Where the creditor, on the due date and without legitimate cause, refuses to receive the payment due to him or prevents it by his act, the debtor may give him formal notice to accept or allow performance.
The creditor’s formal notice halts the accrual of interest owed by the debtor and places the risks of the thing at the creditor’s charge, if they are not already there, except in the case of gross negligence or wilful misconduct on the part of the debtor.
It does not interrupt prescription.