{"id":51766,"date":"2020-05-13T14:32:30","date_gmt":"2020-05-13T12:32:30","guid":{"rendered":"https:\/\/www.asufin.com\/?p=51766"},"modified":"2022-06-27T05:41:03","modified_gmt":"2022-06-27T05:41:03","slug":"irph-el-jutge-que-va-arribar-al-tjue-plantejara-una-segona-questio-a-luxemburg-perque-encara-hi-ha-dubtes","status":"publish","type":"post","link":"https:\/\/staging.asufin.com\/staging\/ca\/irph-el-jutge-que-va-arribar-al-tjue-plantejara-una-segona-questio-a-luxemburg-perque-encara-hi-ha-dubtes\/","title":{"rendered":"IRPH: El jutge que va arribar al TJUE plantejar\u00e0 una segona q\u00fcesti\u00f3 a Luxemburg &#8220;perqu\u00e8 encara hi ha dubtes&#8221;"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\"><strong>El titular del jutjat 38 de Barcelona ent\u00e9n que la informaci\u00f3 donada per l&#8217;Alt Tribunal de la UE &#8220;no \u00e9s suficient&#8221;<\/strong><\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">A<strong>SUFIN considera que les hipoteques referenciades a aquest \u00edndex dif\u00edcilment superen el control de transpar\u00e8ncia i han de ser anul\u00b7lades<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>A l&#8217;espera del Tribunal Suprem, les audi\u00e8ncies provincials han dictat ja tres sent\u00e8ncies a favor de la banca, mentre que els jutges de primera inst\u00e0ncia estan de la banda del consumidor<\/strong>.<\/li><\/ul>\n\n\n\n<p><strong>Dimarts, 12 de maig de 2020.<\/strong> El magistrat del jutjat d&#8217;instrucci\u00f3 n\u00famero 38 de Barcelona, Francisco Gonz\u00e1lez de Audicana, vol repreguntar a el Tribunal de Just\u00edcia de la UE (TJUE) sobre l&#8217;IRPH perqu\u00e8 ent\u00e9n que <strong>&#8220;la informaci\u00f3 ofertada no \u00e9s suficient&#8221;<\/strong> i &#8220;es segueixen generant dubtes referent a la interpretaci\u00f3 de l&#8217;abast del control de transpar\u00e8ncia i de les conseq\u00fc\u00e8ncies&#8221; en cas de &#8220;resultar insuficient la informaci\u00f3 facilitada al consumidor&#8221;.<\/p>\n\n\n\n<p>Aquest jutge va ser l&#8217;encarregat de formular a Luxemburg la q\u00fcesti\u00f3 prejudicial sobre l&#8217;IRPH (assumpte C-125\/18) que va permetre reobrir les milers de causes amb demandes d&#8217;hipoteques que suportaven sobrecostos de fins a 25.000 euros de mitjana respecte a les subscrites a l\u2019Eur\u00edbor . Ara considera que la sent\u00e8ncia de<a href=\"https:\/\/staging.asufin.com\/staging\/irph-el-tjue-permite-a-los-tribunales-espanoles-determinar-la-falta-de-transparencia-del-irph\/\" target=\"_blank\" rel=\"noreferrer noopener\"> l&#8217;Alt Tribunal<\/a>, dictada el passat 3 de mar\u00e7, <strong>no acaba d&#8217;aclarir els dubtes<\/strong>, sobretot despr\u00e9s de les <strong>tres sent\u00e8ncies negatives<\/strong> de l\u2019Audi\u00e8ncia Provincial dictades fins al moment (dues de la AP5 de Sevilla, del 23 i el 30 d&#8217;abril i una de la AP15 de Barcelona, del 24 d&#8217;abril) enfront de les <a href=\"https:\/\/staging.asufin.com\/staging\/las-primeras-sentencias-tras-el-fallo-del-tjue-apuestan-por-euribor-y-anulan-irph-cajas-y-entidades\/\" target=\"_blank\" rel=\"noreferrer noopener\">10 dictades per tribunals de primera inst\u00e0ncia<\/a> que anul\u00b7len tant l&#8217;IRPH Caixes com l\u2019Entitats.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/i0.wp.com\/asufin.com\/wp-content\/uploads\/2020\/05\/200512_IRPH_MAPA_SENTENCIAS_POST_TJUE_WEB_CAT.jpg?ssl=1\" target=\"_blank\" rel=\"noopener noreferrer\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1200\" height=\"629\" data-attachment-id=\"51769\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/ca\/irph-el-jutge-que-va-arribar-al-tjue-plantejara-una-segona-questio-a-luxemburg-perque-encara-hi-ha-dubtes\/200512_irph_mapa_sentencias_post_tjue_web_cat-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/05\/200512_IRPH_MAPA_SENTENCIAS_POST_TJUE_WEB_CAT.jpg?fit=1200%2C629&amp;ssl=1\" data-orig-size=\"1200,629\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"IRPH: El jutge que va arribar al TJUE plantejar\u00e0 una segona q\u00fcesti\u00f3 a Luxemburg \u00abperqu\u00e8 encara hi ha dubtes\u00bb\" data-image-description=\"&lt;p&gt;IRPH: El jutge que va arribar al TJUE plantejar\u00e0 una segona q\u00fcesti\u00f3 a Luxemburg \u00abperqu\u00e8 encara hi ha dubtes\u00bb&lt;\/p&gt;\n\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/05\/200512_IRPH_MAPA_SENTENCIAS_POST_TJUE_WEB_CAT.jpg?fit=800%2C420&amp;ssl=1\" src=\"https:\/\/i1.wp.com\/www.asufin.com\/wp-content\/uploads\/2020\/05\/200512_IRPH_MAPA_SENTENCIAS_POST_TJUE_WEB_CAT.jpg?fit=1024%2C537&amp;ssl=1\" alt=\"\" class=\"wp-image-51769\" title=\"\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/05\/200512_IRPH_MAPA_SENTENCIAS_POST_TJUE_WEB_CAT.jpg?