{"id":255,"date":"2022-08-24T09:46:53","date_gmt":"2022-08-24T07:46:53","guid":{"rendered":"http:\/\/ivangavriloff.com\/?p=255"},"modified":"2022-08-24T09:46:53","modified_gmt":"2022-08-24T07:46:53","slug":"piece-49","status":"publish","type":"post","link":"https:\/\/ivangavriloff.com\/index.php\/2022\/08\/24\/piece-49\/","title":{"rendered":"Pi\u00e8ce #49"},"content":{"rendered":"\n<h4 class=\"wp-block-heading\"><a>L\u2019assureur MMA aurait empoch\u00e9 350 millions d\u2019euros sur le dos de ses clients<\/a><\/h4>\n\n\n\n<p><em>\u2013 Les \u00e9chos 2017 \u2013<\/em><\/p>\n\n\n\n<p>L\u2019assureur a oblig\u00e9 ses soci\u00e9taires \u00e0 souscrire \u00e0 l\u2019un de ses emprunts. Mais il n\u2019a pas rembours\u00e9 ses clients quand le cr\u00e9dit est arriv\u00e9 \u00e0 \u00e9ch\u00e9ance.<\/p>\n\n\n\n<p>Dans les ann\u00e9es 1970-1980, l\u2019assureur MMA a emprunt\u00e9 de l\u2019argent aupr\u00e8s de ses clients \u2013 sans leur dire explicitement \u2013 et ne les a jamais rembours\u00e9s. Ces derniers n\u2019ont pas pens\u00e9 \u00e0 r\u00e9clamer leur d\u00fb une fois le cr\u00e9dit arriv\u00e9 \u00e0 \u00e9ch\u00e9ance, croyant avoir contribu\u00e9 \u00e0 un fonds. MMA aurait ainsi empoch\u00e9 350 millions d\u2019euros, selon \u00ab Le Canard Encha\u00een\u00e9 \u00bb, qui r\u00e9v\u00e8le cette affaire en se fondant sur un document \u00ab strictement confidentiel \u00bb destin\u00e9 au comit\u00e9 ex\u00e9cutif de l\u2019entreprise dat\u00e9 de 2011.<\/p>\n\n\n\n<p>Renforcer sa solvabilit\u00e9<\/p>\n\n\n\n<p>A l\u2019\u00e9poque, l\u2019assureur avait besoin de renforcer sa solvabilit\u00e9. A cette fin, il emprunte de l\u2019argent entre 1972 et 1988. Les clients sont oblig\u00e9s d\u2019y souscrire et sont cens\u00e9s \u00eatre rembours\u00e9s au bout de 20 ans, avec un int\u00e9r\u00eat de 5 %.<\/p>\n\n\n\n<p>L\u2019argent est utilis\u00e9 pour un \u00ab fonds social compl\u00e9mentaire \u00bb abond\u00e9 par les cotisations des clients \u2013 quelques euros tous les trimestres. Les soci\u00e9taires payent sans vraiment comprendre de quoi il retourne. A tel point qu\u2019au bout de 20 ans, ils ne pensent pas \u00e0 r\u00e9clamer le remboursement. Selon le document, seuls 10 clients par an faisaient les d\u00e9marches.<\/p>\n\n\n\n<p>Pas d\u2019obligation d\u2019information<\/p>\n\n\n\n<p>D\u2019apr\u00e8s la note, le m\u00e9canisme ne pose pas de probl\u00e8mes juridiques. D\u2019une part, \u00ab MMA n\u2019\u00e9tait d\u00e9biteur d\u2019aucune obligation d\u2019information \u00e0 l\u2019\u00e9gard de ses soci\u00e9taires ayant souscrit au fonds social \u00bb. D\u2019autre part, le d\u00e9lai de prescription en mati\u00e8re de dette a \u00e9t\u00e9 ramen\u00e9 de 30 ans \u00e0 5 ans. Les fonds ne peuvent donc plus \u00eatre r\u00e9clam\u00e9s aujourd\u2019hui par les clients.<\/p>\n\n\n\n<p>L\u2019assureur aurait gagn\u00e9 gr\u00e2ce \u00e0 cette combine quelque 350 millions d\u2019euros \u2013 260 millions sur l\u2019emprunt et 90 millions d\u2019int\u00e9r\u00eats. Pour enregistrer ce pactole, l\u2019assureur aurait simplement fait passer \u00ab un produit exceptionnel \u00bb dans ses comptes de 2013. Cette affaire, m\u00eame si elle n\u2019est pas port\u00e9e devant les tribunaux, risque d\u2019ab\u00eemer l\u2019image de l\u2019assureur mutualiste. Contact\u00e9, MMA n\u2019a pas pu r\u00e9pondre \u00e0 temps \u00e0 nos questions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019assureur MMA aurait empoch\u00e9 350 millions d\u2019euros sur le dos de ses clients \u2013 Les \u00e9chos 2017 \u2013 L\u2019assureur a oblig\u00e9 ses soci\u00e9taires \u00e0 souscrire \u00e0 l\u2019un de ses emprunts. Mais il n\u2019a pas rembours\u00e9 ses clients quand le cr\u00e9dit est arriv\u00e9 \u00e0 \u00e9ch\u00e9ance. Dans les ann\u00e9es 1970-1980, l\u2019assureur MMA a emprunt\u00e9 de l\u2019argent aupr\u00e8s&hellip;&nbsp;<a href=\"https:\/\/ivangavriloff.com\/index.php\/2022\/08\/24\/piece-49\/\" class=\"\" rel=\"bookmark\">Lire la suite &raquo;<span class=\"screen-reader-text\">Pi\u00e8ce #49<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-255","post","type-post","status-publish","format-standard","hentry","category-non-classe"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pi\u00e8ce #49 - Ivan Gavriloff<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ivangavriloff.com\/index.php\/2022\/08\/24\/piece-49\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pi\u00e8ce #49 - Ivan Gavriloff\" \/>\n<meta property=\"og:description\" content=\"L\u2019assureur MMA aurait empoch\u00e9 350 millions d\u2019euros sur le dos de ses clients \u2013 Les \u00e9chos 2017 \u2013 L\u2019assureur a oblig\u00e9 ses soci\u00e9taires \u00e0 souscrire \u00e0 l\u2019un de ses emprunts. 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