prets-relais\/","title":{"rendered":"Nominations de liquidateurs dans le cadre de pr\u00eats relais : guide sous forme de questions-r\u00e9ponses\u00a0"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Bridging lenders\u00a0often\u00a0appoint receivers\u00a0pursuant to\u00a0<a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/conseils-sur-les-nuisances-legales-pour-les-proprietaires-et-les-agents-de-gestion\/\">statutory<\/a> and contractual powers\u00a0to quickly recover outstanding\u00a0debts when borrowers <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\/\">default<\/a> on their loans.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This article sets out some&nbsp;of the&nbsp;frequently&nbsp;asked questions around&nbsp;the appointment process, constitutional frameworks, and recovery mechanisms governing fixed-charge and Law of Property Act (<a href=\"https:\/\/rfblegal.co.uk\/fr\/services\/droit-des-personnes\/procurations-et-protection-judiciaire\/la-procuration\/\">LPA<\/a>) receiverships.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. Fondements juridiques et fondement constitutionnel<\/strong>&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Q : En vertu de quelles dispositions l\u00e9gales un pr\u00eateur relais est-il habilit\u00e9 \u00e0 nommer un administrateur judiciaire ?<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R :<\/strong>&nbsp;Le pouvoir l\u00e9gal de nommer des administrateurs judiciaires d\u00e9coule de&nbsp;<strong>Article 101, paragraphe 1, point iii), de la loi de 1925 sur le droit immobilier (LPA)<\/strong>. This section implies a power to appoint a <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> into any mortgage or charge executed by <a href=\"https:\/\/rfblegal.co.uk\/fr\/base-de-connaissances\/quest-ce-quun-acte-de-modification-dun-testament\/\">deed<\/a>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, because statutory powers under the LPA 1925 are <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/qa-clauses-restrictives\/\">restrictive<\/a>, bridging lenders&nbsp;usually tend to&nbsp;explicitly expand these provisions <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> the express terms of their&nbsp;<strong>documents relatifs aux obligations ou aux charges l\u00e9gales<\/strong>. Cela donne naissance \u00e0 un \u201c administrateur charg\u00e9 de la gestion des frais fixes \u201d pr\u00e9vu par contrat, dont les pouvoirs op\u00e9rationnels d\u00e9passent largement le simple cadre l\u00e9gal de la LPA.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Q : \u00c0 quel moment le pouvoir l\u00e9gal de nommer un administrateur judiciaire prend-il effet et devient-il exer\u00e7able ?<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R :<\/strong>\u00a0Sous\u00a0<strong><a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/Geo5\/15-16\/20\/section\/103\">Article 103 de la loi de 1925 sur la protection des personnes (LPA)<\/a><\/strong>, the statutory power of sale\u2014and by <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/mises-a-jour-et-defis-de-la-reforme-de-laffranchissement-collectif-de-la-prolongation-du-bail\/\">extension<\/a>, the power to appoint a receiver\u2014arises as soon as the mortgage debt becomes due (typically the contractual maturity date).\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, cela ne devient&nbsp;<em>exer\u00e7able<\/em>&nbsp;lorsqu'un des crit\u00e8res l\u00e9gaux suivants est rempli :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Une mise en demeure exigeant le paiement du capital hypoth\u00e9caire a \u00e9t\u00e9 signifi\u00e9e au d\u00e9biteur hypoth\u00e9caire, et celui-ci est en d\u00e9faut de paiement d'une partie ou de la totalit\u00e9 de ce montant depuis trois mois \u00e0 compter de la signification.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Some interest under the mortgage is in <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/arrieres-de-loyer-commercial-guide-pratique-a-lintention-des-locataires-commerciaux\/\">arrears<\/a> and unpaid for\u00a0two weeks\u00a0after becoming due.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>There has been a <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/que-faire-si-votre-locataire-commercial-ne-respecte-pas-le-bail\/\">breach<\/a> of some provision contained in the mortgage deed or in the LPA 1925, other than a covenant to pay the mortgage money or interest.