Anular Claúsulas suelo: Especialistas en Compostela

¿qué puedo hacer si en mi préstamo o hipoteca tengo una cláusula suelo.?

En primer lugar puede reclamar su eliminación mediante un requerimiento por escrito al servicio de atención al cliente de su entidad bancaria al amparo del Real Decreto Ley 1/2017 de 20 de enero.

Lo más probables es que no le hagan caso alguno.

Esta reclamación es sumamente conveniente para luego acudir a la vía judicial y conseguir además de la nulidad de esa cláusula que le impongan las costas procesales a la entidad demandada.

En vía judicial conseguirá que que se declare la nulidad de su cláusula suelo, nulidad que no comporta la nulidad de los contratos de préstamo hipotecario, éstos subsistirán sin la cláusula, que desaparecerá y que dejará de aplicarse. Asimismo podrá reclamar al banco la restitución del importe indebidamente cobrado al aplicarla.

 Esto es

–       La devolución de lo cobrado de más por aplicación de dicha cláusula  junto con sus intereses legales desde cada abono indebido, es decir, la cantidad que resulte de la diferencia entre las cuotas de hipoteca efectivamente cobradas y las que procedan mediante su cálculo sin aplicación de la cláusula suelo, más los intereses legales sobre la diferencia en cada cuota a computar desde la fecha de cada cargo y todo ello desde la celebración del contrato».

Recordemos que el TJUE, entre otras en las sentencias de 30 de abril de 2014, Kásler y Káslerné Rábai, C-26/13 y de 20 de septiembre de 2017, Andriciuc y otros, C-186/16) ha dispuesto que según resulta del artículo 4, apartado 2, de la Directiva 93/13, que esta exigencia, recordada también en el artículo 5 de la citada Directiva, no puede reducirse sólo al carácter comprensible de éstas en un plano formal y gramatical, sino que, por el contrario, toda vez que el sistema de protección establecido por dicha Directiva se basa en la idea de que el consumidor se halla en situación de inferioridad respecto al profesional en lo referido, en particular, al nivel de información, esa exigencia de redacción clara y comprensible de las cláusulas contractuales, y por ende de transparencia, debe entenderse de manera extensiva. Por ello, la exigencia de que una cláusula contractual debe redactarse de manera clara y comprensible se ha de entender también como una obligación de que el contrato exponga de manera transparente el funcionamiento concreto del mecanismo al que se refiere la cláusula de que se trate, así como, en su caso, la relación entre ese mecanismo y el prescrito por otras cláusulas, de manera que el consumidor de que se trate esté en condiciones de valorar, basándose en criterios precisos e inteligibles, las consecuencias económicas que se deriven para él (sentencias de 30 de abril de 2014, Kásler y Káslerné Rábai, C-26/13, EU:C:2014:282, apartado 75, de 23 de abril de 2015, Van Hove, C-96/14, EU:C:2015:262, apartado 50 y de 20 de septiembre de 2017, Andriciuc y otros, C-186/16, apartado 45).

El Tribunal Supremo tiene declarado en reiteradas sentencias la nulidad de pleno derecho de las cláusulas abusivas es insubsanable. SENTENCIA del Tribunal Supremo (Sala 1ª) de 16/10/2017

La nulidad de pleno derecho de las cláusulas abusivas es insubsanable y no permite la convalidación del contrato.

La anterior afirmación, que ha vuelto a recordar el Tribunal Supremo en una reciente sentencia, es muy IMPORTANTE que la tengamos en cuenta en aquellos procedimientos donde se haya pretendido con posterioridad convalidar los contratos con documentos novatorios posteriores, supuestamente pactados por ambas partes.

Entre estos documentos novatorios, por EJEMPLO, se encontrarían los documentos firmados por los Bancos y los clientes donde se rebajaba o suprimía la cláusula suelo de la hipoteca y que algunas Audiencias Provinciales están considerando eficaces y válidos.

Estos Tribunales vienen entendiendo que al haber negociado los clientes (prestatarios) una nueva cláusula suelo, han subsanado el vicio inicial convirtiendo de esta manera la cláusula en válida.

