Solent Avocats
About us
We are a french firm of lawyers dedicated to credit law, banking law and law of securities, guarantees and civil enforcement procedures.
Our founding partners have acquired the conviction, thanks to their experience within the consumer defence association UFC-Que Choisirthat a bad agreement is better than a long trial.
Our niche practice has led us to develop a rich editiorial offer which is based on the simple idea that knowledge must be shared freely.
We work with training organisations and law schools to pass on our expertise in the following areas QUALIOPI-certified training courses and recorded as part of lawyers' continuing education.
Know-how
Bank
Promissory note
Sales slip
Bank cheque
Postal cheque
Deposit account
Canvassing for banking or financial services
Duty to inform
Duty to advise
Duty to warn
Bank fraud
Banking transactions
Financing and credit
Factoring
Dailly transfer
Consumer credit
Affected credit
Free credit
Mortgage loan
Revolving credit
Account overdraft
Transfer advance loan
Equity loan
Life mortgage
Methods of execution
Attachment
Seizure of property
Attachment of receivables
Attachment of tangible movable property
Seizure of aircraft
Seizure of assets in a safe deposit box
Seizure of intangible rights
Seizure of ships
Seizure of earnings
Seizure of vehicles
Judicial sureties (judicial mortgages)
Publications
The life and end of the loan insurance contract
By Raphaël MORENON17 April 2025Mortgage borrowers are very familiar with creditor insurance, which is often seen as a simple formality when taking out a loan. But this is a simplistic view. This complex contract deserves special attention, both during its term and when it is terminated. Special features of loan insurance Loan insurance is a unique legal arrangement. It is based on a tangle of contractual relationships between three parties: the insurer, the credit institution (policyholder) and the borrower (policyholder). This contractual triangle explains the complexity of the applicable legal regime. The Court of Cassation has confirmed the existence of a direct contractual link between the insurer and the member, despite the intervention of the underwriter (Cass. 1re civ., 7 June 1989, no. 87-14.648). The originality of this construction does not end there: the credit institution plays a dual role. Initially the underwriter of the group policy, it generally becomes the beneficiary designated by the policyholder in the event of a claim. This makes for a tricky legal analysis. The...
Bank
Financing and credit
Methods of execution
Professional training
Catalogue
Overview of enforcement procedures and focus on seizure of property
Trainer : Raphaël MORENON.
Objective: provide an overview of current developments in the common core of enforcement procedures and in the seizure of real estate.
Level : from beginner to advanced.
Audience: lawyers.
Duration: 3 to 4 hours, depending on the training organisation's order.
Teaching aids : an 80+ slide Powerpoint containing references to all the case law.
The practice of seizing property
Trainer : Raphaël MORENON.
Objective: train the trainee in the implementation of a property seizure procedure from A to Z.
Level : from beginner to advanced.
Audience: lawyers, clerks, jurists.
Duration: 14 hours, delivered in two sessions of 7 hours or 4 sessions of 3.30 hours.
Teaching aids : a booklet of 130+ pages and around fifty models of CERFA deeds and forms.
The practice of price distribution
Trainer : Charlotte GAUCHON.
Objective: train the trainee in the implementation of a procedure for the distribution of the price on seizure of property.
Level : from beginner to advanced.
Audience: lawyers, clerks, jurists.
Duration: 7 hours, delivered in two sessions of 7 hours or 2 sessions of 3.30 hours.
Teaching aids : a 60+ page booklet with around fifty model deeds and CERFA forms (this bible is shared with our "Seizure of property" course).
The practice of judicial sales
Trainer : Raphaël MORENON.
Objective: enable trainees to handle judicial sales (auctions) independently, from the preparation of the file to the aftermath of the auction. Particular emphasis is placed on the difference between the different types of sale: seizure of property, licitation-sharing and judicial liquidation.
Level : from beginner to advanced.
Audience: lawyers.
Duration: 4 hours.
Teaching aids : a 40+ page booklet with around fifty model deeds and CERFA forms (this bible is shared with our "Seizure of property" course).
The practice of split-licensing
Trainer : Raphaël MORENON and Marie-Noëlle BLANC-GILLMANN.
Objective: handle the entire auction procedure from A to Z, in both phases: obtaining the decision ordering the auction, and the sale before the auction judge.
Level : from beginner to advanced.
Audience: lawyers.
Duration: 4 hours.
Teaching aids : a 40+ page booklet and some forty model CERFA documents and forms.
Mortgage practice
Trainer : Charlotte GAUCHON.
Objective: understand how mortgages work and acquire the know-how needed to publish and contest them.
Level : from beginner to advanced.
Audience: lawyers.
Duration: 2 hours.
Teaching aids : a 40+ page booklet and bible of model CERFA deeds and forms.
Defending against foreclosure
Trainer : Raphaël MORENON.
Objective: enable the trainee to understand how to defend a property seizure.
Level : from beginner to advanced.
Audience: lawyers.
Duration: 4 hours.
Teaching aids : a 40+ page booklet with around fifty model deeds and CERFA forms (this bible is shared with our "Seizure of property" course).
Lines of defence in attachment proceedings
Trainer : Charlotte GAUCHON.
Objective: enable trainees to understand how to defend an attachment.
Level : from beginner to advanced.
Audience: lawyers.
Duration: 3 hours.
Teaching aids : a 40+ page booklet.
Property information
Trainer : Raphaël MORENON.
Objective: know how to find out about a property, by contacting all the relevant authorities (property tax office, land registry, town planning, etc.).
Level : from beginner to advanced.
Audience: clerks, lawyers, jurists.
Duration: 2 hours.
Teaching aids : a 20+ page booklet and around fifteen CERFA forms (this bible is partly common to our "Seizure of property" training course).
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