{"id":1209,"date":"2024-01-12T10:44:44","date_gmt":"2024-01-12T09:44:44","guid":{"rendered":"https:\/\/www.sarceabogados.es\/?page_id=1209"},"modified":"2024-02-18T11:46:51","modified_gmt":"2024-02-18T10:46:51","slug":"creditosalconsumo","status":"publish","type":"page","link":"https:\/\/www.sarceabogados.es\/fr\/credit-a-la-consommation\/","title":{"rendered":"cr\u00e9dits \u00e0 la consommation"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1209\" class=\"elementor elementor-1209\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c19e059 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"c19e059\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-af969af\" data-id=\"af969af\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7d65ac2 elementor-widget__width-auto elementor-mobile-align-center elementor-widget-mobile__width-auto elementor-widget elementor-widget-breadcrumbs\" data-id=\"7d65ac2\" data-element_type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/www.sarceabogados.es\/fr\">D\u00e9but<\/a><\/span><\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae018cf elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"ae018cf\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Cr\u00e9dits \u00e0 la consommation et pr\u00eats personnels<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa42be5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"fa42be5\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cb55d3d elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"cb55d3d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-8f75077\" data-id=\"8f75077\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-87477f8 elementor-widget elementor-widget-spacer\" data-id=\"87477f8\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-701c80f\" data-id=\"701c80f\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e488d02 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e488d02\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3481c14\" data-id=\"3481c14\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-333f55c elementor-widget elementor-widget-heading\" data-id=\"333f55c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Informez-vous<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef0a9fd elementor-widget elementor-widget-heading\" data-id=\"ef0a9fd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">696 079 956<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eedcde6 elementor-widget elementor-widget-heading\" data-id=\"eedcde6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">7 jours par semaine<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb87317 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"bb87317\" data-element_type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Siguiente&quot;,&quot;step_previous_label&quot;:&quot;Anterior&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"Nuevo formulario\" action=\"\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"1209\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"bb87317\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Sarce Abogados\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"nom\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_409760b elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_409760b]\" id=\"form-field-field_409760b\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"T\u00e9l\u00e9phone\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Courrier \u00e9lectronique\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100\">\n\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"4\" placeholder=\"Faites-nous part de vos doutes\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-checkbox elementor-field-group elementor-column elementor-field-group-field_9350713 elementor-col-100\">\n\t\t\t\t\t<div class=\"elementor-field-subgroup\"><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Deseo recibir comunicaciones comerciales de Sarce Abogados con novedades que puedan ser de mi inter\u00e9s.\" id=\"form-field-field_9350713-0\" name=\"form_fields[field_9350713]\"> <label for=\"form-field-field_9350713-0\">Je souhaite recevoir des communications commerciales de Sarce Abogados avec des nouvelles qui pourraient m&#039;int\u00e9resser.<\/label><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_71d2d1d elementor-col-100 recaptcha_v3-bottomright\">\n\t\t\t\t\t<div class=\"elementor-field\" id=\"form-field-field_71d2d1d\"><div class=\"elementor-g-recaptcha\" data-sitekey=\"6Lfgkk4pAAAAAAgTbHmdI6sbo5fJrGha5FKb8JuL\" data-type=\"v3\" data-action=\"Form\" data-badge=\"bottomright\" data-size=\"invisible\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Envoyer<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<input type=\"hidden\" name=\"trp-form-language\" value=\"fr\"\/><\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4ee8d6 elementor-widget elementor-widget-text-editor\" data-id=\"e4ee8d6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sarce Abogados traitera les informations que vous saisissez dans le formulaire pour vous contacter et r\u00e9pondre \u00e0 votre question. Vous pouvez acc\u00e9der, rectifier et supprimer les donn\u00e9es, ainsi qu&#039;exercer d&#039;autres droits, comme expliqu\u00e9 