Publications
Seizure, disinheritance and inheritance of bank safes: procedures and legal regime
By Raphaël MORENON12 August 2025The bank safe is often perceived as an inviolable sanctuary for precious assets. However, this image of an impregnable fortress comes up against a complex legal reality. Far from being out of reach, the safe deposit box is subject to strict legal procedures that can lead to its forced opening, whether at the initiative of creditors, as part of an inheritance or in the event of prolonged inactivity. Navigating these situations requires a detailed understanding of the mechanisms involved, because the consequences of a poorly managed procedure can be significant. In order to understand the bank safe deposit box contract in its entirety, it is essential to be familiar with these specific situations. This article sets out in detail the legal regime governing the seizure, escheatment and inheritance of a safe-deposit box, specific banking procedures that involve the responsibility of all the parties involved. Seizure of the safe deposit box by the creditors of the...
Training
Models
Files
> The practice of seizing propertyA practical, chronological and exhaustive study of the implementation of a property seizure procedure.
We put all our expertise to work to achieve a simple objective: to prevent a property seizure.
The Total Effective Rate (TEG): definition and calculation methods
Credit always costs more than the banks say it will. The nominal interest rate only reflects part of the reality. Hence the existence of the Taux Effectif Global (TEG), the cornerstone of banking transparency. This indicator, often unknown to borrowers, nevertheless plays a decisive role in comparing...Understanding the legal framework for home loans
A house, a flat. For most people in France, buying a property is often the project of a lifetime. It is almost always financed by taking out a bank loan. Given the financial stakes involved and the length of the commitment, the legislator has gradually put in place a series of conditions...Term loans and life insurance
For a long time, the combination of a bullet loan and life insurance was presented as an ideal investment strategy. On the one hand, a loan for which you only repay the interest during the term of the loan, and on the other, an investment that is supposed to generate enough return to repay the capital at maturity. On the...Consumer credit disputes: deadlines and penalties
The legal battle between borrowers and lenders is based on specific procedural rules. Consumer credit litigation is a special field, with its own deadlines, penalties and subtleties. The Protection Litigation Judge - formerly the Court of First Instance - has exclusive jurisdiction...Interest rates and TEG: understanding the protective rules
``html Have you signed a credit contract but the real cost seems opaque? Borrowers are still unfamiliar with the legal protection afforded by interest rates. However, banks must comply with specific rules on transparency and information. Transparency of interest rates: protection against abuse The...Consumer credit guarantees: protecting the guarantor
How many people have signed a guarantee without considering all the consequences? A guarantee is often a heavy commitment for the person who accepts it. In the field of consumer credit, this guarantee gives rise to a great deal of litigation. French legislation has gradually put in place protective mechanisms...Bank overdrafts and consumer credit law
The bank overdraft, that red line that appears on your account, may seem simple on the surface. But when does it go from being a simple cash facility to consumer credit, with all the legal protections that implies? This article untangles the legal subtleties that govern...Revolving credit: precautions and legal framework
You've probably noticed it in shopping centres: that tempting offer to "pay in instalments" or that shop card promising benefits. These schemes often conceal revolving credit, a financial instrument governed by strict regulations. Legislators have gradually tightened the safeguards around revolving credit.Earmarked loans: when the purchase and its financing are linked
"I want to buy this kitchen on credit". A banal phrase, but one that conceals a complex legal reality: earmarked credit. Behind this commonplace transaction lies a special legal regime, a source of protection for consumers, but also of complications for those who do not master its subtleties. What is earmarked credit?The right of withdrawal: essential protection for borrowers
In the world of consumer credit, the legislator has provided essential safeguards to protect consumers. Among these, the right of withdrawal is a bulwark against hasty commitments. Introduced by the Scrivener Act of 10 January 1978, this mechanism - also known as the right of repentance...
EN 
FR