A few months before her death, my mother took out a loan from a bank. However, I had taken steps to have her placed under guardianship. She died before the judge made his decision. Can I still take legal action and request the cancellation of this loan?

Yes. When a person benefits from a guardianship, only his guardian can request the annulment of the act for insanity of mind (art. 414-2 C. civ. and 475 al. 1 C. civ.) for the protected person's account.

This action can also be brought by his heirs but only in certain cases, in particular when a request for guardianship has been submitted before the death, including if the action has not been completed (Civ. 1e, June 27, 2018, No. 17-20.428).

Note: this is only to allow the heirs to take legal action. In no case does this imply the assurance of obtaining the annulment of the disputed act.