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Importantly,\u00a0almost all\u00a0modern <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\/conventions-dachat-dactions-qa\/\">agreements<\/a> contractually\u00a0modify\u00a0or exclude Section 103. This allows the lender&#8217;s powers to become\u00a0immediately\u00a0exercisable the moment a contractually defined\u00a0Event of Default\u00a0occurs, without waiting for the statutory periods to lapse.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Le statut d'agence et le principe de non-responsabilit\u00e9<\/strong>&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Q : Quelle est l'importance de la relation dite d\u201c\u201d agent pr\u00e9sum\u00e9 \u00bb dans le cadre d'une mise sous administration judiciaire au titre de la LPA ?<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R :<\/strong>\u00a0Sous\u00a0<strong><a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/Geo5\/15-16\/20\/section\/109\">Article 109, paragraphe 2, de la loi de 1925 sur la protection des personnes (LPA)<\/a><\/strong>, sauf disposition contraire expresse figurant dans l'acte hypoth\u00e9caire, le s\u00e9questre est r\u00e9put\u00e9 \u00eatre le mandataire du d\u00e9biteur hypoth\u00e9caire (l'emprunteur).\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This creates a deliberate legal construct with significant commercial <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/les-marqueurs-cifas-expliques-causes-consequences-et-solutions\/\">consequences<\/a>:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Protection du pr\u00eateur :<\/strong>\u00a0Le b\u00e9n\u00e9ficiaire agissant en tant que mandataire de l'emprunteur, le pr\u00eateur relais \u00e9chappe aux responsabilit\u00e9s incombant \u00e0 un \u201c cr\u00e9ancier hypoth\u00e9caire en possession \u201d. Un cr\u00e9ancier hypoth\u00e9caire en possession est en effet soumis \u00e0 une obligation stricte de rendre des comptes \u00e0 l'emprunteur et s'expose \u00e0 une responsabilit\u00e9 potentielle en cas de mauvaise gestion ou de gaspillage des biens.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Responsabilit\u00e9 de l'emprunteur :<\/strong>\u00a0L'emprunteur reste seul responsable des actes, omissions, contrats et n\u00e9gligences du syndic pendant la dur\u00e9e de la mise sous administration judiciaire.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>R\u00e9siliation du contrat d'agence :<\/strong>\u00a0If the borrower\u00a0enters into\u00a0compulsory <a href=\"https:\/\/rfblegal.co.uk\/fr\/services\/droit-des-affaires\/contentieux-commercial\/insolvabilite\/\">liquidation<\/a>, the receiver\u2019s status as an agent of the company ceases. However, the receiver&#8217;s power to hold and dispose of the secured asset survives, and they effectively act as a principal with respect to the property.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. Modalit\u00e9s proc\u00e9durales de la nomination<\/strong>&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Q : Quelles sont les d\u00e9marches administratives sp\u00e9cifiques qu\u2019un pr\u00eateur doit accomplir pour nommer valablement un administrateur judiciaire et \u00e9viter toute contestation quant \u00e0 la validit\u00e9 de cette nomination ?<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R :<\/strong>&nbsp;\u00c9tant donn\u00e9 qu\u2019une nomination non valide pourrait constituer un motif de recours,&nbsp;<strong>atteinte aux biens et aux terrains<\/strong>, lenders must strictly adhere to a precise <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/une-victoire-pour-lequite-procedurale-loxford-business-college-gagne-le-controle-judiciaire-contre-le-departement-de-leducation\/\">procedural<\/a> sequence:&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Survenance d'un cas de d\u00e9faillance :<\/strong>\u00a0Il doit y avoir un manquement contractuel av\u00e9r\u00e9 (par exemple, d\u00e9faut de remboursement \u00e0 l'\u00e9ch\u00e9ance, violation d'une clause financi\u00e8re non r\u00e9gularis\u00e9e).