{"id":3634,"date":"2023-11-16T11:49:58","date_gmt":"2023-11-16T10:49:58","guid":{"rendered":"https:\/\/armenterasblanco.com\/interessos-abusius-santander-1998-credit-personal\/"},"modified":"2023-11-16T11:49:58","modified_gmt":"2023-11-16T10:49:58","slug":"interessos-abusius-santander-1998-credit-personal","status":"publish","type":"post","link":"https:\/\/armenterasblanco.com\/ca\/interessos-abusius-santander-1998-credit-personal\/","title":{"rendered":"Interessos de demora d&#8217;un cr\u00e8dit personal del Banco Santander Central Hispano de l&#8217;any 1998 declarats abusius"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">El nostre despatx d&#8217;advocats ha obtingut una important sent\u00e8ncia del Jutjat de Primera Inst\u00e0ncia n\u00fam. 1 de Cerdanyola del Vall\u00e8s, per la qual es declaren abusius els interessos de demora que venia reclamant, BANCO SANTANDER  CENTRAL HISPANO S.A., per un pr\u00e9stec personal subscrit el 1998 de 2.404.738 pessetes (14.480,60 euros), ascendint els interessos de demora el 2017 a  26.498,80 euros.<\/span><\/p>\n<h2>Dades d&#8217;aquest cas<\/h2>\n<p><span style=\"font-weight: 400;\">Aquest client va arribar al nostre despatx d&#8217;<a href=\"https:\/\/armenterasblanco.com\/\">advocats<\/a> desesperat per tenir part de la pensi\u00f3 de jubilaci\u00f3 embargada, malgrat ja haver retornat la totalitat de l&#8217;import del pr\u00e9stec i els interessos remuneratoris. Estudiat el cas,  vam decidir que l&#8217;\u00fanica opci\u00f3 que ten\u00edem, en no estar dins de termini per realitzar cap recurs,  era sol\u00b7licitar al Jutjat que declar\u00e9s la nul\u00b7litat de ple dret de la cl\u00e0usula dels interessos de demora, per ser abusiva i contr\u00e0ria a la Directiva 13\/03 en mat\u00e8ria de defensa del consumidor, mitjan\u00e7ant un escrit de nul\u00b7litat d&#8217;actuacions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Vam basar les nostres al\u00b7legacions  en  la jurisprud\u00e8ncia del Tribunal Superior de Just\u00edcia de les Comunitats Europees (26-10-2006, 4-06-2009, 6-10-2009, 9-11-2010), segons la qual una cl\u00e0usula abusiva   pot  i ha de ser declarada nul\u00b7la  pel jutge nacional en qualsevol moment,  sense  que existeixi cap termini de prescripci\u00f3 per ser una q\u00fcesti\u00f3 d&#8217;ordre p\u00fablic. Per tant el jutge d&#8217;inst\u00e0ncia estava obligat a verificar si els interessos de demora eren abusius encara que haguessin passat gaireb\u00e9 10 anys des que va comen\u00e7ar el procediment judicial.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En aquest cas, sent els interessos de demora previstos a la p\u00f2lissa de cr\u00e8dit del 29% anual, \u00e9s evident que resultaven abusius i en conseq\u00fc\u00e8ncia,  nuls de ple dret,  ja que la jurisprud\u00e8ncia ve considerant abusiu tot inter\u00e8s de demora que sigui superior a dos punts percentuals a l&#8217;inter\u00e8s remuneratori, que en aquest cas  era del 12,5% .<\/span><\/p>\n<p><span style=\"font-weight: 400;\">El Jutjat ha aixecat  els embargaments que pesaven sobre el nostre client, i  ha obligat BANCO SANTANDER CENTRAL HISPANO, S.A., a retornar al client quantitats que  ha rebut en concepte d&#8217;interessos de demora .<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Us deixem la sent\u00e8ncia, per si \u00e9s del vostre inter\u00e8s, i no dubteu a posar-vos en contacte amb nosaltres per a qualsevol dubte. <\/span><a href=\"https:\/\/web.archive.org\/web\/20230201214243\/https:\/\/armenterasblanco.com\/wp-content\/uploads\/2018\/06\/Auto-intereses-de-demora20062018.pdf\"><span style=\"font-weight: 400;\">Auto intereses de demora20062018<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>El nostre despatx d&#8217;advocats ha obtingut una important sent\u00e8ncia del Jutjat de Primera Inst\u00e0ncia n\u00fam. 1 de Cerdanyola del Vall\u00e8s, per la qual es declaren abusius els interessos de demora que venia reclamant, BANCO SANTANDER CENTRAL HISPANO S.A., per un pr\u00e9stec personal subscrit el 1998 de 2.404.738 pessetes (14.480,60 euros), ascendint els interessos de demora [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_joinchat":[],"footnotes":""},"categories":[24],"tags":[],"class_list":["post-3634","post","type-post","status-publish","format-standard","hentry","category-derecho-bancario"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Interessos de demora d&#039;un cr\u00e8dit personal del Banco Santander Central Hispano de l&#039;any 1998 declarats abusius - Armenteras Blanco Advocats<\/title>\n<meta name=\"description\" content=\"Sent\u00e8ncia contra Banco Santander: declarats abusius els interessos de demora d&#039;un cr\u00e8dit de 1998. 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