{"id":216,"date":"2021-03-13T00:00:00","date_gmt":"2021-03-12T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2020\/01\/13\/opposition-sur-cheque-consequences-pour-le-titulaire-du-compte\/"},"modified":"2021-12-15T16:23:03","modified_gmt":"2021-12-15T14:23:03","slug":"opposition-sur-cheque-consequences-pour-le-titulaire-du-compte","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/opposition-sur-cheque-consequences-pour-le-titulaire-du-compte\/","title":{"rendered":"Opposition sur ch\u00e8que : Cons\u00e9quences pour le titulaire du compte"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Sauf \u00e0 d\u00e9tenir une lettre de d\u00e9sistement ou de renonciation du b\u00e9n\u00e9ficiaire, la banque doit d\u00e9biter le compte du montant du ch\u00e8que mis en opposition et bloquer la provision correspondante.<\/strong><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tant que le ch\u00e8que ne s'est pas pr\u00e9sent\u00e9 au paiement<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La banque n'est pas comp\u00e9tente pour juger de la validit\u00e9 de l'opposition. Elle doit donc pr\u00e9server les droits du b\u00e9n\u00e9ficiaire du ch\u00e8que au cas o\u00f9 celui-ci contesterait la validit\u00e9 de l'opposition. C'est pourquoi, \u00e0 r\u00e9ception de l'opposition, la banque d\u00e9bite le compte du montant du ch\u00e8que et bloque cette somme.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Un ch\u00e8que dat\u00e9, qui n'a pas \u00e9t\u00e9 pr\u00e9sent\u00e9 au paiement dans le d\u00e9lai de 1 an et 8 jours, n'est plus valable : inutile de maintenir l'<strong>opposition<\/strong> au-del\u00e0. Au cas o\u00f9 la provision a \u00e9t\u00e9 bloqu\u00e9e, les fonds peuvent donc \u00eatre restitu\u00e9s.<\/li><li>Pour un ch\u00e8que non dat\u00e9, la p\u00e9riode de validit\u00e9 (1 an et 8 jours \u00e0 partir de la date d'\u00e9mission) n'a pas de signification. L'opposition doit donc \u00eatre maintenue tant que le risque de pr\u00e9sentation du ch\u00e8que reste consid\u00e9r\u00e9 comme important.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Si le ch\u00e8que se pr\u00e9sente au paiement<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si le ch\u00e8que est pr\u00e9sent\u00e9 au paiement, il sera retourn\u00e9 \u00e0 la banque du b\u00e9n\u00e9ficiaire d\u00e9sign\u00e9 sur le ch\u00e8que et qui l'aura pr\u00e9sent\u00e9, avec le motif \"ch\u00e8que en opposition\".<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La banque demandera \u00e0 son client de prouver sa bonne foi avant de lui restituer le ch\u00e8que et si c'est le cas, il lui appartiendra s'il le souhaite, de porter plainte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le cas contraire, le ch\u00e8que sera tenu \u00e0 la disposition de la justice car il pourrait s'agir d'un ch\u00e8que vol\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour aller plus loin : <a target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do;jsessionid=810B7EB457D96E7ABE6E966AA26FB89F.tpdjo03v_2?cidTexte=LEGITEXT000006072026\" rel=\"noreferrer noopener\">Legifrance - L'opposition sur ch\u00e8que aux art.L 131-35 et L131-84 C. mon. et fin.<\/a><\/p>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" 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bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"N&#039;\u00e9mettez pas de ch\u00e8que sans provision\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-cheque-sans-provision\/\">\n                N&#039;\u00e9mettez pas de ch\u00e8que sans provision            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Emettre un ch\u00e8que sans provision est un acte ill\u00e9gal et lourd de cons\u00e9quences. Qu&#039;est-ce qu&#039;un ch\u00e8que sans provision ? Que se passe-t-il si vous \u00e9mettez un tel ch\u00e8que ? 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D&#039;autres moyens de paiement, en particulier la carte bancaire, le pr\u00e9l\u00e8vement, le...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication\" style=\"background-color: #19a69b\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:374,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/le-cheque-8-reflexes-securite\/&quot;,&quot;title&quot;:&quot;Le ch\u00e8que - 8 r\u00e9flexes s\u00e9curit\u00e9&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:53}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"374\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-cheque-8-reflexes-securite\/\"\n         data-title=\"Le ch\u00e8que - 8 r\u00e9flexes s\u00e9curit\u00e9\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">&lt; 1 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Le ch\u00e8que - 8 r\u00e9flexes s\u00e9curit\u00e9\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-cheque-8-reflexes-securite\/\">\n                Le ch\u00e8que - 8 r\u00e9flexes s\u00e9curit\u00e9            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Avec un ch\u00e8que, vous pouvez payer ou \u00eatre pay\u00e9. Dans les 2 cas, vous devez \u00eatre particuli\u00e8rement vigilant pour \u00e9viter les tentatives de fraude. Conservez votre ch\u00e9quier en...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication publication--extract\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:275,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/maitriser-compte-incidents-offre-specifique\/&quot;,&quot;title&quot;:&quot;Ma\u00eetriser son compte en cas d\\u0027incidents : l\\u0027offre sp\u00e9cifique&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:40}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"275\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/maitriser-compte-incidents-offre-specifique\/\"\n         data-title=\"Ma\u00eetriser son compte en cas d&#039;incidents : l&#039;offre sp\u00e9cifique\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">3 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Ma\u00eetriser son compte en cas d&#039;incidents : l&#039;offre sp\u00e9cifique\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/maitriser-compte-incidents-offre-specifique\/\">\n                Ma\u00eetriser son compte en cas d&#039;incidents : l&#039;offre sp\u00e9cifique            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Pour les personnes en situation de fragilit\u00e9 financi\u00e8re, il existe une offre sp\u00e9cifique. Elle facilite la bonne gestion du compte gr\u00e2ce \u00e0 des produits et services bancaires...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Sauf \u00e0 d\u00e9tenir une lettre de d\u00e9sistement ou de renonciation du b\u00e9n\u00e9ficiaire, la banque doit d\u00e9biter le compte du montant du ch\u00e8que mis en opposition et bloquer la provision correspondante. Tant que le ch\u00e8que ne s'est pas pr\u00e9sent\u00e9 au paiement La banque n'est pas comp\u00e9tente pour juger de la validit\u00e9 de l'opposition. Elle doit donc [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":4448,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":4,"views":50542,"viewed_at":"1778489999","newsletter":"0","_yoast_wpseo_primary_category":106,"footnotes":""},"categories":[106,27,20],"tags":[],"class_list":["post-216","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-la-perte-ou-le-vol-de-cheque","category-le-cheque","category-mes-moyens-de-paiement"],"yoast_head":"<title>Opposition sur ch\u00e8que : Cons\u00e9quences pour le titulaire du compte - La perte ou le vol de ch\u00e8que - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Sauf \u00e0 d\u00e9tenir une lettre de d\u00e9sistement ou de renonciation du b\u00e9n\u00e9ficiaire, la banque doit d\u00e9biter le compte du montant du ch\u00e8que mis en opposition et bloquer la provision correspondante.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/opposition-sur-cheque-consequences-pour-le-titulaire-du-compte\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Opposition sur ch\u00e8que : Cons\u00e9quences pour le titulaire du compte - 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