Article L321-2 of the French Consumer Code
November 8, 2023
The provisions of this Title shall not preclude any legislative or regulatory provisions which provide for legal representation.
The provisions of this Title shall not preclude any legislative or regulatory provisions which provide for legal representation.
It is forbidden for an intermediary to take on or offer to take on for remuneration:1° Examining the situation of a debtor with a view to drawing up a repayment plan;2° Seeking on behalf of a debtor to obtain payment deadlines or a debt remission.3° Intervening on behalf of the debtor, in any form whatsoever, for the purposes of the over-indebtedness procedure.
Any advertising disseminated by or on behalf of a natural or legal person who provides assistance, in any capacity whatsoever and in any manner whatsoever, directly or indirectly, in obtaining one or more loans of money by an individual, with the exception of the credit transactions mentioned in Article L. 312-1, prominently features the following statement: “No payment of any kind whatsoever may be required from a private individual prior…
All advertising and documents intended for borrowers and distributed by or on behalf of a credit intermediary within the meaning of 3° of Article L. 311-1 indicate, in an apparent manner, the extent of the intermediary’s powers, and in particular whether he works on an exclusive basis with one or more lenders or as an independent broker.
Prior to the conclusion of a credit agreement relating to one of the transactions mentioned in Article L. 312-1, the credit intermediary and the borrower shall agree in writing or on another durable medium any fees payable by the borrower to the credit intermediary for its services. The credit intermediary shall inform the creditor of these charges, for the purposes of calculating the annual percentage rate of charge.
Subject to the provisions of the second paragraph, a creditor who grants credit without providing the borrower with pre-contractual information under the conditions set out in article L. 312-12 or, for account overdraft transactions, in Article L. 312-85 is deprived of the right to interest. In the event that the annual percentage rate of charge determined in accordance with articles L. 314-1 to L. 314-4, the lender may be deprived…
A lender who has not complied with the obligations set out in articles L. 312-14 and L. 312-16 is deprived of the right to interest, in full or in the proportion set by the judge.
A creditor who grants credit without handing over and having signed or validated electronically the form referred to in article L. 312-17 is deprived of the right to interest.
Subject to the provisions of the second paragraph, a creditor who grants credit without providing the borrower with an agreement satisfying the conditions laid down in Articles L. 312-18, L. 312-21, L. 312-28, L. 312-29, L. 312-43 and, for account overdraft transactions, by articles L. 312-85 to L. 312-87 and L. 312-92, shall forfeit the right to interest. In the event that the annual percentage rate of charge determined in…
A creditor who grants revolving credit without providing the borrower with a contract satisfying the conditions set out in articles L. 312-64, L. 312-65 and L. 312-66 is deprived of the right to interest.
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is a Registered Trademark of
PETROFF LAW FIRM (SELARL LEGASTRAT)
182, rue de Rivoli
75001, Paris France
RCS Paris n°814433470
Paris Bar Registration n° (Toque) C2396
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is a Registered Trademark of
PETROFF LAW FIRM (SELARL LEGASTRAT)
182, rue de Rivoli
75001, Paris France
RCS Paris n°814433470
Paris Bar Registration n° (Toque) C2396
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