dans les informations compl\u00e9mentaires disponibles dans le <a href=\"https:\/\/www.marcoabogado.es\/politica-de-privacidad\/\" target=\"_blank\" rel=\"noopener noreferrer\">Politique de confidentialit\u00e9<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-73cadc5\" data-id=\"73cadc5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0b976b3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0b976b3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-caaf0b6\" data-id=\"caaf0b6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-99516cb elementor-view-framed elementor-shape-circle elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"99516cb\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-money-bill-wave\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tNOUS FACTURONS UNIQUEMENT SI VOUS R\u00c9CUP\u00c9REZ VOTRE ARGENT\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-23ce4ce\" data-id=\"23ce4ce\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57f11fd elementor-view-framed elementor-shape-circle elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"57f11fd\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-coins\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPAS D&#039;AVANCE <br>DES FONDS\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1fe8a6d\" data-id=\"1fe8a6d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fb82e56 elementor-view-framed elementor-shape-circle elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"fb82e56\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-house-user\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSANS BOUGER<br> DE TA MAISON\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c09df44 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c09df44\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d1cbebd\" data-id=\"d1cbebd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-88ae745 elementor-widget elementor-widget-heading\" data-id=\"88ae745\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">AI-JE UN CR\u00c9DIT OU UN PR\u00caT ABUSIF ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9f24b4b\" data-id=\"9f24b4b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-08d4dc9 elementor-widget elementor-widget-heading\" data-id=\"08d4dc9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pr\u00eats \u00e0 la consommation ou pr\u00eats abusifs ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4825031 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4825031\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cf6d23 elementor-widget elementor-widget-text-editor\" data-id=\"5cf6d23\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Vraiment le \u00ab<strong>int\u00e9r\u00eats abusifs<\/strong>&quot;, que nous appelons famili\u00e8rement ainsi, sont des int\u00e9r\u00eats usuraires et la loi \u00e0 appliquer sur l&#039;usure est la\u00a0<strong>Loi de r\u00e9pression de l&#039;usure de 1908.\u00a0<\/strong>Cette loi d\u00e9clare nulle \u00bb<strong>les int\u00e9r\u00eats sont sensiblement sup\u00e9rieurs au montant normal et manifestement disproportionn\u00e9s<\/strong>\u00bb. L&#039;un des arguments utilis\u00e9s par les banques pour s&#039;excuser de cette pratique \u00e9tait le consentement du consommateur, qui, en signant le contrat de pr\u00eat, en acceptait les conditions.<\/p><p>\u00a0<\/p><p>Eh bien, compte tenu de la situation p\u00e9nible dans laquelle vous vous \u00eates trouv\u00e9 lors de la signature ou de votre inexp\u00e9rience tout \u00e0 fait normale, l&#039;acceptation du contrat est erron\u00e9e, et encore plus si la banque a \u00e9t\u00e9 trompeuse ou vous a induit en erreur en vous faisant croire que des conditions ne l&#039;\u00e9taient pas.<\/p><p><strong><u>Arr\u00eat de la Cour supr\u00eame du 25 novembre 2015.\u00a0<\/u><\/strong>C&#039;est l&#039;arr\u00eat qui prot\u00e8ge de nombreux Espagnols qui ont d\u00e9j\u00e0 port\u00e9 plainte pour abus de leurs cr\u00e9dits personnels, contre qui le\u00a0<strong>int\u00e9r\u00eats usuraires<\/strong>, manifestement disproportionn\u00e9e aux circonstances de l\u2019esp\u00e8ce. En outre, l&#039;entreprise financi\u00e8re ne peut pas justifier le concours de circonstances qui justifient des int\u00e9r\u00eats excessifs, elle peut seulement invoquer le consentement du consommateur, qui a d\u00e9j\u00e0 \u00e9t\u00e9 jug\u00e9, avec la protection de la justice, comme n&#039;\u00e9tant pas une expression valable de volont\u00e9.<\/p><p>Pour \u00e9valuer si l&#039;int\u00e9r\u00eat est sup\u00e9rieur \u00e0 l&#039;int\u00e9r\u00eat normal de l&#039;argent,\u00a0<strong>Vous devez comparer le TAEG fix\u00e9 lors de l&#039;op\u00e9ration et le taux d&#039;int\u00e9r\u00eat moyen des cr\u00e9dits \u00e0 la consommation, \u00e0 la date \u00e0 laquelle vous l&#039;avez conclu.\u00a0<\/strong>Notez que le pourcentage du\u00a0<strong>AVR<\/strong>\u00a0(Taux annuel \u00e9quivalent), est calcul\u00e9 en prenant des taux l\u00e9galement pr\u00e9d\u00e9termin\u00e9s et en fonction des \u00ab d\u00e9penses \u00bb que l&#039;emprunteur doit simplement payer pour le pr\u00eat.<\/p><p><strong>Et surtout! Le pourcentage TAEG n\u2019est PAS nominal.