Contracts, consumer law and banking disputes
The law of contracts, reformed in 2016, offers precise tools: withholding performance, price reduction, termination, damages. Against a business, the Consumer Code adds the statutory guarantee of conformity, the right of withdrawal and the ban on unfair terms. The firm always begins with a reasoned formal notice, which is often enough, and then brings the appropriate proceedings before the tribunal judiciaire de Metz or, for small claims, a simplified procedure.
Disputes with a bank or an insurer have their own rules: the duty to warn, the annual percentage rate, borrower insurance, listing on the FICP register, the two-year limitation period for consumer credit. The banking dispute guide sets out the remedies.