\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Signification d'une mise en demeure :<\/strong>\u00a0The lender must serve a contractually compliant formal demand for immediate repayment. If the charge document requires a specific notice period, that period must expire. If the loan is repayable &#8220;on demand,&#8221;\u00a0the lender <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/un-testament-peut-il-annuler-mes-accords-anterieurs\/\">va<\/a> often provide the\u00a0borrower a reasonable window to implement the payment transfer.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Rendez-vous :<\/strong>\u00a0The appointment must be in writing,\u00a0generally taking\u00a0the form of a deed. It must explicitly name the receiver and clearly\u00a0state\u00a0that the power of appointment under the <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/qa-deferred-consideration-security\/\">security<\/a> document has arisen.\u00a0If the appointment is via\u00a0deed\u00a0then the deed must be executed validly by the appointer (e.g., the lender). For companies, this typically requires signing by two directors, or one director and the company secretary. If signed by 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\/\">individual<\/a>, it must be signed in the presence of an independent witness\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Prise de fonction :<\/strong>\u00a0The appointment is legally ineffective until the receiver signs the deed or formally accepts the office. Under the <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> Rules, this acceptance must occur before the end of the <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/contrats-dentreprise-qa\/\">business<\/a> day following receipt of the instrument.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li><strong>Mentions l\u00e9gales :<\/strong>\u00a0<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Registre du commerce :<\/strong>\u00a0If the borrower is a <a href=\"https:\/\/rfblegal.co.uk\/fr\/categorie\/dentreprise\/\">corporate<\/a> entity, form\u00a0<strong>RM01<\/strong>\u00a0doit \u00eatre remis au greffe des soci\u00e9t\u00e9s dans un d\u00e9lai de\u00a0<strong>7 jours<\/strong>\u00a0de la nomination conform\u00e9ment \u00e0 l'article 859K de la loi de 2006 sur les soci\u00e9t\u00e9s.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cadastre :<\/strong>\u00a0La demande doit \u00eatre d\u00e9pos\u00e9e \u00e0 l'aide du formulaire\u00a0<strong>RX1<\/strong>\u00a0et\u00a0<strong>AP1<\/strong>\u00a0pour inscrire une restriction ou mentionner la nomination au regard du titre enregistr\u00e9.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. Champ d'application des comp\u00e9tences et strat\u00e9gies de gestion d'actifs<\/strong>&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Q : En quoi les strat\u00e9gies de cession d\u2019actifs du liquidateur diff\u00e8rent-elles selon qu\u2019il s\u2019agit d\u2019une charge fixe standard ou des pouvoirs l\u00e9gaux de base pr\u00e9vus par la loi sur la liquidation (LPA) ?<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R :<\/strong>&nbsp;Un administrateur judiciaire nomm\u00e9 en vertu de la loi (LPA) ne disposant que des pouvoirs minimaux a des comp\u00e9tences limit\u00e9es, qui se restreignent principalement \u00e0 la perception des loyers, \u00e0 la souscription d'une assurance pour le bien immobilier et \u00e0 la r\u00e9alisation de r\u00e9parations de base. Il ne dispose pas d'un pouvoir de vente inh\u00e9rent pr\u00e9vu par la loi ; ce pouvoir reste d\u00e9volu au pr\u00eateur.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche, un contrat qui conf\u00e8re des pouvoirs&nbsp;<strong>r\u00e9cepteur \u00e0 tarif forfaitaire<\/strong>&nbsp;fonctionne selon un large \u00e9ventail de pouvoirs express\u00e9ment \u00e9nonc\u00e9s dans l'acte hypoth\u00e9caire. Cela permet de mettre en \u0153uvre diff\u00e9rentes strat\u00e9gies de recouvrement :&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong><a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/litiges-relatifs-aux-prets-relais-comment-gerer-les-defauts-de-paiement-execution-et-clauses-abusives\/\">Application de la loi<\/a> Strategy<\/strong>&nbsp;<\/td><td><strong>M\u00e9canisme juridique et op\u00e9rationnel<\/strong>&nbsp;<\/td><td><strong>Objectif juridique principal<\/strong>&nbsp;<\/td><\/tr><tr><td><strong>R\u00e9alisation imm\u00e9diate<\/strong>&nbsp;<\/td><td>Disposal via public auction or <a href=\"https:\/\/rfblegal.co.uk\/fr\/base-de-connaissances\/client-prive\/\">private<\/a> treaty&nbsp;pursuant to&nbsp;express contractual powers of sale.