{"id":347,"date":"2014-11-13T07:00:16","date_gmt":"2014-11-13T06:00:16","guid":{"rendered":"https:\/\/lexmiaabogados.com\/el-supremo-anula-ocho-clausulas-suelo-por-falta-de-transparencia\/"},"modified":"2014-11-13T07:00:16","modified_gmt":"2014-11-13T06:00:16","slug":"the-supreme-annuls-eight-ground-clauses-due-to-lack-of-transparency","status":"publish","type":"post","link":"https:\/\/lexmiaabogados.com\/en\/el-supremo-anula-ocho-clausulas-suelo-por-falta-de-transparencia\/","title":{"rendered":"The Supreme Court annuls eight floor clauses due to lack of transparency"},"content":{"rendered":"<p>The Civil Chamber of the Supreme Court has annulled eight clauses of Caja Segovia (today integrated into Bankia) because the entity failed to comply with the special\u00a0<a href=\"http:\/\/www.diariojuridico.com\/el-supremo-anula-las-clausulas-suelo-de-las-hipotecas-si-no-se-informo-al-cliente\/\" target=\"_blank\" rel=\"noopener noreferrer\">duty of transparency<\/a>\u00a0that he had regarding these clauses with the clients with whom he signed the mortgage loan contracts. This is the second ruling issued by the Supreme Court on<a href=\"http:\/\/es.lexdir.com\/guia\/la-clausula-suelo-aproximacion-y-estado-de-la-situacion-2266\/\" target=\"_blank\" rel=\"noopener noreferrer\">floor clauses<\/a>, after May 9, 2013\u00a0<a href=\"http:\/\/www.diariojuridico.com\/anulacion-de-la-clausula-suelo-principales-criterios-fijados-por-la-primera-sentencia-del-tribunal-supremo\/\" target=\"_blank\" rel=\"noopener noreferrer\">I will cancel them<\/a>\u00a0in contracts from BBVA, Cajamar and Novagalicia Banco.<br \/>\nIn this resolution, the high court outlines in more detail the bank&#039;s special duty of transparency and real understandability of the clause to clients and rejects the entity&#039;s allegation that the deeds were read by notaries and that the clients were warned of \u201cthe possibility of reading it\u201d. According to the magistrates, \u201cthis does not replace the entities&#039; duty of explanation and transparency to users.\u201d<br \/>\nThe ruling known today reaffirms, therefore, the doctrine already established then and &quot;definitely&quot; enshrines the control of &quot;real transparency that is part of the general control of abusiveness and that implies the necessary compliance by the predisposing party with some special duties at the time of configure these contracts that allow the consumer to truly understand the legal and economic consequences of the product or service offered. And this transparency control is not reduced to the need for the clauses to be simply clear from a grammatical point of view,\u201d says the Supreme Court.<br \/>\nThe ruling concludes that the Chamber is unable to examine the consequences of the declaration of nullity of the floor clause when declaring whether the amounts collected by the bank in application of said clause should be returned to the consumer, since this issue was rejected in the first instance and was not appealed by the injured party.<br \/>\nCurrently, the Supreme Court considers the floor clauses of mortgage loans to be lawful when there is transparency and clarity in the information provided and considers that in the case of annulled floor clauses, based on the general principle of legal certainty and the \u201ceconomic public interest &quot;, the nullity\u00a0<a href=\"http:\/\/www.diariojuridico.com\/anulacion-de-la-clausula-suelo-principales-criterios-fijados-por-la-primera-sentencia-del-tribunal-supremo\/\" target=\"_blank\" rel=\"noopener noreferrer\">should not entail the obligation of banks to return the amounts paid<\/a>\u00a0by those mortgaged based on said clauses, explains the lawyer specializing in banking law, Jos\u00e9 Mar\u00eda Peyra.<br \/>\nJust one week has passed since the general conclusions of the lawyer of the Court of Justice of the European Union were published, in which\u00a0<a href=\"http:\/\/www.diariojuridico.com\/el-abogado-del-tjue-dice-que-los-jueces-deben-anular-las-clausulas-abusivas-de-las-hipotecas\/\" target=\"_blank\" rel=\"noopener noreferrer\">suggests that judges annul clauses that they consider abusive<\/a>, instead of adapting them to the law, as is currently happening in Spain. The report refers to delay clauses applicable to mortgage foreclosures due to non-payment and it is not a binding resolution until a ruling is issued, but some experts point out that, if it goes ahead, this criterion could also affect other types of abusive banking clauses such as floor clauses, in which for the moment the amounts received are not returned despite being declared null.<br \/>\nFountain: <a href=\"http:\/\/www.diariojuridico.com\" target=\"_blank\" rel=\"noopener noreferrer\">www.diariojuridico.com<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>La Sala Civil del Tribunal Supremo ha anulado ocho cl\u00e1usulas de Caja Segovia (hoy integrada en Bankia) porque la entidad incumpli\u00f3 el especial\u00a0deber de transparencia\u00a0que ten\u00eda respecto a estas cl\u00e1usulas con los clientes con quienes firm\u00f3 los contratos de pr\u00e9stamo hipotecario. Se trata de la segunda sentencia dictada por el Supremo sobrecl\u00e1usulas suelo, despu\u00e9s que&hellip;<\/p>","protected":false},"author":1,"featured_media":348,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21,18,24],"tags":[],"class_list":["post-347","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-civil","category-hipotecario","category-mercantil","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>El Supremo anula ocho cl\u00e1usulas suelo por falta de transparencia - Lexmia Abogados<\/title>\n<meta name=\"description\" content=\"La Sala Civil del Tribunal Supremo ha anulado ocho cl\u00e1usulas de Caja Segovia (hoy integrada en Bankia) porque la entidad incumpli\u00f3 el especial\u00a0deber de\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lexmiaabogados.com\/en\/the-supreme-annuls-eight-ground-clauses-due-to-lack-of-transparency\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El Supremo anula ocho cl\u00e1usulas suelo por falta de transparencia - 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