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Credit Immobilier: the cost of bond mutual imposed by the Bank must be taken into account in calculating the APR

Under a landmark decision dated December 9, 2010 (Appeal No. 09-14977 ) the First Chamber of the Court of Cassation stated that "the Money paid by the borrower under the constitution of a guarantee fund created by a mutual guarantee company to ensure proper execution of the loan, whose amount is determined at the conclusion of the loan, is imposed as a condition granting it so it must be taken into account in calculating the overall effective rate .

This means that when the Annual Percentage Rate (APR) shown on the loan offer does not include the cost of bond mutual disqualifications to the interests of the Bank shall be delivered.

It is therefore a particularly heavy penalty for credit institutions.

The full text of this decision is:

"Having regard to Article L. 313-1 of the Consumer Code;

Whereas the CL X. .. consented to a loan of $ 496,983 EUR TEG 8.449% to fund the acquisition of property and with a guarantee underwritten by the company Interfimo, having repaid the loan early, MX .. sought in vain for the return of the holdback;

Whereas for the dismissal of M X. .. his request to see the disqualification rule to the interests of the lender because of the lack of integration of warranty costs in calculating the annual percentage rate, the Court of Appeal ruled that the burden of holdback that can not be accurately determined by the borrower previously the conclusion of the loan to the extent that reimbursement is uncertain in principle and in amount shall be considered one of the exceptions defined in Article L. 313-1, paragraph 2, of the Consumer Code;

What so ruling, while the amount paid by the borrower under the constitution of a guarantee fund set up by a mutual guarantee company to ensure the proper execution of the loan, whose amount is determined at the conclusion of the loan, is imposed as a condition for granting it so it must be taken into account when calculating the effective interest , Court of Appeal violated the said draft;

FOR THESE REASONS:

BRAIN AND VOID, in all its provisions, the ruling March 19, 2009, between the parties, the Court of Appeal of Dijon; shall, therefore, the cause and the parties in the state where they were before that Judgement, and to be granted, the returns before the appellate court in Besancon. "

Yann

Gre - Lawyer, All rights reserved. www.yanngre.com

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The concept of psychological contract in a group

A psychological contract is implicit in any group of persons (families, organizations, etc..) And any form of partnership (friendship, family, relationships between partners, etc.).. The psychological contract is the sum of mutual expectations about the nature of exchanges of two or more people within a relationship. This contract concerns is what everyone brings in a relationship and what he expects in return and it is important that the exchange initially appears to be fair.

can say that there will be breaking the psychological contract when either of the two parties perceive that the conditions the contract were not met. This loss will be named as a loss of trust and perceived as a lack, an emptiness, a disconnection from each other and / or group. When this occurs in a group, it is difficult to go further until you have restored the link and especially when a group of healing, growth or learning relationship skills .

Although it is relatively easy to collect this type of situation in a group, respond to and care will be much more difficult. In Over time, various options were explored and regulatory mechanisms have been proposed. By combining different approaches with different tools that the resource group and Focusing PAIH intends to take care of the experiences among participants. Once recognized and named, each situation considered problematic may be listened to in considering the preferred option by the person who wears it. Our tools include: Focusing relational , nonviolent communication , circle community spirit and circle restorer. Each method has its own color but all are inked in the benevolence and self-evers to each other.

To learn more about the concept of psychological contract, it is possible to visit the site and associated Clutterbuck .

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reform representation before the Courts of Appeal

In preparation for over two years, the Law Reform representation before the Courts of Appeal was finally adopted.

Law No. 2011-94 of January 25, 2011 was published in the Official Journal of 26 January 2011.

This law will come into force on 1 January 2012, removes the profession of solicitor and leads its merger with the legal profession.

The text of this Act may be accessed by clicking here .

Yann Gre - Lawyer, All rights reserved. www.yanngre.com

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2011 will be ..........

What will be 2011 .... On the photographic course, because I'm not going to turn into "Madame Sun" and you make astrological predictions!

After buying the wonderful D700 (which allows me to finally find true happiness and true records of the format 24x36), additional opportunities are available.

Already on the record "Hamiltonian" (or "romanticism" as I call it).
Placing a filter or low on the lens to blur creates a kind of slurry unusable on a aps-c. There, on the D700, it has always piqued despite the blur due to diffraction. Thus I will focus on this theme, already started in the studio (with Charlotte, Julie, Coralie ... and others) to be expected, the return of warm weather, outdoor (I really need outside!). All models (current or new) interested in this theme show! If you also have clothes or know of places to find this theme, I'm interested (even buy).

The big rise in ISO (3200 ISO virtually without noise) also opens the door to nocturnal themes or images in dark places without using the flash cell. I'll also focus on night photos , in Paris or another.

The topic water is still valid in the studio (in my garage because it is necessary to evacuate the water) but I hope for the outdoors! The difficulty is mainly to find models willing to play the game of "get wet" in the strict sense, in the rain (the real rain, because the studio is heated). Another advantage of the D700 and it is drip (so do not fear too much rain, it even when he has his "kway").

medieval themes, fairy tales and legends ... are also still valid. I'd like to find cons with these themes costumes, locations, makeup (ers), vanities (ers), retouching (ers) ... for a team finalized, because even if I "tinker" I do not level to create fantastic worlds, the "Royo" in another. Notice to person (s)!
I am also interested in all the themes that out of the ordinary: cute tattoos, manga and cosplay, strange world ... or even "trash" why not!

Finally, I am always interested in working the nude, to see erotica or "x-art but the unique status of a qualitative processing, with record or alterations type 'mode / beauty. "

There the problem and especially the later models, knowing that may well have understood that being exposed naked on the net, even on images called "art" may pose problems (Work, family ...). Besides most of the galleries of my site on this subject are now closed ... demand models, is to say thirty galleries ! It's still infuriating knowing that there were good images in these galleries, not to mention the time lost for nothing.
models pose less of "problems" for such images are models that have unfortunately found a good opportunity to ask for money, like most "a-sumer" pay .... And therefore have other considerations that the artistic side. Moreover, many are not even "physical labor", there are even times when it's scary!
But we will not return to the debate you know my position on this point. I do not do too many illusions about these topics.

More generally, I really want to black & white, especially as there also render the D700 is very good on this plan. Many also want to outside, a little sick of the studio (especially his claim that moving of equipment, installation, removal .... I "gutted" at the end of the meeting).

I recall again that all this is possible thanks to the models and that without them there would not have all these pictures. A big thank you for their investment.

I also remember that I am not "pro" (although last year I asked for a SIRET number but just introduced and still without having touched a penny, the URSAFF, taxes ... you fall over like vultures!) that I am VOLUNTARILY of photography as a hobby and I work full time in the audiovisual sector. In this case, I do not "take not the head "with commercial considerations, relational or other objects of" rank ", I do not have a photo" on demand "(marriages, births, portraits ...) EXCEPT for models and friend (s). I win and do not sell anything to the hobby. Ditto for the "price" and other "mini-internship" that I propose for fun and after that my health allows.

So I hope that 2011 will be a year fruitful, especially since it will be in June 10 years site as online, the first two sessions are still at the time with film (galleries Jessica and Sabrina in June 2001).

Added: besides, I think we should review the entire layout of the site or at least have an uncluttered presentation style "book", then left to go into details of archives, because for 10 years he has become so widespread that it is enough to get lost! : P