{"id":4678,"date":"2024-06-03T00:00:00","date_gmt":"2024-06-03T00:00:00","guid":{"rendered":"https:\/\/www.contem.es\/hipotecas-reclamacion-de-gastos-abusivos\/"},"modified":"2024-06-03T00:00:00","modified_gmt":"2024-06-03T00:00:00","slug":"hipotecas-reclamacion-de-gastos-abusivos","status":"publish","type":"post","link":"https:\/\/www.contem.es\/es\/hipotecas-reclamacion-de-gastos-abusivos\/","title":{"rendered":"Hipotecas. Reclamaci\u00f3n de gastos abusivos"},"content":{"rendered":"<p>El Tribunal de Justicia de la Uni\u00f3n Europea (TJUE) ha resuelto una cuesti\u00f3n prejudicial que se la hab\u00eda planteado sobre la interpretaci\u00f3n la Directiva europea 93\/13, sobre\u00a0<b>cl\u00e1usulas abusivas<\/b>\u00a0en los contratos celebrados con consumidores (arts. 6.1 y 7.1).<\/p>\n<p>El\u00a0<b>plazo de prescripci\u00f3n<\/b>\u00a0de una acci\u00f3n de restituci\u00f3n de gastos que el consumidor ha abonado, al celebrar un contrato con un profesional, en virtud de una cl\u00e1usula cuyo car\u00e1cter abusivo se ha declarado por resoluci\u00f3n judicial firme dictada con posterioridad al pago de dichos gastos, no puede comenzar hasta que el consumidor tenga o pueda tener\u00a0razonablemente <b>conocimiento del car\u00e1cter abusivo<\/b>\u00a0de dicha cl\u00e1usula.<\/p>\n<p>Por lo tanto, el Tribunal se\u00f1ala que\u00a0<b>no puede empezar<\/b>:<\/p>\n<p>&#8211; en el\u00a0<b>momento del pago<\/b>, pues se har\u00eda excesivamente dif\u00edcil el ejercicio de los derechos conferidos a los consumidores por la Directiva;<\/p>\n<p>&#8211; en la fecha en la que el tribunal supremo nacional dict\u00f3 una\u00a0<b>sentencia anterior<\/b>, en otro asunto, en la que declar\u00f3 abusiva una cl\u00e1usula tipo que se corresponde con esa cl\u00e1usula de ese contrato. En este caso,\u00a0<b>no cabe presumir<\/b>\u00a0que el consumidor pueda razonablemente tener conocimiento de que una cl\u00e1usula contenida en su contrato tiene un alcance equivalente al de una cl\u00e1usula tipo que el tribunal supremo nacional ha declarado abusiva. Y\u00a0<b>no cabe esperar<\/b>\u00a0que ese consumidor, a quien la Directiva pretende proteger, dada su situaci\u00f3n de inferioridad respecto al profesional, lleve a cabo actividades propias de una investigaci\u00f3n jur\u00eddica.<\/p>\n<p>Si<b>\u00a0puede comenzar<\/b>\u00a0en la fecha en que adquiere firmeza la resoluci\u00f3n que declara abusiva una cl\u00e1usula contractual y la anula, ya que el consumidor tiene la posibilidad de conocer sus derechos antes de que dicho plazo empiece a correr o expire.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Tribunal de Justicia de la Uni&oacute;n Europea (TJUE) ha resuelto una cuesti&oacute;n prejudicial que se la hab&iacute;a planteado sobre la interpretaci&oacute;n la Directiva europea 93\/13, sobre&nbsp;cl&aacute;usulas abusivas&nbsp;en los contratos celebrados con consumidores (arts. 6.1 y 7.1). El&nbsp;plazo de prescripci&oacute;n&nbsp;de una acci&oacute;n de restituci&oacute;n de gastos que el consumidor ha abonado, al celebrar un contrato [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":4679,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[90,92],"tags":[],"class_list":["post-4678","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-civil","category-immobiliari"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hipotecas. 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