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0031363 AI generated

Private bank loan contract constitutes an enforceable title even if cash delivery was not physically made to the borrower.

Case Number 0031363
Court / Authority
Jurisdiction Portugal (PT)
Decision Date
Outcome Allowed / Granted
Open official source Machine-readable Markdown (.md)

Legislator summary

AI generated

The Tribunal da Relação do Porto upheld the enforceability of a private bank loan document despite the borrower's claim that physical cash delivery never occurred. The court ruled that the mere existence of the signed contract for a consumption loan creates an executive title under Portuguese law, independent of the actual transfer of funds. Consequently, the creditor's right to demand payment was confirmed, establishing that the absence of physical cash delivery does not invalidate the document's legal status as an enforceable title.

Legislator headnote

Official

EXECUÇÃO TÍTULO EXECUTIVO DOCUMENTO PARTICULAR EMPRÉSTIMO BANCÁRIO

Keywords

AI generated
private loan document banking credit contract consumption loan title enforceable title execution cash delivery requirement executive title validity portuguese civil procedure

Cited Legislation

AI generated
CPC95 Art. 46
DL 359/91 Art. 2

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Full text

[Nº CONVENCIONAL] JTRP00030488

[Nº DO DOCUMENTO] RP200011160031363

[PRIVACIDADE] 1

[PROCESSO NO TRIBUNAL RECORRIDO] 89/00

[TEXTO INTEGRAL] N

[TRIBUNAL RECORRIDO] T CIV PORTO 3J

[URL] https://www.dgsi.pt/jtrp.nsf/56a6e7121657f91e80257cda00381fdf/B0BDF77437C563AB802569DF004D731A?OpenDocument

SUMÁRIO

Constitui título executivo o documento particular que titula um empréstimo bancário na modalidade de crédito ao consumo, apesar de a instituição de crédito não proceder à entrega física ao mutuário de determinada quantia em dinheiro, em simultâneo com a celebração do contrato.