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/05\/200512_IRPH_MAPA_SENTENCIAS_POST_TJUE_WEB_CAT.jpg?resize=300%2C157&amp;ssl=1 300w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/05\/200512_IRPH_MAPA_SENTENCIAS_POST_TJUE_WEB_CAT.jpg?resize=1024%2C537&amp;ssl=1 1024w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/05\/200512_IRPH_MAPA_SENTENCIAS_POST_TJUE_WEB_CAT.jpg?resize=768%2C403&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/figure>\n\n\n\n<p>D&#8217;acord amb aquestes sent\u00e8ncies i per l&#8217;experi\u00e8ncia acumulada en la defensa de milers d&#8217;afectats, ASUFIN considera que <strong>\u00e9s molt dif\u00edcil que la cl\u00e0usula de l&#8217;IRPH superi el control de transpar\u00e8ncia<\/strong> exigible i que consagra la Directiva 93\/13 sobre les cl\u00e0usules abusives en els contractes celebrats amb consumidors.<\/p>\n\n\n\n<p>Patricia Su\u00e1rez, presidenta d\u2019ASUFIN, <em>&#8220;\u00e9s indignant que les audi\u00e8ncies provincials estiguin reinterpretant la sent\u00e8ncia del TJUE per restringir l&#8217;abast del control de transpar\u00e8ncia i reobrir un debat que ja estava tancat. \u00c9s d&#8217;agrair la valentia que mostra el magistrat Gonz\u00e1lez de Audicana, tornant a preguntar a Europa, perqu\u00e8 les directives europees que protegeixen el consumidor financer no caiguin en paper mullat.&#8221;<\/em><\/p>\n\n\n\n<p>La cl\u00e0usula de l&#8217;IRPH estipula una cosa tan crucial com la retribuci\u00f3 del pr\u00e9stecs mitjan\u00e7ant interessos, raonen aquestes sent\u00e8ncies, i per tant exigeix que el consumidor l&#8217;entengui, m\u00e9s enll\u00e0 del &#8220;pla formal i gramatical&#8221;. El consumidor ha d&#8217;estar en condicions de comprendre el funcionament de la manera de c\u00e0lcul d&#8217;aquest tipus d&#8217;inter\u00e8s i de valorar <strong>les conseq\u00fc\u00e8ncies econ\u00f2miques, potencialment significatives, d\u2019aquesta cl\u00e0usula sobre les seves obligacions financeres.<\/strong><\/p>\n\n\n\n<p>\u00c9s m\u00e9s, en moltes d&#8217;aquestes primeres sent\u00e8ncies que tomben l&#8217;IRPH s&#8217;arriba a q\u00fcestionar obertament el c\u00e0lcul de l&#8217;IRPH, al referir-se a <strong>&#8220;la possibilitat que tenien les caixes o entitats financeres d&#8217;influir sobre aquest c\u00e0lcul&#8221;<\/strong> i de si s&#8217;informava al client de tot aix\u00f2. En concret, de la possibilitat que &#8220;si una entitat per haver incrementat un mes els tipus d&#8217;inter\u00e8s o comissions, <strong>perdia quota de mercat<\/strong>, no variava la seva representativitat en l&#8217;IRPH&#8221;.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/bit.ly\/3dDqe5M\" target=\"_blank\" rel=\"noreferrer noopener\">DESCARREGAR PROVID\u00c8NCIA &#8211; 11.05.20 &#8211; JPI 38 &#8211; BARCELONA &#8211; IRPH<\/a><\/strong><\/p>\n\n\n\n<p><strong><a href=\"https:\/\/staging.asufin.com\/staging\/buscador-de-sentencias\/\" target=\"_blank\" rel=\"noreferrer noopener\">>> Totes les sent\u00e8ncies IRPH estan en\u00a0ASUFIN<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>El titular del jutjat 38 de Barcelona ent\u00e9n que la informaci\u00f3 donada per l&#8217;Alt Tribunal de la UE &#8220;no \u00e9s suficient&#8221; ASUFIN considera que les hipoteques referenciades a aquest \u00edndex dif\u00edcilment superen el control de transpar\u00e8ncia i han de ser anul\u00b7lades A l&#8217;espera del Tribunal Suprem, les audi\u00e8ncies provincials han dictat ja tres sent\u00e8ncies a [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":30343,"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":[82,3279,6872,7313],"tags":[],"class_list":["post-51766","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-asufin-cat","category-asufin-destacat-cat","category-irph-cat","category-tjue-cat"],"acf":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2017\/09\/TJUE-HIPOTECA-MULTIDIVISA-RUMANIA-ASUFIN-TRIBUNAL-SUPREMO-2-e1519123984115.png?fit=978%2C653&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/peayLa-dsW","jetpack_likes_enabled":false,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/51766","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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/comments?post=51766"}],"version-history":[{"count":8,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/51766\/revisions"}],"predecessor-version":[{"id":105077,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/51766\/revisions\/105077"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media\/30343"}],"wp:attachment":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media?parent=51766"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/categories?post=51766"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/tags?post=51766"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}