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The year appears on the first page of your loan offer. The programme covers loans taken out between 2002 and 2015.
Already submitted a claim? Go to my online space
+80%
in euros for each franc repaid on a loan signed in October 2007: a Swiss franc was then worth €0.60, compared with €1.08 on 16 October 2026.
European Central Bank reference rates: October 2007 monthly average, rate of 16 October 2026.
On 9 July 2025, the Cour de cassation held that the exchange‑rate clause of these loans may be unfair, even for a borrower paid in Swiss francs. This is recent case law, liable to change.
Your claim is reviewed by ACTIVE AVOCATS, a firm of the COGEP AVOCATS group.
The principle of litigation funding: Hello Justice covers 100% of your lawyer’s fees and is paid out of the sums recovered, only if the case succeeds.
Checking your case
Free
Submitting your case is free and commits you to nothing.
Your lawyer’s fees
100% covered
Whatever the amount you borrowed, at first instance as on appeal.
Your out‑of‑pocket costs
€300
Paid when the summons is issued, if your case is accepted, to bring proceedings against your bank. If there is an appeal, only the €225 appeal duty is added.
If the case succeeds
14% incl. VAT
On the sums recovered and the saving obtained on your loan. If the case fails, you repay nothing to Hello Justice.
Backers, partners and press
Litigation funding
Without Hello Justice
Around€10,000
A specialist firm’s fees, paid by you. The procedural costs come on top, at their actual amount.
With Hello Justice
€300
The procedural costs, paid when the summons is issued, if your case is accepted. Hello Justice covers 100% of your lawyer’s fees.
Without Hello Justice
Around€5,000
A specialist firm’s fees, paid by you. Local counsel before the court of appeal and the €225 appeal duty come on top.
With Hello Justice
€225
Only the appeal duty remains yours to pay. Hello Justice covers 100% of your lawyer’s fees on appeal, local counsel included.
100%
Of your lawyer’s fees covered by Hello Justice, at first instance as on appeal, whatever the amount you borrowed.
Hello Justice has negotiated a preferential fixed fee with the programme’s partner firm, well below what a specialist firm usually charges. That is what allows it to cover 100% of your lawyer’s fees.
€10,000
The usual order of magnitude of a specialist firm’s fees at first instance, paid by you.
A specialist firm’s fees, first instance
Around €10,000, yours to pay
Procedural costs
Yours to pay, at their actual amount
Stamp duty, judicial officer, local counsel.
On appeal
Fees of around €5,000, yours to pay
Local counsel before the court of appeal and the €225 appeal duty come on top.
If you lose
Nothing you paid is returned to you
Your out‑of‑pocket costs: €300, if your case is accepted.
100%
Of your lawyer’s fees covered by Hello Justice, at first instance as on appeal, whatever the amount you borrowed.
Your lawyer’s fees, first instance
Covered at 100% by Hello Justice
Thanks to the preferential fixed fee Hello Justice negotiated with the programme’s partner firm.
Procedural costs
€300, when the summons is issued
If your case is accepted: stamp duty, judicial officer, local counsel.
On appeal
100% of fees covered
Local counsel before the court of appeal included. Only the €225 appeal duty remains yours to pay.
If you lose
You repay nothing to Hello Justice
The €300 paid when the summons was issued is not returned to you, nor is the appeal duty if there was an appeal.
If you win
14% incl. VAT of the sums recovered and the saving obtained
Taken from the sums paid by the bank, once the decision is final.
In both cases, as in any lawsuit, the court may order the losing party to pay the other side a procedural indemnity (article 700) and the costs of the proceedings. The fees shown without Hello Justice give an order of magnitude of what firms specialising in these cases charge: each lawyer sets their own fees freely.
Case law
Since 2021, the Court of Justice of the European Union and then the Cour de cassation have set rules for the exchange‑rate clause of Swiss franc loans. The rulings of 9 July 2025 are recent case law, liable to change.
2002-2015
the years in which the loans concerned were taken out: an estimated 50,000 eligible claims
Court of Justice of the European UnionC-609/19 and C-776/19 to C-782/19
Cour de cassation, First Civil Chamberno. 19-17.996
Cour de cassation, First Civil Chamberno. 22-17.030
Cour de cassation, First Civil Chamberno. 24-19.647
Cour de cassation, First Civil Chamberno. 24-18.018
Sources: Court of Justice of the European Union (EUR‑Lex), Cour de cassation (Légifrance). The rulings of 9 July 2025 are recent case law, liable to change. Each case is assessed on its own facts.
