Publications

The payment card has become an everyday tool, a reflex for paying for purchases or withdrawing cash. Behind this trivial gesture, however, lies an often dense and technical contract between the user and his bank. This document, known as the bearer contract, is not a simple form. It is...

The payment card has become an essential tool in economic life, simplifying day-to-day transactions for individuals and businesses alike. Behind its ease of use, however, lies a dense legal framework that defines the rights and obligations of each player: the cardholder, the card issuer and the...

Canvassing for banking and financial services is a commercial practice governed by a strict set of rules designed to protect savers and borrowers. Often perceived as intrusive, this sales method is nevertheless legal if it complies with a set of precise obligations. Our firm has observed that many disputes arise from a lack of understanding of...

The rules on usury, which aim to cap interest rates on loans, provide essential protection for borrowers. However, its scope is far from universal and has undergone major changes, creating a complex legal landscape in which some transactions are covered and others excluded. Understanding exactly which loans...

Regulations on usury are designed to protect borrowers against manifestly excessive interest rates. When a loan is deemed to be usurious, the consequences for the lender are not limited to a simple contractual correction. French law has put in place an arsenal of sanctions, both criminal and civil...

The total effective interest rate (TEG), replaced for some loans by the annual percentage rate (TAEG), represents much more than a simple percentage in a loan agreement. It expresses in figures the total and real cost of the loan to the borrower. Its determination is governed by legal and mathematical rules...

Regulations on usury protect borrowers against excessive interest rates, a practice as old as credit itself. For individuals and businesses alike, a loan is a structural commitment, but its terms and conditions can sometimes conceal costs that exceed legal thresholds. Navigating the complexities...

Securitisation is a sophisticated financial engineering operation that transforms illiquid assets into marketable securities. To better understand securitisation in its entirety, it is essential to look at the structure of the vehicle that carries it out: the securitisation vehicle (SPV). Its effectiveness...

A creditor has instructed a court commissioner to seize your bank account. Faced with this enforcement measure, the question arises: is it possible for a judge to cancel a debt? The direct answer is no. The JEX does not have the power to cancel a debt. However, his intervention...

The seizure of a ship is an enforcement measure that captures the imagination, evoking the forced immobilisation of a valuable asset, a symbol of trade and travel. Yet behind this image lies a complex legal reality, governed by a derogatory regime which, despite its practical importance, remains surprisingly outdated. The distinction...