{"id":1866,"date":"2016-02-01T13:19:40","date_gmt":"2016-02-01T13:19:40","guid":{"rendered":"https:\/\/nosquera10.com.mialias.net\/?p=1866"},"modified":"2016-02-01T13:22:47","modified_gmt":"2016-02-01T13:22:47","slug":"el-tribunal-supremo-anula-una-serie-de-clausulas-en-contratos-bancarios-con-consumidores-del-banco-popular-espanol-y-bbva-por-considerarlas-abusivas","status":"publish","type":"post","link":"https:\/\/nosquera10.com\/?p=1866","title":{"rendered":"El Tribunal Supremo anula las cl\u00e1usulas suelo en contratos bancarios del Banco Popular Espa\u00f1ol y BBVA"},"content":{"rendered":"<div class=\"vc_row wpb_row vc_row-fluid column-default\" data-offset=\"\"><div class=\"vc_column_wrapper clearfix\">\n\t<div class=\"vc_col-sm-12  wpb_column vc_column_container   list-none    text-align-none  text-rp-left \">\n\t\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n\t<div class=\"wpb_text_column wpb_content_element \">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>La Sentencia del Tribunal Supremo, Sala de lo Civil, con fecha 23 de Diciembre del 2015, declara la nulidad de una serie de cl\u00e1usulas de contratos bancarios concertados con consumidores del Banco Popular Espa\u00f1ol y BBVA, por considerarlas abusivas, entre las cuales se encuentran las cl\u00e1usulas suelo. <!--more--><br \/>\nLa Organizaci\u00f3n de Consumidores y Usuarios interpuso una demanda contra el Banco Popular Espa\u00f1ol y BBVA en la que solicitaba la nulidad de una serie de cl\u00e1usulas contenidas en los contratos bancarios celebrados por los consumidores con dichas entidades de cr\u00e9dito.<br \/>\nEl Tribunal Supremo declara la nulidad de las cl\u00e1usulas suelo por ser abusivas, al no reunir las exigencias de transparencia aplicables, de acuerdo con la doctrina de esta Sala (sentencia del 9 de Mayo de 2013 y sentencia del 25 de Marzo de 2015). Pues no se ha acreditado que la cl\u00e1usula fuera negociada individualmente, sino que fue impuesta por la entidad prestamista. Como establece esta Sala: <em>\u201c La transparencia garantiza que el cliente conozca la carga econ\u00f3mica que el contrato supone para \u00e9l y la prestaci\u00f3n que va a recibir de la otra parte y, adem\u00e1s, garantiza la adecuada elecci\u00f3n del consumidor en aquello cuya determinaci\u00f3n se conf\u00eda al mercado y la competencia, lo que supone que m\u00e1s all\u00e1 de la mera exigencia de claridad de los t\u00e9rminos de las cl\u00e1usula, se pretende asegurar que el consumidor tenga una posibilidad real de comparar las distintas ofertas y alternativas de contrataci\u00f3n del producto\u201d.<\/em><br \/>\nAsimismo, estas cl\u00e1usulas suelo quedan envueltas entre un c\u00famulo de estipulaciones, menciones y datos, lo que hace dificultar la compresi\u00f3n efectiva de la realidad, que no es otra que lo efectivamente contratado no era un contrato de pr\u00e9stamo a inter\u00e9s variable, sino un contrato a inter\u00e9s fijo \u00fanicamente variable al alza.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t\t<\/div> \n\t<\/div> \n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>La Sentencia del Tribunal Supremo, Sala de lo Civil, con fecha 23 de Diciembre del 2015, declara la nulidad de una serie de cl\u00e1usulas de contratos bancarios concertados con consumidores del Banco Popular Espa\u00f1ol y BBVA, por considerarlas abusivas, entre las cuales se encuentran las cl\u00e1usulas suelo.<\/p>\n","protected":false},"author":3,"featured_media":1867,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[74,10],"tags":[75,76],"class_list":["post-1866","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-juridico","category-mercantil","tag-bancario","tag-legal"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - 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