A cheque not dated given as a guarantee of a loan of money is valid
Civil Law
Source: Supreme Court, Commercial Ch., 22nd Sept 2015, n°14-17.901 JurisData n° 2015-021015
As a guarantee of a loan of €500,000.00, the debtor gave the creditor a cheque for the same amount, not dated, from an account open in his own name.
The creditor dated the cheque and gave it for encashment.
The debtor having stopped payment on this cheque because of fraudulent use, the creditor issued a writ against both the bank and the debtor for the release of the cancellation.
The Court of Appeal of Versailles complied with this request.
The debtor complained that the judgement ordered the release of the cancellation of the cheque, mentioning in particular the fact that is considered null, as against public policy and therefore must have no effect, the agreement between the parties on the presentation of a cheque not dated, and the affixation of a false date, later on, in order to avoid the prescription, and allow its presentation for payment in spite of its expiration.
The Supreme Court dismissed the appeal.
The absence of date of the cheque at the time of its establishment results from an unambiguous agreement and presenting the cheque for encashment after filling in a date, the creditor only gave it the purpose of a guarantee cheque that both parties had conventionally used it for. From those findings and assessments, the Court of Appeal legally justified its decision.
History
-
La révélation d’une adoption n’est pas une faute
Published on : 24/04/2016 24 April Apr 04 2016Droit de la famille20162016 / AvrilVos parents sont vos parents. Depuis toujours. Puis, au détour d’une demande de copie intégrale d’acte de naissance, vous apprenez que finalement votre mère,...
-
Concubins, prenez garde en cas d’acquisition immobilière !
Published on : 08/02/2016 08 February Feb 02 2016Droit de la famille20162016 / FévrierLa situation est classique : Monsieur paie les échéances de l’emprunt immobilier et Madame la nourriture, les vêtements et les charges courantes. Et, à l’heu...
-
Pas de mise en demeure en cas de dénégation du droit au statut des baux commerciaux.
Published on : 24/01/2016 24 January Jan 01 2016Droit des affaires et de la consommation20162016 / JanvierDans cette affaire, une société immatriculée au registre du commerce et des sociétés pour des activités de vente d’objets d’arts a fait une demande de renouv...
-
Law applicable to a surety-bond loan: the provisions of the Civil Code and the Consumption Code do not constitute mandatory rules
Published on : 22/10/2015 22 October Oct 10 201520152015 / OctobreCivil Law / Commercial Law Source: Supreme Court, 1st Civil Ch. 16th Sept 2015, n°14-10.373 JurisData n° 2015-020553 On April 19th 2006, an Italian ban...
-
A cheque not dated given as a guarantee of a loan of money is valid
Published on : 22/10/2015 22 October Oct 10 201520152015 / OctobreCivil Law Source: Supreme Court, Commercial Ch., 22nd Sept 2015, n°14-17.901 JurisData n° 2015-021015 As a guarantee of a loan of €500,000.00, the debt...