<\/p>\n
Les entreprises doivent modifier leurs clauses de dommages-int\u00e9r\u00eats dans les conditions g\u00e9n\u00e9rales et les contrats conform\u00e9ment aux r\u00e8gles du livre XIX. Cette loi exige que les consommateurs soient clairement inform\u00e9s des int\u00e9r\u00eats de retard et des frais de recouvrement en cas de non-paiement dans les d\u00e9lais ; sans cette information, la clause de dommages-int\u00e9r\u00eats est inapplicable, avec d’\u00e9ventuelles sanctions. La loi du 4 mai 2023 introduit le livre XIX \u00ab\u00a0Dettes \u00e0 la consommation\u00a0\u00bb en remplacement de l’ancienne loi du 20 d\u00e9cembre 2002 relative au recouvrement des dettes \u00e0 la consommation.<\/p>\n
Les nouvelles r\u00e8gles se concentrent sur le recouvrement \u00e0 l’amiable des dettes de consommation dans les relations B2C, afin de prot\u00e9ger les consommateurs en retard de paiement. Elles s’appliquent aux factures \u00e0 partir du 1er septembre 2023 et pr\u00e9voient une p\u00e9riode de transition jusqu’au 1er d\u00e9cembre 2023 pour les contrats existants en retard de paiement.<\/p>\n
\u00c0 partir du 1er septembre 2023, les entreprises devront d’abord envoyer un rappel de paiement gratuit apr\u00e8s la date limite initiale, suivi d’une p\u00e9riode d’attente de 14 jours sans frais suppl\u00e9mentaires. Ce n’est qu’apr\u00e8s cette p\u00e9riode qu’ils peuvent appliquer la clause de dommages-int\u00e9r\u00eats conform\u00e9ment aux conditions ou contrats accept\u00e9s par le consommateur.
\nVous pouvez le faire via les options de rappel de notre solution financi\u00e8re (Finad).<\/b><\/p>\n
Le co\u00fbt des rappels de paiement suppl\u00e9mentaires ne devrait pas d\u00e9passer 7,50 euros plus les frais d’envoi \u00e0 ce moment-l\u00e0. La clause de dommages et int\u00e9r\u00eats a des limites : les int\u00e9r\u00eats moratoires ne peuvent pas d\u00e9passer les 12 % l\u00e9gaux, et les dommages et int\u00e9r\u00eats forfaitaires sont plafonn\u00e9s \u00e0 20 euros (jusqu’\u00e0 une dette de 150 euros), 30 euros + 10 % (entre 150,01 et 500 euros), et 65 euros + 5 % (au-del\u00e0 de 500 euros, maximum 2 000 euros).<\/p>\n
Les entreprises peuvent \u00eatre tenues de rembourser aux consommateurs les montants ind\u00fbment per\u00e7us en vertu du livre XIX.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"
Ajustez en temps utile votre gestion des d\u00e9biteurs. En Belgique, de nouvelles r\u00e8gles pour le recouvrement des cr\u00e9ances des consommateurs (B2C) sont en place depuis le 1er septembre 2023.<\/p>\n","protected":false},"author":1,"featured_media":4718,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[38,37],"tags":[],"class_list":["post-4199","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-vente-au-detail"],"acf":[],"_links":{"self":[{"href":"https:\/\/stg-gencom-staging.kinsta.cloud\/fr\/wp-json\/wp\/v2\/posts\/4199","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stg-gencom-staging.kinsta.cloud\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/stg-gencom-staging.kinsta.cloud\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/stg-gencom-staging.kinsta.cloud\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/stg-gencom-staging.kinsta.cloud\/fr\/wp-json\/wp\/v2\/comments?post=4199"}],"version-history":[{"count":3,"href":"https:\/\/stg-gencom-staging.kinsta.cloud\/fr\/wp-json\/wp\/v2\/posts\/4199\/revisions"}],"predecessor-version":[{"id":6063,"href":"https:\/\/stg-gencom-staging.kinsta.cloud\/fr\/wp-json\/wp\/v2\/posts\/4199\/revisions\/6063"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/stg-gencom-staging.kinsta.cloud\/fr\/wp-json\/wp\/v2\/media\/4718"}],"wp:attachment":[{"href":"https:\/\/stg-gencom-staging.kinsta.cloud\/fr\/wp-json\/wp\/v2\/media?parent=4199"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stg-gencom-staging.kinsta.cloud\/fr\/wp-json\/wp\/v2\/categories?post=4199"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stg-gencom-staging.kinsta.cloud\/fr\/wp-json\/wp\/v2\/tags?post=4199"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}