{"id":19355,"date":"2020-09-04T13:04:39","date_gmt":"2020-09-04T13:04:39","guid":{"rendered":"https:\/\/avoloi.eu\/?p=19355"},"modified":"2020-09-04T13:04:39","modified_gmt":"2020-09-04T13:04:39","slug":"larret-du-jour-216-very-bad-clic","status":"publish","type":"post","link":"https:\/\/avoloi.fr\/blog\/larret-du-jour-216-very-bad-clic\/","title":{"rendered":"L’arr\u00eat du jour #216 Very bad clic"},"content":{"rendered":"
\n

C\u2019est l\u2019histoire d\u2019un client d\u2019une banque qui fait l\u2019exp\u00e9rience d\u2019un \u00ab very bad clic \u00bb\u2026<\/h3>\n

Suite \u00e0 la r\u00e9ception d\u2019un mail, le client d\u2019une banque clique sur un lien cens\u00e9 lui permettre de s\u00e9curiser ses achats par carte bancaire. Peu de temps apr\u00e8s, il s\u2019aper\u00e7oit que plusieurs pr\u00e9l\u00e8vements, qu\u2019il n\u2019a pas autoris\u00e9s, ont \u00e9t\u00e9 effectu\u00e9s sur son compte bancaire\u2026<\/p>\n

L\u2019objet du litige<\/h3>\n
Le client d\u00e9cide alors de r\u00e9clamer le remboursement de ces op\u00e9rations frauduleuses \u00e0 sa banque. Sauf que le client aurait d\u00fb se rendre compte qu\u2019il avait re\u00e7u un mail frauduleux, r\u00e9torque celle-ci, notamment au regard du contenu impersonnel du mail et de sa syntaxe approximative. La transmission des informations confidentielles est donc bien le fait de la n\u00e9gligence du client lui-m\u00eame, estime la banque, ce qui le prive de tout d\u00e9dommagement selon elle\u2026<\/div>\n
 <\/div>\n

Le verdict<\/h3>\n

Ce que confirme le juge : une banque n\u2019est pas tenue de prendre en charge les op\u00e9rations de paiement frauduleuses qui d\u00e9coulent de la n\u00e9gligence grave de ses clients. Ce qui est le cas ici, selon lui : malgr\u00e9 sa bonne foi, le client n\u2019a donc pas droit \u00e0 une indemnisation.<\/p>\n

\n

Source : Arr\u00eat de la Cour de cassation, chambre commerciale, du 1er juillet 2020, n\u00b0 18-21487<\/span><\/p>\n<\/blockquote>\n\n\n

En partenariat avec Weblex <\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

C\u2019est l\u2019histoire de fr\u00e8res et s\u0153urs qui, apr\u00e8s le d\u00e9c\u00e8s de leur p\u00e8re, se disputent sa succession\u2026<\/p>\n","protected":false},"author":2,"featured_media":19358,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[12,76,173],"class_list":["post-19355","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-larret-du-jour","tag-banque","tag-fraude","tag-remboursement"],"yoast_head":"\nL'arr\u00eat du jour #216 Very bad clic - Le blog Avoloi<\/title>\n<meta name=\"description\" content=\"C\u2019est l\u2019histoire d\u2019un client d\u2019une banque qui fait l\u2019exp\u00e9rience d\u2019un \u00ab very bad clic \u00bb\u2026\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/avoloi.fr\/blog\/larret-du-jour-216-very-bad-clic\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u2019arr\u00eat du jour #215 Succession et donation\" \/>\n<meta property=\"og:description\" content=\"C\u2019est l\u2019histoire de fr\u00e8res et s\u0153urs qui, apr\u00e8s le d\u00e9c\u00e8s de leur p\u00e8re, se disputent sa succession\u2026\" \/>\n<meta property=\"og:url\" content=\"https:\/\/avoloi.fr\/blog\/larret-du-jour-216-very-bad-clic\/\" \/>\n<meta property=\"og:site_name\" content=\"Le blog Avoloi\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/fr-fr.facebook.com\/avoloi\/\" \/>\n<meta property=\"article:published_time\" content=\"2020-09-04T13:04:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/avoloi.fr\/blog\/wp-content\/uploads\/2020\/08\/arret-du-jour-succession.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Avoloi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"L\u2019arr\u00eat du jour #215 Succession et donation\" \/>\n<meta name=\"twitter:description\" content=\"C\u2019est l\u2019histoire de fr\u00e8res et s\u0153urs qui, apr\u00e8s le d\u00e9c\u00e8s de leur p\u00e8re, se disputent sa succession\u2026\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/avoloi.fr\/blog\/wp-content\/uploads\/2020\/08\/arret-du-jour-succession.jpg\" \/>\n<meta name=\"twitter:creator\" content=\"@avoloi\" \/>\n<meta name=\"twitter:site\" content=\"@avoloi\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Avoloi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/larret-du-jour-216-very-bad-clic\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/larret-du-jour-216-very-bad-clic\\\/\"},\"author\":{\"name\":\"Avoloi\",\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/#\\\/schema\\\/person\\\/23b73188a8a805006f016e2a3cb617b1\"},\"headline\":\"L’arr\u00eat du jour #216 Very bad clic\",\"datePublished\":\"2020-09-04T13:04:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/larret-du-jour-216-very-bad-clic\\\/\"},\"wordCount\":244,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/larret-du-jour-216-very-bad-clic\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/09\\\/arret-du-jour-215-very-bad-clic.jpg\",\"keywords\":[\"banque\",\"fraude\",\"remboursement\"],\"articleSection\":[\"L\u2019arr\u00eat du jour\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/avoloi.fr\\\/blog\\\/larret-du-jour-216-very-bad-clic\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/larret-du-jour-216-very-bad-clic\\\/\",\"url\":\"https:\\\/\\\/avoloi.fr\\\/blog\\\/larret-du-jour-216-very-bad-clic\\\/\",\"name\":\"L'arr\u00eat du jour #216 Very bad clic - 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