&nbsp;<\/td><td>Rapid liquidation of the asset to extinguish the <a href=\"https:\/\/rfblegal.co.uk\/fr\/etiquette\/senior-partner\/\">senior<\/a> debt under volatile market <a href=\"https:\/\/rfblegal.co.uk\/fr\/details-du-compte-du-client\/\">conditions<\/a>.&nbsp;<\/td><\/tr><tr><td><strong>Gestion active des actifs<\/strong>&nbsp;<\/td><td>Regularisation of occupational tenancies, resolution of structural boundary disputes, or curing of <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/rediger-un-testament-et-planifier-son-avenir\/\">planning<\/a> <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/ce-que-tout-bailleur-commercial-doit-savoir-sur-les-ruptures-de-contrat-de-location\/\">breaches<\/a>.&nbsp;<\/td><td>Att\u00e9nuer les risques qui nuisent \u00e0 la n\u00e9gociabilit\u00e9 afin de maximiser la valeur de r\u00e9alisation brute.&nbsp;<\/td><\/tr><tr><td><strong>Ach\u00e8vement du projet de d\u00e9veloppement<\/strong>&nbsp;<\/td><td>Utilizing express powers to borrow funds, <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/service-repute-que-faire-si-votre-conjoint-ne-sengage-pas-dans-la-procedure-de-divorce\/\">engage<\/a> principal contractors, and complete outstanding works.&nbsp;<\/td><td>Avoiding the steep <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/what-is-my-business-worth-a-guide-to-sme-valuation-methods\/\">valuation<\/a> discounts applied by the market to incomplete or stalled construction sites.&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5. Priorit\u00e9s financi\u00e8res et r\u00e9partition des fonds<\/strong>&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Q : Quel est l'ordre de priorit\u00e9 pr\u00e9vu par la loi pour la r\u00e9partition des produits r\u00e9alis\u00e9s par le liquidateur ?<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R :<\/strong>\u00a0L'utilisation des fonds per\u00e7us par un administrateur judiciaire LPA est r\u00e9gie par\u00a0<a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/Geo5\/15-16\/20\/section\/109\"><strong>Article 109, paragraphe 8, de la loi de 1925 sur le droit immobilier<\/strong>.<\/a> Le produit doit \u00eatre r\u00e9parti dans l'ordre s\u00e9quentiel pr\u00e9cis suivant :\u00a0<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Loyer, charges et taxes :<\/strong>\u00a0Le paiement de toutes les d\u00e9penses, taxes fonci\u00e8res, imp\u00f4ts et cotisations grevant le bien hypoth\u00e9qu\u00e9.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Charges ant\u00e9rieures :<\/strong>\u00a0<a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/se-tenir-au-courant-de-la-loi-derniers-developpements-juridiques-pour-les-proprietaires-et-les-agents-de-gestion\/\">Keeping<\/a> down all annual sums or other payments, and the interest on all principal sums, having priority to the mortgage in <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/le-droit-de-preemption-informations-essentielles-pour-les-proprietaires-et-les-locataires\/\">right<\/a> whereof he is receiver.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Commission et frais du liquidateur :<\/strong>\u00a0Le paiement de la commission l\u00e9gale du syndic, des primes d'assurance et du co\u00fbt des r\u00e9parations effectu\u00e9es sur ordre du pr\u00eateur.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Int\u00e9r\u00eats subordonn\u00e9s\/prioritaires :<\/strong>\u00a0Le paiement des int\u00e9r\u00eats courus et exigibles sur tout capital d\u00fb au titre de l'hypoth\u00e8que.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li><strong>Capital :<\/strong>\u00a0Paiement du montant principal d\u00fb au titre de l'hypoth\u00e8que (le capital de la dette relais, y compris les p\u00e9nalit\u00e9s contractuelles en cas de d\u00e9faut de paiement).\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"6\" class=\"wp-block-list\">\n<li><strong>R\u00e9sidus exc\u00e9dentaires :<\/strong>\u00a0Le versement du solde final, le cas \u00e9ch\u00e9ant, \u00e0 la personne qui, sans la mise sous s\u00e9questre, aurait eu droit aux revenus du bien hypoth\u00e9qu\u00e9 (par exemple, les titulaires d'une charge de second rang ou l'emprunteur).