{"id":58806,"date":"2021-01-29T15:54:05","date_gmt":"2021-01-29T14:54:05","guid":{"rendered":"https:\/\/www.asufin.com\/?p=58806"},"modified":"2021-03-13T21:46:28","modified_gmt":"2021-03-13T20:46:28","slug":"revolving-admesa-a-tramit-la-primera-collectiva-contra-el-santander","status":"publish","type":"post","link":"https:\/\/staging.asufin.com\/staging\/ca\/revolving-admesa-a-tramit-la-primera-collectiva-contra-el-santander\/","title":{"rendered":"REVOLVING: Admesa a tr\u00e0mit la primera col\u00b7lectiva contra el Santander"},"content":{"rendered":"\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

El jutjat n\u00famero 4 del Mercantil de Madrid estudiar\u00e0 la modalitat\u00a0revolving\u00a0dels pr\u00e9stecs que comercialitza Santander\u00a0Consumer\u00a0Finance<\/h4>\t\t\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
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

L’associaci\u00f3 demana que declari nul\u00b7la la cl\u00e0usula de modalitat de pagament per la seva abusivitat, la seva falta de transpar\u00e8ncia i proporcionalitat<\/h4>\t\t\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
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

El jutjat 4 del Mercantil de Madrid ha adm\u00e8s a tr\u00e0mit la demanda col\u00b7lectiva presentada per\u00a0ASUFIN\u00a0que demana anul\u00b7lar per abusiva les cl\u00e0usules\u00a0revolving\u00a0de totes les targetes que comercialitza Santander\u00a0Consumer\u00a0Finance\u00a0per falta de transpar\u00e8ncia<\/strong>. Un consumidor mitj\u00e0 no pot con\u00e8ixer de manera clara quin \u00e9s el preu ja que deliberadament s’oculta a trav\u00e9s del sistema d’amortitzaci\u00f3<\/strong> i c\u00e0lcul del tipus d’inter\u00e8s aplicable, raona l’escrit.

Aquesta demanda \u00e9s molt nova en mat\u00e8ria\u00a0revolving\u00a0perqu\u00e8 per primera vegada es posa el focus en la transpar\u00e8ncia. El Tribunal Suprem no s’ha pronunciat encara per la transpar\u00e8ncia d’aquestes targetes, encara que va esmentar aquesta possibilitat en la seva sent\u00e8ncia del passat 4 de mar\u00e7. \u201cla comercialitzaci\u00f3 d’aquests productes ha de respondre als principis de pr\u00e9stec responsable<\/strong>, realitzant una correcta avaluaci\u00f3 de la solv\u00e8ncia, informant-lo correctament i fins i tot facilitant-li algun tipus de simulaci\u00f3 de quotes i amortitzaci\u00f3. El mecanisme de les\u00a0revolving\u00a0facilita una espiral de sobreendeutament per al consumidor mitj\u00e0 que no interessa a ning\u00fa\u201d, assenyala Patricia Su\u00e1rez, presidenta d’ASUFIN.<\/strong>

La demanda col\u00b7lectiva, que ha comptat amb la direcci\u00f3 lletrada de Fernando\u00a0Gav\u00edn, afirma que el contracte no superaria el control de transpar\u00e8ncia<\/strong> perqu\u00e8 \u201cel consumidor no est\u00e0 en disposici\u00f3 de con\u00e8ixer totalment la naturalesa de les obligacions assumides, en concret, el m\u00e8tode de funcionament del\u00a0TAE\u00a0i el sistema d’amortitzaci\u00f3 del pagament\u201d.<\/p>\t\t\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

\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
Si tens una revolving, informa’t dels teus drets<\/a><\/h5>\t\t\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
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

En les cl\u00e0usules \u2013afegeix la demanda- ni tan sols s’estableix de manera clara i precisa el tipus d’inter\u00e8s aplicable, sin\u00f3 que es remet a un procediment complex de c\u00e0lcul que \u00f2bviament el client \u00e9s incapa\u00e7 de realitzar per si sol.<\/strong>

Tamb\u00e9 s’apunta al desequilibri<\/strong> que comporta la cl\u00e0usula\u00a0revolving\u00a0at\u00e8s que genera un perjudici al consumidor en privar-li de la possibilitat de comparar entre les diferents ofertes existents en el mercat<\/strong> i si es fes una idea fidel de l’impacte econ\u00f2mic que li suposar\u00e0 contractar el producte amb l’una o l’altra entitat financera, l’una o l’altra modalitat de pr\u00e9stec, d’entre els diversos oferts.

ASUFIN ha presentat demandes col\u00b7lectives contra les targetes revolving comercialitzades per les principals operadores del mercat que es troben en diferents moments processals.<\/p>\t\t\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":"

El jutjat n\u00famero 4 del Mercantil de Madrid estudiar\u00e0 la modalitat\u00a0revolving\u00a0dels pr\u00e9stecs que comercialitza Santander\u00a0Consumer\u00a0Finance L’associaci\u00f3 demana que declari nul\u00b7la la cl\u00e0usula de modalitat de pagament per la seva abusivitat, la seva falta de transpar\u00e8ncia i proporcionalitat El jutjat 4 del Mercantil de Madrid ha adm\u00e8s a tr\u00e0mit la demanda col\u00b7lectiva presentada per\u00a0ASUFIN\u00a0que demana anul\u00b7lar […]<\/p>\n","protected":false},"author":279,"featured_media":56135,"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":[6902],"tags":[],"class_list":["post-58806","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-targetes-revolving-cat"],"acf":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/38.jpg?fit=640%2C360&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/peayLa-fiu","jetpack_likes_enabled":false,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/58806","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=58806"}],"version-history":[{"count":7,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/58806\/revisions"}],"predecessor-version":[{"id":58813,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/58806\/revisions\/58813"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media\/56135"}],"wp:attachment":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media?parent=58806"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/categories?post=58806"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/tags?post=58806"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}