Pues bien, la referida sentencia deja claro que la nulidad de pleno derecho de las cláusulas abusivas no puede ser subsanada con otro documento posterior, y por tanto, este segundo documento también está viciado de nulidad (“lo que es nulo ningún efecto produce“).

La nulidad de una cláusula suelo por falta de transparencia es una nulidad absoluta que no puede ser objeto de confirmación o convalidación.

Por su relevancia recogemos lo fundamental de esta sentencia:

“… el control de abusividad de la cláusula no negociada en un contrato celebrado con un consumidor, en el que se inserta el control de transparencia, lleva consigo la nulidad de la cláusula controvertida, la pervivencia del contrato sin esa cláusula y la restitución de lo que el predisponente haya percibido como consecuencia de la aplicación de la cláusula abusiva,…

Se trata de una nulidad de pleno derecho, que impide que el consumidor pueda quedar vinculado por la cláusula abusiva (artículo 6.1 de la Directiva 93/13). No es posible otorgar al consumidor una protección menor que la que otorga la institución de la nulidad de pleno derecho en otros campos del ordenamiento jurídico pues, de otorgar una protección inferior, se infringiría el principio de equivalencia del Derecho de la Unión Europea.

Por tanto, la nulidad de pleno derecho de las cláusulas abusivas abusivas por falta de transparencia referida a una cláusula suelo no puede ser convalidada por negociaciones posteriores cuando lo que han intentado los clientes ha sido firmar ese documento con el único fin de pagar menos por la hipoteca y aliviar su economía.

 La cláusula suelo cuando el Notario informa de su existencia

¿Es válida o no la cláusula suelo cuando el Notario el día de la firma informa de su existencia?

Según el Tribunal Supremo en sentencia de 24/1/2018:

.-  En el presente caso, al tiempo de firmar el contrato de hipoteca, el Notario que autorizaba la escritura se cercioró de que en ese momento se informaba al consumidor de la existencia de un limite por debajo a la variabilidad del interés (cláusula suelo). Este documento contiene en una sola página todas las condiciones financieras del préstamo, de forma esquemática y sencilla.

De este modo se cumplen las exigencias de transparencia en el momento de la celebración del contrato, y además el Notario deja constancia que advirtió a la parte prestataria (consumidor) de la existencia de la cláusula suelo.

El problema no radica en la información prestada al tiempo de la firma de la hipotecasino de la ausencia de la reseñada información pre-contractual, muy relevante en este tipo de contratos en que la escritura de préstamo hipotecario se otorga por el prestatario al mismo tiempo en que se firma la escritura de compra del inmueble, cuyo pago es objeto de financiación.

De tal forma que, aunque en ese momento el consumidor pudiera ser consciente, merced a cómo se redactó la cláusula, en este caso el anexo firmado, de que el interés variable estaba afectado por una cláusula suelo, no tenía margen de maniobra para negociar otro tipo de financiación con otra entidad sin frustrar la compra concertada para ese dia.

Es por ello que la INFORMACIÓN PRECONTRACTUAL cumple una función tan importante.

Bastaba que se acreditara que la información contenida en el anexo firmado le había sido comunicada y explicada al consumidor con un mínimo tiempo de antelación al otorgamiento de la escritura para que hubiera decidido optar por esa concreta financiación con conocimiento del efecto que sobre el precio produce la cláusula suelo.

De tal forma que si se hubiera quedado acreditado el cumplimiento de la información precontractual, de lo que no deja constancia la sentencia de la Audiencia Provincial recurrida, no habría duda de la transparencia de la cláusula y por lo tanto no podría entrar a juzgarse sobre su carácter abusivo.

En consecuencia procede estimar la demanda del consumidor.

CONCLUSION:

Según la sentencia comentada, para que sea válida la cláusula suelo cuando el Notario informa de su existencia a la firma del préstamo hipotecario se requiere al Banco que acredite que cumplió con el deber de información precontractual.

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