You submit your claim.
You sign the fee agreement.
The law firm reviews your claim.
Proceedings begin.
Case won or settled
The sums obtained are paid to you.
Case lost
Nothing is owed to Hello Justice.
Information talks
Each day offers four 45-minute talks: lawyers from ACTIVE AVOCATS, a firm of the COGEP AVOCATS group, present recent case law, and Hello Justice explains how the proceedings are funded. The lawyers also meet you one to one, for 15 minutes. The talks and one‑to‑one meetings are free, on registration.
Having your case checked is free, as are the eligibility test and the submission. If your case is accepted, you pay €300 incl. VAT when the summons is issued against your bank. This covers the court costs of the proceedings (stamp duty, judicial officer, local counsel). Hello Justice covers 100% of your lawyer’s fees, whatever the amount you borrowed. Only if the case succeeds, a success fee of 14% incl. VAT is due on the sums recovered and on the saving obtained on the outstanding capital. The sums awarded under article 700 and the costs go to the lawyer. If the case fails, you repay nothing to Hello Justice. If there is an appeal, Hello Justice also covers 100% of your lawyer’s fees, as well as local counsel before the court of appeal. Only the €225 appeal duty remains yours to pay.
That is the principle of litigation funding. Hello Justice covers 100% of your lawyer’s fees, whatever the amount you borrowed, and is paid out of the sums recovered, only if the case succeeds. If the case is lost, you repay nothing to Hello Justice, which bears that risk: this is why every claim is reviewed before it is accepted.
You repay nothing to Hello Justice: it bears your lawyer’s fees, and the success fee is only due if the case succeeds. The €300 incl. VAT of procedural costs is not returned to you, nor is the €225 appeal duty if there was an appeal. As in any lawsuit, the court may also order the losing party to pay the other side a procedural indemnity (article 700) and the costs of the proceedings.
Your documents are sent to ACTIVE AVOCATS, a firm of the COGEP AVOCATS group, and to Hello Justice, to review your claim and subject to professional secrecy. Nothing is sent to your bank during this review. If proceedings are brought, the lawyer discloses the relevant documents to the other side, as the rules of procedure require.
Your data and documents are hosted in the European Union, in Frankfurt, and your documents are kept in private storage. You enter your online space through a personal, single‑use link, with no password, and every team account is protected by two‑factor authentication. Communications with the site are encrypted.
Your online space holds everything about your claim. Each document you add is marked as received as soon as it is uploaded, and an email confirms it. The documents essential to handling your claim are kept apart from the additional documents, which are optional. If your loan never had an amendment, you simply declare it. You will also find your claim’s messages, the assistant and the frequently asked questions.
Hello Justice has built its own simulator. It recalculates each instalment of your loan at the official European Central Bank rates and at the interest rates set by your contract, then checks the result against the lines of your bank’s repayment schedule. The law firm relies on this calculation to quantify your claim.
French law requires every lawyer to enter into a written fee agreement with the client (Act of 31 December 1971, article 10). ACTIVE AVOCATS, a firm of the COGEP AVOCATS group, therefore sends it to you through DocuSign once your claim is submitted, and starts its review when you have signed it and your documents have been received. Signing does not commit you to anything if your claim is not accepted: the agreement provides (article 4) that the firm ends it when its review concludes that the claim is not eligible. You then owe nothing. You also have fourteen days to withdraw without giving a reason (articles L. 221-18 et seq. of the French Consumer Code).
The fee agreement is signed online by you, the lawyer and Hello Justice. You receive it through DocuSign before your claim is reviewed: if this review shows that the claim is not eligible, the lawyer ends the agreement and you owe nothing. You also have the right of withdrawal under articles L. 221-18 et seq. of the French Consumer Code. If the claim succeeds, the funds are paid to you once the decision is final, and the success fee is then taken from the lawyer’s CARPA account, the client‑money account supervised by the bar. If you take the claim away from the lawyer after the summons has been sent, the success fee remains due.
Mortgages denominated in or indexed to Swiss francs, taken out between 2002 and 2015 for a property located in France. The law firm checks the date on your loan offer. A loan that has been repaid or changed by an amendment can also be reviewed.
ACTIVE AVOCATS, a firm of the COGEP AVOCATS group, runs the case independently. Hello Justice funds the claim and plays no part in the firm’s strategy. The choice of your lawyer remains yours.
The exchange‑rate clause of your loan may be found unfair. You start by answering a few questions, and the documents can follow.
