{"id":104740,"date":"2022-06-22T08:00:00","date_gmt":"2022-06-22T08:00:00","guid":{"rendered":"https:\/\/www.asufin.com\/?p=104740"},"modified":"2022-06-24T12:33:47","modified_gmt":"2022-06-24T12:33:47","slug":"tarjeta-conseguimos-nulidad-revolving","status":"publish","type":"post","link":"https:\/\/staging.asufin.com\/staging\/tarjeta-conseguimos-nulidad-revolving\/","title":{"rendered":"\u00bfTienes una tarjeta y nunca dejas de pagar? En ASUFIN conseguimos la nulidad del contrato revolving"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"104740\" class=\"elementor elementor-104740\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-330502c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"330502c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a289307\" data-id=\"a289307\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-df2e769 elementor-widget elementor-widget-text-editor\" data-id=\"df2e769\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4>El Juzgado de Madrid declara la nulidad de la tarjeta revolving por contener un inter\u00e9s remuneratorio usurario del 28,14%.<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1654b4b elementor-widget elementor-widget-text-editor\" data-id=\"1654b4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Desde ASUFIN interpusimos una demanda contra Santander Consumer Finance en defensa de los intereses de un socio. En dicha demanda, solicit\u00e1bamos la nulidad del contrato de tarjeta revolving ,suscrito en mayo de 2016 entre las partes por<strong> contener una TAE usuraria de 28,14%.<\/strong> Adem\u00e1s, de que se condenase a la demandada a devolver al consumidor las cantidades cobradas de m\u00e1s.<\/p><p>Por su parte, la entidad demandada se opuso a la demanda. Sin embargo, el Juzgado de Primera Instancia n\u00famero 40 de Madrid declara la nulidad del contrato de <a href=\"https:\/\/staging.asufin.com\/staging\/reclama\/tarjetas\/\" target=\"_blank\" rel=\"noopener\">tarjeta revolving<\/a>\u00a0suscrito entre las partes por contener un inter\u00e9s remuneratorio usurario. Adem\u00e1s,<strong> condena a Santander Consumer Finance a devolver al demandante todas aquellas sumas que excedan del principal dispuesto.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82f6972 elementor-widget elementor-widget-text-editor\" data-id=\"82f6972\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><a href=\"https:\/\/staging.asufin.com\/staging\/mica-regulacion-criptoactivos\/\" target=\"_blank\" rel=\"noopener\">\u00bfQu\u00e9 es y c\u00f3mo me afecta la nueva regulaci\u00f3n MiCA sobre criptoactivos?<\/a><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad2d154 elementor-widget elementor-widget-text-editor\" data-id=\"ad2d154\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Este juzgado se\u00f1ala que ser\u00e1 nulo todo contrato de pr\u00e9stamo en que se estipule\u00a0<strong>un inter\u00e9s remuneratorio notablemente superior al normal del dinero<\/strong>\u00a0y manifiestamente desproporcionado con las circunstancias del caso.\u00a0<\/p><p>Teniendo en cuenta que el inter\u00e9s remuneratorio aplicado en el contrato de tarjeta revolving es del 28,14% y que el inter\u00e9s normal del dinero de las tarjetas revolving en el a\u00f1o 2016 seg\u00fan las estad\u00edsticas del <a href=\"https:\/\/www.bde.es\/bde\/es\/\" target=\"_blank\" rel=\"noopener\">Banco de Espa\u00f1a<\/a> era del 20,84%,\u00a0 <strong>ha de considerarse usurario por ser superior al inter\u00e9s normal del dinero\u00a0<\/strong>y desproporcionado a las circunstancias del caso y por lo tanto, ha de de considerarse nulo.<\/p><p>Y como consecuencia a la declaraci\u00f3n de nulidad del contrato de tarjeta revolving por contener un inter\u00e9s remuneratorio usurario, el Juzgado de Primera Instancia n\u00famero 40 de Madrid, <b>condena a <strong>Santander Consumer Finance <\/strong>a restituir a nuestro socio todas las cantidades abonadas que excedan del capital dispuesto, <\/b>m\u00e1s los intereses legales devengados y al pago de las costas procesales.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0516ba elementor-widget elementor-widget-text-editor\" data-id=\"a0516ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><a href=\"https:\/\/panel.asufin.com\/ver-sentencia\/14161\" target=\"_blank\" rel=\"noopener\">Descarga aqu\u00ed la sentencia<\/a><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dfc9ba3 elementor-widget elementor-widget-text-editor\" data-id=\"dfc9ba3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Producto:\u00a0<\/strong>Tarjetas revolving<\/p><p><strong>Juzgado:\u00a0<\/strong>Juzgado Primera Instancia 40, Madrid<\/p><p><strong>Direcci\u00f3n Letrada:<\/strong> Loleta Linares y Fernando Gav\u00edn<\/p><p><strong>Fecha:<\/strong> 13.06.2022<\/p><p><strong>Entidad:<\/strong> Santander Consumer Finance<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ff89c1 elementor-widget elementor-widget-video\" data-id=\"1ff89c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=JG80NtXwIgo&amp;t&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;play_on_mobile&quot;:&quot;yes&quot;,&quot;mute&quot;:&quot;yes&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;video_type&quot;:&quot;youtube&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>El Juzgado de Madrid declara la nulidad de la tarjeta revolving por contener un inter\u00e9s remuneratorio usurario del 28,14%.<\/p>\n","protected":false},"author":279,"featured_media":99926,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3366,17],"tags":[1114,220],"class_list":["post-104740","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tarjetas-revolving","category-sentencias","tag-noticias","tag-sentencias-2"],"acf":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/05\/revolving-Supremo-sentencia.jpeg?fit=1500%2C998&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/peayLa-rfm","jetpack_likes_enabled":false,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/104740","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/users\/279"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/comments?post=104740"}],"version-history":[{"count":23,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/104740\/revisions"}],"predecessor-version":[{"id":104763,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/104740\/revisions\/104763"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media\/99926"}],"wp:attachment":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media?parent=104740"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/categories?post=104740"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/tags?post=104740"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}