{"id":35606,"date":"2024-04-24T14:34:39","date_gmt":"2024-04-24T18:34:39","guid":{"rendered":"https:\/\/edilex.com\/?p=35606"},"modified":"2024-04-29T14:21:23","modified_gmt":"2024-04-29T18:21:23","slug":"payez-maintenant-et-argumentez-plus-tard","status":"publish","type":"post","link":"https:\/\/edilex.com\/fr\/blog\/2024\/04\/24\/payez-maintenant-et-argumentez-plus-tard\/","title":{"rendered":"Payez maintenant\u2026 et argumentez plus tard!"},"content":{"rendered":"\n<p>Les lettres de \u00ab\u2009cr\u00e9dit standby\u2009\u00bb ou de \u00ab\u2009garanties sur demande\u2009\u00bb d\u00e9livr\u00e9es par des institutions financi\u00e8res r\u00e9put\u00e9es sont maintenant consid\u00e9r\u00e9es dans le monde des affaires comme un moyen fiable de garantir les paiements et g\u00e9rer les risques. Les tribunaux h\u00e9sitent donc \u00e0 intervenir \u00e0 l\u2019\u00e9gard de ces instruments pour \u00e9viter de nuire \u00e0 leur fiabilit\u00e9. Le droit qui r\u00e9git les lettres de cr\u00e9dit repose sur deux principes fondamentaux&nbsp;: l\u2019autonomie et la stricte conformit\u00e9. Ces documents constituent des engagements autonomes par rapport \u00e0 l\u2019obligation qu\u2019ils garantissent. Il suffit alors de pr\u00e9senter des documents en apparence conformes aux conditions pr\u00e9cis\u00e9es pour que l\u2019institution financi\u00e8re \u00e9mettrice doive payer le montant demand\u00e9, sans \u00e9gard \u00e0 tout litige ou diff\u00e9rend entre le cr\u00e9ancier et le d\u00e9biteur. H\u00e9las, tout bon principe comporte une exception. Dans ce cas, c\u2019est celle de la fraude<a href=\"#_ftn1\" id=\"_ftnref1\">[1]<\/a>.<\/p>\n\n\n\n<p>Alors, en quoi consiste exactement cette exception de fraude\u2009? Cette exception vise \u00e0 maintenir un \u00e9quilibre entre le respect du caract\u00e8re autonome des lettres de cr\u00e9dit et le besoin de prohiber la fraude dans les transactions commerciales. Ici, il ne s\u2019agit pas de \u00ab\u2009fraude\u2009\u00bb au sens du droit criminel, mais bien de fraude civile ou commerciale, ce qui a une port\u00e9e plus large. Si les documents pr\u00e9sent\u00e9s sont des faux, malgr\u00e9 leur apparence conforme, l\u2019institution financi\u00e8re \u00e9mettrice est justifi\u00e9e de ne pas payer le cr\u00e9dit, ou le tribunal est justifi\u00e9 d\u2019\u00e9mettre une injonction interdisant \u00e0 l\u2019institution financi\u00e8re de payer, selon le cas. Par contre, cette exception ne se limite pas aux cas o\u00f9 les documents sont frauduleux\u2009; elle comprend \u00e9galement tout acte du b\u00e9n\u00e9ficiaire qui aurait pour effet de lui permettre d\u2019obtenir frauduleusement le b\u00e9n\u00e9fice du cr\u00e9dit.<\/p>\n\n\n\n<p>\u00c0 ce sujet, la Cour supr\u00eame<a href=\"#_ftn2\" id=\"_ftnref2\">[2]<\/a> a d\u00fb r\u00e9cemment d\u00e9cider si, en droit qu\u00e9b\u00e9cois, la conduite d\u2019un donneur d\u2019ordre relativement \u00e0 une lettre de contre\u2011garantie qu\u00e9b\u00e9coise \u00e9quivalait \u00e0 de la \u00ab\u2009fraude d\u2019un tiers\u2009\u00bb au sens de l\u2019arr\u00eat&nbsp;<em>Angelica\u2011Whitewear<\/em> et si, dans l\u2019affirmative, cette fraude d\u2019un tiers pouvait \u00eatre imput\u00e9e \u00e0 la partie b\u00e9n\u00e9ficiaire de celle\u2011ci, de sorte que l\u2019exception de fraude puisse s\u2019appliquer. Pour r\u00e9sumer bri\u00e8vement les faits de cette affaire, il est question d\u2019une lettre de contre\u2011garantie r\u00e9gie par le droit qu\u00e9b\u00e9cois d\u00e9livr\u00e9e par la Banque Nationale du Canada (ci-apr\u00e8s \u00ab\u2009BNC\u2009\u00bb) \u00e0 la demande de sa cliente, Bombardier inc. (ci-apr\u00e8s \u00ab\u2009Bombardier\u2009\u00bb), en faveur d\u2019Eurobank Ergasias S.A. (ci-apr\u00e8s \u00ab\u2009Eurobank\u2009\u00bb), une banque grecque. Bombardier a sign\u00e9 un contrat complexe pour la fourniture d\u2019a\u00e9ronefs au minist\u00e8re de la D\u00e9fense de la Gr\u00e8ce (ci-apr\u00e8s \u00ab\u2009MDG\u2009\u00bb). Dans le cadre de cette transaction, Eurobank a d\u00e9livr\u00e9 une lettre de garantie distincte en faveur du MDG assujettie au droit grec. L\u2019objectif de ces lettres de cr\u00e9dit interd\u00e9pendantes est clair&nbsp;: si MDG demande \u00e0 Eurobank d\u2019honorer la lettre grecque, Eurobank a alors le droit d\u2019exiger un remboursement de BNC en vertu de la lettre de contre\u2011garantie qu\u00e9b\u00e9coise. Or, un diff\u00e9rend survient entre Bombardier et MDG qui doit \u00eatre tranch\u00e9 par un tribunal arbitral. MDG s\u2019engage \u00e0 ne pas demander \u00e0 Eurobank de lui verser les sommes en vertu de la lettre de garantie avant que soit rendue la sentence arbitrale. Malgr\u00e9 cet engagement, et contrairement aux ordonnances interdisant que soient vers\u00e9es les sommes avant la fin de la proc\u00e9dure d\u2019arbitrage, MDG exige qu\u2019Eurobank les lui verse imm\u00e9diatement. Eurobank obtemp\u00e8re et se tourne vers BNC pour r\u00e9cup\u00e9rer ces sommes en vertu de la contre-garantie.<\/p>\n\n\n\n<p>La Cour supr\u00eame nous enseigne que la notion de \u00ab\u2009fraude d\u2019un tiers\u2009\u00bb comporte deux \u00e9l\u00e9ments essentiels&nbsp;: la connaissance et la participation du b\u00e9n\u00e9ficiaire de la lettre de cr\u00e9dit. Ici, la connaissance ne peut se limiter \u00e0 des soup\u00e7ons\u2009; elle doit \u00eatre r\u00e9elle. La participation doit comprendre des actes irr\u00e9guliers, malhonn\u00eates ou trompeurs et peut inclure tout acquiescement \u00e0 une demande de paiement dans des circonstances irr\u00e9guli\u00e8res. Lorsque ces deux \u00e9l\u00e9ments sont r\u00e9unis, la fraude de l\u2019un peut alors \u00eatre imput\u00e9e \u00e0 l\u2019autre comme s\u2019il s\u2019agissait de sa propre fraude.<\/p>\n\n\n\n<p>Dans l\u2019affaire qui nous concerne, la Cour supr\u00eame conclut (\u00e0 la majorit\u00e9) qu\u2019il est \u00e9tabli que MDG a commis une fraude et que le b\u00e9n\u00e9ficiaire de la lettre de cr\u00e9dit r\u00e9gie par le droit qu\u00e9b\u00e9cois, soit Eurobank, avait connaissance de cette fraude et y a particip\u00e9. De ce fait, la fraude devient \u00e9galement celle d\u2019Eurobank. Par cons\u00e9quent, l\u2019exception de fraude trouve application et BNC ne peut payer Eurobank. Comme quoi il faut toujours \u00eatre vigilant, m\u00eame quand on propose de vous payer maintenant et d\u2019argumenter plus tard.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><a href=\"#_ftnref1\" id=\"_ftn1\">[1]<\/a> Dans l\u2019arr\u00eat&nbsp;<em>Banque de Nouvelle\u2011\u00c9cosse<\/em> c. <em>Angelica\u2011Whitewear Ltd.<\/em>, [1987] 1 R.C.S. 59, la Cour supr\u00eame du Canada a reconnu en droit canadien l\u2019exception de fraude opposable \u00e0 l\u2019obligation quasi absolue qui incombe aux institutions financi\u00e8res \u00e9mettrices d\u2019honorer les demandes de paiement pr\u00e9sent\u00e9es au titre des lettres de cr\u00e9dit (ci-apr\u00e8s \u00ab\u2009<em>Angelica\u2011Whitewear<\/em>\u2009\u00bb).<\/p>\n\n\n\n<p><a href=\"#_ftnref2\" id=\"_ftn2\">[2]<\/a> <em>Eurobank Ergasias S.A.<\/em> c. <em>Bombardier inc.<\/em>, 2024 CSC 11 (jj. Karakatsanis et C\u00f4t\u00e9 sont dissidentes).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les lettres de \u00ab\u2009cr\u00e9dit standby\u2009\u00bb ou de \u00ab\u2009garanties sur demande\u2009\u00bb d\u00e9livr\u00e9es par des institutions financi\u00e8res r\u00e9put\u00e9es sont maintenant consid\u00e9r\u00e9es dans le monde [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":35612,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[20],"tags":[],"class_list":["post-35606","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites-juridiques"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Cr\u00e9dit standby : Payez maintenant\u2026 et argumentez plus tard!<\/title>\n<meta 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