Illegality of the calculation of the interest rate on the basis of the Lombard year

banking law

Estimated reading time (in minutes) Under the terms of a judgment delivered on June 19, 2013, the first civil chamber of the Court of Cassation (appeal no. 12-16.651) ruled that “the conventional interest rate mentioned in writing in the deed of loan granted to...

How to dispute his TEG?

banking law

Estimated reading time (in minutes) Disputing the Global Effective Rate (TEG) is an essential element of a loan offer. The TEG must include in its calculation all the fees imposed by your banker to agree to finance you. It can thus be used to compare different offers...

Seizure: need to hold an enforceable title

banking law, Competition & Consumer Law

Estimated reading time (in minutes) Consumer loan Everyone is normally required to pay their debts, and it is of course not us, nor any other legal professional, who would come to contradict or minimize the scope of the famous article 2284 of the Civil Code, under...

The PEA PME-ETI: An investment opportunity

banking law

Estimated reading time (in minutes) Revolutionary investment  As everyone knows, the taxation associated with holding a securities account has continued to increase over the years, and today has reached a clearly penalizing threshold, not to say prohibitive. And for...

How do I dispute my bank charges?

banking law

Estimated reading time (in minutes) Question 1: Are there any illegal bank fees that some banks charge their customers? Bank charges  Today, with the role of the Banque de France and consumer associations, these  abuses  can be limited.Indeed, a broad system to fight...

What does prepayment of a loan involve?

banking law

Estimated reading time (in minutes) Loan repayment When a borrower receives an unexpected sum of money, he can choose to repay part or all of his loan before the scheduled end of the contract. However, it is important to note that the loan agreement may include...