{"id":38173,"date":"2014-05-27T07:29:43","date_gmt":"2014-05-27T07:29:43","guid":{"rendered":"http:\/\/www.agglotv.com\/?p=38173"},"modified":"2014-05-27T07:29:43","modified_gmt":"2014-05-27T07:29:43","slug":"roland-courteau-veut-interdire-les-prelevements-bancaires-sur-les-biens-insaisissables","status":"publish","type":"post","link":"https:\/\/www.agglotv.com\/?p=38173","title":{"rendered":"Roland Courteau veut interdire les pr\u00e9l\u00e8vements bancaires sur les biens insaisissables"},"content":{"rendered":"<div class=\"alignleft\"><script type=\"text\/javascript\"><!--\ngoogle_ad_client = \"pub-2913804460579993\";\n\/* 300x250, date de cr\u00e9ation 09\/09\/10 *\/\ngoogle_ad_slot = \"3968300003\";\ngoogle_ad_width = 300;\ngoogle_ad_height = 250;\n\/\/-->\n<\/script><br \/>\n<script type=\"text\/javascript\"\nsrc=\"http:\/\/pagead2.googlesyndication.com\/pagead\/show_ads.js\">\n<\/script><\/div>\n<p>Le S\u00e9nateur Audois a d\u00e9pos\u00e9 une Proposition de loi, visant \u00e0 interdire les pr\u00e9l\u00e8vements de commissions bancaires sur le reste \u00e0 vivre des m\u00e9nages. \u00ab Est-il acceptable que certaines banques pr\u00e9l\u00e8vent des commissions sur les comptes des m\u00e9nages b\u00e9n\u00e9ficiant de minima sociaux ? \u00bb s\u2019est il interrog\u00e9 r\u00e9cemment au S\u00e9nat.<\/p>\n<p>Roland Courteau l\u2019a rappel\u00e9 \u00abUne saisie ne peut \u00eatre effectu\u00e9e sur un compte bancaire sans une d\u00e9cision de justice l\u2019autorisant \u00bb. Ainsi, un \u00e9tablissement de cr\u00e9dit qui pr\u00e9l\u00e8ve des commissions \u00e0 raison de l\u2019irr\u00e9gularit\u00e9 du fonctionnement d\u2019un compte bancaire ne dispose d\u2019aucun titre pour y proc\u00e9der et ne devrait, juridiquement, pouvoir op\u00e9rer une telle saisie.<\/p>\n<p>C\u2019est donc au m\u00e9canisme de la compensation de l\u2019article 1289 du code civil que certaines banques semblent recourir. Or, explique Roland Courteau, \u00ab s\u2019il existe des dispositions expresses pr\u00e9voyant l\u2019insaisissabilit\u00e9 des cr\u00e9ances d\u2019aliments, aucune assimilation n\u2019est faite avec le m\u00e9canisme de la compensation. Voil\u00e0 comment certaines banques en viennent \u00e0 pr\u00e9lever les frais bancaires sur les minima sociaux, contredisant l\u2019esprit des r\u00e9formes l\u00e9gislatives successives des trente derni\u00e8res ann\u00e9es. \u00bb<!--more--><\/p>\n<p>Et le s\u00e9nateur de conclure \u00ab Il convient d\u2019exclure toute possibilit\u00e9 de compensation sur un compte \u00e0 partir du moment ou les biens sur ce dernier sont d\u00e9clar\u00e9s insaisissables par la loi, c\u2019est le sens de la proposition de loi que je d\u00e9pose aujourd\u2019hui \u00bb.<\/p>\n<p><a href=\"http:\/\/www.roland-courteau.com\/\">www.roland-courteau.com<\/a><\/p>\n<p><center><script type=\"text\/javascript\"><!--\ngoogle_ad_client = \"ca-pub-2913804460579993\";\n\/* Comm *\/\ngoogle_ad_slot = \"9074092525\";\ngoogle_ad_width = 468;\ngoogle_ad_height = 15;\n\/\/-->\n<\/script><br \/>\n<script type=\"text\/javascript\"\nsrc=\"http:\/\/pagead2.googlesyndication.com\/pagead\/show_ads.js\">\n<\/script><\/center><\/p>\n<table border=\"0\" align=\"center\">\n<tbody>\n<tr>\n<td>\n<div class=\"fb-like\" data-send=\"false\" data-layout=\"button_count\" data-width=\"150\" data-show-faces=\"false\"><\/div>\n<\/td>\n<td><script src=\"\/\/platform.linkedin.com\/in.js\" type=\"text\/javascript\">lang: fr_FR<\/script><script type=\"IN\/Share\" data-counter=\"right\"><\/script><\/td>\n<td><a href=\"https:\/\/twitter.com\/share\" class=\"twitter-share-button\" data-count=\"horizontal\" data-via=\"IciOnVousVoit\" data-lang=\"fr\">Tweeter<\/a><script type=\"text\/javascript\" src=\"\/\/platform.twitter.com\/widgets.js\"><\/script><\/td>\n<tr>\n<td><a href=\"http:\/\/www.scoop.it\" class=\"scoopit-button\" scit-position=\"horizontal\" >Scoop.it<\/a><script type=\"text\/javascript\" src=\"http:\/\/www.scoop.it\/button\/scit.js\"><\/script><\/td>\n<td><script type=\"text\/javascript\">var viadeoWidgetsJsUrl = document.location.protocol+\"\/\/widgets.viadeo.com\";(function(){var e = document.createElement('script'); e.type='text\/javascript'; e.async = true;e.src = viadeoWidgetsJsUrl+'\/js\/viadeowidgets.js'; var s = document.getElementsByTagName('head')[0]; s.appendChild(e);})();<\/script><\/p>\n<div class=\"viadeo-share\" data-display=\"btnlight\" data-count=\"right\" data-align=\"left\" data-partner-id=\"forzoovrqaoAviDtoqEjyhtvVo\"><\/div>\n<\/td>\n<td><g:plusone><\/g:plusone><\/td>\n<\/tr>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>Le S\u00e9nateur Audois a d\u00e9pos\u00e9 une Proposition de loi, visant \u00e0 interdire les pr\u00e9l\u00e8vements de commissions bancaires sur le reste \u00e0 vivre des m\u00e9nages. \u00ab Est-il acceptable que certaines banques pr\u00e9l\u00e8vent des commissions sur les comptes des m\u00e9nages b\u00e9n\u00e9ficiant de minima sociaux ? \u00bb s\u2019est il interrog\u00e9 r\u00e9cemment au S\u00e9nat. Roland Courteau l\u2019a rappel\u00e9 \u00abUne [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[28],"tags":[],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.agglotv.com\/index.php?rest_route=\/wp\/v2\/posts\/38173"}],"collection":[{"href":"https:\/\/www.agglotv.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.agglotv.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.agglotv.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.agglotv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=38173"}],"version-history":[{"count":1,"href":"https:\/\/www.agglotv.com\/index.php?rest_route=\/wp\/v2\/posts\/38173\/revisions"}],"predecessor-version":[{"id":38174,"href":"https:\/\/www.agglotv.com\/index.php?rest_route=\/wp\/v2\/posts\/38173\/revisions\/38174"}],"wp:attachment":[{"href":"https:\/\/www.agglotv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=38173"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.agglotv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=38173"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.agglotv.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=38173"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}