{"id":9028198,"date":"2020-02-05T10:00:48","date_gmt":"2020-02-05T09:00:48","guid":{"rendered":"http:\/\/gremicat.es\/?p=14157"},"modified":"2020-02-05T10:00:48","modified_gmt":"2020-02-05T09:00:48","slug":"reclamar-clausules-abusives","status":"publish","type":"post","link":"https:\/\/www.gremicat.es\/ca\/reclamar-clausules-abusives\/","title":{"rendered":"Els consumidors poden reclamar cl\u00e0usules abusives"},"content":{"rendered":"

El Tribunal Suprem ha em\u00e8s una important sent\u00e8ncia en la qual estableix que els consumidors poden reclamar les quantitats cobrades indegudament<\/span><\/span><\/p>\n

<\/div>\n

Es poden reclamar les quantitats cobrades indegudament per aplicaci\u00f3 de cl\u00e0usules abusives, encara que el contracte de pr\u00e9stec hagi ven\u00e7ut o extingit.<\/h2>\n

 <\/p>\n

Una de les al\u00b7legacions que fan els bancs davant les demandes que se’ls interposen per cl\u00e0usula sol \u00e9s que, si la hipoteca ja ha estat pagada i cancel\u00b7lada, no pot reclamar-se per alguna cosa que ja ha finalitzat. Davant aquestes al\u00b7legacions, al principi, va haver-hi postures dubitatives pels Jutjats sobre si es podia o no reclamar per una hipoteca cancel\u00b7lada.<\/p>\n

No obstant aix\u00f2, la postura majorit\u00e0ria \u00e9s que, encara que s’hagi interposat la demanda, una vegada cancel\u00b7lada la hipoteca, es pot condemnar al banc a retornar les quantitats cobrades indegudament<\/strong>, no sols per cl\u00e0usula sol, sin\u00f3 tamb\u00e9 per altres cl\u00e0usules abusives com a comissi\u00f3 d’obertura, interessos de demora o despeses d’hipoteca.<\/p>\n

Sent\u00e8ncia del Tribunal Suprem de 12 de desembre de 2019<\/h3>\n

Doncs b\u00e9, ara el Tribunal Suprem ha em\u00e8s una important sent\u00e8ncia de 12-12-2019 en la qual estableix que els consumidors poden reclamar les quantitats cobrades indegudament<\/strong> per aplicaci\u00f3 de cl\u00e0usules abusives, encara que el contracte de pr\u00e9stec hagi ven\u00e7ut o extingit.<\/p>\n

L’entitat financera argumentava que no es podia interposar cap acci\u00f3 per part dels clients, que el contracte ja havia finalitzat. Manifestant-se en qu\u00e8 la relaci\u00f3 que havia establert el banc amb client ja estava ven\u00e7uda i que per tant al no existir cap relaci\u00f3 contractual vigent entre les parts no cal exercitar la reclamaci\u00f3.<\/p>\n

El Tribunal Suprem ha decidit que aquesta consumaci\u00f3 o extinci\u00f3 del contracte no \u00e9s impediment per a l’exercici de l’acci\u00f3 de nul\u00b7litat d’una cl\u00e0usula abusiva<\/strong> i que no es pot privar al consumidor d’exercitar aquestes accions.<\/p>\n

Malgrat que un contracte estigui cancel\u00b7lat o finalitzat amb la nostra entitat no suposa impediment per a poder exercitar accions i reclamar el que se’ns deu: podem reclamar per cl\u00e0usules abusives malgrat haver pagat la hipoteca<\/strong>, sigui per venda de l’immoble hipotecat, per pagament del total degut o per altres causes, com podria ser una execuci\u00f3 hipotec\u00e0ria.<\/p>\n

Amb aquesta sent\u00e8ncia s’obre una via molt interessant per als consumidors que puguin estar afectats per cl\u00e0usules abusives en els seus pr\u00e9stecs hipotecaris ja pagats, i que els clients puguin iniciar noves demandes contra el seu banc sobre els contractes ven\u00e7uts.<\/p>\n

Important.<\/span><\/strong> Encara que venguessin la casa o la perdessin en un desnonament, si en revisar l’escriptura de pr\u00e9stec hipotecari comproven que hi ha alguna cl\u00e0usula abusiva, \u00e9s perfectament factible reclamar el que li van cobrar de m\u00e9s.<\/p>\n

A tenor del pronunciat pel Tribunal Suprem, no hi ha problema per a poder exercitar accions contra l’entitat<\/strong>, encara que els nostres contractes estiguin ven\u00e7uts ja sigui perqu\u00e8 han finalitzat o cancel\u00b7lat sempre que aquests s’hagin vist afectats per la incorporaci\u00f3 d’una cl\u00e0usula abusiva.<\/p>\n

Per tant, si es veu afectat per una cl\u00e0usula abusiva en el seu contracte vigent \u00e9s perfectament viable reclamar pel dany ocasionat. La reclamaci\u00f3 per contractes ven\u00e7uts \u00e9s possible<\/strong>. T\u00e9 ple dret per a poder exercir les oportunes accions i reclamar el que se li hagi cobrat de m\u00e9s. Si creu que podria haver estat afectat en un contracte ven\u00e7ut no dubti a contactar amb els nostres experts.<\/p>\n

Per a ampliar aquesta informaci\u00f3 consulti amb Assessoria jur\u00eddica.<\/a><\/p>\n

<\/div>\n","protected":false},"excerpt":{"rendered":"

El Tribunal Suprem ha em\u00e8s una important sent\u00e8ncia en la qual estableix que els consumidors poden reclamar les quantitats cobrades …<\/span><\/p>\n","protected":false},"author":1,"featured_media":9028199,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-9028198","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categoria"],"yoast_head":"\nEls consumidors poden reclamar cl\u00e0usules abusives - gremicat<\/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:\/\/www.gremicat.es\/ca\/reclamar-clausules-abusives\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Els consumidors poden reclamar cl\u00e0usules abusives - 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