\u00a0<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>6. Att\u00e9nuation des risques et mesures prises par l'emprunteur<\/strong>&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Q : Quels recours juridiques un emprunteur peut-il engager pour contester ou faire annuler une mise sous administration judiciaire ?<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R :<\/strong>&nbsp;Les emprunteurs contestent g\u00e9n\u00e9ralement ces d\u00e9cisions sur trois fronts juridiques principaux :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mesures injonctives :<\/strong>\u00a0Seeking an interim <a href=\"https:\/\/rfblegal.co.uk\/fr\/base-de-connaissances\/injonction-de-gel-quest-ce-que-cest-et-comment-cela-peut-aider\/\">injunction<\/a> to restrain the appointment or a proposed asset sale. To succeed, the borrower must satisfy the\u00a0<em>American Cyanamid<\/em>\u00a0principles,\u00a0demonstrating\u00a0there is\u00a0a serious issue\u00a0to be tried and that damages would not be an adequate <a href=\"https:\/\/rfblegal.co.uk\/fr\/base-de-connaissances\/mesures-financieres-pourquoi-ne-pas-faire-fi-de-toute-prudence\/\">remedy<\/a>.\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/reclamations-pour-vetuste-guide-a-lusage-des-proprietaires-de-logements-prives\/\">Claims<\/a> for Breach of Duty:<\/strong>\u00a0Si les liquidateurs n\u2019ont pas l\u2019obligation g\u00e9n\u00e9rale de diligence envers les emprunteurs consistant \u00e0 choisir le moment le plus opportun pour vendre, ils ont toutefois une obligation \u00e9quitable d\u2019agir de bonne foi. Ils doivent prendre\u00a0<strong>prendre toutes les mesures raisonnables pour obtenir le meilleur prix raisonnablement possible<\/strong>\u00a0at the time of the sale.\u00a0If a receiver dumps an asset via a fire-sale without proper <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/le-marketing-des-memes-les-responsables-des-medias-sociaux-doivent-se-mefier-des-pieges-juridiques\/\">marketing<\/a>, the borrower\u00a0may\u00a0bring a claim\u00a0for the shortfall.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Moratoires en mati\u00e8re d'insolvabilit\u00e9 :<\/strong>\u00a0Si l'emprunteur est une personne morale \u00e9ligible, le d\u00e9p\u00f4t d'une demande de\u00a0<strong>Administration<\/strong>\u00a0en vertu de l'annexe B1 de la loi de 1986 sur l'insolvabilit\u00e9, cela d\u00e9clenche une proc\u00e9dure automatique pr\u00e9vue par la loi\u00a0<strong>moratoire<\/strong>. This prevents a fixed-charge or LPA receiver from\u00a0commencing\u00a0or continuing enforcement actions without the consent of the administrator or the <a href=\"https:\/\/rfblegal.co.uk\/fr\/perspectives\/ronald-fletcher-baker-llp-selborne-chambers-obtient-lautorisation-de-faire-appel-dans-une-affaire-de-primes-dassurance\/\">permission<\/a> of the court.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Nous contacter \u2013 David Burns, associ\u00e9 principal charg\u00e9 du contentieux&nbsp;<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Senior <a href=\"https:\/\/rfblegal.co.uk\/fr\/etiquette\/litigation-team-br\/\">Litiges<\/a> Partner David Burns&nbsp;has&nbsp;extensive experience acting on behalf of borrowers where lenders have appointed receivers.&nbsp;&nbsp;For enquiries on this topic, please <a href=\"https:\/\/rfblegal.co.uk\/fr\/nous-contacter\/\">contact<\/a> David Burns via email&nbsp;<a href=\"mailto:d.burns@rfblegal.co.uk\" target=\"_blank\" rel=\"noreferrer noopener\">d.burns@rfblegal.co.uk<\/a>&nbsp;ou composez directement le 0207 467 5751.&nbsp;&nbsp;<\/p>","protected":false},"author":12,"featured_media":9956,"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-9947","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 lenders often appoint receivers pursuant to statutory and contractual powers to quickly recover outstanding debts when borrowers default on their loans. 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Cet article pr\u00e9sente certaines des questions fr\u00e9quemment pos\u00e9es concernant le processus de nomination, les cadres juridiques et les m\u00e9canismes de recouvrement r\u00e9gissant les mises sous s\u00e9questre pour garantie r\u00e9elle et celles relevant de la loi sur la propri\u00e9t\u00e9 (Law of Property Act, LPA). 1. 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