\u00a0<\/strong>Avec ce pourcentage, nous pouvons savoir si les int\u00e9r\u00eats qu\u2019ils nous facturent sont sensiblement plus \u00e9lev\u00e9s que l\u2019argent normal. En aucun cas vous ne devez le comparer avec les int\u00e9r\u00eats nominaux.<\/p><p>La Banque d&#039;Espagne a mis \u00e0 votre disposition le calculateur de la Banque d&#039;Espagne, avec lequel vous pouvez effectuer ces op\u00e9rations simples. Le TAEG doit vous \u00eatre fourni par la banque si ce n&#039;est pas d\u00e9j\u00e0 fait. Elles ont l&#039;obligation de le faire en fonction de la \u00ab transparence \u00bb qui leur est l\u00e9galement exig\u00e9e, notamment en ce qui concerne le droit de l&#039;usager de comparer son offre de pr\u00eat avec celle des autres banques. annonce<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-bc7e489 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bc7e489\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-75b7345\" data-id=\"75b7345\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ba5810e elementor-widget elementor-widget-heading\" data-id=\"ba5810e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">POURQUOI SARCE AVOCATS ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8acd548\" data-id=\"8acd548\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-74fd98c elementor-widget elementor-widget-heading\" data-id=\"74fd98c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">POURQUOI PUIS-JE PLAISIR\u00a0?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efd3bb8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"efd3bb8\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a3387a elementor-widget elementor-widget-text-editor\" data-id=\"4a3387a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Des int\u00e9r\u00eats abusifs sont revendiqu\u00e9s en recourant \u00e0\u00a0<strong>Loi de r\u00e9pression de l&#039;usure<\/strong>, aussi appel\u00e9\u00a0<strong>Loi Azcarate<\/strong>, qui estime le<strong>\u00a0nullit\u00e9 de tous ces contrats\u00a0<\/strong>dans lequel l&#039;usure existe. Et cela peut s&#039;appliquer \u00e0 tout type de pr\u00eat, quel que soit le montant, l&#039;entit\u00e9 ou le client, \u00e0 condition que les int\u00e9r\u00eats d\u00e9passent les int\u00e9r\u00eats normaux sur l&#039;argent, comme nous l&#039;avons mentionn\u00e9 dans la section pr\u00e9c\u00e9dente.\u00a0<\/p><p>\u00a0<\/p><p>Maintenant, sur le papier, cela semble bien, mais\u2026 Comment se passe le\u00a0<strong>Loi Azcarate<\/strong>? Eh bien, nous allons vous indiquer les deux cas pratiques dans lesquels il serait possible de l&#039;appliquer :<\/p><p>\u00a0<\/p><ol><li>Vous avez peut-\u00eatre r\u00e9alis\u00e9 en lisant cet article que\u00a0<strong>Les int\u00e9r\u00eats moratoires sur votre pr\u00eat sont abusifs<\/strong>. Dans ce cas, vous le payez toujours, donc si vous vous adressez au tribunal et qu&#039;il tranche en votre faveur, vous devrez restituer le montant initial demand\u00e9 \u00e0 la banque, sans aucun int\u00e9r\u00eat. On continue avec l&#039;exemple que nous vous avons donn\u00e9 en d\u00e9but d&#039;article : si vous demandez 1 000 euros, vous restituez 1 000 euros, rien de plus. Parce que l\u2019entit\u00e9 gagnerait ill\u00e9galement le reste de l\u2019argent.\u00a0<\/li><li>Si vous avez fini de rembourser votre pr\u00eat il y a longtemps mais que vous r\u00e9alisez maintenant que vous avez pay\u00e9 votre pr\u00eat beaucoup plus d&#039;argent que ce qu&#039;il m\u00e9ritait r\u00e9ellement, vous avez encore le temps de<strong>\u00a0recourir \u00e0 la loi de r\u00e9pression de l&#039;usure<\/strong>. Comment cela fonctionnera-t-il dans ce cas ? Eh bien, la banque sera oblig\u00e9e de restituer tout l\u2019argent suppl\u00e9mentaire que vous avez pay\u00e9 en int\u00e9r\u00eats. Ou ce qui revient au m\u00eame : si vous avez demand\u00e9 1 000 euros et que vous avez d\u00fb en restituer 700 \u00e0 titre d&#039;int\u00e9r\u00eat, ces 700 vous seront restitu\u00e9s conform\u00e9ment aux d\u00e9cisions pr\u00e9c\u00e9dentes contre l&#039;usure.\u00a0<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-1139f51\" data-id=\"1139f51\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Cr\u00e9ditos al consumo y Prestamos personales Inf\u00f3rmate 696 079 956 7 d\u00edas a la semana Sarce Abogados tratar\u00e1 la informaci\u00f3n que introduzcas en el formulario para ponerse en contacto contigo y contestar a tu consulta. Puedes acceder, rectificar y suprimir los datos, as\u00ed como ejercer otros derechos, tal y como se explica en la informaci\u00f3n [&hellip;]<\/p>","protected":false},"author":4,"featured_media":1138,"parent":0,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1209","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cr\u00e9ditos al consumo | Sarce Abogados<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sarceabogados.es\/fr\/credit-a-la-consommation\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9ditos al consumo | Sarce Abogados\" \/>\n<meta property=\"og:description\" content=\"Cr\u00e9ditos al consumo y Prestamos personales Inf\u00f3rmate 696 079 956 7 d\u00edas a la semana Sarce Abogados tratar\u00e1 la informaci\u00f3n que introduzcas en el formulario para ponerse en contacto contigo y contestar a tu consulta. 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