Article R312-35 of the French Consumer Code
Disputes arising from the application of the provisions of this chapter shall be heard by the court. Actions for payment brought before it in connection with the borrower’s default must be brought within two years of the event that gave rise to them on pain of foreclosure. This event is characterised by: the non-payment of sums due following the termination of the agreement or its expiry;or the first unsettled payment…