{"id":2546,"date":"2020-01-30T23:30:51","date_gmt":"2020-01-30T22:30:51","guid":{"rendered":"https:\/\/www.pratsadvocats.com\/?p=2546"},"modified":"2020-01-30T23:30:51","modified_gmt":"2020-01-30T22:30:51","slug":"novetats-favorables-per-al-consumidor-a-lhora-de-reclamar-la-clausula-sol","status":"publish","type":"post","link":"https:\/\/www.pratsadvocats.com\/ca\/novetats-favorables-per-al-consumidor-a-lhora-de-reclamar-la-clausula-sol\/","title":{"rendered":"Novetats favorables per al consumidor a l&#8217;hora de reclamar la cl\u00e0usula s\u00f2l"},"content":{"rendered":"<p><strong>L&#8217;Advocat General del Tribunal de Just\u00edcia de la Uni\u00f3 Europea s&#8217;ha pronunciat avui dijous sobre la validesa dels pactes de novaci\u00f3\u00a0 a les cl\u00e0usules s\u00f2l determinant que nom\u00e9s seran v\u00e0lids si el banc demostra que va explicar d&#8217;una manera correcta i concisa a la persona que va contractar la hipoteca a quants diners renunciava.<\/strong><\/p>\n<p>Gr\u00e0cies a aquestes conclusions de l&#8217;advocat general del TJUE, un pas previ a la sent\u00e8ncia definitiva que es produir\u00e0 en uns mesos, continua oberta la possibilitat de litigar ja que els bancs hauran de demostrar, cas per cas, que l&#8217;acord a qu\u00e8 van arribar amb el client va ser negociat i no es va tractar d&#8217;un ab\u00fas de posici\u00f3. Els bancs hauran de demostrar que no van imposar als seus clients les cl\u00e0usules dels acords de novaci\u00f3.<\/p>\n<p>La cl\u00e0usula de ren\u00fancia a posteriors reclamacions ser\u00e0 v\u00e0lida sempre que compleixi amb la transpar\u00e8ncia que exigeix \u200b\u200bla Directiva 93\/13. \u00c9s a dir, els bancs hauran de demostrar que van informar als seus clients a quants diners estaven renunciant a l&#8217;signar l&#8217;acord.<\/p>\n<p>En el per\u00edode compr\u00e8s entre 2007 i 2008 moltes entitats financeres van col\u00b7locar a un gran nombre de clients contractants d&#8217;hipoteques les denominades cl\u00e0usules s\u00f2l sense advertir-los d&#8217;una manera clara i transparent sobre les seves conseq\u00fc\u00e8ncies econ\u00f2miques posteriors. Aquesta manca de transpar\u00e8ncia per part dels bancs va obrir la porta per a les reclamacions una vegada que els tribunals declaressin l&#8217;ab\u00fas de les mateixes.<\/p>\n<p>Al maig de 2013 el Tribunal Suprem va dictar una sent\u00e8ncia per la qual declarava la nul\u00b7litat de les cl\u00e0usules s\u00f2l, per\u00f2 no obligava a tornar les quantitats abonades de m\u00e9s. No obstant aix\u00f2, al desembre de 2016, el TJUE va corregir la doctrina de l&#8217;Suprem obligant als bancs a tornar els diners. A partir d&#8217;aquest moment, molts bancs van signar amb els seus clients els anomenats pactes de novaci\u00f3 que canviaven les condicions dels contractes, per\u00f2 obligaven a client a renunciar a emprendre accions legals, perdent amb aix\u00f2 els diners abonats de m\u00e9s en molts casos.<\/p>\n<p>S&#8217;estima, que en aquests moments hi ha m\u00e9s de mig mili\u00f3 de persones que encara no han presentat una reclamaci\u00f3 i que han perdut una mitjana aproximada de 20.000 \u20ac<\/p>\n<h3>Prats Advocats, especialistes en dret bancari. Truca&#8217;ns sense comprom\u00eds.<\/h3>\n","protected":false},"excerpt":{"rendered":"<p>L&#8217;Advocat General del Tribunal de Just\u00edcia de la Uni\u00f3 Europea s&#8217;ha pronunciat avui dijous sobre la validesa dels pactes de novaci\u00f3\u00a0 a les cl\u00e0usules s\u00f2l determinant que nom\u00e9s seran v\u00e0lids si el banc demostra que va explicar d&#8217;una manera correcta i concisa a la persona que va contractar la hipoteca a quants diners renunciava. Gr\u00e0cies [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2547,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[192,169],"tags":[],"class_list":["post-2546","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-destacades","category-dret-bancari"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Novetats favorables per al consumidor a l&#039;hora de reclamar la cl\u00e0usula s\u00f2l - Prats Advocats<\/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.pratsadvocats.com\/ca\/novetats-favorables-per-al-consumidor-a-lhora-de-reclamar-la-clausula-sol\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Novetats favorables per al consumidor a l&#039;hora de reclamar la cl\u00e0usula s\u00f2l - Prats Advocats\" \/>\n<meta property=\"og:description\" content=\"L&#8217;Advocat General del Tribunal de Just\u00edcia de la Uni\u00f3 Europea s&#8217;ha pronunciat avui dijous sobre la validesa dels pactes de novaci\u00f3\u00a0 a les cl\u00e0usules s\u00f2l determinant que nom\u00e9s seran v\u00e0lids si el banc demostra que va explicar d&#8217;una manera correcta i concisa a la persona que va contractar la hipoteca a quants diners renunciava. 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