{"id":2523,"date":"2013-04-19T09:15:00","date_gmt":"2013-04-19T09:15:00","guid":{"rendered":"https:\/\/www.iuslab.com\/2013\/04\/19\/tienes-clausula-suelo-en-tu-hipoteca\/"},"modified":"2013-04-19T09:15:00","modified_gmt":"2013-04-19T09:15:00","slug":"tienes-clausula-suelo-en-tu-hipoteca","status":"publish","type":"post","link":"https:\/\/www.iuslab.com\/it\/2013\/04\/19\/tienes-clausula-suelo-en-tu-hipoteca\/","title":{"rendered":"\u00bfTienes &#8220;clausula suelo&#8221; en tu hipoteca?"},"content":{"rendered":"<p>El Tribunal Supremo<a href=\"http:\/\/www.poderjudicial.es\/cgpj\/es\/Poder_Judicial\/Tribunal_Supremo\/Noticias_Judiciales\/El_Pleno_de_la_Sala_Civil_del_Tribunal_Supremo_anula_las__clausulas_suelo__en_los_casos_de_falta_de_transparencia_al_consumidor\"> anunci\u00f3<\/a> el pasado 20 de marzo de 2013 una sentencia que anulaba &#8220;cl\u00e1usulas suelo&#8221; en varios contratos con garant\u00eda hipotecaria de diversas entidades. La sentencia no est\u00e1 disponible pero la noticia ha servicio para revitalizar la defensa de los derechos de los consumidores.<\/p>\n<p>Si tu contrato tiene una cl\u00e1usula de este tipo, tienes la posibilidad de reclamar al banco su supresi\u00f3n, as\u00ed como la devoluci\u00f3n del dinero pagado de m\u00e1s. Para ello, puedes seguir los siguientes pasos:<\/p>\n<p><strong>1. Presentar una reclamaci\u00f3n por escrito al director\/a de la sucursal donde tienes el cr\u00e9dito o pr\u00e9stamo.<\/strong><\/p>\n<p>Aqu\u00ed tienes un <a href=\"http:\/\/www.ausbanc.es\/PDF\/Documentos\/Documento_196.pdf\">modelo de carta<\/a> elaborado por Ausbanc.<\/p>\n<p><strong>2. Presentar una reclamaci\u00f3n por escrito ante el Servicio de Atenci\u00f3n al Cliente de la entidad financiera. <\/strong><\/p>\n<p>Todas las entidades finanancieras tiene la obligaci\u00f3n de tener este tipo de servicios y de contestar a las reclamaciones en el plazo de tres meses. Todo ello, en virtud de la <a href=\"https:\/\/www.boe.es\/diario_boe\/txt.php?id=BOE-A-2004-5290\">Orden ECO\/734\/2004, de 11 de marzo<\/a>.<\/p>\n<p>Para esta reclamaci\u00f3n, se puede utilizar el mismo borrador citado arriba o elaborar un escrito m\u00e1s completo a partir de la informaci\u00f3n disponible sobre estas cl\u00e1usulas o con la ayuda de un profesional del derecho. Aqu\u00ed tienes un<a href=\"http:\/\/afectadosclausulasuelo.org\/archivos\/InformeclausulasueloADICAE.pdf\"> informe elaborado por Adicae<\/a>, algo antiguo, pero que aporta buenos argumentos para la reclamaci\u00f3n.<\/p>\n<p>El escrito lo puedes presentar, qued\u00e1ndote con copia sellada, en la sucursal. Tambi\u00e9n puedes localizar el SAC de tu entidad <a href=\"http:\/\/app.bde.es\/sac\/app\/search?CFG=atencionCli.xml&amp;TipoFormato=XSL&amp;Paginate=OPENhttp:\/\/\">aqu\u00ed.\u00a0 <\/a><\/p>\n<p><strong>3. Presentar una reclamaci\u00f3n ante el Banco de Espa\u00f1a<\/strong><\/p>\n<p>Si la respuesta de la entidad no es satisfactoria, se puede acudir al Servicio de <a href=\"http:\/\/www.bde.es\/bde\/es\/secciones\/servicios\/Particulares_y_e\/Servicio_de_Recl\/\">Reclamaciones del Banco de Espa\u00f1a<\/a>. Toda la informaci\u00f3n sobre el cauce para reclamar la puedes encontrar en su web.<\/p>\n<p><strong>4. Reclamaci\u00f3n judicial.<\/strong><\/p>\n<p>Finalmente, siempre se puede acudir a la v\u00eda judicial. Cada vez son m\u00e1s frecuentes las sentencias que declaran nulas este tipo de cl\u00e1usulas. Puedes encontrar la mayor\u00eda de las sentencias sobre cl\u00e1usulas suelo y el &#8220;marcador&#8221; de las favorables y desfavorables en la <a href=\"http:\/\/asuapedefin.com\/sentencias-listados\/sentencias-suelo\/\">web de ASUADEPIN<\/a>.<\/p>\n<p style=\"text-align: center;\"><a href=\"http:\/\/www.iuslab.com\/contacto\/\"><strong>Rem\u00edtenos tu consulta sin compromiso. Podemos orientarte en tu reclamaci\u00f3n. <\/strong><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<!--more--><\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Tribunal Supremo anunci\u00f3 el pasado 20 de marzo de 2013 una sentencia que anulaba &#8220;cl\u00e1usulas suelo&#8221; en varios contratos con garant\u00eda hipotecaria de diversas entidades. La sentencia no est\u00e1 disponible pero la noticia ha servicio para revitalizar la defensa de los derechos de los consumidores. Si tu contrato tiene una cl\u00e1usula de este tipo, [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[190],"tags":[153,169,191],"class_list":["post-2523","post","type-post","status-publish","format-standard","hentry","category-herramientas-2","tag-clausula-suelo-2","tag-consumidores-2","tag-hipotecas-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfTienes &quot;clausula suelo&quot; en tu hipoteca? - iusLab<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.iuslab.com\/it\/2013\/04\/19\/tienes-clausula-suelo-en-tu-hipoteca\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfTienes &quot;clausula suelo&quot; en tu hipoteca? - iusLab\" \/>\n<meta property=\"og:description\" content=\"El Tribunal Supremo anunci\u00f3 el pasado 20 de marzo de 2013 una sentencia que anulaba &#8220;cl\u00e1usulas suelo&#8221; en varios contratos con garant\u00eda hipotecaria de diversas entidades. 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