{"id":1580,"date":"2016-08-01T13:37:59","date_gmt":"2016-08-01T11:37:59","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/novetats-sobre-la-reclamacio-per-clausules-sol-des-de-quina-data-han-de-retornar-les-entitats-bancaries-els-interesos-cobrats-en-exces-per-aplicacio-de-la-clausula-sol-que-shagi-declarat\/"},"modified":"2016-08-01T13:37:59","modified_gmt":"2016-08-01T11:37:59","slug":"novetats-sobre-la-reclamacio-per-clausules-sol-des-de-quina-data-han-de-retornar-les-entitats-bancaries-els-interesos-cobrats-en-exces-per-aplicacio-de-la-clausula-sol-que-shagi-declarat","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/es\/novetats-sobre-la-reclamacio-per-clausules-sol-des-de-quina-data-han-de-retornar-les-entitats-bancaries-els-interesos-cobrats-en-exces-per-aplicacio-de-la-clausula-sol-que-shagi-declarat\/","title":{"rendered":"NOVETATS SOBRE LA RECLAMACI\u00d3 PER CL\u00c0USULES SOL. \u00bf DES DE QUINA DATA HAN DE RETORNAR LES ENTITATS BANC\u00c0RIES ELS INTERESOS COBRATS EN EXC\u00c9S PER APLICACI\u00d3 DE LA CL\u00c0USULA SOL QUE S\u00b4HAGI DECLARAT NUL.LA PELS TRIBUNALS ?"},"content":{"rendered":"<p><strong>\u00a0<\/strong><\/p>\n<p>Darrerament varem informar sobre la possibilitat de reclamar per cl\u00e0usules sol en pr\u00e9stecs hipotecaris (inter\u00e8s m\u00ednim fix).<\/p>\n<p><strong>S\u00f3n innombrables els tribunals que estant declarant nul\u00b7les per considerar-les abusives aquestes cl\u00e0usules (b\u00e0sicament en casos de consumidors finals) i estan condemnant a les entitats banc\u00e0ries a retornar els interessos cobrats en exc\u00e9s.<\/strong><\/p>\n<p><strong>Recordem que el debat que hi ha obert, \u00e9s sobre si els interessos cobrats en exc\u00e9s per aplicaci\u00f3 del inter\u00e8s m\u00ednim acordat i declarat nul, els ha de retornar l\u00b4entitat banc\u00e0ria des del 9-5-2013 o des de la data de contractaci\u00f3 del pr\u00e9stec hipotecari. <\/strong><\/p>\n<p>La q\u00fcesti\u00f3 era determinar quina postura seguiria el tribunal superior de Just\u00edcia de la Uni\u00f3 Europea en els procediments que est\u00e0 tramitant, \u00e9s a dir, si limitaria l\u2019acci\u00f3 de reclamaci\u00f3 dels interessos excessius a partir de la publicaci\u00f3 de la famosa sent\u00e8ncia del Tribunal Suprem Espanyol data 09 de maig del 2013 o be si acordaria el retorn dels interessos cobrats de forma excessiva des de la data de contractaci\u00f3 del pr\u00e9stec hipotecari si era anterior.<\/p>\n<p>De moment seguim sense tenir pronunciament o resoluci\u00f3 de l\u00b4Alt Tribunal. Si b\u00e9, a pesar de que l\u00b4informe de la Comissi\u00f3 Europea era favorable a obligar el retorn dels interessos cobrats en exc\u00e9s des de la data de contractaci\u00f3 del pr\u00e9stec, ara s\u00b4ha sabut que l\u2019advocat general del Tribunal de just\u00edcia de la Uni\u00f3 Europa opina que cal obligar al retorn dels interessos cobrats de forma excessiva nom\u00e9s des del dia 09 de maig del 2013 i no des de la data de contractaci\u00f3 del pr\u00e9stec. <strong>No obstant el senyalat, l\u00b4Alt Tribunal encara no s\u00b4ha pronunciat i per tant encara falta veure quin ser\u00e0 finalment el contingut de la resoluci\u00f3 que te pendent de dictar i que es preveu per final d\u00b4any.<\/strong><\/p>\n<p><a href=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2015\/02\/juridica7_31243235.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-704\" src=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2015\/02\/juridica7_31243235.jpg\" alt=\"juridica7\" width=\"658\" height=\"325\" srcset=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2015\/02\/juridica7_31243235.jpg 658w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2015\/02\/juridica7_31243235-300x148.jpg 300w\" sizes=\"(max-width: 658px) 100vw, 658px\" \/><\/a><\/p>\n<h3><em><span style=\"color: #ff6600;\">Som advocats. Consulteu-nos sense comprom\u00eds trucant al 972 426 004 o per coreu electr\u00f2nic adre\u00e7at a juridic@rm-assessors.cat.<\/span> <\/em><\/h3>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0 Darrerament varem informar sobre la possibilitat de reclamar per cl\u00e0usules sol en pr\u00e9stecs hipotecaris (inter\u00e8s m\u00ednim fix). S\u00f3n innombrables els tribunals que estant declarant nul\u00b7les per considerar-les abusives aquestes cl\u00e0usules (b\u00e0sicament en casos de consumidors finals) i estan condemnant a les entitats banc\u00e0ries a retornar els interessos cobrats en exc\u00e9s. Recordem que el debat [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":658,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[41,17],"tags":[447,448,449],"class_list":["post-1580","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-destacats","category-juridica","tag-devoilucio-interessos-hipoteca","tag-interessos-clasula-sol","tag-reclamacio-clausula-sol"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>NOVETATS SOBRE LA RECLAMACI\u00d3 PER CL\u00c0USULES SOL. \u00bf DES DE QUINA DATA HAN DE RETORNAR LES ENTITATS BANC\u00c0RIES ELS INTERESOS COBRATS EN EXC\u00c9S PER APLICACI\u00d3 DE LA CL\u00c0USULA SOL QUE S\u00b4HAGI DECLARAT NUL.LA PELS TRIBUNALS ? | RM Assessors<\/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.rm-assessors.cat\/es\/novetats-sobre-la-reclamacio-per-clausules-sol-des-de-quina-data-han-de-retornar-les-entitats-bancaries-els-interesos-cobrats-en-exces-per-aplicacio-de-la-clausula-sol-que-shagi-declarat\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NOVETATS SOBRE LA RECLAMACI\u00d3 PER CL\u00c0USULES SOL. \u00bf DES DE QUINA DATA HAN DE RETORNAR LES ENTITATS BANC\u00c0RIES ELS INTERESOS COBRATS EN EXC\u00c9S PER APLICACI\u00d3 DE LA CL\u00c0USULA SOL QUE S\u00b4HAGI DECLARAT NUL.LA PELS TRIBUNALS ? | RM Assessors\" \/>\n<meta property=\"og:description\" content=\"\u00a0 Darrerament varem informar sobre la possibilitat de reclamar per cl\u00e0usules sol en pr\u00e9stecs hipotecaris (inter\u00e8s m\u00ednim fix). S\u00f3n innombrables els tribunals que estant declarant nul\u00b7les per considerar-les abusives aquestes cl\u00e0usules (b\u00e0sicament en casos de consumidors finals) i estan condemnant a les entitats banc\u00e0ries a retornar els interessos cobrats en exc\u00e9s. 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